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Harrison Lilly

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

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505 Phillips Ct , Panama City, FL 32404
$260,000
Est. Payment: $1,318.67/mo
3 Bed
2 Bath
1394 Sqft
Status: active | Days on site: 213
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to this charming home in the heart of East Bay County, offering the perfect combination of comfort, convenience, and flexibility. Ideally located just minutes from Tyndall Air Force Base, shopping, dining, schools, and everyday amenities, you'll love having everything you need close to home. Situated on a large privacy-fenced corner lot this property offers plenty of outdoor space for children, pets, gardening, or creating your own backyard retreat--all with no HOA restrictions. Step inside to a warm and inviting open living area featuring a cozy wood-burning fireplace, perfect for relaxing evenings with family and friends. One of this home's standout features is its versatile floor plan. The third bedroom is currently being used as a home office, but thanks to its side hallway entrance, large archway connecting to the kitchen, and closet, it can easily serve as a bedroom, formal dining room, office, playroom, or flex space. Simply close the doors to both entrances, and you have a private third bedroom--giving you the flexibility to adapt the home to your lifestyle without sacrificing space. Whether you're a first-time homebuyer, military family, or simply looking for a home with room to grow, this property offers endless possibilities. Don't miss your opportunity to own this well-located, move-in-ready home with a flexible layout, spacious fenced yard, and no HOA. Schedule your private showing today!

Highlights

Listed by Terry L Nutter , 850-919-6887 Realty One Group Emerald Coast , 850-238-8338. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.16

Year Built

2002

County

Bay

Area

02 - Bay County - Central

Neighborhood

Hickory Manor

Listing ID

793613

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Electric Oven, Electric Range, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Main Level Primary, Tub Shower, Walk-In Pantry

Exterior Features

Lot:Cul-De-Sac,Paved
Lot Dimensions:55x140
Roof:Shingle
Others:
  • Additional:Patio
Sewer:Public Sewer
Principal Interest
$1,319
Taxes
$76

Home Price

$260,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$52,000
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:
$1,318.67

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,318.67 $76.08 $0.00 $1,394.75
Yearly $15,824.05 $912.97 $0.00 $16,737.02
Total $474,721.54 $27,389.10 $0.00 $502,110.64

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