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Harrison Lilly Team

Owner/Operator | Harrison Lilly Emerald Coast | Harrison Lilly Realty | PLACE

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2504 W 21st St , Panama City, FL 32405
$225,000
Est. Payment: $1,243.09/mo
3 Bed
1 Bath
1260 Sqft
0.22 Acres
Status: Active | Days on site: 132
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LPTR - B7692
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Harrison Lilly Team
Owner/Operator

House Description

JUST REDUCED A MUST SEE Seller offering Owner Financing with 20% down FULLY RENOVATED PANAMA CITY HOME CLOSE TO EVERYTHING Step inside and prepare to be impressed by the quality and workmanship throughout this beautifully renovated 3 bedroom home. This was not a quick fix and flip. It was a complete renovation from the studs, giving buyers the comfort and modern feel of a newly built home. The home features all new electrical and plumbing, a brand new kitchen with new appliances, new flooring, fresh interior paint, and numerous thoughtful upgrades. The redesigned layout includes a spacious pantry and a separate laundry room for added convenience. Concrete pads on both sides of the home provide excellent space for a patio, boat, RV, or outdoor kitchen. The generously sized lot offers plenty of room to enjoy the outdoors with a huge backyard very private Centrally located near shopping, restaurants, schools, medical facilities, and everyday conveniences, this home is only approximately 12 minutes from the beach. This move in ready property is an excellent opportunity for a first time buyer, investor, or anyone looking for a beautifully updated home without the work and expense of renovating. Investors can also take advantage of its rental potential. Ask about the seller offered incentive. Schedule your private showing and come see the quality for yourself.

Highlights

Listed by Kerry J Jackson , 850-960-8646 LPT Realty LLC , 877-366-2213. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.22

Year Built

1959

County

Bay

Area

02 - Bay County - Central

Neighborhood

Hentz 1st Add Unit B

Listing ID

790479

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:1
  • ▪ Full Bathrooms:1

Exterior Features

Lot Dimensions:70x140
Principal Interest
$1,243
Taxes
$54

Home Price

$225,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$45,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$1,243.09

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,243.09 $54.00 $0.00 $1,297.09
Yearly $14,917.11 $648.00 $0.00 $15,565.11
Total $447,513.33 $19,440.00 $0.00 $466,953.33

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

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Market insight data is pulled from the same city as the listing being viewed (Panama City, FL).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Bay County Association of REALTORS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-10-07T08:07:44.000Z

© 2026 Bay County Association of REALTORS