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

2204 Penny Royal St , Panama City, FL 32405
$649,000
Est. Payment: $3,585.63/mo
4 Bed
4 Bath
2854 Sqft
0.13 Acres
Status: Active | Days on site: 157
Get Pre-Qualified
EC.ebbk - EC.e33688
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

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?

Contact Agent

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
Floor:Plank,Vinyl
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
$3,586
Taxes
$490
HOA
$441

Home Price

$649,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$129,800
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:
$3,585.63

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,585.63 $489.92 $441.00 $4,516.55
Yearly $43,027.58 $5,879.00 $5,292.00 $54,198.58
Total $1,290,827.35 $176,370.00 $158,760.00 $1,625,957.35

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: 2026-10-07T08:26:25.000Z

© 2026 Bay County Association of REALTORS