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Harrison Lilly Team

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

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446 S Macarthur Ave , Panama City, FL 32401
$379,000
Est. Payment: $2,093.92/mo
3 Bed
2 Bath
1632 Sqft
0.24 Acres
Status: Pending | Days on site: 18
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Harrison Lilly Team
Owner/Operator

House Description

Welcome to 446 S Macarthur Avenue, where life in The Cove is all about charming streets, golf cart rides, neighborhood walks, and being just minutes from Downtown Panama City, the bay, parks, dining, and everything that makes this community so special. This inviting home offers approximately 1,632 square feet of comfortable living space with thoughtful updates including new flooring, electrical improvements, a new refrigerator, new dishwasher, and security system. Out back, enjoy the laid-back Cove lifestyle under the covered patio pergola with power available in the backyard, plus a storage shed for extra convenience. Whether you are grilling, entertaining friends, or winding down after a day on the water, the outdoor space gives you plenty of room to enjoy home. The washer and dryer, primary bedroom TV, dining room curtains, covered patio pergola, and wine racks installed at the back bar convey with the sale. Wine glasses do not convey. Staging furniture and most décor are excluded, although select furnishings may be negotiable separately. Looking for even more flexibility? Plans are available for a potential garage conversion into a primary suite, giving the next owner an opportunity to further customize the home. Buyer to independently verify feasibility, permits, zoning, costs, approvals, and all requirements associated with any future modifications. Come experience the charm, convenience, and easygoing lifestyle that makes The Cove one of Panama City's most loved neighborhoods.

Highlights

Listed by Paul D Gibney , 850-775-7766 Corcoran Reverie , 850-231-5030. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.24

Year Built

1947

County

Bay

Area

02 - Bay County - Central

Neighborhood

Sudduths 10Th Add

Listing ID

794654

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Electric Range, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s),Ductless
Fireplaces:Electric
Other:
  • ▪ Additional:Main Level Primary

Exterior Features

Lot:Paved
Lot Dimensions:75.0 ft x 140.0 ft
Zoning:Resid Single Family
Roof:Shingle
Others:
  • ▪ Additional:Patio
Sewer:Public Sewer
Parking Features:Additional Parking,Circular Driveway
Principal Interest
$2,094
Taxes
$400

Home Price

$379,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$75,800
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:
$2,093.92

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,093.92 $399.57 $0.00 $2,493.49
Yearly $25,127.04 $4,794.82 $0.00 $29,921.86
Total $753,811.35 $143,844.60 $0.00 $897,655.95

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