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Harrison Lilly Team

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

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4138 Cobalt Circle Ro12 , Panama City Beach, FL 32408
$549,000
Est. Payment: $3,033.15/mo
4 Bed
5 Bath
2855 Sqft
Status: Active | Days on site: 13
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Harrison Lilly Team
Owner/Operator

House Description

Welcome to Waterhaven, where beautiful Southern coastal architecture, inviting spaces and a relaxed waterfront lifestyle come together. This spacious three story residence offers 2,855 square feet, 4 bedrooms, 4.5 baths, a two car garage and separate guest Carriage House providing plenty of room to spread out while still feeling warm and welcoming. From the moment you step inside, you'll notice the details that give this home its character. Hardwood floors, tray ceilings, crown molding, beautiful millwork and substantial 12 inch baseboards create a timeless feel, while the spacious living and dining areas offer comfortable places to gather, entertain or simply enjoy being at home. At the heart of the home is a generous kitchen with a large island, six burner Viking gas range, Sub Zero refrigerator, Bosch dishwasher, wine cooler and ice maker. This amazing floorplan includes a kitchen pantry along with two storage closets. Whether you're enjoying a quiet morning at the island or cooking dinner with friends, the open layout keeps everyone connected. With four bedrooms and four full baths & a half bath, this home offers an unusual amount of open space and storage. The second floor primary suite provides a comfortable retreat with its own balcony and walk in closet. The primary bath features a double vanity, separate shower and soaking tub, creating a relaxing space to begin and end the day. The two additional bedrooms are ensuite as well, giving your guests space and privacy of their own. Adding even more versatility, the Carriage House includes it's own kitchen , full bath, living area with a separate garage entrance. It's an inviting setup for overnight guests, extended stays, a home office or simply having additional space when you need it. Step outside to the private courtyard patio, a charming extension of the living space that's just right for morning coffee, grilling dinner, gathering with friends or relaxing at the end of the day. And then there's Waterhaven itself. Enjoy the waterfront pool or fishing on the private pier. The clubhouse offers a fitness center , theater beautiful meeting room. Enjoy the grilling areas and beautiful gathering spaces, all within this gated, non-rental community. With room for guests, spaces to gather and plenty of places to relax, this is a home designed to be lived in and to enjoy your best, beach life.

Highlights

Listed by Tina L Gates , 850-238-2366 Anchor Realty Florida , 850-899-7999. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

3833 Quarterly

Year Built

2007

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Waterhaven

Listing ID

795308

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:5
  • ▪ Full Bathrooms:4
  • ▪ 1/2 Bathrooms:1
Appliances:Gas Range, Ice Maker, Wine Cooler
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Balcony, Double Vanity, Interior Steps, Jetted Tub, Separate Shower, Upper Level Primary, Walk-In Closet(s), Home Theater

Exterior Features

Lot Dimensions:0x0
Roof:Metal
Others:
  • ▪ Additional:Covered Patio
Sewer:Public Sewer
Parking Features:Gated
Principal Interest
$3,033
Taxes
$306
HOA
$3,833

Home Price

$549,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$109,800
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:
$3,033.15

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,033.15 $305.67 $3,833.00 $7,171.81
Yearly $36,397.75 $3,668.00 $45,996.00 $86,061.75
Total $1,091,932.53 $110,040.00 $1,379,880.00 $2,581,852.53

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 Beach, 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: 2026-10-07T05:07:46.000Z

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