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Harrison Lilly Team

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

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1409 Arthur Ave , Panama City, FL 32401
$299,900
Est. Payment: $1,656.90/mo
3 Bed
2 Bath
1068 Sqft
0.24 Acres
Status: Active | Days on site: 137
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BBBI - B10537,B10536
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

MOTIVATED SELLER, PRICE IMPROVEMENT! **Seller also open to contributing toward buyer closing costs with acceptable offer. Nestled in the heart of Panama City's historic St. Andrews neighborhood, this classic 1950s ranch-style home at 1409 Arthur Ave offers the perfect blend of coastal living and investment opportunity. Featuring a highly functional 1,068 sq. ft. layout, this property is a rare find: it is situated in a Residential Single-Family (R-1) zone that explicitly allows short-term vacation rentals under City of Panama City guidelines! Walk or bike to the vibrant St. Andrews marina, eclectic local dining, craft breweries, and popular waterfront parks. The home boasts a deep lot with plenty of room for outdoor entertainment or future expansions. Whether you are looking for an affordable primary residence, a coastal weekend getaway, or a rental investment, you can't beat this home's location or value.
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Highlights

Listed by Michael M Thomas , 850-387-3680 and Jamie L Thomas , 850-832-9292 Beachy Beach Real Estate , 850-233-4351. Bay County Association of REALTORS

Property Type

Residential
Lot/Acreage
0.24

Year Built

1950

County

Bay

Area

02 - Bay County - Central

 Neighborhood

Hursts Replat

Listing ID

791515

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Electric Range
Air Cond:Central Air
Fireplaces:
Floor:Plank,Vinyl
Other:
  • ▪ Additional:Main Level Primary

Exterior Features

Lot Dimensions:75.0 ft x 140.0 ft
Zoning:Resid Single Family
Roof:Composition,Shingle
Others:
  • ▪ Additional:Deck
Sewer:Public Sewer
Parking Features:No Garage
Principal Interest
$1,657
Taxes
$191

Home Price

$299,900

Loan Details

30 yrs
7.374%

Down Payment

20%
$59,980
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:
$1,656.90

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,656.90 $191.19 $0.00 $1,848.09
Yearly $19,882.85 $2,294.24 $0.00 $22,177.09
Total $596,485.55 $68,827.05 $0.00 $665,312.60

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

© 2026 Bay County Association of REALTORS