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Harrison Lilly

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

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900 W Beach Dr , Panama City, FL 32401
$1,400,000
Est. Payment: $7,100.54/mo
4 Bed
4 Bath
4372 Sqft
Status: active | Days on site: 20
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

BIG BAY VIEWS. BIG BEACH DRIVE PRESENCE. AN ADDRESS PEOPLE KNOW. Positioned across from St. Andrews Bay in Panama City, Florida, 900 W Beach Drive brings Coastal New England-inspired character to a home designed for life on a larger scale. The big-picture appeal begins with a half-acre corner lot adjoining an alley, creating an even bigger sense of openness and separation along one of Panama City's most recognizable residential corridors. A huge screened patio frames panoramic views across St. Andrews Bay, while impact-rated windows carry those views into nearly every room. Inside, the scale reaches its peak with approximately 4,372 square feet and massive living spaces spread across two levels. Hardwood flooring continues through four upstairs bedrooms, two additional flex rooms, an office, an upstairs loft and living area, the main living space, and the kitchen. Two living areas, four full bathrooms, and multiple private flex spaces provide substantial room to live, work, host, and adapt. At the center of it all, the well-appointed kitchen features stainless steel appliances, granite countertops, an island, and bar seating. Beyond the biggest spaces, the smaller details matter just as much: ten-foot ceilings, crown molding, wireless motorized window treatments, extensive built-in storage, granite countertops in all four bathrooms, and three laundry connections, including one in the upstairs primary bathroom. Designer furniture is negotiable. From its broad bay views and generous proportions to its unmistakable position on West Beach Drive, this is a substantial residence with a presence that extends well beyond its walls. Downtown Panama City, local dining, shops, marinas, boatable waters, and the shoreline of St. Andrews Bay are all conveniently accessible. All information is deemed reliable but not guaranteed; buyer to verify if important.

Highlights

Listed by Sean P Casilli , 850-771-7731 and Alice de La Penha , 850-771-3150 Coldwell Banker Realty , 850-234-6696. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.48

Year Built

2021

County

Bay

Area

02 - Bay County - Central

Neighborhood

No Named Subdivision

Listing ID

793220

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:4
  • Full Bathrooms:4
Appliances:Electric Oven, Gas Range, Gas Water Heater, Water Softener Owned
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Double Vanity, Soaking Tub, Separate Shower, Smart Thermostat, Upper Level Primary

Exterior Features

Lot:Sprinkler System
Lot Dimensions:84.0 ft x 150.0 ft
Zoning:Resid Single Family
Roof:Shingle
Others:
  • Additional:Porch
Sewer:Public Sewer
Principal Interest
$7,101
Taxes
$893

Home Price

$1,400,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$280,000
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:
$7,100.54

Principal

Taxes

Principal Taxes HOA Total
Monthly $7,100.54 $892.50 $0.00 $7,993.04
Yearly $85,206.43 $10,710.00 $0.00 $95,916.43
Total $2,556,192.91 $321,300.00 $0.00 $2,877,492.91

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