Agent profile image in chat bubble
Agent profile image in chat header

Harrison Lilly

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

Agent profile image in message

I agree to receive automated marketing calls and texts (SMS/MMS) from Harrison Lilly Emerald Coast | Harrison Lilly Realty | PLACE, its affiliates and their agents. Msg & data rates may apply. Msg frequency varies. Reply STOP to cancel. Consent is not required for purchase. I also agree to the Terms of Use and Privacy Policy.

main property photo 0
main property photo 1
main property photo 2
main property photo 3
main property photo 4
main property photo 5
main property photo 6
main property photo 7
main property photo 8
main property photo 9
main property photo 10
main property photo 11
main property photo 12
main property photo 13
main property photo 14
main property photo 15
main property photo 16
main property photo 17
main property photo 18
main property photo 19
main property photo 20
main property photo 21
main property photo 22
main property photo 23
main property photo 24
main property photo 25
main property photo 26
main property photo 27
main property photo 28
main property photo 29
main property photo 30
main property photo 31
main property photo 32
main property photo 33
main property photo 34
main property photo 35
main property photo 36
main property photo 37
main property photo 38
main property photo 39
main property photo 40
main property photo 41
View All (42)
property photo 1
property photo 2
property photo 3
4421 Mill Bayou Rd , Panama City, FL 32404
$362,500
Est. Payment: $1,838.53/mo
3 Bed
2 Bath
2052 Sqft
Status: active | Days on site: 131
Get Pre-Qualified
VCR-C15903466 - VCR-C159091383,VCR-C159052275

By providing your number, you are expressly consenting, in writing, to receive telemarketing and other messages, including calls or texts at the number you provided above. This consent is not required to purchase any good or service. Message and data rates may apply. Text STOP to cancel.

This site is protected by reCAPTCHA and the GooglePrivacy Policy and Terms of Service apply.

Agent profile image
Harrison Lilly
Owner/Operator
View agent profile
Email
Call

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 1.48 acres, this 3-bedroom, 2-bathroom home offers a comfortable blend of space and convenience. 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.
Show more

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
Parking Features:Additional Parking
Principal Interest
$1,839
Taxes
$245

Home Price

$362,500

Loan Details

30 yrs
6.529%

Down Payment

20%
$72,500
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:
$1,838.53

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,838.53 $245.17 $0.00 $2,083.70
Yearly $22,062.38 $2,942.00 $0.00 $25,004.38
Total $661,871.38 $88,260.00 $0.00 $750,131.38

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

Never Miss a Property

Be the first to know when a property hits the market.

Current Listings

Last 30 Days
N/A
Aug 2026

Average Price

All Price Ranges
N/A
Aug 2026

Average Days on Market

All Price Ranges
N/A
Aug 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: 2026-08-20T06:33:19.000Z

© 2026 Bay County Association of REALTORS