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Harrison Lilly

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

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6532 Waverly St , Youngstown, FL 32466
$339,000
Est. Payment: $1,719.34/mo
2 Bed
2 Bath
2096 Sqft
Status: active | Days on site: 23
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Have you ever dreamed of having your own horses, a flourishing garden, and a peaceful retreat away from the hustle and bustle? This inviting country-style property makes that dream possible while enjoying all that Panama City has to offer families. Set on 1.88 acres, the home offers an exceptional blend of privacy, character, space, and opportunities for outdoor enjoyment while just 25 minutes to Panama City Beach for the best of both worlds. A fenced portion of the yard provides a secure area for children or pets while preserving the freedom and beauty of the larger parcel. With ample room for horses, gardening, recreation, and peaceful country living, this property offers the space to create the lifestyle you have always imagined. Inside, the spacious great room serves as the heart of the home, featuring dramatic vaulted cedar ceilings and a warm cedar accent wall that adds natural beauty and timeless charm. Skylights throughout the home fill the interior with soft natural light, while the generously sized bedrooms provide comfort and flexibility. The impressive 17x15 primary suite includes a private en suite bath and an additional attached room, ideal for a sitting room, home office, dressing room, nursery, exercise space, or private retreat. An attic fan provides added ventilation and may help improve the home's overall comfort and energy efficiency. Step outside to enjoy the pool, screened porch, and expansive grounds designed for both relaxation and productivity. Garden enthusiasts will appreciate the two existing raised beds, abundant space for additional gardens, and a remarkable blueberry patch known to produce approximately 100 pounds of blueberries each year. The property also features two pear trees, one pecan tree, and two Japanese persimmon trees. Storage and workspace are plentiful. A 23x10 workroom or hobby space is conveniently located near the living room, while the wired 26x12 carpentry workshop, with tools, offers plenty of room for serious weekend projects or everyday tasks. The property also includes a 12x7 storage shed, a 6x8 garden shed, and a carport. The home is equipped with a dedicated auxiliary power circuit box designed for use with a dual-fuel Westinghouse generator, offering added convenience, comfort, and peace of mind during power outages. Real storm shutters provide additional protection, while the 350-foot well offers fresh, pure water. The septic system was pumped in 2023. The Westinghouse generator, workshop tools, and one-year-old Cub Cadet 50-inch riding lawn mower may convey with an acceptable offer. From quiet mornings on the screened porch and afternoons beside the pool to harvesting fresh fruit, tending the garden, completing projects in the workshop, or caring for your horses. This one-of-a-kind property offers a gracious country lifestyle while remaining conveniently close to grocery stores, everyday amenities, and, of course, the white sands and emerald waters of Panama City Beach.

Highlights

Listed by Heather Fox , 850-541-5774 Beachy Beach Real Estate , 850-532-6262. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
1.88

Year Built

1985

County

Bay

Area

04 - Bay County - North

Neighborhood

Floribay

Listing ID

792617

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Electric Oven, Electric Range, Electric Water Heater
Air Cond:Attic Fan,Central Air,Ceiling Fan(s),Heat Pump
Fireplaces:
Other:
  • Additional:Main Level Primary, Shower Only, Workshop

Exterior Features

Lot:Paved
Lot Dimensions:250X320
Others:
  • Additional:Porch
Principal Interest
$1,719
Taxes
$71

Home Price

$339,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$67,800
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:
$1,719.34

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,719.34 $71.33 $0.00 $1,790.68
Yearly $20,632.13 $856.00 $0.00 $21,488.13
Total $618,963.85 $25,680.00 $0.00 $644,643.85

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 (Youngstown, 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