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Harrison Lilly Team

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

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3431 Ten Acre Rd , Panama City, FL 32405
$339,900
Est. Payment: $1,877.90/mo
3 Bed
2 Bath
1440 Sqft
0.46 Acres
Status: Active | Days on site: 12
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Harrison Lilly Team
Owner/Operator

House Description

Don't let the square footage fool you--this property packs in a LOT. This beautifully updated 3-bedroom, 2-bath ranch sits on nearly half an acre and offers so much more than meets the eye. Inside, you'll find a thoughtfully updated interior that's warm, inviting and move-in ready. Outside is where this property really sets itself apart, with a 30x20 pole barn on a concrete slab with electric and water, a separate insulated workshop, generous outdoor living space and plenty of room to spread out. All of this while still being conveniently located in Panama City. If you've been looking for a home with character, land, storage and space for your projects, hobbies or toys--this one deserves a look. 30×20 pole barn on concrete with utilities plus separate insulated workshop. Ideally situated with a new park planned just across the street, adding even more appeal to this spacious .459-acre property. Listing agent is related to the sellers.

Highlights

Listed by Rachel Knetzer , 850-481-2823 EXP Realty LLC , 888-883-8509. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.46

Year Built

1950

County

Bay

Area

02 - Bay County - Central

Neighborhood

Highland City

Listing ID

796244

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Air Cond:Central Air
Fireplaces:

Exterior Features

Lot:Paved
Lot Dimensions:100x200
Roof:Metal
Others:
  • ▪ Additional:Deck
Sewer:Public Sewer
Parking Features:RV Access/Parking
Principal Interest
$1,878
Taxes
$217

Home Price

$339,900

Loan Details

30 yrs
7.374%

Down Payment

20%
$67,980
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:
$1,877.90

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,877.90 $216.69 $0.00 $2,094.58
Yearly $22,534.78 $2,600.24 $0.00 $25,135.02
Total $676,043.47 $78,007.05 $0.00 $754,050.52

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: 2026-10-07T03:46:57.000Z

© 2026 Bay County Association of REALTORS