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Harrison Lilly

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

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11840 Country Club Dr , Panama City, FL 32404
$384,900
Est. Payment: $1,951.94/mo
4 Bed
3 Bath
2024 Sqft
Status: active | Days on site: 1
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Harrison Lilly
Owner/Operator

House Description

Welcome home to this beautifully maintained 4-bedroom, 2.5-bath home situated on .62 of an acre in a peaceful country-style setting with a low HOA. Following Hurricane Michael, the home underwent a major remodel and has continued to be exceptionally well cared for. The functional floor plan features the primary bedroom on the main level, spacious living areas, and a wood-burning fireplace in the living room that adds warmth and character to the heart of the home. A brand-new HVAC system is another major update already taken care of for the next owner. Outside is where this property really shines. With over half an acre, there is room for kids to play, pets to run, outdoor entertaining, gardening, or creating your own private backyard retreat. Enjoy the quiet feel of country living while still being conveniently located approximately 23 minutes to Tyndall Air Force Base, around 30 minutes to shopping, dining, and conveniences along 23rd Street, and centrally positioned between Panama City Beach and Mexico Beach. If you have been searching for a home that offers space, privacy, convenience, thoughtful updates, and the kind of setting that simply feels like home, this one deserves a look

Highlights

Listed by Sandi Smith , 229-326-2998 Dalton Wade Inc , 888-668-8283. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.62

HOA Fee

400 Annually

Year Built

1986

County

Bay

Area

05 - Bay County - East

Neighborhood

Sandy Creek & Country Club Phase II

Listing ID

794291

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Electric Cooktop, Electric Oven, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:

Exterior Features

Lot:Paved
Lot Dimensions:96.0 ft x 163.0 ft
Roof:Other,Shingle
Sewer:Public Sewer
Parking Features:Garage,Garage Door Opener
Principal Interest
$1,952
Taxes
$258
HOA
$400

Home Price

$384,900

Loan Details

30 yrs
6.528%

Down Payment

20%
$76,980
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:
$1,951.94

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,951.94 $258.05 $400.00 $2,609.98
Yearly $23,423.25 $3,096.55 $4,800.00 $31,319.80
Total $702,697.47 $92,896.50 $144,000.00 $939,593.97

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