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Harrison Lilly Team

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

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437 W Baldwin Rd , Panama City, FL 32405
$549,900
Est. Payment: $3,038.12/mo
3 Bed
2 Bath
2294 Sqft
0.65 Acres
Status: Active | Days on site: 218
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EKSR - E27806
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

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, and equipment.
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Highlights

Listed by Jane D Fillingim , 850-499-0223 Keller Williams Success Realty , 850-249-0313. Emerald Coast Multiple Listing Services

Property Type

Residential
Lot/Acreage
0.65

Year Built

1988

County

Bay

Area

27 - Bay County

 Neighborhood

Huntingdon Estates Unit 1

Listing ID

999182

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Cooktop, Dishwasher, Microwave, Refrigerator, Smoke Detector, Stove/Oven Electric, Trash Compactor, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Other:
  • ▪ Additional:Built-In Bookcases, Ceiling Cathedral, Ceiling Crwn Molding, Fireplace, Kitchen Island, Pantry, Shelving, Washer/Dryer Hookup, Woodwork Painted

Exterior Features

Lot:Cleared
Lot Dimensions:143 x 200
Zoning:City, Resid Single Family
Others:
  • ▪ Additional:Fenced Back Yard, Separate Living Area, Sprinkler System, Yard Building, Patio Covered, Porch, Fenced Privacy
Sewer:Public Sewer
Parking Features:Garage,Converted Garage,Boat,Covered,Detached,Garage Detached,Golf Cart Covered,Oversized,RV
Principal Interest
$3,038
Taxes
$351

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 $350.56 $0.00 $3,388.68
Yearly $36,457.42 $4,206.74 $0.00 $40,664.15
Total $1,093,722.59 $126,202.05 $0.00 $1,219,924.64

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 Emerald Coast Multiple Listing Services, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-10-07T06:31:40.000Z

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