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Harrison Lilly Team

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

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4801 E Bay Dr , Panama City, FL 32404
$125,000
Est. Payment: $690.61/mo
0.72 Acres
Status: Active | Days on site: 33
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TRE1 - B10656
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Harrison Lilly Team
Owner/Operator

House Description

Waterfront Opportunity on East Bay Discover the possibilities at 4801 E Bay Drive, a rare 0.69-acre vacant waterfront lot offering the perfect setting to build the property you've always envisioned. With navigable water access leading directly to East Bay, you'll have the freedom to get out on the water and explore wherever your heart desires. Whether you're looking to enjoy the open waters of East Bay, venture toward the Intracoastal Waterway, or simply spend quiet mornings and peaceful evenings along the shoreline, this property puts you just a short boat ride from it all. Located in a quiet, lightly developed area, this property offers a sense of privacy and tranquility that is increasingly hard to find. With ample space and waterfront access, it's an ideal opportunity to create a custom home, retreat, or personal waterfront escape tailored to your vision. Build what you desire. Live where the water is your backyard. Enjoy the peace, privacy, and freedom that waterfront living provides.

Highlights

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

Property Type

Vacant Land

Lot/Acreage
0.72

County

Bay

Area

05 - Bay County - East

Neighborhood

Richard Bayou Estates

Listing ID

794340

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Interior Features

Water:Well Needed

Exterior Features

Lot:Cul-De-Sac
Lot Dimensions:120.0 ft x 253.0 ft
Zoning:Resid Single Family
Sewer:Septic Needed
Principal Interest
$691
Taxes
$45

Home Price

$125,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$25,000
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:
$690.61

Principal

Taxes

Principal Taxes HOA Total
Monthly $690.61 $44.95 $0.00 $735.55
Yearly $8,287.28 $539.37 $0.00 $8,826.65
Total $248,618.52 $16,181.10 $0.00 $264,799.62

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