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Harrison Lilly Team

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

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2309 Frankford Ave , Panama City, FL 32405
$1,199,000
Est. Payment: $6,624.30/mo
3555 Sqft
0.35 Acres
Status: Active | Days on site: 83
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SAVVY - B11880
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

2ea Office Buildings Furnished . $1,199,000 3,555 Total Sq.Ft. Seller Financing 5% DOWN & NET monthly mortgage payment $4399 Building#1 2309 Frankford Ave Panama City FL 32405 Brick Office Building built 1999, 1871sq.ft. Currently 5-yr Lease Income: $3500.00 monthly ($42,000.00yr) Leased to Pyne Law Firm Building #2 2104 W 23rd St. Panama City FL 32405 1684sq.ft. Brick Building, 5 offices, lobby, kitchen/break room, Men's & Women's bathrooms, Copier Room, Stock Room & Storage room, COVERED parking, rear entrance to lockable rear office, ideal for a Professional practice. Paved Parking Lot with ample parking on 15,246 Sq Ft Lot, High Traffic Count corner location at lighted intersection on main street thoroughfare. 2ea Street Signs permitted & installed. Also includes $5,000.00 Annual income for Digital Billboard on edge of property. MLS#786458 - 2309 Frankford Ave, Panama City, FL 32405 $1,199,000 ($337/SF) Owner Financing-5% down, 30yr Mortgage 7.95% APR NET monthly mortgage payment is $4399.mo (30-yr Mortgage Payment is $8318.mo offset by -$3500.mo Lease Income and -$416.mo Digital Billboard income) EXPENSES: FPL Florida Power & Light base charge only $39 monthly. Includes 11.5 KW Solar Panel Photovoltaic System reducing electrical costs to $39 monthly. Property Tax 2026 $421mo ($5056.yr) BOP Business Owners Policy $827.mo ($9,924.yr) Wifi/Internet $170.mo (included paid for the first year)
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Highlights

Listed by Moe Mossa , 888-490-1268 Savvy Avenue LLC , 888-490-1268. Bay County Association of REALTORS

Property Type

Commercial Sale
Lot/Acreage
0.35

Year Built

1996

County

Bay

Area

02 - Bay County - Central

 Neighborhood

No Named Subdivision

Listing ID

786458

Questions about this listing?

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Interior Features

Exterior Features
Principal Interest
$6,624
Taxes
$764

Home Price

$1,199,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$239,800
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:
$6,624.30

Principal

Taxes

Principal Taxes HOA Total
Monthly $6,624.30 $764.36 $0.00 $7,388.66
Yearly $79,491.63 $9,172.35 $0.00 $88,663.98
Total $2,384,748.83 $275,170.50 $0.00 $2,659,919.33

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: 2026-10-07T08:26:25.000Z

© 2026 Bay County Association of REALTORS