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Harrison Lilly

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

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3946 Whitehead Boulevard , Panama City, FL 32404
$499,000
Est. Payment: $2,530.83/mo
5 Bed
4 Bath
4032 Sqft
Status: pending | Days on site: 421
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Spacious 5BR/3.5BA home in the family-friendly Manors of Magnolia Hills offering 4,032 sq ft of open-concept living. Main-level primary suite features a walk-in closet, double vanity, separate shower, and soaking tub. Upstairs includes four additional bedrooms, a Jack-and-Jill bath, and an oversized bonus room. Enjoy pond views from the covered back patio or take out the included John boat for a relaxing afternoon on the water. Welcoming foyer, covered front porch, fenced yard, sprinkler system, and large storage shed included. Energy costs are exceptionally low: fully paid-off solar panels save $200-$300/month, dual HVAC systems with UV air purifiers, and average total utilities of just $150-$200/month. One-year home warranty included. Playground just steps from your front door, 20 minutes to Tyndall AFB, and zoned for Cedar Grove Elementary, Merritt Brown Middle, and Bay High School. Easy access to shopping, dining, and major roadways. Seller offering $7,500 flooring credit at closing, choose your own style & have installed prior to closing! Property is tenant-occupied; requiring a minimum 30 day close. Assumable 2.25% VA loan with approximately $303,000 balance at $1,839/month (P&I). Compare to $2,754/month at today's 7% rates, a savings of $915/month and $220,000+ over the life of the loan. Approximately $212,000 down required to assume. VA eligibility required. Don't let this rate walk out the door. This one truly is a must see!

Highlights

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

Property Type

Residential

Lot/Acreage
0.33

HOA Fee

200 Annually

Year Built

2019

County

Bay

Area

02 - Bay County - Central

Neighborhood

Manors of Magnolia Hills

Listing ID

771782

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:5
  • Bathrooms:4
  • Full Bathrooms:3
  • 1/2 Bathrooms:1
Appliances:ENERGY STAR Qualified Appliances, Electric Range, Electric Water Heater, Air Purifier
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Bidet, Double Vanity, Interior Steps, Main Level Primary, Smart Home, Soaking Tub, Separate Shower, Walk-In Closet(s), Entrance Foyer, Pantry, Storage

Exterior Features

Lot:Cul-De-Sac,Sprinkler System,Paved
Lot Dimensions:53x 130x 165 x130
Zoning:Resid Single Family
Roof:Shingle
Principal Interest
$2,531
Taxes
$422
HOA
$200

Home Price

$499,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$99,800
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:
$2,530.83

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,530.83 $421.75 $200.00 $3,152.58
Yearly $30,370.01 $5,061.00 $2,400.00 $37,831.01
Total $911,100.19 $151,830.00 $72,000.00 $1,134,930.19

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

© 2026 Bay County Association of REALTORS