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Harrison Lilly

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

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4850 Loblolly Way , Panama City, FL 32404
$479,900
Est. Payment: $2,433.96/mo
4 Bed
4 Bath
2817 Sqft
Status: active | Days on site: 28
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

WOW! **GENEROUS SELLER INCENTIVES!** Up to 3.3% (of purchase price) seller credit toward buyer closing costs, rate buy down etc., a 2-year home warranty, and 1 year of HOA dues paid with an acceptable offer! This is an exceptional opportunity for buyers! Welcome to this beautiful 4-bedroom 4-bath home in the highly sought-after Titus Park community, offering a community pool and dog run within walking distance. With 2,817 sqft of thoughtfully designed living space and situated on a corner lot, this spacious residence combines timeless curb appeal with an attractive Hardie board siding construction. Step inside to an inviting foyer that immediately showcases the home's open, modern layout. To the right, two bedrooms share a well-appointed Jack-and-Jill bathroom. As you continue through the home, you'll find a conveniently located half bath, an oversized laundry room, and access to the spacious three-car garage. Adjacent to the foyer is an expansive second living area that can easily serve as a family room, media room, home office, or fitness space. This area also provides access to a private fourth bedroom featuring its own en-suite bathroom and walk-in closet, making it an ideal guest/mother-in-law suite. The main living areas feature elegant tray ceilings with crown molding, recessed lighting, and abundant natural light. The kitchen is truly the heart of the home and designed with functionality in mind. It offers abundant cabinetry, a large granite-topped center island with additional storage on the back side, a coffee bar, oversized walk-in corner pantry, and stainless appliances-including the refrigerator. Just off the kitchen, the breakfast area overlooks the private backyard, creating the perfect setting for casual dining. The spacious owner's suite provides a peaceful retreat overlooking the backyard and features a luxurious en-suite bath with soaking tub, walk-in shower, dual granite vanities, private water closet, generous walk-in closet, and additional linen storage. Step outside to enjoy the fully fenced backyard, complete with an expansive covered patio ideal for entertaining and plenty of room to relax. Additional exterior upgrades include a full irrigation system, wrap around gutters, and a Culligan whole-home water softener system, adding both convenience and value. The oversized 30' x 20' three-car garage offers exceptional space for vehicles, storage, hobbies, or a home gym. Conveniently located just minutes from the growing Lindsey Crossing development with restaurants, shopping, grocery stores, and Starbucks, this home is also approximately 25 minutes to Tyndall Air Force Base and Naval Support Activity Panama City, making it an outstanding location for military personnel and commuters alike. Outdoor enthusiasts will appreciate being only five minutes from Lynn Haven's beautiful Bayou Park & Preserve, a 99-acre destination featuring walking trails, fitness loops, playgrounds, docks, boardwalks, open pavilions, and abundant green space. If you've been searching for a move-in ready home, this incredibly popular Camden open floor plan has it all - the spacious living areas, a private guest suite, three-car garage, and an unbeatable location. All measurements are approximate; buyer to verify if important. Schedule your private showing today!

Highlights

Listed by Michael S Werner , 850-814-6266 Keller Williams Success Realty , 850-249-0313. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.18

HOA Fee

162 Quarterly

Year Built

2023

County

Bay

Area

02 - Bay County - Central

Neighborhood

Titus Park

Listing ID

792808

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:Electric Oven, Water Softener Owned
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Double Vanity, Main Level Primary, Soaking Tub, Separate Shower, Walk-In Closet(s)

Exterior Features

Lot:Sprinkler System
Lot Dimensions:73.0 ft x 110.0 ft
Zoning:Resid Single Family
Roof:Composition,Shingle
Others:
  • Additional:Rain Gutters
Sewer:Public Sewer
Principal Interest
$2,434
Taxes
$306
HOA
$162

Home Price

$479,900

Loan Details

30 yrs
6.529%

Down Payment

20%
$95,980
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:
$2,433.96

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,433.96 $305.94 $162.00 $2,901.90
Yearly $29,207.55 $3,671.24 $1,944.00 $34,822.78
Total $876,226.41 $110,137.05 $58,320.00 $1,044,683.46

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