Agent profile image in chat bubble
Agent profile image in chat header

Harrison Lilly Team

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

Agent profile image in message

112 S Charlene Dr , Panama City, FL 32404
$240,000
Est. Payment: $1,325.97/mo
4 Bed
2 Bath
1344 Sqft
0.23 Acres
Status: Pending | Days on site: 61
Get Pre-Qualified
BKWS - B11216,BNONA
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from Harrison Lilly Team, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
Agent profile image
Harrison Lilly Team
Owner/Operator

House Description

Located in the heart of Callaway, this beautifully updated home is just minutes from shopping, restaurants, the bay, and Tyndall Air Force Base. Remodeled in late 2024, the home features a warm, modern-boho style with an open-concept layout that feels bright and inviting. The kitchen offers stainless steel appliances, quartz countertops, and a large island overlooking the living room, making it a great space for everyday living or entertaining. Down the hall, you'll find three bedrooms, including the primary suite with its own bathroom, along with a guest bath. On the opposite side of the home is a fourth bedroom that would also make a great office, playroom, or flex space. A spacious laundry room is conveniently located nearby. Sitting on nearly a quarter-acre, the backyard offers plenty of room for a boat, RV, trailer, or other outdoor toys. There's also space for a garden, chickens, or whatever fits your lifestyle. If you're looking for an updated, move-in-ready home in a convenient location with plenty of outdoor space, this one is definitely worth seeing!

Highlights

Listed by Alyssa R Sato , 850-896-5977 Keller Williams Success Realty , 850-249-0313. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.23

Year Built

1971

County

Bay

Area

02 - Bay County - Central

Neighborhood

Lannie Rowe Lake Estates U-7

Listing ID

793023

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Electric Cooktop, Electric Oven, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Shower Only

Exterior Features

Lot:Paved
Lot Dimensions:72.0 ft x 117.0 ft
Roof:Composition,Shingle
Sewer:Public Sewer
Principal Interest
$1,326
Taxes
$153

Home Price

$240,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$48,000
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:
$1,325.97

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,325.97 $153.00 $0.00 $1,478.97
Yearly $15,911.59 $1,836.00 $0.00 $17,747.59
Total $477,347.56 $55,080.00 $0.00 $532,427.56

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

Never Miss a Property

Be the first to know when a property hits the market.

Current Listings

Last 30 Days
N/A
Oct 2026

Average Price

All Price Ranges
N/A
Oct 2026

Average Days on Market

All Price Ranges
N/A
Oct 2026
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