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Harrison Lilly Team

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

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3924 Bungalow Ln , Panama City, FL 32408
$489,000
Est. Payment: $2,701.65/mo
3 Bed
3 Bath
1682 Sqft
0.05 Acres
Status: Active | Days on site: 5
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Harrison Lilly Team
Owner/Operator

House Description

NEW CONSTRUCTION in the gated community of Sanctuary Beach! Built by Nadeau Construction, a local contractor with more than 20 years of building experience, this 3-bedroom, 2.5-bath home is anything but basic builder-grade. Thoughtful design, upgraded finishes and attention to detail can be found throughout. The open-concept kitchen, dining and living area is designed for both everyday living and entertaining. The kitchen features an impressive 9-foot island, charcoal/navy cabinetry with polished nickel hardware, quartz countertops, khaki stacked tile backsplash, gas stove, built-in wine rack, pantry cabinetry with pull-out shelving and a dedicated cabinet that keeps your microwave hidden from view. The first-floor primary suite offers a spacious bath with a large double vanity and tiled shower. The powder room makes a statement with a beautiful navy tile floor, beautiful cabinetry accented with navy and brushed-gold hardware, Calacatta quartz with a curved arched backsplash and a vessel sink. Upstairs are two additional bedrooms, including one with a walk-in closet and built-in shelving, plus a shared bath with a double vanity. Outside, a fenced, low-maintenance yard with minimal landscaping to care for. Additional features include a gas tankless water heater and carefully selected fixtures and finishes throughout. Sanctuary Beach is a gated community tucked beside the Bay Point Golf Course, offering a community pool and a convenient location near dining, marinas, golf and everything Panama City Beach has to offer. This is new construction for the buyer who wants more than the standard builder package - quality, character and details that make this home stand apart.

Highlights

Listed by Mia Nadeau , 229-220-0101 Beachy Beach Real Estate , 850-233-4351. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.05

HOA Fee

508 Quarterly

Year Built

2026

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Sanctuary Beach

Listing ID

796093

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:1
Appliances:Gas Cooktop, Gas Oven, Tankless Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Floor:Plank,Vinyl
Other:
  • ▪ Additional:Double Vanity, Main Level Primary, Walk-In Closet(s)

Exterior Features

Lot Dimensions:50x50 irr
Sewer:Public Sewer

Open House

Upcoming Open Houses
Sunday 1:00 pm - 4:00 pm Oct 18
Principal Interest
$2,702
Taxes
$59
HOA
$508

Home Price

$489,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$97,800
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:
$2,701.65

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,701.65 $59.02 $508.00 $3,268.67
Yearly $32,419.85 $708.24 $6,096.00 $39,224.09
Total $972,595.64 $21,247.20 $182,880.00 $1,176,722.84

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