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Harrison Lilly

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

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3911 E 11th St , Panama City, FL 32404
$439,000
Est. Payment: $2,226.53/mo
5 Bed
5 Bath
8104 Sqft
Status: active with contingency | Days on site: 111
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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' Unique opportunity to own a versatile property in the heart of Springfield offering residential living, income potential, and future possibilities. Currently utilized as a single-family residence and classified as such by the Bay County Property Appraiser, this expansive property features approximately 8,000 square feet under roof, including multiple living areas, flexible-use space, and a large indoor workshop. The property currently includes two separate living quarters, making it ideal for multi-generational living, rental income opportunities, or a variety of personal and business uses. An additional flex space and large indoor workshop provide even more versatility. With its existing layout and previous use, there may be potential for additional living units, creating attractive income-producing opportunities for the next owner (buyer to verify). One of the standout features of this property is the solar panel system, which conveys with the sale and helps keep utility costs remarkably low. The owner reports average electric bills of approximately $40 per month for heating and cooling the entire property, providing exceptional long-term savings for a structure of this size. According to the City of Springfield, the property is designated General Commercial on the City's Future Land Use Map. The City utilizes Future Land Use designations rather than traditional zoning. While the property is currently classified and taxed as a single-family residence based on its present use, the General Commercial Future Land Use designation may allow for a variety of future commercial and multi-family uses, subject to City approval, permitting requirements, inspections, and compliance with applicable building codes. Additional peace of mind comes from the roof replacement completed in 2019, which was upgraded to current code standards and includes High Temp Fire & Ice underlayment. Conveniently located near shopping, restaurants, schools, medical facilities, Tyndall Air Force Base, and major transportation routes, this property offers a rare combination of size, flexibility, energy efficiency, and future potential in a growing area. Whether you're looking for a multi-generational estate, an income-producing property, or a unique live/work opportunity, 3911 E. 11th Street presents possibilities that are difficult to find elsewhere. Schedule your private showing today and discover everything this exceptional property has to offer.

Highlights

Listed by Jimmy Lashley , 850-653-5868 Anchor Realty Florida , 850-899-7999. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.78

Year Built

1975

County

Bay

Area

02 - Bay County - Central

Neighborhood

No Named Subdivision

Listing ID

789143

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:5
  • Bathrooms:5
  • Full Bathrooms:4
  • 1/2 Bathrooms:1
Air Cond:Central Air,Ductless,Varies by Unit,Window Unit(s)
Fireplaces:
Floor:Concrete

Exterior Features

Lot:Paved
Lot Dimensions:198x171
Zoning:City, Commercial, Resid Multi-Family, Resid Single Family
Sewer:Public Sewer
Parking Features:Additional Parking
Principal Interest
$2,227
Taxes
$270

Home Price

$439,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$87,800
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:
$2,226.53

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,226.53 $270.00 $0.00 $2,496.53
Yearly $26,718.30 $3,240.00 $0.00 $29,958.30
Total $801,549.06 $97,200.00 $0.00 $898,749.06

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

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