Agent profile image in chat bubble
Agent profile image in chat header

Harrison Lilly Team

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

Agent profile image in message

By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from , its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
main property photo 0
main property photo 1
main property photo 2
main property photo 3
main property photo 4
main property photo 5
main property photo 6
main property photo 7
main property photo 8
main property photo 9
main property photo 10
main property photo 11
main property photo 12
main property photo 13
main property photo 14
main property photo 15
main property photo 16
main property photo 17
main property photo 18
main property photo 19
main property photo 20
main property photo 21
main property photo 22
main property photo 23
main property photo 24
main property photo 25
main property photo 26
main property photo 27
main property photo 28
main property photo 29
main property photo 30
main property photo 31
main property photo 32
main property photo 33
main property photo 34
main property photo 35
main property photo 36
main property photo 37
main property photo 38
main property photo 39
main property photo 40
main property photo 41
main property photo 42
main property photo 43
main property photo 44
main property photo 45
main property photo 46
main property photo 47
main property photo 48
main property photo 49
View All (50)
property photo 1
property photo 2
property photo 3
5505 Sun Harbor Rd Unit 181 , Panama City, FL 32401
$327,000
Est. Payment: $1,806.63/mo
2 Bed
2 Bath
1200 Sqft
Status: Active | Days on site: 20
Get Pre-Qualified
EXPR - B11408,B1440
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from Harrison Lilly Team, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
Agent profile image
Harrison Lilly Team
Owner/Operator
View agent profile
Email
Call

House Description

SHORT-TERM RENTALS NOW APPROVED! Welcome to waterfront living at Sun Harbor. This fully furnished, two-story end-unit condo offers a rare combination of space, flexibility, and beautiful views of the bay, marina, and pool. The spacious floor plan features 2 bedrooms, 2 full bathrooms, a large kitchen, dedicated dining area, and an open living space ideal for relaxing or entertaining. Two private covered balconies extend the living space outdoors, offering the perfect place to enjoy morning coffee, evening sunsets, and the waterfront surroundings. Boating enthusiasts will appreciate the convenient marina access, with boat slips available for purchase or rent, including options with or without lifts. A new on-site restaurant is also coming soon, adding even more convenience to this unique waterfront community. With short-term rentals now permitted by the association, this property offers exceptional versatility as a primary residence, second home, vacation getaway, or investment property. Fully furnished and ready for its next owner, this is an opportunity to enjoy the waterfront lifestyle from day one.
Show more

Highlights

Listed by Rachel Knetzer , 850-481-2823 and Sara Violette , 850-630-0600 EXP Realty LLC , 888-883-8509. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

425 Monthly

Year Built

1984

County

Bay

Area

02 - Bay County - Central

 Neighborhood

Sun Harbor Condo

Listing ID

795029

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Electric Cooktop, Electric Oven, Electric Range
Air Cond:Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Balcony, Interior Steps, Main Level Primary, Sitting Area in Primary, Tub Shower, Walk-In Pantry

Exterior Features

Lot:Paved
Lot Dimensions:0x0
Zoning:Resort
Roof:Metal
Others:
  • ▪ Additional:Boat Lift, Boat Slip, Covered Patio
Sewer:Public Sewer
Parking Features:Paved,Parking Lot
Principal Interest
$1,807
Taxes
$254
HOA
$425

Home Price

$327,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$65,400
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:
$1,806.63

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,806.63 $253.64 $425.00 $2,485.27
Yearly $21,679.53 $3,043.74 $5,100.00 $29,823.27
Total $650,386.04 $91,312.20 $153,000.00 $894,698.24

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

Never Miss a Property

Be the first to know when a property hits the market.

Current Listings

Last 30 Days
N/A
Oct 2026

Average Price

All Price Ranges
N/A
Oct 2026

Average Days on Market

All Price Ranges
N/A
Oct 2026
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: 2026-10-07T05:07:46.000Z

© 2026 Bay County Association of REALTORS