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Harrison Lilly Team

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

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8821 Laird St , Panama City, FL 32408
$400,000
Est. Payment: $2,209.94/mo
3 Bed
2 Bath
1615 Sqft
0.21 Acres
Status: Pending | Days on site: 2
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Harrison Lilly Team
Owner/Operator

House Description

Location is a standout feature of this Panama City Beach home, ideally situated on the East End near the sugar-white sands and emerald waters of the Gulf of Mexico. This 3-bedroom, 2-bath home features a 2-car garage, fenced backyard, screened porch and outdoor patio and pergola, all just minutes from the beach, dining, shopping and some of the area's most popular attractions. Inside, granite countertops, stainless steel appliances and wood-look tile flooring create an inviting setting for everyday living. The primary suite includes a walk-in closet, while the screened porch and backyard patio offer additional space to relax, grill or gather after a day at the beach. The surrounding area offers plenty to explore. Nearby St. Andrews State Park is a favorite for swimming, snorkeling, kayaking, fishing and enjoying beautiful stretches of shoreline along both the Gulf and Grand Lagoon. Spend a day exploring Shell Island, known for its clear water, natural beaches and wildlife, or take advantage of the many boating and fishing opportunities throughout the Grand Lagoon area. Local marinas, fishing charters, dolphin tours, waterfront restaurants and water activities are all nearby. Panama City Beach also offers an abundance of restaurants, shopping, miniature golf, family attractions and entertainment, making it easy to enjoy a different adventure every day. With no HOA and short-term rentals allowed, this property offers flexibility as a primary residence, beach getaway or investment opportunity in a convenient Panama City Beach location.

Highlights

Listed by The Wheeler Sauls Collective , 850-527-2275 Salty Marlin Realty LLC , 850-615-2406. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.21

Year Built

2016

County

Bay

Area

03 - Bay County - Beach

Neighborhood

No Named Subdivision

Listing ID

795293

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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,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Double Vanity, Main Level Primary, Walk-In Closet(s)

Exterior Features

Lot:Paved
Lot Dimensions:65.0 ft x 147.0 ft
Zoning:Resid Single Family
Roof:Metal
Others:
  • ▪ Additional:Patio, Porch, Rain Gutters
Sewer:Public Sewer
Principal Interest
$2,210
Taxes
$383

Home Price

$400,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$80,000
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:
$2,209.94

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,209.94 $383.36 $0.00 $2,593.30
Yearly $26,519.31 $4,600.33 $0.00 $31,119.64
Total $795,579.26 $138,009.90 $0.00 $933,589.16

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: 2026-10-07T08:07:44.000Z

© 2026 Bay County Association of REALTORS