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Harrison Lilly

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

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2100 Royal Tern St , Panama City, FL 32405
$475,000
Est. Payment: $2,409.11/mo
3 Bed
2 Bath
1686 Sqft
Status: active | Days on site: 24
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to life in SweetBay-one of Panama City's most sought-after communities. This beautifully maintained 3-bedroom, 2-bath home offers the perfect blend of comfort and convenience, just steps from Publix, Starbucks, and the vibrant town center. Enjoy morning coffee runs, evening strolls, and easy access to everything you need right outside your door. Inside, the home features a thoughtfully designed layout with a spacious living room highlighted by a tray ceiling, creating an open yet elevated feel. The kitchen is a true standout with quartz countertops, a decorative hood, stainless steel appliance package, and a stylish backsplash-perfect for both everyday living and entertaining. Step outside to your covered lanai complete with an outdoor fireplace, ideal for relaxing or host year-round. The owner's suite offers a private retreat with a large walk-in shower, dual sink vanity, and a separate water closet for added comfort and functionality. Residents of SweetBay enjoy resort-style amenities including two community pools, scenic walking trails, and strong sense of community. Whether you're relaxing at home or out enjoying all SweetBay has to offer, this is Florida living at its best. ''Sellers are related to a licensed Realtor in the state of Florida.''

Highlights

Listed by Tanner L Cox , 601-466-1316 Think Real Estate , 850-270-4200. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.15

HOA Fee

Year Built

2023

County

Bay

Area

02 - Bay County - Central

Neighborhood

Sweetbay

Listing ID

789469

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Gas Range, Gas Water Heater, Plumbed For Ice Maker, Tankless Water Heater
Air Cond:Central Air,Heat Pump
Fireplaces:
Other:
  • Additional:Coffered Ceiling(s)

Exterior Features

Lot:Sprinkler System,Paved
Lot Dimensions:51'x135'
Zoning:Resid Single Family
Roof:Shingle
Sewer:Public Sewer
Principal Interest
$2,409
Taxes
$507
HOA
$0

Home Price

$475,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$95,000
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:
$2,409.11

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,409.11 $507.25 $0.00 $2,916.36
Yearly $28,909.32 $6,087.00 $0.00 $34,996.32
Total $867,279.74 $182,610.00 $0.00 $1,049,889.74

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