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Harrison Lilly Team

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

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3914 Ural St , Panama City, FL 32408
$549,900
Est. Payment: $3,038.12/mo
5 Bed
3 Bath
2509 Sqft
0.14 Acres
Status: Active | Days on site: 214
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BKWS - B0931,B11141
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from Harrison Lilly Team, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
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Harrison Lilly Team
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House Description

Back on the market at no fault of sellers...Welcome to your perfect beach getaway! Conveniently located between the lagoon and the beach. This spacious FULLY FURNISHED 5 bedroom/3 bathroom home offers 2 houses in 1!! The main house (upstairs) is 4 bedroom/2 bath with a full downstairs appt with separate entrance offering 1 bedroom/1 bath. Live in one and rent out the other or rent both. This home features a beautifully updated living space just a short walk from the stunning white sandy beaches. Whether you're looking for a full-time residence, vacation home, or TURN KEY RENTAL, this beach house checks every box. Recently refreshed with updated paint, flooring, and lighting, the home blends modern comfort with coastal charm. Relax and unwind on the outdoor patios where you can feel the breeze. SEPARATE IN LAW SUITE DOWNSTAIRS, Ideal for guest or another source of rental income!! This home offers both convenience and tranquility. Enjoy the ease of beach access just moments from your door, and take advantage of the area's vibrant dining, shopping, and entertainment. Don't miss this incredible opportunity to own a move-in-ready beach property with strong rental potential and room for everyone!
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Highlights

Listed by Christina Daniels , 850-890-2320 and Ryan A Daniels , 850-630-7640 Keller Williams Success Realty , 850-249-0313. Bay County Association of REALTORS

Property Type

Condo/Townhome
Lot/Acreage
0.14

Year Built

1979

County

Bay

Area

03 - Bay County - Beach

 Neighborhood

Holiday Beach Unit 13

Listing ID

784070

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:5
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Electric Cooktop, Electric Oven, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s),Ductless
Fireplaces:
Other:
  • ▪ Additional:Shower Only, Smart Thermostat

Exterior Features

Lot:Paved
Lot Dimensions:50x120
Zoning:Resid Single Family
Roof:Metal
Others:
  • ▪ Additional:Deck
Principal Interest
$3,038
Taxes
$470

Home Price

$549,900

Loan Details

30 yrs
7.374%

Down Payment

20%
$109,980
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:
$3,038.12

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,038.12 $470.42 $0.00 $3,508.53
Yearly $36,457.42 $5,645.00 $0.00 $42,102.42
Total $1,093,722.59 $169,350.00 $0.00 $1,263,072.59

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

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