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Harrison Lilly

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

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3109 E Heartleaf Ave , Panama City, FL 32405
$460,000
Est. Payment: $2,332.79/mo
3 Bed
2 Bath
1848 Sqft
Status: active | Days on site: 18
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
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House Description

Welcome to the Anna Maria Floor Plan in the SweetBay offering a spacious open layout, natural light with coastal inspired feel. It is a great floor plan for everyday living and entertaining where the living and dining and kitchen flow seamlessly. With three bedrooms, two baths, the split-bedroom floor plan provides privacy, with a generous primary suite tucked away for relaxation. Enjoy outdoor living with a charming, covered porch and a covered lanai overlooking a fully fenced in backyard. SweetBay offers a walkable community with two community pools, sports court, playground, access to the bay for kayaking and paddle boarding, and multiple green spaces/park. Town Center has a Publix, Starbucks and additional shopping and restaurants Schedule your showing today! Please confirm measurement if deemed important.
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Highlights

Listed by Kelly L Moody , 678-614-6769 and Mark A Moody , 678-300-1743 SweetBay Realty , 850-424-6462. Bay County Association of REALTORS

Property Type

Residential
Lot/Acreage
0.12

HOA Fee

441 Quarterly

Year Built

2016

County

Bay

Area

02 - Bay County - Central

 Neighborhood

Sweetbay

Listing ID

793318

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Gas Range, Gas Water Heater
Air Cond:Central Air
Fireplaces:
Other:
  • ▪ Additional:Double Vanity, Main Level Primary

Exterior Features

Lot:Sprinkler System,Paved
Lot Dimensions:50.0 ft x 109.0 ft
Zoning:Resid Single Family
Roof:Composition,Shingle
Principal Interest
$2,333
Taxes
$462
HOA
$441

Home Price

$460,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$92,000
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:
$2,332.79

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,332.79 $462.20 $441.00 $3,235.99
Yearly $27,993.49 $5,546.36 $5,292.00 $38,831.85
Total $839,804.72 $166,390.80 $158,760.00 $1,164,955.52

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

6%

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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