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Harrison Lilly

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

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427 Bunkers Cove Rd , Panama City, FL 32401
$569,000
Est. Payment: $2,885.56/mo
4 Bed
3 Bath
3576 Sqft
Status: active with contingency | Days on site: 31
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

CURRENTLY UNDER CONTRACT, SELLER ACCEPTING BACKUP OFFERS Welcome to 427 Bunkers Cove Road, an exceptional coastal residence located in the highly sought-after Cove neighborhood of Panama City, just moments from St. Andrews Bay and around the corner from the St. Andrews Bay Yacht Club. This prime location offers the perfect blend of waterfront living and convenience, with downtown Panama City, restaurants, shopping, and local attractions only minutes away. Offering approximately 3,576 square feet of thoughtfully designed living space, this beautiful Colonial Revival home features 4 bedrooms, 3 full bathrooms, and timeless architectural character throughout. The inviting two-story design showcases a symmetrical façade, welcoming columned portico, classic brick chimney, and mature live oak trees draped with Spanish moss, creating unforgettable curb appeal. Inside, you'll find a spacious and functional floor plan enhanced by hardwood flooring, abundant natural light, divided-pane windows, and stainless steel appliances. The chef's kitchen flows seamlessly into the main living areas, making it ideal for everyday living and entertaining. A bright sunroom overlooks the backyard and provides the perfect space to relax year-round. Upstairs, a hidden bonus/game room tucked off the fourth bedroom offers endless possibilities as a media room, playroom, home office, or guest retreat while enjoying views of the pool and backyard. Step outside to your own private oasis featuring an in-ground swimming pool, spa, beautifully landscaped grounds, and multiple areas for entertaining or unwinding. Alley access provides ample parking for a boat, RV, or camper, while the large detached workshop offers outstanding space for storage, hobbies, or recreational equipment. Additional features include a whole-home water filtration system, covered side carport, established landscaping, mature shade trees, and a golf cart-friendly neighborhood that enhances the relaxed coastal lifestyle. Combining timeless architecture, modern comforts, generous indoor and outdoor living spaces, and an unbeatable location, 427 Bunkers Cove Road presents a rare opportunity to own one of Panama City's most distinctive homes. Schedule your private showing today and experience everything this exceptional property has to offer.

Highlights

Listed by Raul Hernandez , 850-628-0585 and Nathan Lawrence , 850-783-2302 Legacy Premier Agency , 850-468-2100. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.25

Year Built

1940

County

Bay

Area

02 - Bay County - Central

Neighborhood

Sudduths 3rd Add

Listing ID

792354

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Gas Oven
Air Cond:Attic Fan,Central Air,Ceiling Fan(s),Multi Units
Fireplaces:
Other:
  • Additional:Interior Steps, Tub Shower

Exterior Features

Lot:Paved
Lot Dimensions:74 x 140 x 100 x 75
Zoning:Resid Single Family
Others:
  • Additional:Covered Patio, Patio
Sewer:Public Sewer
Principal Interest
$2,886
Taxes
$363

Home Price

$569,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$113,800
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:
$2,885.56

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,885.56 $362.74 $0.00 $3,248.30
Yearly $34,626.73 $4,352.85 $0.00 $38,979.58
Total $1,038,801.93 $130,585.50 $0.00 $1,169,387.43

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