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Harrison Lilly Team

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

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7009 N Lagoon Dr Unit 107 , Panama City, FL 32408
$665,000
Est. Payment: $3,674.03/mo
3 Bed
3 Bath
2339 Sqft
0.07 Acres
Status: Active | Days on site: 515
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BCP1 - B1744
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

REDUCED! MOTIVATED SELLER! HOA IS 800.00 a quarter.This is a beautiful updated home on North Lagoon! This home is packed with value, comfort, and coastal living perks. Located in a very desirable neighborhood with low HOA dues, community pool, and a club house for entertaining. Boat slip included with a lift. Hop on your boat and spend a day of fishing in the gulf or a day at Shell Island. House includes a 7 person hot tub. This neighborhood is in a great location on the popular street of North Lagoon. Insidethere are many updates. In 2024, $30,000 was spent on new impact windows creating energy efficiency and storm protection. Home includes a Tankless gas hot water heater, gas stove, and gas fireplace. There is a 16 seer AC unit (2019) and 2.5 ton heat pump system for the downstairs(2023). Down stairs has a very spacious living area and a remodeled kitchen and a nice dining area, perfect for all gatherings. This 3 bedroom 2.5 bath home has a large bonus room with a cozy sunroom attached, ideal for family fun, a home office, or a guest space. Don't miss this opportunity to own a move in ready home with many upgrades with waterfront access. All measurements are approximate. Please measure if important.
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Highlights

Listed by Cynthia Luster , 850-691-7927 Coastal Property Services, Inc , 850-544-9440. Bay County Association of REALTORS

Property Type

Residential
Lot/Acreage
0.07

HOA Fee

800 Quarterly

Year Built

2003

County

Bay

Area

03 - Bay County - Beach

 Neighborhood

Lagoon Estates

Listing ID

772966

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:1
Appliances:Gas Range, Tankless Water Heater
Air Cond:Central Air,Heat Pump,Multi Units
Fireplaces:Gas
Floor:Plank,Vinyl
Other:
  • ▪ Additional:Balcony, Double Vanity, Sitting Area in Primary, Upper Level Primary, Walk-In Closet(s)

Exterior Features

Lot:Sprinkler System,Paved
Lot Dimensions:48 x 60
Zoning:Resid Single Family
Roof:Metal
Others:
  • ▪ Additional:Boat Lift, Boat Slip, Dock, Patio
Sewer:Public Sewer
Parking Features:Garage,Garage Door Opener,Gated
Principal Interest
$3,674
Taxes
$269
HOA
$800

Home Price

$665,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$133,000
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:
$3,674.03

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,674.03 $268.50 $800.00 $4,742.53
Yearly $44,088.35 $3,222.00 $9,600.00 $56,910.35
Total $1,322,650.52 $96,660.00 $288,000.00 $1,707,310.52

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: 2026-10-07T08:26:25.000Z

© 2026 Bay County Association of REALTORS