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Harrison Lilly Team

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

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7801 N Lagoon Dr , Panama City, FL 32408
$4,000,000
Est. Payment: $22,099.42/mo
2.52 Acres
Status: Active | Days on site: 27
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Harrison Lilly Team
Owner/Operator

House Description

THE CLOYSTER -- A RARE WATERFRONT DEVELOPMENT OPPORTUNITY ON NORTH LAGOON DRIVE! Positioned along the water in Panama City Beach, this boutique development is being offered slab-ready and ready to go vertical, providing an exceptional opportunity to bring an exclusive coastal community to life. The Cloyster consists of just 8 homesites -- 4 waterfront and 4 interior -- creating an intimate, private setting with tremendous appeal for both primary and vacation-home buyers. Each homesite is designed to feature its own private swimming pool and private boat slip, giving every future homeowner the waterfront lifestyle that makes Panama City Beach so desirable. Boaters will appreciate direct access to the Gulf of America, making days on the water, fishing, cruising, and sunset outings effortless. With the groundwork already in place and construction ready to move upward, The Cloyster presents a unique opportunity to complete a thoughtfully planned luxury boating community in one of PCB's most sought-after waterfront corridors. Eight residences, private pools, private boat slips, and Gulf access -- a combination that is increasingly difficult to find.

Highlights

Listed by Abbott Martin Group , 850-460-2900 and Natalie H Danburg , 850-896-8525 EXP Realty LLC , 850-460-2900. Bay County Association of REALTORS

Property Type

Vacant Land

Lot/Acreage
2.52

County

Bay

Area

03 - Bay County - Beach

Neighborhood

No Named Subdivision

Listing ID

796272

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Interior Features

Exterior Features

Lot Dimensions:55.0 ft x 550.0 ft
Sewer:Public Sewer
Principal Interest
$22,099
Taxes
$2,550

Home Price

$4,000,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$800,000
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:
$22,099.42

Principal

Taxes

Principal Taxes HOA Total
Monthly $22,099.42 $2,550.00 $0.00 $24,649.42
Yearly $265,193.09 $30,600.00 $0.00 $295,793.09
Total $7,955,792.58 $918,000.00 $0.00 $8,873,792.58

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: 2026-10-07T03:46:57.000Z

© 2026 Bay County Association of REALTORS