Agent profile image in chat bubble
Agent profile image in chat header

Harrison Lilly

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

Agent profile image in message

9101 N Highway 231 , Panama City, FL 32404
$995,000
Est. Payment: $5,045.93/mo
4 Bed
5 Bath
5137 Sqft
Status: active | Days on site: 10
Get Pre-Qualified
VCR-C15903466 - VCR-C159091383,VCR-C159052275

By providing your number, you are expressly consenting, in writing, to receive telemarketing and other messages, including calls or texts at the number you provided above. This consent is not required to purchase any good or service. Message and data rates may apply. Text STOP to cancel.

This site is protected by reCAPTCHA and the GooglePrivacy Policy and Terms of Service apply.

Agent profile image
Harrison Lilly
Owner/Operator

House Description

The coast is close. The quiet is yours. Built like a storm shelter, finished like a custom home, and close to self-sufficient. 5,137 square feet on 5 private acres, reached by a long, paved driveway, a short drive from the beaches. Built stronger than the code requires: twice the wall studs, a hurricane tie on every roof truss. Owned solar: the monthly electric bill is just the FPL connection fee. Sole-source artesian well: cold, clear water from the ground, and even the outdoor spigots run cold and clear, with no water bill. 4 bedrooms and 4½ baths in slate, marble, hardwood, and custom tile. 12-foot ceilings, crown molding, hardwood through the living space, every closet cedar-lined. Steam shower, slate shower, clawfoot tub, jetted tub, wood-burning slate fireplace. Custom kitchen cabinets to the ceiling, dual-fuel range, upstairs wet bar and entertaining space, screen-enclosed saltwater pool. Two garden plots ready to plant and a pole barn with a concrete floor Space, privacy, the coast, and near-zero utilities, together at one address. Built once, by hand, and you wont find another.

Highlights

Listed by Charles Sowers , 850-851-8366 Realty One Group Emerald Coast , 850-238-8338. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
5

Year Built

2008

County

Bay

Area

04 - Bay County - North

Neighborhood

[No Recorded Subdiv]

Listing ID

792906

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:5
  • Full Bathrooms:4
  • 1/2 Bathrooms:1
Appliances:Bar Fridge, Electric Cooktop, Gas Cooktop, Gas Range
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:Gas
Other:
  • Additional:Main Level Primary

Exterior Features

Lot:Paved
Lot Dimensions:316x669
Roof:Composition,Shingle
Principal Interest
$5,046
Taxes
$634

Home Price

$995,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$199,000
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:
$5,045.93

Principal

Taxes

Principal Taxes HOA Total
Monthly $5,045.93 $634.31 $0.00 $5,680.24
Yearly $60,551.14 $7,611.75 $0.00 $68,162.89
Total $1,816,534.13 $228,352.50 $0.00 $2,044,886.63

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

6%

Never Miss a Property

Be the first to know when a property hits the market.

Current Listings

Last 30 Days
N/A
Aug 2026

Average Price

All Price Ranges
N/A
Aug 2026

Average Days on Market

All Price Ranges
N/A
Aug 2026
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