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Harrison Lilly Team

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

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109 Saw Grass Way , Panama City, FL 32404
$337,500
Est. Payment: $1,864.64/mo
4 Bed
2 Bath
1847 Sqft
0.17 Acres
Status: Active | Days on site: 5
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BASRT - B11199
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Harrison Lilly Team
Owner/Operator

House Description

Welcome to 109 Saw Grass Way, a beautifully maintained 4-bedroom, 2-bath home in the desirable Villages of Mill Bayou. From the moment you arrive, it's clear this home has been well cared for--and the setting makes it even more special. Inside, the open floor plan creates a bright, comfortable space that's perfect for everyday living and entertaining. The spacious kitchen features granite countertops, custom cabinetry, a breakfast bar, and an adjoining dining area, all flowing naturally into the main living space. Durable LVP flooring adds both style and easy maintenance, while the generous primary suite includes a private bath with granite countertops and a relaxing soaking tub. One of the best features of this home is what you'll find out back. Step onto the screened-in back porch and enjoy a peaceful view of the pond--an ideal place for morning coffee, evening drinks, or simply unwinding at the end of the day. The backyard is fully fenced while still preserving the beautiful water view, giving you the benefit of an enclosed yard without sacrificing the scenery. With no homes directly behind you, the backyard feels open, peaceful, and private. The Villages of Mill Bayou offers a welcoming community atmosphere with sidewalks, opportunities for kayaking and fishing, and a community pool located just a short walk from the house. Outdoor recreation is also close at hand with Lynn Haven Bayou Park & Preserve nearby, along with easy access to the bay for boating, fishing, kayaking, paddleboarding, and other water activities. The location is convenient to shopping, dining, area schools, and everyday necessities, while still offering the relaxed feel of a neighborhood tucked close to the water. If you're looking for a move-in-ready home with plenty of space, a fantastic backyard setting, water views, and a community you'll enjoy coming home to, 109 Saw Grass Way deserves a closer look.

Highlights

Listed by Olivia Mills , 850-810-1864 Bastion Realty LLC , 850-420-1959. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.17

HOA Fee

105 Monthly

Year Built

2019

County

Bay

Area

02 - Bay County - Central

Neighborhood

Mill Bayou Phase 1

Listing ID

794931

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Electric Range
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Double Vanity, Main Level Primary, Soaking Tub, Separate Shower, Walk-In Closet(s)

Exterior Features

Lot:Paved
Lot Dimensions:65.0 ft x 120.0 ft
Roof:Composition,Shingle
Others:
  • ▪ Additional:Porch
Sewer:Public Sewer
Parking Features:Garage,Garage Door Opener
Principal Interest
$1,865
Taxes
$390
HOA
$105

Home Price

$337,500

Loan Details

30 yrs
7.374%

Down Payment

20%
$67,500
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:
$1,864.64

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,864.64 $390.13 $105.00 $2,359.77
Yearly $22,375.67 $4,681.59 $1,260.00 $28,317.26
Total $671,270.00 $140,447.70 $37,800.00 $849,517.70

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

© 2026 Bay County Association of REALTORS