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Harrison Lilly

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

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5423 Bertha Nelson Rd , Panama City, FL 32404
$395,000
Est. Payment: $2,003.37/mo
3 Bed
3 Bath
2512 Sqft
Status: active | Days on site: 55
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to this spacious 3-bedroom, 3-bath property offering over 2,500 square feet great living space, complete with two bonus rooms, two separate family rooms, and the freedom of no deed restrictions. Conveniently located outside the hustle and bustle, this home offers peaceful living while still keeping you close to great schools, shopping, and Deer Point Lake. Inside, you'll find a fresh neutral palette, luxury vinyl plank flooring, refreshed countertops, updated sheetrock, and interior paint, all completed in 2023. The main living area features vaulted ceilings with exposed wood beams, creating a warm and inviting space that connects beautifully to a cozy dining nook and a generous kitchen with modern touches. A second family room provides even more room to relax, entertain, or gather with family and friends. The oversized primary suite offers a private bath and an attached sitting room, perfect for a glam room, reading nook, nursery, or peaceful retreat. Two additional bedrooms and two full bathrooms provide comfortable space for family or guests, while the two versatile bonus rooms are ideal for a home office, playroom, exercise room, hobby space, or guest suite. Outside, the large fenced-in yard offers space to play, room to grow, and endless possibilities. Enjoy a flat lot with a pole barn, covered patio, carport, and plenty of room to park your RV, boat, or other toys. With generous indoor living areas, flexible bonus spaces, outdoor storage, and a convenient location away from the busyness of town, this property is ready to fit a variety of lifestyles.

Highlights

Listed by Heather Fox , 850-541-5774 Beachy Beach Real Estate , 850-532-6262. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.69

Year Built

1989

County

Bay

Area

04 - Bay County - North

Neighborhood

[No Recorded Subdiv]

Listing ID

791164

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Electric Cooktop, Electric Range, Electric Water Heater
Air Cond:Central Air
Fireplaces:

Exterior Features

Lot Dimensions:118 X 201
Principal Interest
$2,003
Taxes
$300

Home Price

$395,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$79,000
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:
$2,003.37

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,003.37 $299.83 $0.00 $2,303.20
Yearly $24,040.39 $3,598.00 $0.00 $27,638.39
Total $721,211.57 $107,940.00 $0.00 $829,151.57

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