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Harrison Lilly Team

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

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3112 W Highway 98 , Panama City, FL 32401
$819,000
Est. Payment: $4,524.86/mo
1.67 Acres
Status: Active | Days on site: 7
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BNTA - B12376
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

3112 W Hwy 98 is a ±1.67 acre commercial corner site in the St. Andrews area of Panama City. The property takes up most of its block, with ±173 feet on US Highway 98 and frontage on W 18th Street, Cincinnati Avenue and Bayview Avenue, giving a buyer several options for access and site layout. The property sits ±1 mile east of the Hathaway Bridge, near St. Andrew Bay, and is convenient to Port Panama City, Gulf Coast State College, FSU Panama City and Panama City Beach. Neighborhood General (NG) zoning supports walkable commercial, residential and mixed-use development, making the site a fit for a wide range of users. 42,000 FDOT AADT. A ±0.11 acre parcel across the street at 3106 W 18th Street is also available, on its own for $61,000 or with the main site for a package price of $869,000.
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Highlights

Listed by Anderson J Brooks , 850-890-2384 NAI TALCOR , 850-249-2879. Bay County Association of REALTORS

Property Type

Vacant Land
Lot/Acreage
1.67

County

Bay

Area

02 - Bay County - Central

 Neighborhood

No Named Subdivision

Listing ID

796081

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Interior Features

Exterior Features
Principal Interest
$4,525
Taxes
$522

Home Price

$819,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$163,800
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:
$4,524.86

Principal

Taxes

Principal Taxes HOA Total
Monthly $4,524.86 $522.11 $0.00 $5,046.97
Yearly $54,298.28 $6,265.35 $0.00 $60,563.63
Total $1,628,948.53 $187,960.50 $0.00 $1,816,909.03

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: 2026-10-07T05:07:46.000Z

© 2026 Bay County Association of REALTORS