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

1609 W 13th St , Panama City, FL 32401
$242,000
Est. Payment: $1,227.38/mo
3 Bed
2 Bath
1536 Sqft
Status: active | Days on site: 38
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

PRIME CORNER LOT • UPDATED SYSTEMS • INVESTOR FRIENDLY. Welcome to this exceptional corner-lot property ideally located just minutes from Historic St. Andrews, St. Andrews Bay, Downtown Panama City, shopping, dining, parks, and top-rated schools. Offering over 1,500 square feet of well-maintained living space, this move-in-ready home combines flexibility, location, and income-producing potential. Featuring two separate entrances, ample parking, and a versatile floor plan, the possibilities are endless for homeowners, investors, or those seeking additional space to customize. Recent improvements include a NEW A/C system, NEW water heater, remodeled kitchen, metal roof, and durable concrete block construction. The home's flexible layout offers opportunities for a home office, bonus room, guest space, or potential additional bedroom. Situated on a fully fenced corner lot, this property stands out as an excellent option for primary residence, vacation home, short-term rental, or long-term investment property. With no HOA restrictions and both short-term and long-term rentals allowed, this is a rare opportunity to maximize value in one of Panama City's most convenient locations. Whether you're searching for your next home or your next investment, this property offers the perfect combination of comfort, flexibility, and location. Don't miss your chance to own a property with unlimited potential just moments from the water, Historic St. Andrews, and everything Panama City has to offer!

Highlights

Listed by Danitza T Galetti , 850-276-5639 EXP Realty LLC , 888-883-8509. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.19

Year Built

1960

County

Bay

Area

02 - Bay County - Central

Neighborhood

Oakland Terrace Add

Listing ID

791436

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, Electric Range, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Main Level Primary, Workshop

Exterior Features

Lot:Paved
Lot Dimensions:117.0 ft x 73.0 ft
Roof:Metal
Sewer:Public Sewer
Principal Interest
$1,227
Taxes
$154

Home Price

$242,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$48,400
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:
$1,227.38

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,227.38 $154.28 $0.00 $1,381.65
Yearly $14,728.54 $1,851.30 $0.00 $16,579.84
Total $441,856.20 $55,539.00 $0.00 $497,395.20

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

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