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Harrison Lilly

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

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523 S Bonita Ave , Panama City, FL 32401
$445,000
Est. Payment: $2,256.72/mo
3 Bed
2 Bath
1339 Sqft
Status: active | Days on site: 22
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

This charming beautifully updated 3-bedroom, 2-bath block home offers the perfect blend of character, comfort, and durability. Located in the highly desirable Cove area, you'll enjoy close proximity to the Yacht Club, top rated schools, parks, waterfront attractions, dining, and all that this beloved neighborhood has to offer. The backyard features a charming private courtyard garden area, offering a serene outdoor oasis with plenty of privacy, also this home features thoughtful updates to include new impact windows, tile flooring, new HVAC, counter tops and more, while maintaining the timeless charm and appeal, providing a strong and reliable foundation for years to come. Whether you're relaxing at home, taking a stroll though the neighborhood, or enjoying what this exceptional location has to offer, you will find this is more than a home it's a life style. All measurements are to be verified by buyer.

Highlights

Listed by Tonia Hathaway , 850-415-2806 CENTURY 21 Commander Realty , 850-769-8326. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.23

Year Built

1951

County

Bay

Area

02 - Bay County - Central

Neighborhood

Sudduths 10Th Add

Listing ID

790840

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Washer/Dryer Stacked, Electric Oven, Electric Range, Electric Water Heater, Gas Range
Air Cond:Central Air
Fireplaces:
Other:
  • Additional:Main Level Primary

Exterior Features

Lot Dimensions:85 x 118
Zoning:Resid Single Family
Roof:Composition,Shingle
Sewer:Public Sewer
Principal Interest
$2,257
Taxes
$218

Home Price

$445,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$89,000
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:
$2,256.72

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,256.72 $217.75 $0.00 $2,474.47
Yearly $27,080.66 $2,613.00 $0.00 $29,693.66
Total $812,419.78 $78,390.00 $0.00 $890,809.78

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