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Harrison Lilly Team

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

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4100 Marriott 808 Dr Unit 808 , Panama City, FL 32408
$649,000
Est. Payment: $3,585.63/mo
2 Bed
2 Bath
1458 Sqft
Status: Active | Days on site: 95
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Harrison Lilly Team
Owner/Operator

House Description

Rare TOP FLOOR (8th) opportunity at Reflections in the Bay Point community! This tastefully furnished condo offers unobstructed views of St. Andrews Bay. Enjoy your morning coffee or unwind at the end of the day from your private balcony while taking in the ever changing scenery. Watch the dolphins play and eagles and osprey soar, boats cruise through the channel, and enjoy panoramic views of St. Andrews State Park and Shell Island. Inside, natural light fills the open living space, highlighting the coastal décor and gorgeous wood plank ceramic tile flooring. The kitchen features stainless steel appliances and flows seamlessly into the dining and living areas, making it easy to entertain while enjoying the view. The primary suite offers a walk-in shower, dual-sink vanity, and a relaxing retreat after a day on the water. The upgrades in this unit make it one of a kind. The quartz countertops and extras simply speak luxury! Being sold fully furnished, this condo is ready to enjoy from day one. Whether you're looking for a full-time residence, a vacation getaway, or an investment opportunity, short-term rentals are allowed, offering excellent income potential and flexibility. Reflections offers outstanding amenities, including a lagoon-style pool, hot tubs, community grilling areas, fire pits, an owner's lounge, and beautifully maintained grounds, all within the Bay Point community. From sunrise to sunset, the views of St. Andrews Bay create a view that's never the same twice, making this a place you'll love coming home to or sharing with your guests.

Highlights

Listed by Kim L Miller , EXP Realty LLC , 888-883-8509. 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

792177

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Electric Cooktop, Electric Oven, Ice Maker
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Balcony, Double Vanity, Main Level Primary

Exterior Features

Lot Dimensions:0
Others:
  • ▪ Additional:Fire Pit
Parking Features:Parking Lot
Principal Interest
$3,586
Taxes
$414
HOA
$1,115

Home Price

$649,000

Loan Details

30 yrs
7.374%

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:
$3,585.63

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,585.63 $413.74 $1,115.00 $5,114.37
Yearly $43,027.58 $4,964.85 $13,380.00 $61,372.43
Total $1,290,827.35 $148,945.50 $401,400.00 $1,841,172.85

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: 2026-10-07T08:26:25.000Z

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