Agent profile image in chat bubble
Agent profile image in chat header

Harrison Lilly

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

Agent profile image in message

4109 Choctaw St , Panama City, FL 32408
$1,730,000
Est. Payment: $8,774.23/mo
4 Bed
4 Bath
2174 Sqft
Status: active | Days on site: 151
Get Pre-Qualified
VCR-C15903466 - VCR-C159091383,VCR-C159052275

By providing your number, you are expressly consenting, in writing, to receive telemarketing and other messages, including calls or texts at the number you provided above. This consent is not required to purchase any good or service. Message and data rates may apply. Text STOP to cancel.

This site is protected by reCAPTCHA and the GooglePrivacy Policy and Terms of Service apply.

Agent profile image
Harrison Lilly
Owner/Operator

House Description

HEATED POOL- STEPS TO BEACH Last years rental income in the high $90 and this year is on its way to over $100K Ideal as a beach rental or second home, this stunning property offers the perfect blend of comfort and coastal charm. Located just moments from beach access, it features a private fenced-in pool and two owner's suites for ultimate convenience. Upstairs, the primary owner's suite boasts balcony access, a tile shower, granite countertops, and a double vanity. The second level also includes a bunk room, two additional King-sized bedrooms, and a shared bath. Downstairs, the open-concept living and dining area creates a welcoming space for gatherings. The kitchen overlooks the living room and features granite countertops, a large island, stainless steel appliances, and crisp white cabinetry. The first-floor owner's suite provides added flexibility, while French doors lead from the living area to a covered patio, private pool, and outdoor shower—perfect for enjoying the coastal breeze. Don't miss out on this incredible beachside retreat!

Highlights

Listed by Beth A Jones , 850-714-3396 Blue Swell Realty , 855-233-7037. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.14

Year Built

2021

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Silver Sands Beach

Listing ID

787149

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:4
  • Full Bathrooms:3
  • 1/2 Bathrooms:1
Appliances:Convection Oven, Electric Range
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Balcony, Double Vanity, Main Level Primary, Walk-In Closet(s)

Exterior Features

Lot:Paved
Lot Dimensions:Silver Sands Beach The Sly 50' of lots 4 and 5 and
Zoning:Resid Single Family
Roof:Metal
Others:
  • Additional:Patio, Outdoor Shower
Parking Features:No Garage
Principal Interest
$8,774
Taxes
$1,198

Home Price

$1,730,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$346,000
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:
$8,774.23

Principal

Taxes

Principal Taxes HOA Total
Monthly $8,774.23 $1,198.00 $0.00 $9,972.23
Yearly $105,290.80 $14,376.00 $0.00 $119,666.80
Total $3,158,724.09 $431,280.00 $0.00 $3,590,004.09

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

Never Miss a Property

Be the first to know when a property hits the market.

Current Listings

Last 30 Days
N/A
Aug 2026

Average Price

All Price Ranges
N/A
Aug 2026

Average Days on Market

All Price Ranges
N/A
Aug 2026
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