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Harrison Lilly

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

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1611 Cincinnati Ave , Panama City, FL 32401
$347,500
Est. Payment: $1,762.27/mo
3 Bed
2 Bath
1320 Sqft
Status: active | Days on site: 29
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Rare opportunity in St. Andrews! This fully remodeled three-bedroom, two-bath home is being sold with a separate waterfront parcel on Lake Huntington, located approximately 300 feet from the residence. The list price includes both properties, and they must be sold together. The home features luxury vinyl plank flooring, recessed lighting, updated fixtures, and an easy flow between the living room, kitchen, and dining area. The remodeled kitchen offers white shaker-style cabinetry, solid-surface countertops, stainless steel appliances, a gas range, and an adjoining coffee or beverage station. The oversized primary suite includes a private bath and a large closet with a built-in organization system. Additional features include two guest bedrooms, an updated guest bath, a spacious laundry room with a folding counter and storage, updated windows, modern ceiling fans, and a tankless water heater. Outside, the large fenced lot provides a gated driveway, abundant parking for a boat or trailer, patio space, and an above-ground pool. The separate 0.064-acre waterfront parcel measures approximately 50 by 75 feet and offers roughly 50 feet of frontage on Lake Huntington. The waterway provides access toward St. Andrews Bay and creates a private setting for fishing, kayaking, watching the sunset, or potentially adding a dock or boat lift. No dock or boat lift is currently installed. Buyers should verify water depth, navigability, boundaries, and permitting requirements for their intended use. Short-term rental use is permitted at the residence, subject to obtaining all required licenses, registrations, and approvals. The home is also within walking distance of Historic St. Andrews, locally owned restaurants, waterfront parks, shopping, entertainment, and the St. Andrews Marina. This property offers a rare combination of a remodeled home, short-term rental potential, boat parking, a walkable St. Andrews location, and nearby privately owned waterfront. All measurements and information should be verified by the buyer if important.

Highlights

Listed by Raymond B Williams PA , 850-276-9023 Think Real Estate , 850-270-4200. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.21

Year Built

1941

County

Bay

Area

02 - Bay County - Central

Neighborhood

[No Recorded Subdiv]

Listing ID

792965

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Gas Cooktop, Gas Oven, Gas Range, Gas Water Heater, Tankless Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Main Level Primary, Tub Shower

Exterior Features

Lot:Paved
Lot Dimensions:66.0 ft x 140.0 ft
Zoning:City, Resid Single Family
Roof:Shingle
Sewer:Public Sewer

Open House

Upcoming Open Houses
Saturday 10:00 am - 12:00 pm Aug 22
Principal Interest
$1,762
Taxes
$233

Home Price

$347,500

Loan Details

30 yrs
6.528%

Down Payment

20%
$69,500
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:
$1,762.27

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,762.27 $232.66 $0.00 $1,994.93
Yearly $21,147.26 $2,791.95 $0.00 $23,939.21
Total $634,417.70 $83,758.50 $0.00 $718,176.20

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

6%

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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

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