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Harrison Lilly Team

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

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3545 Mill Point Cove , Panama City, FL 32404
$379,000
Est. Payment: $2,093.92/mo
4 Bed
3 Bath
1758 Sqft
0.1 Acres
Status: Active | Days on site: 10
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BSTG - B10278
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.
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Harrison Lilly Team
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House Description

Welcome to 3545 Mill Point Cove in Panama City! This well-maintained home offers a peaceful setting with a beautiful pond out back, creating the perfect place to relax and enjoy the outdoors. Located in Flood Zone X, the property is conveniently close to schools, grocery stores, shopping, and everyday necessities. Whether you're looking for a wonderful family home, an investment property, or a rental opportunity, this home offers plenty of flexibility. Its convenient location also makes it an excellent option for military families or tenants stationed at Tyndall Air Force Base. With its great condition, desirable location, and relaxing pond views, this property is ready for its next owner!
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Highlights

Listed by Misty L Curtis , 850-527-1178 Anchor Realty Florida , 850-899-7999. Bay County Association of REALTORS

Property Type

Residential
Lot/Acreage
0.1

HOA Fee

432 Annually

Year Built

2022

County

Bay

Area

02 - Bay County - Central

 Neighborhood

Mill Point

Listing ID

795625

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:1
Appliances:Electric Range, Electric Water Heater
Air Cond:Central Air
Fireplaces:
Floor:Plank,Vinyl
Other:
  • ▪ Additional:Double Vanity, Walk-In Closet(s)

Exterior Features

Lot:Sprinkler System
Lot Dimensions:40.0 ft x 104.0 ft
Zoning:Resid Single Family
Roof:Composition,Shingle
Others:
  • ▪ Additional:Patio
Sewer:Public Sewer
Principal Interest
$2,094
Taxes
$337
HOA
$432

Home Price

$379,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$75,800
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:
$2,093.92

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,093.92 $337.05 $432.00 $2,862.97
Yearly $25,127.04 $4,044.64 $5,184.00 $34,355.68
Total $753,811.35 $121,339.20 $155,520.00 $1,030,670.55

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: 2026-10-07T14:28:03.000Z

© 2026 Bay County Association of REALTORS