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Harrison Lilly

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

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5116 Blue Harbor Dr , Panama City, FL 32404
$440,000
Est. Payment: $2,231.60/mo
3 Bed
3 Bath
2355 Sqft
Status: active | Days on site: 133
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Experience the ultimate coastal lifestyle in this stunning end-unit townhome, where breathtaking bayou views and premium amenities create the perfect Florida haven. This two-story gem boasts a private boat slip and a spacious backyard, offering a seamless blend of comfort and waterfront charm. The light-filled interior features updated flooring, a cozy fireplace, and an expansive open layout designed for entertaining, complete with a convenient downstairs half bath. Upstairs, the massive waterfront primary suite serves as a true retreat, featuring a private balcony for soaking in serene sunsets, a huge walk-in closet, and an ensuite with his-and-hers vanities, a jacuzzi tub, and a separate walk-in shower. Practicality meets peace of mind with a two-car garage, storm shutters, and a 2019 metal roof. Perfectly situated just minutes from Tyndall AFB, shopping, and dockside dining--some even accessible by boat--this home is an unbeatable find for year-round living or a weekend escape. Tour today!

Highlights

Listed by Porcha Cooper , 210-214-7750 Redfin Corporation , 813-334-4966. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

215 Monthly

Year Built

2000

County

Bay

Area

02 - Bay County - Central

Neighborhood

No Named Subdivision

Listing ID

787303

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Electric Range, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:Gas
Other:
  • Additional:Double Vanity, Interior Steps, Jetted Tub, Separate Shower, Upper Level Primary, Walk-In Closet(s)

Exterior Features

Lot:Sprinkler System,Paved
Lot Dimensions:31 x 159 x 30 x 156
Zoning:Resid Single Family
Roof:Metal
Others:
  • Additional:Boat Slip, Covered Patio, Dock
Sewer:Public Sewer
Parking Features:Garage,Garage Door Opener
Principal Interest
$2,232
Taxes
$478
HOA
$215

Home Price

$440,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$88,000
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:
$2,231.60

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,231.60 $477.75 $215.00 $2,924.35
Yearly $26,779.16 $5,733.00 $2,580.00 $35,092.16
Total $803,374.91 $171,990.00 $77,400.00 $1,052,764.91

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