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Harrison Lilly

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

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2220 Saint Andrews Boulevard , Panama City, FL 32405
$645,000
Est. Payment: $3,271.32/mo
3 Bed
2 Bath
2867 Sqft
Status: active | Days on site: 27
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Unique Residential & Commercial Opportunity on Highway 390! Situated on approximately 0.801 acres, this versatile property offers endless possibilities for both residential and commercial use. The existing 2,867 sq. ft. home features 3 bedrooms, 2 full bathrooms, and three additional oversized living areas that can be utilized as a family room, living room, bonus room, office space, conference rooms, retail space, or other business-related uses. With excellent visibility along Highway 390 (St. Andrews Boulevard), this property is ideal for entrepreneurs, investors, or homeowners seeking a live/work setup. The expansive lot provides ample room to potentially build an additional residence on the rear portion of the property while utilizing the existing structure for commercial purposes, subject to zoning and local approval. Whether you're looking for a spacious home, a business location, investment opportunity, or a combination of all three, this property offers the flexibility and space to bring your vision to life. Conveniently located near shopping, dining, schools, and major thoroughfares, this is a rare opportunity to own a property with both residential comfort and commercial potential. All measurements are approximate and should be verified if important. Schedule your private showing today!

Highlights

Listed by Ayesha Albibi , 850-258-4194 Centergate Realty LLC , 850-764-3480. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.8

Year Built

1964

County

Bay

Area

02 - Bay County - Central

Neighborhood

No Named Subdivision

Listing ID

791841

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Main Level Primary, Separate Shower, Walk-In Closet(s), Entrance Foyer

Exterior Features

Lot:Paved
Lot Dimensions:100.0 ft x 233.0 ft
Zoning:Resid Single Family
Roof:Shingle
Others:
  • Additional:Patio
Principal Interest
$3,271
Taxes
$411

Home Price

$645,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$129,000
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:
$3,271.32

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,271.32 $411.19 $0.00 $3,682.51
Yearly $39,255.82 $4,934.25 $0.00 $44,190.07
Total $1,177,674.59 $148,027.50 $0.00 $1,325,702.09

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