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Harrison Lilly Team

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

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3021 Osprey Cir , Panama City, FL 32405
$599,000
Est. Payment: $3,309.39/mo
4 Bed
3 Bath
2741 Sqft
0.19 Acres
Status: Active | Days on site: 0
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TRE1 - B10656
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Harrison Lilly Team
Owner/Operator

House Description

Welcome to 3021 Osprey Circle, a beautifully maintained home located in one of Lynn Haven's premier subdivisions--an upscale, quiet community where homes rarely become available. Ideally situated in a prime Lynn Haven location, this property offers the combination of neighborhood quality, privacy, thoughtful upgrades, and resort-style outdoor living that is increasingly difficult to find. Built in 2015, the home features a number of updates and improvements designed for both comfort and convenience. The HVAC system was replaced in 2020, the roof was replaced following Hurricane Michael, and the living room and primary bedroom have been freshly painted. A tankless water heater provides efficient on-demand hot water, while a gas fireplace adds warmth and character to the living space. The heart of the outdoor experience is the saltwater swimming pool, installed in 2019 by Panama Pool and Spa. The pool features an in-floor cleaning system, wireless pool equipment, and an outdoor shower--creating a private backyard retreat ideal for relaxing or entertaining. A permanent wireless exterior lighting system by Invisilights adds another level of ambiance and usability after dark. Additional exterior improvements include a French drain system and sump pump designed to assist with drainage, as well as an irrigation/sprinkler system. The garage is equipped with a 30-amp electrical hookup suitable for a camper. A security system conveys with the home, and the washer and dryer are included as well. The property also features a distinctive custom front door crafted with local woodwork by a local artist, adding a one-of-a-kind touch to the home's entrance. Served by Lynn Haven utilities and located in a highly desirable area, 3021 Osprey Circle offers an exceptional opportunity to own a well-appointed home in a sought-after neighborhood where properties seldom come available.

Highlights

Listed by Matt W Wright , 850-227-8276 Think Real Estate , 850-270-4200. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.19

HOA Fee

330 Annually

Year Built

2015

County

Bay

Area

02 - Bay County - Central

Neighborhood

Osprey Cove

Listing ID

796318

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Electric Oven, Tankless Water Heater
Other:
  • ▪ Additional:Main Level Primary, Walk-In Pantry

Exterior Features

Lot:Sprinkler System,Paved
Lot Dimensions:37.0 ft x 139.0 ft
Zoning:City, Resid Single Family
Roof:Composition,Shingle
Others:
  • ▪ Additional:Outdoor Shower
Principal Interest
$3,309
Taxes
$407
HOA
$330

Home Price

$599,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$119,800
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:
$3,309.39

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,309.39 $406.70 $330.00 $4,046.09
Yearly $39,712.66 $4,880.36 $3,960.00 $48,553.02
Total $1,191,379.94 $146,410.80 $118,800.00 $1,456,590.74

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: 2026-10-07T03:46:57.000Z

© 2026 Bay County Association of REALTORS