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Harrison Lilly

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

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2222 W 29th Plaza , Panama City, FL 32405
$639,000
Est. Payment: $3,240.89/mo
3 Bed
3 Bath
1581 Sqft
Status: active | Days on site: 147
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

**WATERFRONT — A Rare Investor's/Fisherman's Dream on Robinson Bayou** MOTIVATED SELLER, Discover an exceptional waterfront opportunity on the peaceful, scenic Robinson Bayou—where privacy, potential, and prime location come together. This 3-bedroom, 3-bath home with a bonus room and multifunctional den is tucked high and private at the quiet end of the channel, offering **119 feet of serene waterfront frontage** and the confidence of being **high and dry—not located in a flood zone**, eliminating the need for flood insurance. An **existing survey is already in place**, saving time and expense while adding immediate value for future planning or expansion. Situated on **over one acre**, this property presents a rare opportunity for those seeking space, flexibility, and long-term investment potential—including the option to **build a second home** for rental income, multigenerational living, or a private guest retreat. Inside, the home offers a flexible layout filled with character and opportunity. The inviting den can easily serve as a **mother-in-law suite** or income-producing space, featuring a private exterior entrance, full bathroom, additional washer and dryer hookups, a cozy fireplace, and a beautiful bay window overlooking the water. This versatile area is ideal for guests, extended family, a private workspace, or a rental scenario. Boaters and fishermen will appreciate being just **approximately nine minutes of idle time to open water**, granting easy access to the winding scenic channels and natural beauty of Panama City's waterways—truly a **Fisherman's Paradise**. Despite its tranquil setting, the home is conveniently located just **five minutes from Sam's Club, premier dining, shopping, and the rapidly expanding amenities along 23rd Street**, offering the perfect balance of serenity and accessibility. At this price point, you are securing **more value than a vacant waterfront lot**, with the added benefit of a livable home ready to enjoy, update, or reimagine. The seller is also including a **one-year home warranty** for added peace of mind. This is more than a home—it's a vision waiting to be realized. With unmatched potential, flexible living spaces, an existing survey, no flood insurance requirement, and a prime bayou-front location, opportunities like this are exceptionally rare. Now is the time to make this remarkable Robinson Bayou property your own.

Highlights

Listed by Sue Ann Bontrager , 850-896-5531 Counts Real Estate Group Inc , 850-249-3615. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
1.15

Year Built

1990

County

Bay

Area

02 - Bay County - Central

Neighborhood

No Named Subdivision

Listing ID

783055

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Electric Water Heater, Plumbed For Ice Maker
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Interior Steps

Exterior Features

Lot:Paved
Lot Dimensions:90x80 & 150x60 & 40x80 (3parcel in the entire)
Zoning:Resid Single Family
Others:
  • Additional:Boat Slip, Covered Patio, Rain Gutters
Sewer:Public Sewer
Principal Interest
$3,241
Taxes
$357

Home Price

$639,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$127,800
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:
$3,240.89

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,240.89 $356.83 $0.00 $3,597.72
Yearly $38,890.65 $4,282.00 $0.00 $43,172.65
Total $1,166,719.48 $128,460.00 $0.00 $1,295,179.48

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