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Harrison Lilly Team

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

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313 S Mary Ella Ave , Panama City, FL 32404
$399,900
Est. Payment: $2,209.39/mo
3 Bed
2 Bath
3006 Sqft
0.32 Acres
Status: Active Under Contract | Days on site: 199
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BSGC - B1554,B12249,B10585
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Harrison Lilly Team
Owner/Operator

House Description

CURRENTLY UNDER CONTRACT; SELLER WILL CONSIDER BACKUP OFFERS! Spacious 3-bedroom, 2-bath traditional ranch-style brick home offering approximately 3,006 sq. ft. of living space in the heart of Callaway. This well-designed home features a split floor plan with generous living areas and thoughtful details throughout. An additional room just off the garage provides flexibility and could easily serve as a 4th bedroom, home office, or bonus space to fit your needs. As you enter through the grand front entrance, you are welcomed by a formal dining room, perfect for hosting gatherings and special occasions. The kitchen is truly built for entertaining, offering ample counter space and a layout that flows seamlessly into the living areas. Just off the kitchen, you will find a breakfast area with built-in china and wine storage, offering both convenience and charm. This home offers the best of both worlds: a full breakfast area and a separate formal dining space. The primary suite is truly impressive, featuring a large main bedroom, a huge master bath, and a spacious walk-in closet located just off the bathroom. The split floor plan provides privacy for the additional bedrooms and guest areas. Additional features include a generous laundry room and an oversized garage with two main bays plus a third rear-access bay, perfect for a golf cart or extra storage. This classic Southern ranch-style brick home welcomes you with a wrap-around front porch, perfect for relaxing and enjoying the neighborhood. Step out back to the back porch, a great spot for winding down and enjoying quiet Florida evenings. The location is exceptional--just one street over from waterfront property and close to family-friendly parks, including Gore Park right around the corner. Located in the heart of Callaway and just minutes from Tyndall Air Force Base, the area has grown tremendously and now offers a variety of shops, restaurants, and everyday conveniences just around the corner. This home offers space, charm, and an incredible location all in one.

Highlights

Listed by Cherie Alexander , 850-960-1554 and Sue Ann Bontrager , 850-896-5531 Counts Real Estate Group Inc , 850-249-3615. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.32

Year Built

2005

County

Bay

Area

02 - Bay County - Central

Neighborhood

No Named Subdivision

Listing ID

786586

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Electric Oven, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:Gas
Other:
  • ▪ Additional:Double Vanity, Jetted Tub, Main Level Primary, Separate Shower, Walk-In Closet(s)

Exterior Features

Lot:Sprinkler System,Paved
Lot Dimensions:120 x 115
Zoning:Resid Multi-Family
Roof:Composition,Shingle
Others:
  • ▪ Additional:Covered Patio, Patio
Principal Interest
$2,209
Taxes
$343

Home Price

$399,900

Loan Details

30 yrs
7.374%

Down Payment

20%
$79,980
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:
$2,209.39

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,209.39 $342.50 $0.00 $2,551.89
Yearly $26,512.68 $4,110.00 $0.00 $30,622.68
Total $795,380.36 $123,300.00 $0.00 $918,680.36

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