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Harrison Lilly

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

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5505 Sun Harbor Rd Unit 213 , Panama City, FL 32401
$168,000
Est. Payment: $852.06/mo
1 Bed
1 Bath
540 Sqft
Status: active | Days on site: 26
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

🌅 Waterfront Living, Stunning Sunsets & Short-Term Rentals Allowed! Wake up to breathtaking water views and end each day with spectacular sunsets from your own private furnished balcony. This charming waterfront studio at Sun Harbor offers the perfect blend of relaxation, coastal adventure, and investment potential -- all with direct Gulf access and short-term rentals allowed. Dreaming of a lifestyle where your boat is just steps away? Sun Harbor Marina offers boat slips for sale or rent, with options available with or without lifts. Spend your days boating, fishing, exploring Shell Island, or simply relaxing by the water. Plus, with a waterfront restaurant coming soon, this location keeps getting better. So what are you waiting for? Your coastal getaway or income-producing investment is ready! Whether you're searching for a weekend getaway, vacation rental, or low-maintenance waterfront home, this beautifully updated condo delivers. Inside, you'll find a renovated kitchen featuring new cabinets, new countertops, and a new dishwasher, along with the convenience of an in-unit washer and dryer. Large windows fill the space with natural light while showcasing stunning views of St. Andrew Bay. Step outside and embrace the coastal lifestyle. Spend your days boating, fishing, paddleboarding, or simply relaxing by the community pool. Sun Harbor Marina is just steps away, offering deep-water slips, a fuel dock, jet ski and pontoon rentals, fishing excursions, and private cruises to Shell Island. Boat slip lease/rental availability should be verified by the buyer. Conveniently located in the heart of Panama City, this waterfront retreat is just minutes from the sugar-white beaches of Panama City Beach, Carl Gray Park and boat ramp, Florida State University Panama City, Gulf Coast State College, shopping, dining, and a short drive to the Navy Base. Enjoy waterfront living at an affordable price with endless opportunities for recreation and rental income. Price Reduced! Now offered at $168,000, down from $172,000. Come experience the sunsets, the water views, and the coastal lifestyle for yourself! 🌴⚓🌅

Highlights

Listed by Kim Limmer , 850-319-7316 and Brandie Allon , 850-960-5990 Coastal Palms Real Estate , 716-912-1447. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

Year Built

1984

County

Bay

Area

02 - Bay County - Central

Neighborhood

Sun Harbor Condo

Listing ID

789971

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:1
  • Bathrooms:1
  • Full Bathrooms:1
Appliances:Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater
Air Cond:Ceiling Fan(s),Wall Unit(s)
Fireplaces:

Exterior Features

Lot:Paved
Lot Dimensions:0x0
Zoning:Resort
Roof:Metal
Sewer:Public Sewer
Parking Features:Additional Parking,Paved,Parking Lot
Principal Interest
$852
Taxes
$150
HOA
$0

Home Price

$168,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$33,600
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:
$852.06

Principal

Taxes

Principal Taxes HOA Total
Monthly $852.06 $149.75 $0.00 $1,001.81
Yearly $10,224.77 $1,797.00 $0.00 $12,021.77
Total $306,743.15 $53,910.00 $0.00 $360,653.15

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