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Harrison Lilly

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

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6323 Thomas Drive 104b , Panama City, FL 32408
$699,900
Est. Payment: $3,549.76/mo
2 Bed
2 Bath
1600 Sqft
Status: active | Days on site: 238
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Indulge in the rare luxury of a private beachfront sanctuary where the sand is your front yard. This beautifully updated, fully furnished first-floor unit offers a lifestyle seldom found in high-rise living. Located in an exclusive non-rental community, you'll enjoy a serene atmosphere free from vacation crowds. This unit's unique design provides private, direct entry, allowing you to bypass the lobby and elevators entirely. This is a dream for beach lovers and pet owners. Opportunities for a direct-access unit in a tranquil, rental-free, high-rise condominium are exceptionally rare and highly sought after. Secure your private showing before this one of a kind retreat is gone!

Highlights

Listed by Matthew Johns , 850-628-9867 CENTURY 21 Ryan Realty Inc , 850-233-7926. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

4692 Quarterly

Year Built

1994

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Summerwinds Condo

Listing ID

782639

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Electric Oven, Electric Range, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Double Vanity, Jetted Tub, Main Level Primary, Separate Shower, Utility Room

Exterior Features

Lot Dimensions:0x0
Roof:Membrane
Sewer:Public Sewer
Parking Features:Gated
Principal Interest
$3,550
Taxes
$516
HOA
$4,692

Home Price

$699,900

Loan Details

30 yrs
6.529%

Down Payment

20%
$139,980
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:
$3,549.76

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,549.76 $515.67 $4,692.00 $8,757.43
Yearly $42,597.13 $6,188.00 $56,304.00 $105,089.13
Total $1,277,913.87 $185,640.00 $1,689,120.00 $3,152,673.87

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