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Harrison Lilly

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

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2805 W 21st St , Panama City, FL 32405
$309,000
Est. Payment: $1,567.19/mo
4 Bed
2 Bath
1730 Sqft
Status: active | Days on site: 66
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to 2805 W 21st Street, a charming Panama City property offering convenience, comfort, and an exceptional location close to everything the Gulf Coast has to offer. Situated on a spacious corner lot, this fully renovated home provides plenty of room to enjoy outdoor living while remaining just minutes from shopping, dining, schools, medical facilities, and major roadways. Inside, you'll find a functional layout designed for comfortable everyday living. Whether you're searching for a primary residence, vacation getaway, or investment opportunity, this property offers excellent potential and value in a well-established neighborhood. Solar panels have been added to lower energy costs. The corner lot setting provides added privacy and flexibility, with ample space for outdoor entertaining, gardening, recreational vehicles, or future improvements. A second driveway has been added for additional parking. Mature landscaping and established surroundings create a welcoming atmosphere that feels like home from the moment you arrive. Conveniently located near the heart of Panama City, residents enjoy easy access to a wide variety of recreational and entertainment options. Spend your days boating, fishing, kayaking, or paddleboarding on beautiful St. Andrews Bay. Explore the historic waterfront district of St. Andrews, known for its local shops, restaurants, marinas, and year-round community events. Outdoor enthusiasts will appreciate nearby parks, nature trails, golf courses, and waterfront recreation areas. Just a short drive away, you'll find the world-famous white sand beaches and emerald waters of Panama City Beach, along with Pier Park's shopping, dining, entertainment, and attractions. Whether you're enjoying waterfront dining, deep-sea fishing, or relaxing on the beach, this location places you close to the very best of Florida's Gulf Coast lifestyle. Don't miss this opportunity to own a well-located property in one of Panama City's most convenient areas. Schedule your private showing today and discover all the possibilities this home has to offer. There is a potential for additional properties within the same portfolio as a total of 4 SFM units.

Highlights

Listed by Candace Garber , 224-489-4435 TruDeals Realty Corp , 224-489-4435. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.25

Year Built

1960

County

Bay

Area

02 - Bay County - Central

Neighborhood

Hentz 1st Add Unit B

Listing ID

791361

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Electric Range
Air Cond:Central Air
Fireplaces:

Exterior Features

Lot Dimensions:90.0 ft x 123.0 ft
Sewer:Public Sewer
Principal Interest
$1,567
Taxes
$197

Home Price

$309,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$61,800
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:
$1,567.19

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,567.19 $196.99 $0.00 $1,764.18
Yearly $18,806.28 $2,363.85 $0.00 $21,170.13
Total $564,188.29 $70,915.50 $0.00 $635,103.79

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

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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: 2026-08-20T06:33:19.000Z

© 2026 Bay County Association of REALTORS