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Harrison Lilly Team

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

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4500 W 19th St , Panama City, FL 32405
$347,900
Est. Payment: $1,922.10/mo
5 Bed
3 Bath
1904 Sqft
0.2 Acres
Status: Active | Days on site: 139
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TRE1 - B11096,B11324
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Harrison Lilly Team
Owner/Operator

House Description

Welcome to this well-maintained 5-bedroom, 3-bath home offering over 1,900 square feet of versatile living space with a desirable split floor plan. A standout feature of this home is the rear bedroom with its own full bathroom and private exterior entrance--ideal for guests, extended family, or potential rental income. Don't let the exterior fool you--this home opens up into a spacious and functional interior that feels larger than expected. The layout features two bedrooms on one side of the home off of a front hallway, a private primary suite off of the living area, an additional bedroom off of the kitchen, and the private studio (bedroom with private bathroom) at the back of the home off of a hallway as you leave the kitchen to head out to the back deck space. As you enter the home, you're welcomed into a spacious living area that flows seamlessly into the dining space and kitchen, creating an open and functional layout ideal for both everyday living and entertaining. The thoughtfully designed layout maximizes every square foot, offering functional living space with no wasted areas. The interior features textured walls for a more finished look, along with updated vinyl plank flooring. The kitchen offers ample counter space, a pantry, and stainless-steel appliances, while a large laundry room adds extra convenience. The spacious primary suite includes a large walk-in closet and an en-suite bathroom featuring double vanities, a walk-in shower, soaking tub, and a private toilet closet. Major updates provide peace of mind, including a metal roof and a fully replaced HVAC system within the past 3 years, along with fresh interior paint and updated flooring in the majority of the home! Situated on a desirable corner lot with a city park directly across the street, this home is conveniently located just minutes from the Hathaway Bridge, Florida State University Panama City, and Gulf Coast State College. Enjoy quick access to St. Andrews Bay with nearby boat ramps and waterfront recreation. The fully fenced backyard features a 21-ft above-ground pool with partial in-ground installation, a surrounding deck, additional back deck space, and a large 25x10 enclosed shed. The property also offers ample parking for up to 6 vehicles, including space to accommodate a boat or trailer--perfect for enjoying the nearby water access. The home also includes an installed solar energy system, offering long-term energy efficiency and consistently low utility costs. This home offers space, flexibility, major updates, and an excellent location--ready for its next owner to make it their own.

Highlights

Listed by Erica L Wheeler , 850-499-3840 and Spencer S Wheeler , 352-871-8475 Think Real Estate , 850-270-4200. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.2

Year Built

2006

County

Bay

Area

02 - Bay County - Central

Neighborhood

Wainwright Park

Listing ID

788290

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:5
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Electric Range
Air Cond:Central Air
Fireplaces:
Floor:Plank,Vinyl
Other:
  • ▪ Additional:Double Vanity, Main Level Primary, Utility Room

Exterior Features

Lot:Paved
Lot Dimensions:74'x120'
Roof:Metal
Sewer:Public Sewer
Principal Interest
$1,922
Taxes
$319

Home Price

$347,900

Loan Details

30 yrs
7.374%

Down Payment

20%
$69,580
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Monthly Price:
$1,922.10

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,922.10 $318.75 $0.00 $2,240.85
Yearly $23,065.17 $3,825.00 $0.00 $26,890.17
Total $691,955.06 $114,750.00 $0.00 $806,705.06

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

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

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