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Harrison Lilly Team

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

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6905 Hugh Dr , Panama City, FL 32404
$569,900
Est. Payment: $3,148.62/mo
3 Bed
2 Bath
2001 Sqft
0.6 Acres
Status: Active | Days on site: 163
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Harrison Lilly Team
Owner/Operator

House Description

***Seller is offering $10,000 toward buyer's closing costs, prepaid expenses, or other allowable buyer expenses with an acceptable offer. All concessions are subject to the terms of the purchase agreement and lender approval, if applicable.r*** Welcome to 6905 Hugh Drive, where modern luxury meets relaxed coastal living. Completely remodeled from the studs up in 2023, this stunning 3-bedroom, 2-bathroom waterfront home sits on nearly 0.6 acres with 100 feet of deep saltwater frontage on Callaway Bayou, offering direct access to East Bay, Shell Island, and the Gulf beyond. Whether you're an avid boater or simply looking for peaceful waterfront living, this property delivers the ultimate Florida lifestyle. Inside, you'll find a light-filled open floor plan with soaring 15-foot vaulted ceilings and luxury vinyl plank flooring throughout. The showstopping chef's kitchen features quartz countertops, stainless steel appliances, white shaker cabinetry, and an oversized center island, seamlessly flowing into the spacious living and dining areas--perfect for entertaining. This home was rebuilt with quality and peace of mind in mind and features all new systems in 2023, including HVAC, hot water heater, electrical wiring, sheetrock, and more. The exterior is equally impressive with a beautiful metal copper roof that adds both durability and timeless character. Step outside through French doors from the living room to a large covered back porch overlooking the bayou, ideal for relaxing or entertaining while enjoying breathtaking sunsets. The primary suite also features private French doors leading to its own deck, providing the perfect spot for morning coffee and serene waterfront views. For boating enthusiasts, the new private dock includes power (50 amp and 110 amp), water, and a boat lift. The property also includes a new privacy fence with a double gate and additional parking with 11' clearance for RV or boat storage. Offering peace, privacy, and endless waterfront adventure, this move-in-ready bayou-front home is just minutes from town while feeling like a private retreat. Schedule your private showing today and experience the beauty of 6905 Hugh Drive for yourself. All measurements are approximate. Information is believed to be accurate but should be verified by buyers if important.

Highlights

Listed by Jarah J Chesnut , 850-276-2326 Chesnut Realty, Inc , 850-276-2326. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.6

Year Built

1972

County

Bay

Area

02 - Bay County - Central

Neighborhood

No Named Subdivision

Listing ID

786841

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Electric Oven, Electric Range, Electric Water Heater
Air Cond:Central Air
Fireplaces:

Exterior Features

Lot Dimensions:103x321x100x318
Zoning:Resid Single Family
Roof:Metal
Others:
  • ▪ Additional:Boat Lift, Boat Slip, Covered Patio, Dock
Sewer:Public Sewer
Parking Features:Additional Parking,Garage,Garage Door Opener,Gravel,RV Access/Parking
Principal Interest
$3,149
Taxes
$409

Home Price

$569,900

Loan Details

30 yrs
7.374%

Down Payment

20%
$113,980
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:
$3,148.62

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,148.62 $408.92 $0.00 $3,557.53
Yearly $37,783.38 $4,907.00 $0.00 $42,690.38
Total $1,133,501.55 $147,210.00 $0.00 $1,280,711.55

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: 2026-10-07T08:26:25.000Z

© 2026 Bay County Association of REALTORS