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Harrison Lilly Team

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

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5115 Gulf Dr Unit 903 , Panama City, FL 32408
$400,000
Est. Payment: $2,209.94/mo
1 Bed
2 Bath
883 Sqft
Status: Active | Days on site: 1
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Harrison Lilly Team
Owner/Operator

House Description

Welcome to Seychelles 903, an immaculate turnkey 1-bedroom, 2-bath luxury condo on the quieter east end, giving you a front-row seat to 200 feet of pristine white sand and the emerald Gulf waters. This newly updated condo comfortably sleeps 6, contains recently upgraded furniture, updated bedroom set, HVAC installed in 2020, hot water tank installed in 2022, and new Stationmaster LVP throughout installed 9/1/2026. Adding even more value, quarterly HOA dues cover all major utilities, including electricity, water, cable, and WiFi, helping simplify ownership costs. Located within the amenity-rich Seychelles Beach Resort, owners and guests enjoy two Gulf-front pools, a hot tub, fitness center, conference room, covered parking garage with convenient walkover access, optional onsite rental management, and onsite maintenance and security personnel. Located just steps from Schooners and minutes from St. Andrews State Park, golf, marinas, shopping, dining, and entertainment, this condo is perfectly positioned for both relaxation and adventure. The resort has a strong reputation with return visitors, and this particular unit comes with a database of direct renters accrued over the years. All future bookings convey as this unit is privately managed.

Highlights

Listed by Joseph Rohne , 636-236-2191 EXP Realty LLC , 888-883-8509. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

790 Monthly

Year Built

2006

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Seychelles Resort Condominium

Listing ID

795881

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:1
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Washer/Dryer Stacked, Electric Cooktop, Electric Oven, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Floor:Plank,Vinyl
Other:
  • ▪ Additional:Main Level Primary

Exterior Features

Lot Dimensions:0x0
Zoning:Resort
Sewer:Public Sewer
Principal Interest
$2,210
Taxes
$335
HOA
$790

Home Price

$400,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$80,000
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:
$2,209.94

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,209.94 $335.27 $790.00 $3,335.21
Yearly $26,519.31 $4,023.23 $9,480.00 $40,022.54
Total $795,579.26 $120,696.90 $284,400.00 $1,200,676.16

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