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Harrison Lilly

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

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4113 Cobalt Circle Po73 , Panama City, FL 32408
$625,000
Est. Payment: $3,169.88/mo
3 Bed
3 Bath
1608 Sqft
Status: sold | Days on site: 18
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

This extraordinary waterfront end unit condo, nestled in the exclusive gated Waterhaven community, right on St. Andrew's Bay, is a true haven! Meticulously maintained, this spacious one level floor plan, with its rich hardwood flooring throughout the main areas, stunning granite countertops, exquisite cabinetry, a gas range, and a kitchen island perfect for entertaining large groups, is a dream come true! Let's not forget that breathtaking view, which can be enjoyed from the kitchen, living and dining areas, along with the Master Bedroom! Now, can you envision yourself sitting on your expansive deck, sipping your morning coffee, watching the sun rise over the water, and being greeted by dolphins? Or strolling along the community dock and being whisked away by boat for a five-minute ride to Shell Island? Better yet, having the luxury of choosing between lounging by the Bay front (seasonally heated) pool or the Bay front beach? There is also a grilling area on the pool deck, a dock, marina, a storage yard across Magnolia Beach Road with a separate access code, beach loungers, a boat ramp and a launch point for kayaks and stand-up paddle boards! This incredible community offers a state-of-the-art fitness center, a theater that can be reserved by owners, meeting room, summer kitchen and an Owner's Club for your enjoyment. This unit also comes with its own 5x7 storage room on the 4th Floor of the Building! And the best part? This location is unbeatable! All your favorite local restaurants are just a five-minute drive away, and the pristine white sandy beach is only seven minutes away! When it comes to serene living, this community has it all! When it comes to water activities, it's a paradise! When it comes to being close to everything yet feeling like you're in your own world, it's the ultimate retreat! Whether a full-time residence or a vacation home, come and experience the rare combination of luxury, tranquility and waterfront beauty-all in one exceptional residence! Welcome home!

Highlights

Listed by Darcie Ducharme , 937-307-1526 Carillon Realty Inc , 850-234-5600. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

2688 Quarterly

Year Built

2007

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Waterhaven

Listing ID

792803

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Electric Water Heater, Gas Cooktop, Gas Oven, Ice Maker, Wine Cooler
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Coffered Ceiling(s), Double Vanity, Main Level Primary, Sitting Area in Primary, Soaking Tub, Separate Shower, Smart Thermostat, Walk-In Closet(s), Home Theater

Exterior Features

Lot:Paved
Lot Dimensions:0x0
Zoning:Resid Multi-Family
Roof:Metal
Others:
  • Additional:Boat Ramp, Covered Patio
Sewer:Public Sewer
Principal Interest
$3,170
Taxes
$398
HOA
$2,688

Home Price

$625,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$125,000
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:
$3,169.88

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,169.88 $398.44 $2,688.00 $6,256.32
Yearly $38,038.58 $4,781.25 $32,256.00 $75,075.83
Total $1,141,157.55 $143,437.50 $967,680.00 $2,252,275.05

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