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Harrison Lilly Team

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

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4423 W Highway 98 , Panama City, FL 32401
$2,000,000
Est. Payment: $11,049.71/mo
1.68 Acres
Status: Active | Days on site: 3119
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BSGC - B3004
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

Pristine property located on beautiful St. Andrew's Bay in Panama City, FL. This property features 132 feet on St. Andrew Bay with a total of 1.67 acres. It is +/-1/2 mile east of the Hathaway Bridge, close to Port Panama City, Gulf Coast State College, Florida State University Panama City Campus, and Panama City Beach. In addition to St. Andrew's Bay, the property overlooks St. Andrew Bay, the Pass to the Gulf of Mexico and Shell Island. The property is zoned GC-2 General Commercial, allowing for multiple uses including, but not limited to, hotel/motel, multi-family, condominium, restaurant, retail, mixed-use, office, etc.
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Highlights

Listed by Chris S McCall , 850-814-9889 Counts Real Estate Group Inc , 850-249-3615. Bay County Association of REALTORS

Property Type

Vacant Land
Lot/Acreage
1.68

County

Bay

Area

02 - Bay County - Central

 Neighborhood

No Named Subdivision

Listing ID

665663

Questions about this listing?

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Interior Features

Exterior Features

Zoning:City, Commercial, General Commercial
Sewer:Public Sewer
Principal Interest
$11,050
Taxes
$1,275

Home Price

$2,000,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$400,000
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:
$11,049.71

Principal

Taxes

Principal Taxes HOA Total
Monthly $11,049.71 $1,275.00 $0.00 $12,324.71
Yearly $132,596.54 $15,300.00 $0.00 $147,896.54
Total $3,977,896.29 $459,000.00 $0.00 $4,436,896.29

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: 2026-10-07T08:07:44.000Z

© 2026 Bay County Association of REALTORS