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Harrison Lilly

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

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13709 Windsor Ave , Youngstown, FL 32466
$189,900
Est. Payment: $963.14/mo
2 Bed
2 Bath
932 Sqft
Status: active | Days on site: 21
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to this beautifully built 2-bedroom, 2-bath home offering the perfect combination of durability, efficiency, and low-maintenance living. Constructed with solid concrete block and topped with a durable metal roof, this home is designed to provide years of comfort and peace of mind. Inside, you'll find an inviting open-concept floor plan with stylish concrete floors throughout, creating a clean, modern look that's both attractive and easy to maintain. The kitchen features stainless steel appliances, Formica countertops, and a convenient breakfast bar that flows seamlessly into the living and dining areas--perfect for everyday living or entertaining guests. Built with quality and efficiency in mind, this home includes a 17 SEER HVAC system, Low-E energy-efficient windows, a secondary roof water barrier, a septic system, private well water, and a concrete driveway. Enjoy relaxing mornings or evenings on the covered front porch, and a spacious lot offering plenty of room to enjoy the outdoors without the restrictions of an HOA. Conveniently located in a quiet area north of Panama City near Highway 231 and Highway 20, you'll enjoy easy access to shopping, dining, and recreation while still appreciating the privacy of country living. Just 30 minutes from Panama City and approximately 40 minutes from Panama City Beach, this home offers the ideal balance of tranquility and convenience. Whether you're looking for a primary residence, a second home, or an investment opportunity, this move-in-ready property is one you won't want to miss.

Highlights

Listed by Eddie A Navarez , 850-964-6033 Salty Marlin Realty LLC , 850-615-2406. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.09

Year Built

2022

County

Bay

Area

04 - Bay County - North

Neighborhood

[No Recorded Subdiv]

Listing ID

792223

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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:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Main Level Primary, Tub Shower, Walk-In Closet(s)

Exterior Features

Lot Dimensions:40X100
Zoning:Resid Single Family
Roof:Metal
Principal Interest
$963
Taxes
$115

Home Price

$189,900

Loan Details

30 yrs
6.529%

Down Payment

20%
$37,980
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:
$963.14

Principal

Taxes

Principal Taxes HOA Total
Monthly $963.14 $115.12 $0.00 $1,078.26
Yearly $11,557.64 $1,381.45 $0.00 $12,939.09
Total $346,729.31 $41,443.50 $0.00 $388,172.81

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