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Harrison Lilly Team

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

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5108 Blue Harbor Dr , Panama City, FL 32404
$490,000
Est. Payment: $2,707.18/mo
3 Bed
3 Bath
2358 Sqft
Status: Active | Days on site: 10
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EKSR - E36562
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Harrison Lilly Team
Owner/Operator

House Description

DEEP-WATER ACCESS, BOAT LIFT & 16-FOOT-WIDE BOAT SLIP! Welcome to Paradise on Pitts Bayou, where you can spend your weekends on the boat instead of in the yard! With water deep enough for boats with up to a 6-foot draft, a 16-foot-wide boat slip with a boat lift, and a full-service marina just a quarter mile away, getting out on the water couldn't be easier. Inside, you'll find impressive 10-foot ceilings, recessed lighting, and a spacious, thoughtfully designed layout. The kitchen features wood cabinetry, granite countertops, and a large breakfast bar with seating for six. Just off the kitchen, a full-sized washer and dryer are tucked behind double doors with plenty of shelving for storage. The double garage is more than just parking, offering an outdoor shower, laundry sink, shelving, and generous counter space for tools, projects, and hobbies. A convenient half bath and sizable storage closet are also located nearby. The living area is truly the heart of the home, featuring upgraded lighting, soaring ceilings, and large glass sliding doors that open to an expansive covered porch. Take in the beautiful views of Pitts Bayou while enjoying your morning coffee, entertaining friends, or watching the sunset at the end of the day. Upstairs, the waterfront primary bedroom offers a private covered balcony and vaulted ceiling, along with a walk-in closet, soaking tub, and separate shower. Two additional spacious bedrooms and a full bathroom are located on the opposite side.

Highlights

Listed by Melany J Hathcock , 850-628-0253 Keller Williams Success Realty , 850-249-0313. Emerald Coast Multiple Listing Services

Property Type

Condo/Townhome

Year Built

1999

County

Bay

Area

27 - Bay County

Neighborhood

No Recorded Subdivision

Listing ID

1012202

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:1
Air Cond:Central Air
Fireplaces:

Exterior Features

Lot:Within 1/2 Mile to Water,Bayou
Zoning:Resid Multi-Family, Resid Single Family
Others:
  • ▪ Additional:Balcony, Boatlift, Dock, Patio Covered
Sewer:Public Sewer
Parking Features:Boat,Guest
Principal Interest
$2,707
Taxes
$484

Home Price

$490,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$98,000
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:
$2,707.18

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,707.18 $484.03 $0.00 $3,191.20
Yearly $32,486.15 $5,808.30 $0.00 $38,294.45
Total $974,584.59 $174,249.00 $0.00 $1,148,833.59

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 Emerald Coast Multiple Listing Services, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-10-07T06:31:40.000Z

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