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Harrison Lilly Team

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

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1004 Tidewater Ln , Panama City, FL 32404
$499,000
Est. Payment: $2,756.90/mo
4 Bed
4 Bath
2783 Sqft
0.29 Acres
Status: Active | Days on site: 26
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Harrison Lilly Team
Owner/Operator

House Description

A RARE OPPORTUNITY TO BUILD A HOME THAT FEELS UNIQUELY YOURS. This exceptional to-be-built residence in Laird Point offers something increasingly difficult to find--a beautiful new home with the opportunity for the buyer to participate in the selection process before construction is complete. Rather than purchasing someone else's choices, the buyer can personalize many of the finishes that will define the home, including flooring, cabinetry, countertops, paint colors, tile, fixtures and other design elements, subject to builder allowances and construction timing. Select the finishes that reflect your own taste and create a home that feels personal from the day you move in. The thoughtfully designed floor plan combines sophisticated architecture with the comfort and functionally expected in a luxury new-construction home. And because the home is to be built, the opportunity exists now to make selections that simply aren't possible once a completed home comes to market. New construction. Your selections. Your style. Your home. For a buyer who appreciates the advantages of a brand-new residence but doesn't want a cookie-cutter home designed for someone else, this is an exceptional opportunity to create something distinctly their own in Laird Point. Just as exceptional as the home is its setting within Laird Point, a distinctive gated waterfront community offering privacy, natural beauty and the relaxed lifestyle of coastal Florida. This particular homesite enjoys an especially desirable location. The water is directly across the street, providing the beauty and atmosphere of a waterfront setting without being directly on the shoreline. Behind the property are the community tennis and pickleball courts, creating an unusually open setting with no future home ever to be built directly behind this residence---a tremendous advantage for a buyer who values privacy, openness and a lasting sense of space. Laird Point offers the serenity of a private gated community surrounded by water and natural Florida beauty, while remaining convenient to the shopping, dining, recreation and attractions of the Panama City area. Combine this exceptional setting with the opportunity to select your own flooring, cabinetry, countertops, tile, colors and finishes, and this becomes far more than an opportunity to purchase a new home. It is a rare chance to create a home that reflects your style, your preferences and the way you want to live---in one of the area's most distinctive waterfront communities. Amenities also include RV/Boat storage and greenspace with sitting area. Schedule your private tour of Laird Point today.

Highlights

Listed by Donald W West , 850-596-3349 Northwest Florida Realty, LLC , 850-740-1069. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.29

HOA Fee

400 Annually

Year Built

2027

County

Bay

Area

05 - Bay County - East

Neighborhood

Laird Point

Listing ID

795304

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:3
  • ▪ 1/2 Bathrooms:1
Air Cond:Central Air
Fireplaces:

Exterior Features

Lot Dimensions:68x139x150x109
Zoning:City, Resid Single Family
Sewer:Public Sewer
Principal Interest
$2,757
Taxes
$22
HOA
$400

Home Price

$499,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$99,800
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:
$2,756.90

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,756.90 $22.11 $400.00 $3,179.02
Yearly $33,082.84 $265.37 $4,800.00 $38,148.21
Total $992,485.12 $7,961.10 $144,000.00 $1,144,446.22

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: 2026-10-07T05:07:46.000Z

© 2026 Bay County Association of REALTORS