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Harrison Lilly

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

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2509 W 11th St , Panama City, FL 32401
$369,500
Est. Payment: $1,873.84/mo
3 Bed
3 Bath
1845 Sqft
Status: active | Days on site: 12
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Modern Townhome Just Steps from Historic St. Andrews Experience the perfect blend of modern construction, comfort, and location in this beautifully designed 3-bedroom, 2.5-bath townhome located just blocks from the waterfront in Panama City's highly sought-after Historic St. Andrews district. Built with quality and efficiency in mind, this home features an open-concept floor plan just right for everyday living and entertaining. The spacious kitchen flows seamlessly into the dining and living areas, creating an inviting atmosphere filled with natural light. One of the home's standout features is the climate-controlled garage, complete with an insulated garage door, providing valuable additional conditioned space. Whether you envision a home gym, workshop, office, hobby room, game room, or simply appreciate the comfort of a temperature-controlled garage, this versati le space features endless possibilities while still functioning as a garage. Privacy and peace are enhanced by double-insulated party walls, helping minimize sound transfer between neighboring units-an uncommon feature that adds comfort and quiet enjoyment. The spacious primary suite includes a walk-in closet and private ensuite bath, while two additional bedrooms provide flexibility for guests, family, or a home office. Located just a few blocks from St. Andrews Bay, marinas, public boat launches, waterfront parks, restaurants, breweries, coffee shops, boutiques, local festivals, and the popular Saturday Farmers Market, you'll love the walkable coastal lifestyle without the waterfront price. Features * 3 Bedrooms * 2.5 Bathrooms * Modern open-concept floor plan * Climate-controlled garage with insulated garage door * Flexible conditioned space for office, gym, or workshop * Double-insulated party walls for exceptional privacy and sound reduction * Spacious primary suite with walk-in closet * Stainless steel appliances * Attached garage * Low-maintenance living * Excellent full-time residence, second home, or investment property Enjoy the charm of Historic St. Andrews with its waterfront dining, marina, boat ramps, parks, entertainment, and year-round community events-all within walking distance. Downtown Panama City, Tyndall Air Force Base, and Panama City Beach are all just a short drive away. If you've been searching for a newer home featuring quality construction, energy efficiency, exceptional privacy, and one of the best walkable locations in Bay County, this townhome deserves a place at the top of your list.

Highlights

Listed by Steven Koleno , 804-656-5007 Beycome of Florida LLC , 804-656-5007. Bay County Association of REALTORS

Property Type

Condo/Townhome

Lot/Acreage
0.04

Year Built

2023

County

Bay

Area

02 - Bay County - Central

Neighborhood

Ware Estate

Listing ID

793769

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Air Cond:Central Air
Fireplaces:

Exterior Features

Lot Dimensions:19 x 103
Roof:Composition,Shingle
Others:
  • Additional:Deck, Patio
Sewer:Public Sewer
Principal Interest
$1,874
Taxes
$408

Home Price

$369,500

Loan Details

30 yrs
6.528%

Down Payment

20%
$73,900
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:
$1,873.84

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,873.84 $408.17 $0.00 $2,282.01
Yearly $22,486.08 $4,898.00 $0.00 $27,384.08
Total $674,582.27 $146,940.00 $0.00 $821,522.27

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

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