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Harrison Lilly Team

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

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2904 Gallagher Dr , Panama City, FL 32405
$260,000
Est. Payment: $1,436.46/mo
3 Bed
2 Bath
1214 Sqft
0.23 Acres
Status: Active | Days on site: 114
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FSRE - B1717
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

***Pre-foreclosure / short-sale opportunity***Well-maintained 3 bedroom, 2 bathroom single-family home in the heart of Panama City, Florida. This move-in ready property offers a spacious layout with an oversized living area featuring a fireplace, a two-car garage, and a large fenced backyard with a storage shed. The home comes equipped with paid-off solar panels for reduced energy costs and custom hurricane shutters for added storm protection -- two high-demand features that provide long-term value and peace of mind. Major updates include a roof replaced in 2019 and a water heater approximately 3 to 4 years old. Conveniently located close to shopping, restaurants, and everyday amenities, with easy access to the beach approximately 15 minutes away. A solid, well-kept home with meaningful upgrades already in place -- ready for its next owner.
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Highlights

Listed by Robin A Lee , 850-974-8706 Florida Sales Realty , 850-974-8706. Bay County Association of REALTORS

Property Type

Residential
Lot/Acreage
0.23

Year Built

1987

County

Bay

Area

02 - Bay County - Central

 Neighborhood

No Named Subdivision

Listing ID

788764

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater
Air Cond:Central Air
Fireplaces:
Other:
  • ▪ Additional:Main Level Primary

Exterior Features

Lot:Paved
Lot Dimensions:105 x 95
Zoning:Resid Single Family
Roof:Composition,Shingle
Others:
  • ▪ Additional:Patio
Sewer:Public Sewer
Principal Interest
$1,436
Taxes
$346

Home Price

$260,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$52,000
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:
$1,436.46

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,436.46 $346.17 $0.00 $1,782.63
Yearly $17,237.55 $4,154.00 $0.00 $21,391.55
Total $517,126.52 $124,620.00 $0.00 $641,746.52

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