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

4421 Mill Bayou Rd , Panama City, FL 32404
$360,000
Est. Payment: $1,988.95/mo
3 Bed
2 Bath
2052 Sqft
1.48 Acres
Status: Active | Days on site: 152
Get Pre-Qualified
BSA2 - B10517
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

If you've been dreaming of space, privacy, room to breathe, with No HOA, this may be what you are looking for. Situated on a large 1.48 acre corner lot, this 3-bedroom, 2-bathroom home offers a comfortable blend of space and convenience. The property also includes a shed providing extra storage. With approximately 2,052 square feet, the layout features the primary suite on the main floor, along with the living area, kitchen and dining room. The dining room includes a door leading to the back yard allowing for flexible use to suit your needs. Upstairs offers two additional bedrooms, a bathroom, plus a large bonus room, perfect for a game room, home office or extra living space. Whether you're looking for extra elbow room, a place to spread out, or looking for that 'country living feel' without being far from town, this property is worth a look. Current zoning allows for horses, although buyers should confirm current zoning and requirements during due diligence.

Highlights

Listed by Yvette Colona, GRI , 850-832-6893 Coldwell Banker Realty , 850-234-6696. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
1.48

Year Built

1985

County

Bay

Area

02 - Bay County - Central

Neighborhood

Mill Bayou Estates

Listing ID

787730

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Electric Range
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Main Level Primary, Soaking Tub, Separate Shower

Exterior Features

Lot Dimensions:512 x 126
Zoning:Horses Allowed
Others:
  • ▪ Additional:Patio
Parking Features:Additional Parking
Principal Interest
$1,989
Taxes
$245

Home Price

$360,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$72,000
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:
$1,988.95

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,988.95 $245.17 $0.00 $2,234.11
Yearly $23,867.38 $2,942.00 $0.00 $26,809.38
Total $716,021.33 $88,260.00 $0.00 $804,281.33

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: 2026-10-07T08:07:44.000Z

© 2026 Bay County Association of REALTORS