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Harrison Lilly Team

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

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12801 Merial Pass , Panama City, FL 32409
$3,500
Est. Payment: $19.34/mo
5 Bed
3 Bath
3114 Sqft
0.33 Acres
Status: Active | Days on site: 6
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Harrison Lilly Team
Owner/Operator

House Description

Beautiful home in the sought-after gated neighborhood of Lake Merial. This subdivision offers a huge shared park, a lake, and a smaller pond for boating and fishing, accessible to all residents. The home features, easy-to-care-for LVP in bedrooms, and plenty of tech-friendly outlets. Enjoy recessed lighting, upgraded fixtures, and a huge kitchen with a matching pantry. The layout includes a French door office, a versatile room for family or workouts, and a formal dining room. The open kitchen merges with the dining and living rooms, creating a spacious main area for entertaining or family time. The master bedroom has direct access to the patio and pool, with another door from the dining area. Outside, you'll find an in-ground pool, an in-ground propane tank for the hot tub, and a shed with electricity, perfect for a workshop or storage with ample charging spaces.

Highlights

Listed by Michele Monastra , 850-493-7653 Epique Realty Inc , 888-893-3537. Bay County Association of REALTORS

Property Type

Residential Lease

Lot/Acreage
0.33

Year Built

2012

County

Bay

Area

04 - Bay County - North

Neighborhood

Lake Merial Phase One

Listing ID

796145

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:5
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Electric Range, Electric Water Heater, Free-Standing Refrigerator, Stainless Steel Appliance(s)
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Attic, Breakfast Bar, Tray Ceiling(s), Coffered Ceiling(s), Double Vanity, Garden Tub/Roman Tub, Kitchen Island, Pantry, Pull Down Attic Stairs, Recessed Lighting, Separate Shower, Walk-In Closet(s)

Exterior Features

Lot:Sprinkler System,Paved
Lot Dimensions:90.0 ft x 160.0 ft
Zoning:Resid Single Family
Roof:Composition,Shingle
Others:
  • ▪ Additional:Hot Tub/Spa
Principal Interest
$19
Taxes
$2

Home Price

$3,500

Loan Details

30 yrs
7.374%

Down Payment

20%
$700
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:
$19.34

Principal

Taxes

Principal Taxes HOA Total
Monthly $19.34 $2.23 $0.00 $21.57
Yearly $232.04 $26.78 $0.00 $258.82
Total $6,961.32 $803.25 $0.00 $7,764.57

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