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Harrison Lilly

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

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5517 Whitfield Rd , Panama City, FL 32404
$359,000
Est. Payment: $1,820.78/mo
4 Bed
2 Bath
1856 Sqft
Status: active | Days on site: 23
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Country Living Awaits on 1.2 Acres in Panama City! Looking for room to breathe? This spacious 4 bedroom, 2 bath ranch home offers 1,856 square feet of living space, set on 1.2 acres in the middle of a dead-end street. It's the peaceful, rural setting buyers are searching for, while still keeping you an easy drive from everything Panama City has to offer. Grab a cup of coffee and settle into a rocking chair on the front porch -- it's the kind of spot you'll actually use. Step inside to a bright, open living space with vaulted ceilings and a cozy stacked-stone fireplace that anchors the room, with warm wood-look flooring flowing throughout the main living areas. The kitchen is a real showstopper with it's rich wood cabinetry, spacious counters, stainless steel appliances, a breakfast bar, and an eat-in dining area, giving you plenty of room to cook, gather, and hang out. The spacious primary suite offers a tray ceiling and a private, spa-like bath with a jetted garden tub, separate tiled walk-in shower, and dual-sink vanity - perfect for soaking away the day. Three additional bedrooms provide flexibility for family, guests, or a home office, plus a second full bath to round things out. Out back, unwind on the large screened-in porch overlooking the expansive backyard -- ideal for entertaining, relaxing, or just enjoying the space and privacy this lot provides. A storage shed conveys with the property for extra storage. Major systems are already taken care of -- the roof was replaced in December 2018, and a high-efficiency heat pump was installed in 2023, giving buyers peace of mind and one less thing to worry about. With its rural setting, generous acreage, and move-in ready interior, this home is a rare find. Come see it for yourself -- schedule your private showing today! 1,856 SF | 4 Bed | 2 Bath | 1.2 Acres | Screened Porch | Dead-End Street | Roof 2018 | HVAC 2023

Highlights

Listed by Ronald Wilson , 850-814-5743 and Bruce T Mackay , 850-209-9534 ERA Neubauer Real Estate Inc , 850-785-1551. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
1.2

Year Built

2007

County

Bay

Area

04 - Bay County - North

Neighborhood

No Named Subdivision

Listing ID

792869

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Electric Range, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s),Heat Pump
Fireplaces:
Other:
  • Additional:Double Vanity, Jetted Tub, Main Level Primary, Separate Shower, Walk-In Closet(s), Storage, Utility Room

Exterior Features

Lot:Paved
Lot Dimensions:196.0 ft x 250.0 ft
Zoning:Resid Single Family
Roof:Composition,Shingle
Others:
  • Additional:Patio, Porch, Rain Gutters
Parking Features:Gated
Principal Interest
$1,821
Taxes
$113

Home Price

$359,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$71,800
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:
$1,820.78

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,820.78 $112.79 $0.00 $1,933.57
Yearly $21,849.36 $1,353.44 $0.00 $23,202.80
Total $655,480.90 $40,603.20 $0.00 $696,084.10

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