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Harrison Lilly

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

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4100 Marriott Dr Unit 412 , Panama City, FL 32408
$649,000
Est. Payment: $3,291.26/mo
3 Bed
3 Bath
2099 Sqft
Status: active | Days on site: 105
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Indulge in refined coastal living in this stunning residence at Bay Point Reflections Condominium, offering breathtaking bay views and upscale updates throughout. Spanning 2,099 square feet, this beautifully designed 3-bedroom, 3-bathroom condominium features new flooring throughout and an open, light-filled layout ideal for both relaxing and entertaining. The spacious living area flows seamlessly onto an open balcony where you can unwind and take in serene water views and watch the boats go by, while an additional screened-in balcony provides the perfect space for year-round enjoyment. The well-appointed kitchen enjoys the stunning bay view and offers ample cabinetry and functionality, complementing the home's effortless flow. The primary suite serves as a private retreat, and each additional bedroom offers comfort and flexibility for guests. Located within the desirable Bay Point community, residents enjoy a peaceful waterfront setting with convenient access to the golf course, dining, shopping, and area attractions. A rare opportunity to own a beautifully updated bayfront residence combining space, views, and lifestyle. OWNER FINANCING AVAILABLE WITH ACCEPTABLE TERMS AND DOWN PAYMENT.

Highlights

Listed by Andrea L Green , 850-964-8014 Sims Resort Realty, Inc , 850-238-8360. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

1115 Monthly

Year Built

2007

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Reflections

Listing ID

788870

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Washer/Dryer Stacked, Electric Range, Electric Water Heater
Air Cond:Central Air
Fireplaces:
Other:
  • Additional:Balcony, Double Vanity, Separate Shower

Exterior Features

Lot Dimensions:0x0
Zoning:Resort
Others:
  • Additional:Porch
Parking Features:Parking Lot
Principal Interest
$3,291
Taxes
$497
HOA
$1,115

Home Price

$649,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$129,800
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:
$3,291.26

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,291.26 $496.83 $1,115.00 $4,903.10
Yearly $39,495.16 $5,962.00 $13,380.00 $58,837.16
Total $1,184,854.92 $178,860.00 $401,400.00 $1,765,114.92

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

6%

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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