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Harrison Lilly Team

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

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821 S Gay Ave , Panama City, FL 32404
$227,000
Est. Payment: $1,254.14/mo
3 Bed
1 Bath
1125 Sqft
0.21 Acres
Status: Active | Days on site: 16
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FSRL - B4876,B0399
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from Harrison Lilly Team, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
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Harrison Lilly Team
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House Description

If you are looking for a home that is convenient to most everything, including swimming and fishing, take a look at this place. There are restaurants, stores and parks close by. You can drive to Tyndall Air Force Base within a few minutes. If you want more space, there are two vacant lots available for purchase on either side of the property with rich soil if you want a garden, or plenty of room to expand.
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Highlights

Listed by Michael Dunnigan , 850-276-4876 and Ashley Dunnigan , 850-527-9744 Coastal Choice Realty LLC , 850-215-4160. Bay County Association of REALTORS

Property Type

Residential
Lot/Acreage
0.21

Year Built

2019

County

Bay

Area

02 - Bay County - Central

 Neighborhood

Pitts 1st Addto Parker

Listing ID

794946

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:1
  • ▪ Full Bathrooms:1
Appliances:Electric Oven, Electric Range, Electric Water Heater, Ice Maker
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Main Level Primary, Tub Shower

Exterior Features

Lot:Paved
Lot Dimensions:74 X 123
Zoning:Resid Single Family
Roof:Composition,Shingle
Sewer:Public Sewer
Parking Features:Unpaved
Principal Interest
$1,254
Taxes
$19

Home Price

$227,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$45,400
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:
$1,254.14

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,254.14 $18.58 $0.00 $1,272.72
Yearly $15,049.71 $222.90 $0.00 $15,272.61
Total $451,491.23 $6,687.00 $0.00 $458,178.23

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: 2026-10-07T08:07:44.000Z

© 2026 Bay County Association of REALTORS