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Harrison Lilly Team

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

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3905 E 11th St , Panama City, FL 32404
$129,000
Est. Payment: $712.71/mo
1 Acres
Status: Active | Days on site: 434
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BGRE - BD541,B10119
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Harrison Lilly Team
Owner/Operator

House Description

Prime Mixed-Use Lot | 0.95 AC Near New City Hall. Unlock the massive potential of this versatile, high-visibility 0.955-acre lot, perfectly positioned near the brand-new Springfield Government Complex and City Hall! Boasting premium Commercial Mixed-Use zoning, this property offers rare development flexibility for savvy investors, builders, or business owners. Dual Street Access & High Functionality: Seamless Traffic Flow: Premium frontage on 11th Street with highly functional rear access from Wave Avenue--perfect for easy commercial deliveries, customer parking, or private residential entry. Ultimate Versatility: Maximize your return! Build your custom dream home on the quiet back portion and run your business out of the front. Endless Possibilities: Fully approved for Boat/RV storage, retail storefronts, modern office spaces, or multi-use commercial structures. The Location & Infrastructure Advantage: Ready to Connect: Steps away from expanding city infrastructure in a high-growth sector. Direct Broker/Owner Sale: Sold strictly As-Is, ensuring a direct and transparent buying process. Bring Your Vision: Tap into the city's future growth boom--consult with the City Hall planning department to finalize your custom blueprints! Don't let this prime commercial footprint pass you by. Submit your offer today and secure your stake in a booming district!

Highlights

Listed by Krista R Navarro , 850-258-2611 and Michael A Morrison , 407-912-0583 Gulf Real Estate , 850-258-2611. Bay County Association of REALTORS

Property Type

Vacant Land

Lot/Acreage
1

County

Bay

Area

02 - Bay County - Central

Neighborhood

M&B

Listing ID

775220

Questions about this listing?

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Interior Features

Exterior Features

Zoning:Resid Multi-Family, Unrestricted, City, Commercial, General Commercial, Business
Sewer:Public Sewer
Principal Interest
$713
Taxes
$82

Home Price

$129,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$25,800
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:
$712.71

Principal

Taxes

Principal Taxes HOA Total
Monthly $712.71 $82.24 $0.00 $794.94
Yearly $8,552.48 $986.85 $0.00 $9,539.33
Total $256,574.31 $29,605.50 $0.00 $286,179.81

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: 2026-10-07T08:26:25.000Z

© 2026 Bay County Association of REALTORS