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Harrison Lilly Team

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

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4012 Mary Louise Dr , Panama City, FL 32405
$465,000
Est. Payment: $2,569.06/mo
3 Bed
2 Bath
2076 Sqft
0.4 Acres
Status: Pending | Days on site: 150
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BHR1 - B0611,B11792,B1265
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Harrison Lilly Team
Owner/Operator

House Description

Assumable VA Loan!! 5.25% (VA ONLY) Welcome to this beautifully maintained all-brick home tucked away at the end of a quiet cul-de-sac in the desirable Northshore subdivision. Offering 3 bedrooms, 2 bathrooms, and a rare three-car garage, this property combines comfort, space, and functionality in a peaceful neighborhood setting. Situated on a spacious, well-manicured lot, the home is surrounded by lush landscaping and fruit trees, creating a private backyard retreat. Inside, you'll find an abundance of natural light, high ceilings, and an open-concept layout designed for both everyday living and entertaining. The kitchen features stainless steel appliances and flows seamlessly into the main living areas, while a second living space provides flexibility for family gatherings, holidays, or a cozy retreat. One of the standout features is the heated and cooled sunroom--perfect for enjoying your morning coffee or relaxing year-round while overlooking the backyard oasis. Step outside to your private pool, ideal for soaking up the Florida sunshine and entertaining guests. Additional highlights include an oversized driveway with plenty of room for boats or RVs, no HOA, and a location in Flood Zone X for added peace of mind. Major updates have already been taken care of, including a new roof in 2020, pool resurfaced in 2017, and updated windows installed in 2017. This home offers the perfect blend of indoor comfort and outdoor living--ideal as a primary residence or a place to gather and make lasting memories. A newer riding lawnmower will convey with a full price offer. All measurements and items of importance to be confirmed by buyer or buyer agent.

Highlights

Listed by Patrick D Pate , 850-381-7273 and Kay H Pate , 205-382-0647 Beach Haven Realty , 770-596-6599. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.4

Year Built

1993

County

Bay

Area

02 - Bay County - Central

Neighborhood

Northshore Phase I

Listing ID

789125

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Electric Cooktop, Electric Oven, Gas Water Heater
Air Cond:Central Air
Fireplaces:
Other:
  • ▪ Additional:Double Vanity, Main Level Primary, Walk-In Closet(s)

Exterior Features

Lot:Cul-De-Sac,Paved
Lot Dimensions:irregular
Zoning:Resid Single Family
Others:
  • ▪ Additional:Patio
Sewer:Public Sewer
Parking Features:Additional Parking,RV Access/Parking
Principal Interest
$2,569
Taxes
$296

Home Price

$465,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$93,000
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:
$2,569.06

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,569.06 $296.44 $0.00 $2,865.50
Yearly $30,828.70 $3,557.25 $0.00 $34,385.95
Total $924,860.89 $106,717.50 $0.00 $1,031,578.39

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 Bay County Association of REALTORS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-10-07T08:26:25.000Z

© 2026 Bay County Association of REALTORS