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Harrison Lilly Team

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

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4114 Holiday Dr Unit 18 , Panama City, FL 32408
$147,000
Est. Payment: $812.15/mo
1 Bath
400 Sqft
Status: Active | Days on site: 5
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2180 - B0005
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Harrison Lilly Team
Owner/Operator

House Description

Discover one of the best beachside values in Panama City Beach--a rental-ready studio just steps from the sand. Located in Sand Castle Villas, this beautifully maintained and fully furnished studio condo is truly turnkey and ready to generate income from day one. With custom built-in loft beds, a luxury main sleeping area, and a smart, space-efficient layout, making it especially attractive for short-term rental demand. This condo is one of only two units in the entire complex featuring a rare U-shaped kitchen, offering extra cabinet and counter space--a standout feature for guests and owners alike. The kitchen is fully stocked and features all white appliances, while tile flooring throughout, serene coastal tones, and tasteful décor create a bright, inviting beach retreat. Enjoy less than a one-minute walk (approximately 150 steps) to the white sugar sands and emerald waters via Beach Access 13 and 14. The complex is well known for its strong short-term and long-term rental performance. Additional highlights include: Private fenced pool and outdoor shower, Private laundry room just outside the unit with washer, dryer, and extra storage, one assigned parking space plus overflow parking, and balcony space to relax and enjoy the coastal breeze. Peaceful, smaller complex with a personable, laid-back atmosphere, Close to restaurants, shopping, and a short drive to Pier Park. Whether you're looking for an affordable personal beach getaway, a high-performing investment, or both--this studio delivers exceptional value, charm, and income potential under $150K in today's market.

Highlights

Listed by Cindy Mijangos , 850-573-4045 Christies International Real Estate Emerald Coast , 850-213-2800. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

1965 Quarterly

Year Built

1984

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Sand Castles Villa

Listing ID

795039

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bathrooms:1
  • ▪ Full Bathrooms:1
Appliances:Electric Oven
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:

Exterior Features

Lot Dimensions:0x0
Zoning:Resid Multi-Family
Others:
  • ▪ Additional:Covered Patio
Sewer:Public Sewer
Principal Interest
$812
Taxes
$124
HOA
$1,965

Home Price

$147,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$29,400
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Monthly Price:
$812.15

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $812.15 $123.96 $1,965.00 $2,901.11
Yearly $9,745.85 $1,487.46 $23,580.00 $34,813.31
Total $292,375.38 $44,623.80 $707,400.00 $1,044,399.18

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: 2026-10-07T08:07:44.000Z

© 2026 Bay County Association of REALTORS