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Harrison Lilly

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

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3515 W 19th Street #2 , Panama City, FL 32405
$229,000
Est. Payment: $1,161.44/mo
3 Bed
2 Bath
1376 Sqft
Status: active with contingency | Days on site: 114
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS Adorably updated, this beautifully updated townhouse combines modern style with comfortable everyday living near the heart of St. Andrews. Inside, you'll find fresh finishes, contemporary touches, and a warm fireplace that creates the perfect focal point for the living space. The flexible floor plan offers a downstairs bedroom and bath, an upstairs bedroom and bath, and an additional bonus space ideal for a guest area, office, or playroom. Even the elevated pavers for the driveway show the caliber of this home. This home lives with a wonderful sense of space, offering room to relax, work, and entertain while showcasing the many updates that give it a fresh, and move-in ready. Step outside to enjoy a completely updated and manicured backyard designed for low-maintenance living and maximum enjoyment. Whether you're hosting friends using the outside grilling/kitchen space, enjoying a quiet morning, or simply appreciating a beautifully curated outdoor space, this backyard delivers lifestyle as much as function. Located near St. Andrews, all the charm, energy, and lifestyle of this historic waterfront district are just moments away. Hop on your golf cart, take a walk, or ride your bike and enjoy the Florida sunshine as you head to favorite local spots like Uncle Ernie's, Hunt's Oyster Bar, and Finn's Island Style Grub. From dining and waterfront views to markets, festivals, and the many events and activities St. Andrews is known for, this location offers an incredible way of life. With its charming personality, versatile layout, thoughtful updates, and unbeatable setting, this townhouse is a standout opportunity.

Highlights

Listed by Heather Fox , 850-541-5774 Beachy Beach Real Estate , 850-532-6262. Bay County Association of REALTORS

Property Type

Condo/Townhome

Lot/Acreage
0.08

Year Built

1986

County

Bay

Area

02 - Bay County - Central

Neighborhood

No Named Subdivision

Listing ID

788051

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Electric Cooktop, Electric Oven
Air Cond:Central Air
Fireplaces:
Other:
  • Additional:Walk-In Closet(s)

Exterior Features

Lot:Paved
Lot Dimensions:24X140
Roof:Composition,Shingle
Others:
  • Additional:Barbecue
Sewer:Public Sewer
Principal Interest
$1,161
Taxes
$198

Home Price

$229,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$45,800
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:
$1,161.44

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,161.44 $197.83 $0.00 $1,359.28
Yearly $13,937.34 $2,374.00 $0.00 $16,311.34
Total $418,120.13 $71,220.00 $0.00 $489,340.13

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