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Harrison Lilly

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

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437 W Baldwin Rd , Panama City, FL 32405
$574,900
Est. Payment: $2,915.48/mo
3 Bed
2 Bath
2294 Sqft
Status: active | Days on site: 181
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Rare opportunity to own a true live-work lifestyle property in the heart of Panama City with no HOA restrictions, multiple outbuildings, RV/boat parking, and a large workshop complete with car lift. Situated on a spacious 0.65-acre corner lot, this 3-bedroom, 2-bath residence offers 2,294 square feet of heated and cooled living space, including approximately 400 additional square feet of versatile flex space--ideal for 4th Bedroom, a game room, home office, or additional usable area to suit a variety of needs. What truly sets this property apart is the exceptional storage and functionality provided by multiple outbuildings and storage sheds, offering endless possibilities for workshops, studios, or secure storage. This unique setup makes the property an excellent fit for contractors, car enthusiast, hobbyists, or anyone needing space for tools, equipment, or recreational gear, and may present income-producing opportunities depending on use. The expansive corner lot provides ample room for RV or boat storage, with easy access and no HOA restrictions. Two of the three buildings have electricity and the large 20 x 50 storage has a car lift. One of the buildings have an epoxy poured floor. Inside, the home features a spacious family room designed for both everyday living and entertaining, highlighted by decorative moldings and a wood-burning fireplace that anchors the main living area. The dining area flows seamlessly into the well-appointed kitchen area which features oak cabinetry, a center island, solid surface countertops, and upgraded appliances. A light-filled bay window overlooks the covered patio and fenced backyard, creating an inviting space for play, pets, and weekend cookouts. The primary bedroom includes a tiled ensuite bath with a glass-enclosed shower. The second and third bedrooms are generously sized providing comfort and functionality. Outdoor living is enhanced by a covered porch, while two driveways allow easy access to the outbuildings and provide multiple parking areas. Additional updates include a new HVAC system, adding comfort and peace of mind for the next owner.The property offers privacy, flexibility, and space rarely found, all while being conveniently located near Hwy 390 with quick access to the new Sweetbay Publix Shopping Center and minutes from 23rd Street shopping and daily conveniences. You are a short drive to the beautiful Panama City Beaches and all of the activities offered. Don't miss this opportunity! Schedule your showing today!

Highlights

Listed by Jane Fillingim , 850-499-0223 Keller Williams Success Realty , 850-249-0313. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.65

Year Built

1988

County

Bay

Area

02 - Bay County - Central

Neighborhood

Huntingdon Estates U-1

Listing ID

784768

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Electric Cooktop, Electric Water Heater
Air Cond:Central Air
Fireplaces:
Other:
  • Additional:Double Vanity, Main Level Primary, Walk-In Closet(s)

Exterior Features

Lot:Sprinkler System,Paved
Lot Dimensions:143 x 200
Zoning:Resid Single Family
Roof:Composition,Shingle
Sewer:Public Sewer
Parking Features:Paved,RV Garage,RV Access/Parking
Principal Interest
$2,915
Taxes
$438

Home Price

$574,900

Loan Details

30 yrs
6.528%

Down Payment

20%
$114,980
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:
$2,915.48

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,915.48 $438.00 $0.00 $3,353.48
Yearly $34,985.78 $5,256.00 $0.00 $40,241.78
Total $1,049,573.34 $157,680.00 $0.00 $1,207,253.34

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

6%

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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

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