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Harrison Lilly

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

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109 Merrion Rd , Panama City, FL 32409
$399,990
Est. Payment: $2,028.67/mo
5 Bed
3 Bath
2640 Sqft
Status: active | Days on site: 92
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

This stunning 5-bedroom, 3-bathroom home boasts 2,640 sq/ft of thoughtfully designed living space, perfect for families of all sizes. Enjoy breathtaking pond views from your large fenced-in yard, ideal for outdoor gatherings and relaxation. The enclosed back patio provides a serene space for morning coffee or evening sunsets. Neighborhood amenities include a community pool and playground and is perfect for active families. With a spacious 2-car garage and ample storage, you'll have room for all your needs. Don't miss the opportunity to make this beautiful property your forever home.

Highlights

Listed by Justin G Thomas , 480-322-8417 Realty One Group Emerald Coast , 850-238-8338. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.2

HOA Fee

432.59 Quarterly

Year Built

2019

County

Bay

Area

04 - Bay County - North

Neighborhood

Fanning Bayou

Listing ID

789246

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:5
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Electric Range, Electric Water Heater
Air Cond:Central Air
Fireplaces:
Other:
  • Additional:Upper Level Primary

Exterior Features

Lot Dimensions:79x152
Others:
  • Additional:Patio
Sewer:Public Sewer
Principal Interest
$2,029
Taxes
$229
HOA
$433

Home Price

$399,990

Loan Details

30 yrs
6.529%

Down Payment

20%
$79,998
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:
$2,028.67

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,028.67 $228.92 $432.59 $2,690.18
Yearly $24,344.09 $2,747.00 $5,191.08 $32,282.17
Total $730,322.57 $82,410.00 $155,732.40 $968,464.97

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