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Harrison Lilly

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

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4962 Prater Rd , Panama City, FL 32404
$459,000
Est. Payment: $2,327.96/mo
4 Bed
3 Bath
2301 Sqft
Status: active | Days on site: 4
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

INCREDIBLE OPPORTUNITY! THE VICTORIA WITH OVER $50,000 IN ADDITIONAL UPGRADES AND LESS THAN ONE YEAR OLD! This home is truly one of a kind! Welcome to The Victoria, one of Liberty's most popular floor plans, offering 2,301 square feet of spacious open-concept living with 4 bedrooms, 3 bathrooms, a 2-car garage, and a beautiful backyard overlooking the pond. With large, covered front and back porches, Hardie siding, and an open, inviting layout, this home offers an impressive combination of space, style, and functionality. What truly sets this immaculate Victoria apart are all the thoughtful touches, both inside and out. More than $50,000 in additional owner-added upgrades and improvements have been carefully incorporated into the home, from the extensive professional landscaping to the custom interior finishes, expanded outdoor living space, and additional storage. From the moment you arrive, the attention to detail is evident. The large covered front porch has been professionally epoxied, while the custom landscaping and custom decorative concrete edging create a striking curb appeal. Going well beyond the traditional front-yard landscaping, this home features thoughtfully designed landscaping that extends around all four sides and along the rear property, creating a beautifully finished look from every angle. The outdoor plantings include a 21-foot palm, a crepe myrtle tree, a 6-foot red Japanese maple, Little Gem magnolia, 6-foot holly, an extensive variety of bedding plants with landscape fabric providing weed protection beneath the mulch. A 25-foot flagpole adds another distinctive touch to the front of the property. Step inside the home to discover the carefully selected finishes throughout. The kitchen features elegant quartz countertops along with upgraded Samsung appliances, including the microwave, dishwasher, slide-in stove, and decorative refrigerator with changeable-color panels. A custom kitchen backsplash, unique pendant lighting, and high-end dining room chandelier further enhance the open kitchen and dining areas. The spacious family room features a tray ceiling and has been customized with an electric fireplace and bump-out wall, six 55-inch decorative floating shelves, and two 55-inch custom cabinets, creating not only an attractive focal point for the main living area, but also providing additional storage. The refined details continue through the home with upgraded lever-style door handles, custom room-darkening shades in the primary bedroom, faux wood blinds in all three guest rooms, draperies and hardware as hung, and automatic on/off lighting in the pantry, half bath, and primary closet. Additional closet shelving provides even more storage, while the laundry room includes a 60-inch decorative floating shelf. Meticulous care is evident throughout this home, extending even into the two-car garage. The garage floor has been professionally epoxied, an upgraded garage door opener has been installed, and extensive shelving provides additional organization. Attic stairs and added attic flooring create valuable overhead storage space. Continue through the home to one of its standout features - the gorgeous outdoor living area. The covered back porch opens to an impressive 35' x 15' lanai extension finished with heavy duty no-see-um screen and overlooking the pond and the beautifully designed planter areas. Both the original lanai floor and the newly added extension have been professionally epoxied, creating a large, finished outdoor living space perfect for relaxing, entertaining, or simply enjoying the backyard and water view. Whole-house gutters and downspouts as well as two motion sensor coach lights, and large hose reels on each side of the home have also been added, along with a decorative wooden plant hanger post with a night light. A second Ring doorbell has been installed by the back door for additional security and convenience. Liberty features underground utilities, helping reduce exposure to severe-weather damage and potentially providing fewer outages and more reliable service. Residents also enjoy access to two amenity centers featuring two community pools, a club house, children's splash pad, playground, well-equipped fitness center, and basketball and pickle ball courts. Conveniently located approximately 20 minutes from Tyndall Air Force Base. This home won't last long! Schedule your private tour today and see firsthand the incredible attention to detail, upgrades, and outdoor living this home has to offer. Measurements are approximate; please verify if important.

Highlights

Listed by Michael S Werner , 850-814-6266 Keller Williams Success Realty , 850-249-0313. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.18

HOA Fee

79 Monthly

Year Built

2025

County

Bay

Area

05 - Bay County - East

Neighborhood

Liberty

Listing ID

793840

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Electric Oven
Air Cond:Central Air
Fireplaces:
Other:
  • Additional:Double Vanity, Main Level Primary, Soaking Tub, Separate Shower

Exterior Features

Lot:Sprinkler System
Lot Dimensions:65.0 ft x 125.0 ft
Zoning:Resid Single Family
Roof:Composition,Shingle
Others:
  • Additional:Patio, Porch
Sewer:Public Sewer
Principal Interest
$2,328
Taxes
$87
HOA
$79

Home Price

$459,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$91,800
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:
$2,327.96

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,327.96 $86.53 $79.00 $2,493.49
Yearly $27,935.54 $1,038.34 $948.00 $29,921.88
Total $838,066.10 $31,150.20 $28,440.00 $897,656.30

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

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