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Harrison Lilly

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

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104 Lakeridge Dr , Panama City, FL 32405
$389,000
Est. Payment: $1,972.93/mo
3 Bed
2 Bath
1465 Sqft
Status: active | Days on site: 111
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Did you say waterfront? Life on the water becomes your everyday backdrop in this beautifully updated waterfront home, where you can swim, fish, boat, or paddleboard right from your backyard. Designed to embrace both comfort and lifestyle, the home features 9-foot ceilings that create an open, airy feel, along with thoughtful upgrades throughout that elevate both form and function. Recent improvements offer peace of mind and modern efficiency, including a 2019 roof and a 2023 hot water recirculator for added convenience of warm water almost instantly. The outdoor living experience has been enhanced with a 2023 screened in lanai, perfect for enjoying tranquil water views and coastal breezes. Inside, updated appliances in 2023, custom pull-outs, an air purifier (2023) integrated into the HVAC system adding an extra layer of comfort. Additional upgrades include a slider with a lifetime warranty, elegant crown molding, quartz countertops, cabinet pull outs, . Even the natural surroundings add to the charm, with local wildlife like turtles often making an appearance along the water's edge. Perfectly located in the heart of Panama City, this home places you just minutes from historic downtown Panama City, the charm of historic St. Andrews, and the white sand beaches of the Gulf. Everyday conveniences like shopping and dining are close by, while your own backyard offers a private waterfront escape that feels like a world away.

Highlights

Listed by Heather Fox , 850-541-5774 Beachy Beach Real Estate , 850-532-6262. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.1

HOA Fee

1000 Annually

Year Built

2017

County

Bay

Area

02 - Bay County - Central

Neighborhood

Lake Marin

Listing ID

788842

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Electric Cooktop, Electric Oven, Electric Water Heater, Air Purifier
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Double Vanity, Main Level Primary, Sitting Area in Primary, Tub Shower, Walk-In Closet(s)

Exterior Features

Lot:Sprinkler System
Lot Dimensions:55X125X37X95
Roof:Composition,Shingle
Sewer:Public Sewer
Principal Interest
$1,973
Taxes
$146
HOA
$1,000

Home Price

$389,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$77,800
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:
$1,972.93

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,972.93 $145.67 $1,000.00 $3,118.60
Yearly $23,675.22 $1,748.00 $12,000.00 $37,423.22
Total $710,256.46 $52,440.00 $360,000.00 $1,122,696.46

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