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Harrison Lilly

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

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116 Queens Cir , Panama City, FL 32405
$735,000
Est. Payment: $3,727.78/mo
3 Bed
3 Bath
2567 Sqft
Status: active | Days on site: 19
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Beautiful canal-front home offering over 2,500 heated square feet with an open, split-bedroom floor plan designed for comfortable everyday living and entertaining. The spacious family room features a vaulted ceiling and wood-burning fireplace, creating a warm and inviting gathering space. The fully equipped kitchen includes a pantry, abundant cabinetry, and opens seamlessly to the main living areas. The private primary suite offers a generous bedroom and an ensuite bath with double vanities, a garden tub, separate shower, and walk-in closet. Two additional bedrooms are located on the opposite side of the home for added privacy. Step outside to enjoy Florida living at its best with a screen-enclosed in-ground pool, covered porch, and a large backyard overlooking the canal. Boaters will appreciate the vinyl seawall, covered boathouse, and direct water access. As part of the county's canal dredging project, the canal adjacent to the property was reported to provide an approximate water depth of five feet at Mean High Water (MHW), offering excellent access for many recreational boats. Approximate canal depth is based on the county's dredging information; buyers should verify suitability for their specific vessel and operating conditions. The oversized lot provides plenty of room for outdoor activities and entertaining. Additional features include a 600-square-foot attached garage, inside laundry, mature landscaping, and a desirable location in King's Point. According to the Bay County Property Appraiser, the home offers 2,567 heated square feet, was built in 1988, sits on approximately 0.48 acres, and is located in Flood Zones X and AE, with the residence itself believed to be in Flood Zone X. Buyer should verify flood zone designation and insurance requirements. A rare opportunity to own a spacious waterfront home with a pool, private boating amenities, and the lifestyle that makes Florida living so enjoyable.

Highlights

Listed by Steve E Butler , 850-832-6434 ERA Neubauer Real Estate, Inc , 850-872-3434. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.47

Year Built

1988

County

Bay

Area

02 - Bay County - Central

Neighborhood

Kings Point 1st Add

Listing ID

793447

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Electric Range, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Double Vanity, Jetted Tub, Separate Shower, Walk-In Closet(s)

Exterior Features

Lot:Sprinkler System,Paved
Lot Dimensions:100.0 ft x 209.0 ft
Roof:Shingle
Others:
  • Additional:Boat Lift, Dock, Porch, Rain Gutters
Parking Features:Garage,Garage Door Opener
Principal Interest
$3,728
Taxes
$244

Home Price

$735,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$147,000
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:
$3,727.78

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,727.78 $243.97 $0.00 $3,971.75
Yearly $44,733.38 $2,927.63 $0.00 $47,661.01
Total $1,342,001.28 $87,828.90 $0.00 $1,429,830.18

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

© 2026 Bay County Association of REALTORS