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Harrison Lilly

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

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4005 Riverside Dr , Panama City, FL 32404
$359,000
Est. Payment: $1,820.59/mo
3 Bed
2 Bath
1930 Sqft
Status: active | Days on site: 93
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Beautiful Home in One of Bay County's Most Desirable Family Communities Welcome to the charming Riverside community, widely known as one of the safest and most family-friendly neighborhoods in Bay County. Conveniently located directly across the street from North Bay Haven Charter Academy--one of the area's most highly regarded schools--this location is ideal for families who value both education and community. This home has been lovingly maintained by its original owner for the past 20 years, reflecting pride of ownership throughout. Just 15 minutes from downtown Panama City, Riverside offers a peaceful, picturesque setting that feels worlds away. With majestic oak trees draped in Spanish moss and beautiful Savannah-inspired architecture, the neighborhood has a timeless Southern charm that's hard to find in Florida. Residents enjoy low HOA fees of just $135/month, which include access to exceptional community amenities: • Waterfront community dock • Swimming pool • Basketball court • Clubhouse and game room • Private fitness center • Grounds maintenance Motivated seller--currently purchasing another property and open to reasonable offers. For Sale by Owner, giving buyers the opportunity to work directly with the owner and potentially save on transaction costs.

Highlights

Listed by Stephen Hachey , 813-213-4477 Lowest Fee Realty LLC , 813-213-4477. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

Year Built

2005

County

Bay

Area

02 - Bay County - Central

Neighborhood

Riverside Phase II

Listing ID

787583

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Electric Cooktop, Electric Range, Ice Maker
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Main Level Primary

Exterior Features

Lot Dimensions:7405 sqft
Others:
  • Additional:Patio
Parking Features:Garage,Garage Door Opener
Principal Interest
$1,821
Taxes
$276
HOA
$0

Home Price

$359,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$71,800
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:
$1,820.59

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,820.59 $275.50 $0.00 $2,096.09
Yearly $21,847.09 $3,306.00 $0.00 $25,153.09
Total $655,412.81 $99,180.00 $0.00 $754,592.81

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