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Harrison Lilly

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

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2204 Penny Royal St , Panama City, FL 32405
$699,000
Est. Payment: $3,545.20/mo
4 Bed
4 Bath
2854 Sqft
Status: active | Days on site: 93
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Located in the SweetBay community, this Santa Rosa floor plan offers a 4-bedroom, 3.5-bath home with a thoughtfully designed interior. Positioned near the resort-style community pool at Blossom Park, the property provides convenient access to neighborhood amenities. The home features an open floor plan with a loft area suitable for a second living space, media room, office, or playroom. The kitchen includes quartz countertops, stainless steel appliances, a gas range, and a butler's pantry, providing additional storage and prep space. A tankless water heater provides on-demand hot water. The home is equipped with a whole-home water filtration system and a reverse osmosis system in the kitchen. Outdoor features include a covered front porch, upstairs balcony, and a screened rear porch with a fireplace, offering multiple areas for outdoor use and relaxation. Community amenities include walking and biking trails, pools, playgrounds, and green spaces, along with access to a bayfront area with a dock for activities such as kayaking and fishing. Conveniently located near shopping, dining, and everyday services, with access to popular grocery and coffee options. All information is deemed reliable but not guaranteed. Buyers are encouraged to verify all measurements, features, details, amenities, and access.

Highlights

Listed by Christy M Rohan , 850-819-2127 Beachbook Realty LLC , 850-819-2127. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.13

HOA Fee

441 Quarterly

Year Built

2022

County

Bay

Area

02 - Bay County - Central

Neighborhood

Sweetbay

Listing ID

790048

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:4
  • Full Bathrooms:3
  • 1/2 Bathrooms:1
Appliances:Gas Cooktop, Tankless Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:Gas
Other:
  • Additional:Main Level Primary, Walk-In Pantry

Exterior Features

Lot:Paved
Lot Dimensions:115 X 50
Zoning:Resid Single Family
Roof:Shingle
Others:
  • Additional:Porch
Sewer:Public Sewer
Parking Features:Alley Access
Principal Interest
$3,545
Taxes
$490
HOA
$441

Home Price

$699,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$139,800
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:
$3,545.20

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,545.20 $489.92 $441.00 $4,476.11
Yearly $42,542.35 $5,879.00 $5,292.00 $53,713.35
Total $1,276,270.60 $176,370.00 $158,760.00 $1,611,400.60

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