Agent profile image in chat bubble
Agent profile image in chat header

Harrison Lilly Team

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

Agent profile image in message

5314 Beach Dr Unit 5314 , Panama City, FL 32408
$430,000
Est. Payment: $2,375.69/mo
2 Bed
2 Bath
1007 Sqft
Status: Active | Days on site: 170
Get Pre-Qualified
BERR - TESTN
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.
Agent profile image
Harrison Lilly Team
Owner/Operator

House Description

Experience refined coastal living at 5314 Beach Dr, ideally situated just two blocks from the pristine sugar-white sands of Panama City Beach. Enjoy effortless access to the Gulf with a short stroll or leisurely golf cart ride, placing sun, sand, and sea at your fingertips. Set within a well-established neighborhood with no HOA, this residence offers comfort and convenience just moments from local dining, marinas, and the natural beauty of St. Andrews State Park. The public boat ramp is only 0.7 miles away! This thoughtfully designed 2-bedroom, 1.5-bath home features a desirable split-bedroom layout, creating separate spaces for privacy and retreat. The interiors are warm and inviting, highlighted by an elegantly updated kitchen with modern appliances, a light-filled living area designed for relaxation and entertaining, and the added benefit of being fully furnished for immediate enjoyment or rental readiness. Outdoors, the property truly shines with exceptional outdoor living spaces. A spacious covered patio with a beach bar, seating area, grilling space, and sand-filled lounging area creates the perfect atmosphere for hosting friends and family or relaxing after a day on the water. The fully fenced yard provides a private and secure retreat. Low-maintenance landscaping and ample parking complete the exterior appeal. Whether envisioned as a sophisticated primary residence, an exclusive coastal retreat, or a high-performing vacation rental, this property presents a compelling opportunity. Discover the essence of elevated beachside living--where comfort, style, and location converge.

Highlights

Listed by The YellowstoneTE , 843-297-0497 Lifes A Beach Real Estate, LLC , 850-249-9111. Bay County Association of REALTORS

Property Type

Condo/Townhome

Year Built

1994

County

Bay

Area

03 - Bay County - Beach

Neighborhood

No Named Subdivision

Listing ID

788890

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:1
  • ▪ 1/2 Bathrooms:1
Appliances:Electric Range, Electric Water Heater, Ice Maker
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Jetted Tub, Main Level Primary, Smart Thermostat, Walk-In Closet(s)

Exterior Features

Lot Dimensions:35x119
Zoning:Resid Single Family
Roof:Metal
Others:
  • ▪ Additional:Patio
Principal Interest
$2,376
Taxes
$181

Home Price

$430,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$86,000
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:
$2,375.69

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,375.69 $180.67 $0.00 $2,556.35
Yearly $28,508.26 $2,168.00 $0.00 $30,676.26
Total $855,247.70 $65,040.00 $0.00 $920,287.70

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

Never Miss a Property

Be the first to know when a property hits the market.

Current Listings

Last 30 Days
N/A
Oct 2026

Average Price

All Price Ranges
N/A
Oct 2026

Average Days on Market

All Price Ranges
N/A
Oct 2026
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