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Harrison Lilly Team

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

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721 Arrow St , Panama City, FL 32404
$310,000
Est. Payment: $1,712.71/mo
4 Bed
2 Bath
1745 Sqft
0.18 Acres
Status: Active | Days on site: 77
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BEN2 - B6150
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Harrison Lilly Team
Owner/Operator

House Description

Qualified buyers may receive up to $10,000 in seller concessions to be applied toward closing costs, prepaid expenses, and other allowable lender-approved costs with an acceptable offer. Completed in 2025, this attractive 4-bedroom, 2-bath home offers approximately 1,745 square feet of living area in the Parker area of Bay County. Built using Structural Concrete Insulated Panels (SCIP/ICF construction), the home is designed for strength, durability, energy efficiency, and a quieter interior environment than traditional wood-frame construction. The thoughtfully designed floor plan features an open living, dining, and kitchen area, creating a comfortable space for both everyday living and entertaining. The kitchen is finished with granite countertops, an island, pantry, and luxury vinyl plank flooring that continues throughout the home. The master bedroom suite (one of four bedrooms) includes a walk-in closet, double vanity, and separate shower, while a fourth bedroom provides flexibility for guests, a home office, or multigenerational living. Outside, the fully fenced backyard offers ample room for recreation, gardening, or pets. The home is conveniently located near schools, shopping, and major transportation routes. Additional features include public water and sewer, central electric heating and cooling, metal roofing, and a concrete driveway with parking for multiple vehicles. Overall, the property combines the benefits of nearly new construction, low-maintenance finishes, and innovative insulated concrete construction, making it an appealing option for buyers seeking a durable, energy-conscious home with modern amenities.

Highlights

Listed by Steve E Butler , 850-832-6434 ERA Neubauer Real Estate, Inc , 850-872-3434. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.18

Year Built

2025

County

Bay

Area

02 - Bay County - Central

Neighborhood

No Named Subdivision

Listing ID

792936

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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
Fireplaces:
Floor:Plank,Vinyl
Other:
  • ▪ Additional:Double Vanity, Walk-In Closet(s)

Exterior Features

Lot:Paved
Lot Dimensions:58.0 ft x 141.0 ft
Zoning:Resid Single Family
Roof:Metal
Sewer:Public Sewer
Principal Interest
$1,713
Taxes
$23

Home Price

$310,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$62,000
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:
$1,712.71

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,712.71 $23.20 $0.00 $1,735.90
Yearly $20,552.46 $278.39 $0.00 $20,830.85
Total $616,573.93 $8,351.70 $0.00 $624,925.63

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