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Harrison Lilly Team

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

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1020 Tidewater Ln , Panama City, FL 32404
$474,900
Est. Payment: $2,623.75/mo
4 Bed
4 Bath
2457 Sqft
0.28 Acres
Status: Active | Days on site: 64
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BKWS - B0931,B3528
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Harrison Lilly Team
Owner/Operator

House Description

**OPEN HOUSE SUNDAY JULY 19th 2-4pm** Immaculate Julian Floor Plan in a Gated Community with GORGEOUS Water Views! Welcome home to this beautifully maintained 4-bedroom, 3.5-bathroom residence, perfectly situated on a large private lot with peaceful water views in a desirable gated community. Thoughtfully upgraded and meticulously cared for, this home offers the perfect blend of comfort, style, and functionality. Step inside to find engineered hardwood flooring throughout the main areas downstairs and an inviting open-concept layout designed for everyday living and entertaining. The spacious living room is the heart of the home, showcasing a stunning shiplap accent wall with an electric fireplace for a warm and welcoming atmosphere. The gourmet kitchen overlooks the living area and features granite countertops, stainless steel appliances, a stone tile backsplash, breakfast bar, pantry, and tile flooring. Just off the kitchen, the elegant dining room is enhanced with wainscoting and French doors that lead to the screened back patio, seamlessly blending indoor and outdoor living. The spacious first-floor primary suite offers a relaxing retreat with crown molding, a large walk-in closet, an additional secondary closet, double vanities, and a beautifully tiled walk-in shower. Upstairs, you'll find luxury vinyl plank flooring, three generously sized bedrooms (one being a 2nd primary suite) and a large 2nd living room facing the water. Step outside to your private backyard oasis featuring a large screened patio with built-in speakers, an extended deck with a pergola, and a fenced backyard --ideal for relaxing or entertaining year-round. Additional highlights include a storm door, and exceptional curb appeal. This move-in-ready home truly has it all. Schedule your private showing today and experience everything this exceptional floor plan has to offer!

Highlights

Listed by Christina Daniels , 850-890-2320 and Briyana A Daniels , 850-890-5134 Keller Williams Success Realty , 850-249-0313. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.28

HOA Fee

400 Annually

Year Built

2015

County

Bay

Area

05 - Bay County - East

Neighborhood

Laird Point

Listing ID

791976

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:3
  • ▪ 1/2 Bathrooms:1
Appliances:Electric Range
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Double Vanity, Main Level Primary, Walk-In Closet(s)

Exterior Features

Lot:Paved
Lot Dimensions:119x60
Zoning:Resid Single Family
Others:
  • ▪ Additional:Porch
Sewer:Public Sewer
Parking Features:Garage,Garage Door Opener
Principal Interest
$2,624
Taxes
$363
HOA
$400

Home Price

$474,900

Loan Details

30 yrs
7.374%

Down Payment

20%
$94,980
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:
$2,623.75

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,623.75 $363.33 $400.00 $3,387.09
Yearly $31,485.05 $4,359.99 $4,800.00 $40,645.04
Total $944,551.47 $130,799.70 $144,000.00 $1,219,351.17

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