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Harrison Lilly

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

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2306 Pretty Bayou Island Dr , Panama City, FL 32405
$569,900
Est. Payment: $2,890.43/mo
4 Bed
2 Bath
2426 Sqft
Status: active | Days on site: 6
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

OPEN HOUSE SUN 8/16 1-3PM! All-Brick Waterfront Home | Direct Gulf Access | Over ½ Acre | NO HOA | Exceptional Privacy Rare opportunity to own over half an acre of private waterfront with no HOA and complete freedom to make the property your own. A dense natural tree line along the back of the lot creates exceptional privacy--you won't see neighbors across the canal, giving you a true sense of seclusion while still enjoying direct waterfront living. This charming all-brick 4-bedroom, 2-bath home offers more than 2,400 sq ft of living space filled with natural light, new flooring throughout, and a fresh interior paint job. Approximately 100 feet of natural shoreline--one of the few remaining natural shorelines in the area--provides easy, soft access for kayaking and paddleboarding, plus a private dock for launching your boat. Cruise less than 9 nautical miles to the crystal-clear waters and white sandy beaches of Shell Island, or head about 11 nautical miles through the pass to open water for deep-sea fishing. Panama City Beach is less than 3 miles away, Tyndall Air Force Base is approximately 15 miles away, and grocery stores and shopping are located nearby. Inside An open, inviting living and dining area centers on a cozy wood-burning fireplace. The kitchen features a breakfast bar, warm wood cabinetry, and granite countertops that flow into the formal dining space. You'll also find a dining nook, a dedicated formal dining room, and a versatile bonus space next to the living room--ideal as a home office or extra dining area. The spacious master suite includes a walk-in closet and a private bath with a walk-in tile shower. Three additional bedrooms share a full bathroom featuring a tiled tub/shower combo. A large laundry room makes daily living effortless. Outdoor Living Step outside to your private waterfront oasis. Enjoy the included hot tub, entertain around the built-in gas and charcoal grill, or gather at the firepit on cooler evenings. The expansive backyard is large enough for a pool, play area, or garden, with two storage sheds and a beautiful orange tree adding charm and fresh citrus. A sprinkler system covers the front and back yards. The home sits on a well-and-septic system with an instant hot-water heater under the sink. Roof is approximately 2017. All-brick construction. This rare waterfront gem combines classic Florida charm, modern updates, natural shoreline access, unmatched privacy from the tree-lined canal, and unbeatable boating convenience--without HOA restrictions. Ideal as a primary residence, weekend getaway, or investment. All sizes, distances, and ages are approximate; please verify if important.

Highlights

Listed by Kristy A Woliver , 850-630-1143 Blue Bird Woliver Realty , 850-630-1143. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.57

Year Built

1972

County

Bay

Area

02 - Bay County - Central

Neighborhood

Island View Estates

Listing ID

793863

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Electric Cooktop
Air Cond:Central Air
Fireplaces:
Other:
  • Additional:Main Level Primary

Exterior Features

Lot Dimensions:100.0 ft x 250.0 ft
Roof:Composition,Shingle
Others:
  • Additional:Patio
Principal Interest
$2,890
Taxes
$363

Home Price

$569,900

Loan Details

30 yrs
6.529%

Down Payment

20%
$113,980
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:
$2,890.43

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,890.43 $362.65 $0.00 $3,253.08
Yearly $34,685.10 $4,351.85 $0.00 $39,036.95
Total $1,040,553.10 $130,555.50 $0.00 $1,171,108.60

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

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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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