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Harrison Lilly

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

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3933 Gravelle Dr , Panama City, FL 32409
$285,000
Est. Payment: $1,445.47/mo
3 Bed
2 Bath
1374 Sqft
Status: active | Days on site: 56
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
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House Description

Enjoy the countryside of Panama City in the Free State of Florida! This delightful 3 bedroom 2 bathroom home sits on a spacious lot with NO HOA and is ready for its next owner. From the inviting front porch, ideal for sipping your morning coffee, to the bright and welcoming interior filled with natural light, every corner is welcoming. The open kitchen and dining area flow effortlessly, making daily life and entertaining a breeze. Outside, the expansive backyard offers plenty of room for pets, gardening, or boat storage. With nearby boat ramps, you're minutes from salt and freshwater adventures. Conveniently located just 15 miles to NW Florida International Airport, 22 miles to the white sandy beaches, and just a short drive to ''town'' with easy access to schools, shopping, and dining, this gem is powered by Gulf Coast Electric Co-op, not FPL and is ready to welcome you home!
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Highlights

Listed by Melissa Barbee , 850-775-7600 Barbee Beach House Realty , 850-775-7600. Bay County Association of REALTORS

Property Type

Residential
Lot/Acreage
0.28

Year Built

2004

County

Bay

Area

04 - Bay County - North

 Neighborhood

Silvernail Heights

Listing ID

791964

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Electric Oven, Electric Range
Air Cond:Central Air
Fireplaces:

Exterior Features

Lot Dimensions:100.0 ft x 120.0 ft
Principal Interest
$1,445
Taxes
$182

Home Price

$285,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$57,000
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:
$1,445.47

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,445.47 $181.69 $0.00 $1,627.15
Yearly $17,345.59 $2,180.25 $0.00 $19,525.84
Total $520,367.84 $65,407.50 $0.00 $585,775.34

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

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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