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Harrison Lilly

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

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2445 Pretty Bayou Boulevard , Panama City, FL 32405
$699,000
Est. Payment: $3,545.20/mo
5 Bed
2 Bath
2750 Sqft
Status: active with contingency | Days on site: 60
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

''CURRENTLY UNDER CONTRACT, SELLER ACCEPTING BACKUP OFFERS'' This is an exceptional WATERFRONT opportunity with a 2.25% ASSUMABLE interest rate where luxury, comfort, and coastal lifestyle come together seamlessly. Boasting nearly 2,800 square feet, this beautiful residence offers 5 spacious bedrooms plus a versatile bonus room, perfect for a private office, playroom, media space, or additional guest accommodations. Ideally situated in Pretty Bayou on a canal with direct, QUICK access to the Gulf, this home is a true paradise for boating enthusiasts. Step outside to your backyard where your boat is always within reach and enjoy the rare convenience of a 500-GALLON private gas tank, allowing you to fuel up effortlessly and spend more time on the water! Inside, the home features an expansive, light-filled layout designed with both elegance and functionality in mind. Generous living spaces create the perfect setting for entertaining, while well-appointed bedrooms offer comfort and privacy for family and guests. The bonus room adds an extra layer of flexibility to fit your lifestyle needs. Whether you're enjoying peaceful mornings overlooking the water or hosting sunset gatherings, this home delivers an elevated coastal experience at every turn. Now vacant and ready for immediate occupancy, this is a RARE opportunity to own a move-in-ready waterfront property with premium features and unbeatable Gulf access. Sellers are currently offering a $10,000 BUYER CREDIT. Schedule your showing today!

Highlights

Listed by Nicolle M Cable , 850-624-1242 Corcoran Reverie , 850-231-5030. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.28

Year Built

1978

County

Bay

Area

02 - Bay County - Central

Neighborhood

Pretty Bayou 2nd

Listing ID

787780

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:5
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Convection Oven, Electric Cooktop, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Main Level Primary, Shower Only, Walk-In Closet(s)

Exterior Features

Lot:Sprinkler System
Lot Dimensions:135x153x60x107
Roof:Shingle
Others:
  • Additional:Boat Slip, Dock, Patio, Rain Gutters
Parking Features:Garage,Garage Door Opener
Principal Interest
$3,545
Taxes
$446

Home Price

$699,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$139,800
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:
$3,545.20

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,545.20 $445.61 $0.00 $3,990.81
Yearly $42,542.35 $5,347.35 $0.00 $47,889.70
Total $1,276,270.60 $160,420.50 $0.00 $1,436,691.10

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

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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: 2026-08-20T06:33:19.000Z

© 2026 Bay County Association of REALTORS