Agent profile image in chat bubble
Agent profile image in chat header

Harrison Lilly Team

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

Agent profile image in message

239 Kraft Ave , Panama City, FL 32401
$274,900
Est. Payment: $1,518.78/mo
3 Bed
2 Bath
1142 Sqft
0.24 Acres
Status: Active | Days on site: 27
Get Pre-Qualified
TRE1 - B11793
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.
Agent profile image
Harrison Lilly Team
Owner/Operator

House Description

Welcome to this new construction home where modern design meets everyday comfort. Offering 3 bedrooms, 2 bathrooms, and an inviting open-concept layout, this home is the perfect fit for first-time buyers, military families, or anyone looking for low-maintenance living with quality finishes. Step inside to soaring vaulted ceilings, abundant natural light, and luxury vinyl plank flooring throughout--no carpet, making maintenance a breeze. The stylish kitchen is the heart of the home, featuring quartz countertops, stainless steel appliances, soft-close shaker cabinetry, and a large center island that's perfect for entertaining, meal prep, or gathering with family and friends. The thoughtfully designed split-bedroom floor plan provides added privacy for the primary suite, while the spacious secondary bedrooms offer flexibility for guests, a home office, or growing families. A one-car garage provides additional storage, and the oversized lot offers plenty of room to create your dream backyard, add a pool, or simply enjoy the extra outdoor space. Conveniently located just minutes from Tyndall Air Force Base, public boat ramps, parks, shopping, dining, and schools, you'll enjoy easy access to everything Panama City has to offer while still coming home to a peaceful neighborhood. Best of all, there's no HOA, giving you the freedom to park your boat, trailer, or recreational vehicles without added restrictions. Whether you're searching for your first home, relocating to the area, or looking for a strong investment opportunity, you will want to see this home.

Highlights

Listed by Christina Knox , 850-814-9940 Think Real Estate , 850-270-4200. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.24

Year Built

2026

County

Bay

Area

02 - Bay County - Central

Neighborhood

Keiths Bay Harbor Add

Listing ID

793653

Questions about this listing?

Contact Agent

Interior Features

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

Exterior Features

Lot Dimensions:75.0 ft x 140.0 ft
Zoning:Resid Single Family
Sewer:Public Sewer
Principal Interest
$1,519
Taxes
$40

Home Price

$274,900

Loan Details

30 yrs
7.374%

Down Payment

20%
$54,980
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:
$1,518.78

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,518.78 $39.77 $0.00 $1,558.55
Yearly $18,225.39 $477.24 $0.00 $18,702.63
Total $546,761.85 $14,317.20 $0.00 $561,079.05

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

Never Miss a Property

Be the first to know when a property hits the market.

Current Listings

Last 30 Days
N/A
Oct 2026

Average Price

All Price Ranges
N/A
Oct 2026

Average Days on Market

All Price Ranges
N/A
Oct 2026
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: 2026-10-07T12:26:16.000Z

© 2026 Bay County Association of REALTORS