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Harrison Lilly Team

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

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12844 Lake Merial Strand Dr Unit 19 , Panama City, FL 32409
$576,990
Est. Payment: $3,187.79/mo
4 Bed
3 Bath
3231 Sqft
0.28 Acres
Status: Active | Days on site: 12
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HBGC - B12633
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Harrison Lilly Team
Owner/Operator

House Description

Upon entering the foyer, you'll notice the den/flex space on the left, providing a private area that can be customized to suit your preferences. To the right, a formal dining room awaits, creating an elegant setting for hosting memorable dinner parties or enjoying special meals with loved ones. Beyond the foyer, you'll discover a great room that seamlessly connects to the outdoor living area, allowing for seamless indoor-outdoor entertaining. The great room flows into the breakfast nook and kitchen, forming the heart of the home. The kitchen boasts an island with a sink, creating a functional and stylish workspace. Two pantries, located opposite each other in the kitchen, offer ample storage space for your culinary essentials. This central space is perfect for entertaining and hosting events or just togetherness with family. The Hamilton features a split floorplan, with the impressive owner's suite situated on one side of the great room. This layout promotes privacy and tranquility. The owner's suite boasts an oversized walk-in closet and a spacious owner's bathroom with a linen closet, providing luxurious comfort and convenience. The remaining bedrooms are located on the opposite side of the great room, ensuring privacy and personal space for family members or guests. Bedrooms 2 and 3 have easy access to a full bathroom, and a linen closet is conveniently located in the hallway. Bedroom 4 is privately situated beyond the kitchen and features a walk-in closet with access to a third bathroom just outside the bedroom. The oversized laundry room accommodates a large linen closet and offers the flexibility to include additional appliances or cabinetry for storage. The two-car garage is conveniently located off the mudroom near the kitchen and laundry room area.

Highlights

Listed by Trish Lohela , 904-466-1901 Holiday Builders of the Gulf Coast , 321-610-5940. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.28

HOA Fee

353 Quarterly

Year Built

2026

County

Bay

Area

04 - Bay County - North

Neighborhood

Lake Merial

Listing ID

795759

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:ENERGY STAR Qualified Appliances, Electric Oven, Electric Range, Electric Water Heater
Air Cond:Central Air,Heat Pump
Fireplaces:
Other:
  • ▪ Additional:Double Vanity, Main Level Primary, Sitting Area in Primary, Separate Shower, Walk-In Closet(s)

Exterior Features

Lot:Sprinkler System,Paved
Lot Dimensions:74X150
Zoning:Resid Single Family
Roof:Asphalt,Shingle
Principal Interest
$3,188
Taxes
$79
HOA
$353

Home Price

$576,990

Loan Details

30 yrs
7.374%

Down Payment

20%
$115,398
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:
$3,187.79

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,187.79 $78.88 $353.00 $3,619.67
Yearly $38,253.44 $946.60 $4,236.00 $43,436.04
Total $1,147,603.19 $28,398.00 $127,080.00 $1,303,081.19

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: 2026-10-07T08:07:44.000Z

© 2026 Bay County Association of REALTORS