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Harrison Lilly Team

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

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5541 Highway 2297 , Panama City, FL 32404
$399,900
Est. Payment: $2,209.39/mo
3 Bed
2 Bath
1512 Sqft
1.75 Acres
Status: Active | Days on site: 1
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BKWE - B11159
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Harrison Lilly Team
Owner/Operator

House Description

COUNTRY LIVING MEETS EAST BAY VIEWS! Built in 2020 and perfectly situated on 1.75 acres with NO HOA, this beautiful home offers the space, privacy, and flexibility you've been looking for. Enjoy breathtaking sunsets over East Bay from the expansive full front porch, creating the perfect spot to unwind at the end of the day. Inside, the thoughtfully designed split-bedroom floor plan provides both comfort and privacy. The kitchen features stainless steel appliances, a gas range/oven, and plenty of workspace for everyday living and entertaining. The home is also equipped for a whole-house generator hook up, offering added peace of mind. Outdoor enthusiasts will appreciate the 10-foot deeded water access to the Bay, providing an incredible opportunity to enjoy the water just beyond your doorstep. Additional property improvements include a new deep well installed in 2020, new septic system installed in 2024, and a tankless water heater. And then there's the approximately 23' x 60' pole barn a truly versatile bonus space ready to become whatever you need it to be. Use it for animals, a workshop, equipment, hobbies, or bring your own vision to life. With a newer 2020 construction, acreage, Bay access, stunning sunset views, no HOA, and an impressive amount of additional storage and workspace, this property offers a rare combination of privacy, functionality, and the laid-back Florida lifestyle. Also it is within .5 miles to Eastern Ship Building.

Highlights

Listed by Heather A Cole , 850-494-8888 Keller Williams Realty Emerald Coast , 850-654-2900. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
1.75

Year Built

2020

County

Bay

Area

05 - Bay County - East

Neighborhood

No Named Subdivision

Listing ID

795820

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Gas Range, Tankless Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Floor:Plank,Vinyl
Other:
  • ▪ Additional:Main Level Primary, Shower Only

Exterior Features

Lot Dimensions:250 x 340
Zoning:Resid Single Family
Roof:Composition,Shingle
Principal Interest
$2,209
Taxes
$266

Home Price

$399,900

Loan Details

30 yrs
7.374%

Down Payment

20%
$79,980
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:
$2,209.39

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,209.39 $265.96 $0.00 $2,475.35
Yearly $26,512.68 $3,191.49 $0.00 $29,704.17
Total $795,380.36 $95,744.70 $0.00 $891,125.06

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: 2026-10-07T14:28:03.000Z

© 2026 Bay County Association of REALTORS