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Harrison Lilly

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

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3410 Martinique Ln , Panama City, FL 32408
$699,000
Est. Payment: $3,545.20/mo
3 Bed
3 Bath
2080 Sqft
Status: active | Days on site: 74
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

3BR/2.5BA home in Martinique in Panama City Beach. Extensive upgrades, metal roof 2025, pond views, screened outdoor kitchen. Located in the gated Martinique community on the east end of Panama City Beach, this 3-bedroom, 2.5-bath home offers 2,080 square feet on a 0.11-acre lot with a layout designed for both full-time living and coastal second-home use. Martinique is known for its Old Florida-style architecture, mature landscaping, ponds, walking trails, community pool, playground, basketball court, and limited inventory of available homes. The neighborhood is positioned near Grand Lagoon, Capt. Anderson's Marina, St. Andrews State Park, public beach accesses, restaurants, and shopping. Inside, all bedrooms are located upstairs, including the primary suite with walk-in closets. The secondary bedrooms have access to the upstairs balcony with new Trex decking that measures approximately 6'1'' by 21'4''. The main living area features ambient lighting, a gas fireplace, and new French doors and windows that bring additional natural light into the home. The kitchen was remodeled with quartz countertops, backsplash upgrades, Frigidaire Gallery appliances, updated sink and faucet, and a convection/air fryer oven. Washer, dryer, and refrigerator convey with the property, and the laundry room includes a second-floor laundry chute. Recent improvements provide long-term value and peace of mind, including a snap lock standing seam galvalume metal roof installed in 2025, impact-rated windows and doors on portions of the home, updated exterior and interior paint, Honeywell smart thermostats, epoxy garage flooring, and driveway pavers installed in 2025. Additional updates include a remodeled downstairs half bath, three new American Standard Comfort toilets, upgraded electrical, backflow prevention replacement, new fencing, expanded patio space with pavers, exterior lighting improvements, and a termite bond. Outdoor living is a major feature of the property with a screened porch outdoor kitchen, cooktop, wood-burning outdoor fireplace, hot tub (that also stays with the house), fenced backyard, outdoor shower, and pond views. The oversized garage includes hanging storage systems and keypad access. The home also includes irrigation with two water lines and sprinkler systems already in place. Martinique is one of the more established gated neighborhoods in Panama City Beach and is valued for its custom homes, walkability, and proximity to boating, beaches, and dining without the density of larger resort communities. Owners can walk to nearby restaurants, bike to St. Andrews State Park, and reach Grand Lagoon marinas within minutes. Short-term rentals are not allowed in Martinique, helping preserve the residential atmosphere many buyers seek on the east end of PCB.

Highlights

Listed by Cindy Morehouse , 850-822-1055 and Greg B Taylor , 850-896-4173 Counts Real Estate Group Inc , 850-249-3615. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.11

HOA Fee

1385.89 Annually

Year Built

2002

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Martinique Phase I

Listing ID

790389

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Electric Range, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:Gas
Other:
  • Additional:Double Vanity, Interior Steps, Jetted Tub, Soaking Tub, Separate Shower, Upper Level Primary, Walk-In Closet(s), Entrance Foyer

Exterior Features

Lot:Sprinkler System,Paved
Lot Dimensions:50x100x50x100
Zoning:Resid Single Family
Roof:Metal
Others:
  • Additional:Patio, Courtyard, Outdoor Kitchen, Porch
Sewer:Public Sewer
Principal Interest
$3,545
Taxes
$532
HOA
$1,386

Home Price

$699,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$139,800
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:
$3,545.20

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,545.20 $532.08 $1,385.89 $5,463.17
Yearly $42,542.35 $6,385.00 $16,630.68 $65,558.03
Total $1,276,270.60 $191,550.00 $498,920.40 $1,966,741.00

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