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

1305 Ware Dr , Panama City, FL 32401
$324,999
Est. Payment: $1,648.16/mo
3 Bed
2 Bath
2032 Sqft
Status: active | Days on site: 39
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

Welcome to 1305 Ware Drive, a charming 3-bedroom, 1.5-bath home nestled in the heart of Historic St. Andrews in Panama City, Florida. Designed with both comfort and entertaining in mind, this home offers spacious living areas inside and out. Inside you will find an expansive family room/ flex space that can be a home office, large family room, or even an in home gym. Continue on to the main attraction, a chef's dream with quartz countertops and stainless steel appliances where you can cook with natural gas. The open flow to the living area and dining make this ideal for entertaining. Whether it's just a few friends or the whole family over during the holidays, the space is sure to please. Step outside to your private backyard retreat featuring a summer kitchen with natural gas grill, green egg and pergola which make for a functional and enjoyable setting for outdoor meals. The gas fire pit, spacious covered patio and 8' privacy fenced in backyard make this home perfect for hosting gatherings year-round. The generous outdoor space provides plenty of room to relax, dine, and enjoy Florida living at its best. A private well allows for you to water your lawn and plants at your leisure without breaking the bank. This highly sustainable, cost effective feature allows you to maintain a thriving landscape. Off of the primary suite and walk in closet you will find an opportunity to create your own dream ensuite. Already plumbed for vessel tub, large walk in shower, double vanity and water closet, the majority of fixtures have been purchased and are on site. French doors open up to a separate landing where you can enjoy a morning cup of coffee or wind down at the end of a long day. Freshly paved roads with new infrastructure including sewer, water and fire hydrant. Ideally located just minutes from St. Andrews Bay and downtown Panama City and a short drive to the world-renowned white sugar sand beaches, this home combines convenience, character, and a coastal lifestyle. Whether you're looking for a primary residence, vacation getaway, or investment opportunity, this property offers it all. Call today to schedule your showing! A few notable upgrades include complete re-roof in 2019 (post Hurricane Michael), and new tankless water heater (September 2025). Located in Flood Zone X. *Please note, the fireplace in formal living/dining area has an electric insert. Chimney and flu have been removed. **Buyer to verify all information and measurements, if important* ***Listing agent is related to seller.

Highlights

Listed by Brittany McLaughlin , 850-532-5778 and Natalie A Ryan , 850-960-1731 CENTURY 21 Ryan Realty Inc , 850-233-7926. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.23

Year Built

1954

County

Bay

Area

02 - Bay County - Central

Neighborhood

Oakland Terrace Add

Listing ID

788802

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:1
  • 1/2 Bathrooms:1
Appliances:Electric Oven, Gas Cooktop, Ice Maker, Tankless Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Floor:Concrete
Other:
  • Additional:Main Level Primary

Exterior Features

Lot:Cul-De-Sac,Paved
Lot Dimensions:76x127x70x132
Zoning:Resid Single Family
Roof:Composition,Shingle
Others:
  • Additional:Fire Pit
Sewer:Public Sewer
Principal Interest
$1,648
Taxes
$83

Home Price

$324,999

Loan Details

30 yrs
6.528%

Down Payment

20%
$65,000
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:
$1,648.16

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,648.16 $82.75 $0.00 $1,730.91
Yearly $19,777.95 $993.00 $0.00 $20,770.95
Total $593,338.47 $29,790.00 $0.00 $623,128.47

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