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Harrison Lilly

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

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731 Sheffield Ave , Panama City, FL 32401
$309,000
Est. Payment: $1,567.19/mo
3 Bed
2 Bath
1500 Sqft
Status: active | Days on site: 78
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Seller Credit & Preferred Lender Incentives! Seller and preferred lender credits will cover all buyer closing costs, plus receive a move-in blinds package, making this one of the best values in today's market. New Construction | No HOA | Premium Finishes | Oversized Fenced Lot | Built by a Premier Local Builder If you've been searching for a home that looks like it belongs on HGTV, this is it. This brand-new, professionally designed home combines luxury finishes, exceptional craftsmanship, and thoughtful upgrades rarely found at this price point. Built by one of the area's premier local builders, every detail has been carefully selected to deliver lasting quality, style, and everyday functionality. From the inviting covered front porch with stained tongue-and-groove ceilings to the stunning cathedral ceiling and custom tongue-and-groove feature wall in the great room, this home makes an unforgettable first impression. Nine-foot ceilings throughout create a bright, open layout filled with natural light. The designer kitchen is the centerpiece of the home and offers everything today's buyers are searching for, including ceiling-height soft-close cabinetry with decorative glass accents, quartz countertops, a custom designer backsplash, oversized center island, upgraded stainless steel appliance package, deep single-basin sink with push-button garbage disposal, elegant gold hardware, and a spacious walk-in pantry. The luxurious primary suite is designed as a private retreat, featuring a beautiful stained tongue-and-groove tray ceiling, oversized walk-in closet, spa-inspired tiled shower, and an impressive nine-foot double vanity with quartz countertops and additional storage. Everyday convenience is built into the design with a spacious laundry room, generously sized secondary bedrooms, and a functional mudroom with built-in storage leading to the garage. The oversized garage features an epoxy-coated floor and a smart garage door system that can be controlled by smartphone or keypad. Built for long-term durability and energy efficiency, this home includes engineered roof trusses, an approximately 98% brick exterior for low-maintenance living, professional landscaping, a lawn irrigation system, covered rear patio, and a fully fenced oversized backyard with an 8-foot privacy fence--perfect for entertaining, pets, or relaxing outdoors. This move-in-ready home offers the perfect combination of luxury, quality construction, modern design, and unbeatable buyer incentives. Conveniently located near shopping, dining, schools, parks, and major commuter routes, this is an incredible opportunity for buyers seeking a primary residence, second home, or long-term investment. Schedule your private showing today and experience the quality and craftsmanship that truly set this home apart.

Highlights

Listed by Kristina L Briscoe , 850-960-8426 Keller Williams Success Realty , 850-249-0313. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.18

Year Built

2026

County

Bay

Area

02 - Bay County - Central

Neighborhood

No Named Subdivision

Listing ID

790718

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Electric Range, Ice Maker, Tankless Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Double Vanity, Walk-In Closet(s), Mud Room, Pantry

Exterior Features

Lot:Sprinkler System
Lot Dimensions:55 X 142.5
Zoning:Resid Single Family
Roof:Shingle
Sewer:Public Sewer
Parking Features:Garage,Garage Door Opener,Paved
Principal Interest
$1,567
Taxes
$37

Home Price

$309,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$61,800
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:
$1,567.19

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,567.19 $36.67 $0.00 $1,603.86
Yearly $18,806.28 $440.00 $0.00 $19,246.28
Total $564,188.29 $13,200.00 $0.00 $577,388.29

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