528 MILLS Lane, Panama City, FL 32404 (MLS# 762987)

528 MILLS Lane, Panama City, FL 32404

$965,000

Welcome to WATERFRONT luxury at 528 Mills Lane.

Savor the PRIVATE COASTAL LIVING this gorgeous property offers...

Pinpoint of 528 Mills Lane with Laird Bayou in the back yard and easy access matched with close proximity to East Bay and the Gulf of Mexico.

Back view of 528 Mills Lane from your private dock.

This split floor plan is so open and airy with 12'-14' ceilings and space that transitions with ease!

Come on in...we're excited to have you here...

As one of the two main living areas in the home, this gorgeous space offers magnificent views of the water and tons of natural light.

Primary Suite
The Primary Suite is massive and the custom ceilings expand the space to 13' in height!

The sitting area in the Primary Suite would also make an ideal space for workout equipment or doing yoga.

The Primary en-suite Bathroom is incredibly spacious!

• The Primary Suite has a whirlpool tub and oversized walk-in shower.

The Primary Suite has custom double vanities, granite countertops, and plenty of storage.

This living area features double-tray ceilings, extending the ceiling height to 14-feet!

• The living area is not only impressive in size but also exceptionally functional.

Bedroom 2 is the perfect space for a home office!

The Dining Room features chair railing and a lovely chandelier.

The dining room features a huge custom arched window that fills the room with so much natural light.

The Dining Room is just off the Kitchen and front entryway.

With full pane French Doors and large windows, the Breakfast nook and Kitchens offer beautiful views of the back yard and water.

The large eat-in-bar is perfect for hanging out, having a bite to eat, or entertaining guests.

The Breakfast Nook opens straight into the Great Room.

The Great Room's focal points are the build in fireplace and stunning waterscapes.

The Great Room features double tray ceilings extending the ceiling height to 14-feet!

• Perfect for creating beverages, displaying your favorite vintages, or delighting guests with culinary creations, the bar area provides fantastic storage and display opportunities.

The Chef's Kitchen features custom cabinetry, stainless steel appliances, a double oven, and loads of counter space!

Entertaining guests couldn't be easier in this Chef's Kitchen!

The chore of washing dishes takes on new light when the view from the sink is this spectacular!

The SCREENED IN BACK PORCH offers an extension of your indoor living space, as it is accessible from both the Primary Suite and the Kitchen, that are both appointed with full glass panel French doors.

Enjoy the magnificent sunsets and spectacular water views without all the pesky bugs thanks to the tightly woven No-See-Um rated SCREENED IN BACK PORCH.

Bedroom 3 is spacious and full of natural light~

Bedroom 3 offers two (2) closets plus additional over closet storage.

The Full Bathroom is directly accessible from Bedroom 3 and also through the hallway.

Bedroom 4 offers a private en-suite bathroom, perfect for guests.

Bedroom 4 is well-sized and has plentry of room for a sitting area.

Bedroom 4's En-Suite Bathroom features a tub/shower combination, a large vanity with custom cabinetry, and a large walk-in closet.

The large laundry room has built in cabinets and a sizeable storage closet.

Inside the 800+ SF attached 3-car garage.

The spacious driveway offers impressive parking for guests.

No need to mess with backing up to park or store your vehicles or toys--this custom detached pull-through garage offers full size garage doors on both ends and ample space in the driveway to truly pull through the garage and drive away with ease.

Custom detached garage was built to match the home's architecture and style and offers abundant versatility. The space could easily be converted to additional living space, a workshop, a studio, and more!

Custom detached drive-thru garage with its own separate driveway—making access to the garage incredibly convenient!

Look at the inside of the detached garage! With over 1300+ sf of interior space, this drive-thru detached garage is appointed with a 9' x 18 (street side) garage door and an 8' x 18 (courtyard side) garage door and has a 12' vertical ceiling height—making it the perfect space for large vehicle and watercraft storage.

With a 9'x18' garage door on the street side and an 8'x18' garage door on the courtyard side, this CUSTOM DETACHED GARAGE is not only perfect for storing your toys, vehicles, watercraft, boats, ATVs, motorcycles, and more, but the fantastic airflow that cycles through the garage when both garage doors are open makes it an ideal workshop, too!

Gorgeous grass surrounds the entire home with plenty of open space for a pool!

Back view of 528 Mills Lane, the screened in back porch, and the down sloping back yard.

Your private dock! You are going to love having your boat right behind your house!

Having 119’ water frontage with deep water and your boat right in your back yard, this is luxury WATERFRONT living at its finest!

528 Mills Lane is a ONE OF A KIND waterfront retreat!

An aerial view of 528 Mills Lane and the idyllic waterscape this property affords you each day.

Aerial view of 528 Mills Lane and the surrounding area to the south.

An aerial view of 528 Mills Lane looking to the north of the property.

Property Type: Residential Bedrooms: 4 Baths: 3 Square Footage: 3,446 Lot Size (sq. ft.): 36,155 Status: Sold

Current Price: $965,000 List Date: 9/21/2024 Last Modified: 11/21/2025

Overview

Description

**CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS** This is your opportunity to live life on the water's edge! With the backdrop of your yard being glistening deep water that takes you from the East Bay to the open Gulf of Mexico, this idyllic waterfront property offers endless opportunities for fishing, boating, and water enthusiasts alike. Nestled within a peaceful coastal sanctuary, this meticulously designed executive style home provides the most spectacular private sunset views and serene living at its finest. Situated on .83 acres with 119' of deep water frontage, this updated single level home features 3,446 square feet of living space, 4 bedrooms, 3 full baths, an expansive layout, and unparalleled storage versatility with its 800+ SF 3-car oversized attached garage outfitted with three, 10-foot doors, a raised ceiling, and a floored attic– PLUS the custom built 1,400 SF drive-thru detached all brick garage complete with 18-foot wide doors at each end, a tankl … (Read more) **CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS** This is your opportunity to live life on the water’s edge! With the backdrop of your yard being glistening deep water that takes you from the East Bay to the open Gulf of Mexico, this idyllic waterfront property offers endless opportunities for fishing, boating, and water enthusiasts alike. Nestled within a peaceful coastal sanctuary, this meticulously designed executive style home provides the most spectacular private sunset views and serene living at its finest. Situated on .83 acres with 119′ of deep water frontage, this updated single level home features 3,446 square feet of living space, 4 bedrooms, 3 full baths, an expansive layout, and unparalleled storage versatility with its 800+ SF 3-car oversized attached garage outfitted with three, 10-foot doors, a raised ceiling, and a floored attic– PLUS the custom built 1,400 SF drive-thru detached all brick garage complete with 18-foot wide doors at each end, a tankless water heater, rinse-off shower, sink, multiple floor drains, ”over garage” storage area, and a 12′ vertical ceiling height. Built atop a highly enviable 14-foot elevated build site and constructed to carefully considered hurricane specifications, your peace of mind is met with the home’s outstanding low maintenance durability, allowing you freedom to enjoy your luxury waterfront lifestyle. Flanked by rustling palm trees lining the driveway, this stunning home embodies luxury, quality, and elegance. As you enter the front doors, you’re welcomed by custom designed 12-foot ceilings, lovely tile floors, beautiful passageway arches, custom oversized hurricane rated impact glass windows, crown molding, tray ceilings, new ultra-plush carpet, real wood blinds, two living areas, and an amazingly spacious split floor plan that transitions with ease. The dining room is just off the foyer area and leads to two of the home’s bedrooms with en-suites, the laundry room, and the attached oversized 3-car garage. The Primary Suite is tucked away on the other side of the home adjacent to a spacious living area with 14-foot double tray ceilings and custom arched windows that fill the room with an abundance of natural light and exceptional sunset vistas, and right past a bedroom adorned with 10-foot French doors, making it the perfect space for a home office. Upon entering through the Primary Suite’s oversized double doors, you’ll find a master retreat that exudes tranquility and privacy. With tons of natural light, gorgeous views of the bayou’s shimmering water, two large walk-in closets, soaring ceilings with oversized cutouts that extend the ceilings to 13-feet, a sitting area or workout space that leads to direct private access to the screened-in porch, and an en-suite master bath complete with double vanities, an oversized tiled shower, whirlpool tub, private water closet, custom cabinetry, and its own 47-gallon hot water heater, the Primary Suite is an absolute dream! Passing back through the open living area and continuing on to the other side of the home, you’ll find the heart of this thoughtfully designed entertainer’s layout as you discover the airy breakfast nook and the generous chef’s kitchen that both open up to the spacious Great Room that features a fireplace, 13-foot double-tray ceilings, recessed lighting, and oversized custom windows that display your endless waterscapes. The well-appointed kitchen offers a breakfast bar for eating and entertaining, stainless-steel appliances, a double oven, custom cabinetry, built-in wine racks, granite counters, a corner pantry, and a bar area ideal for preparing beverages or entertaining guests. The breathtaking views captured through the breakfast nook’s large windows and out the full panel French doors that open the kitchen to the new screened-in porch make this space absolutely magnificent. Don’t miss out on the rare opportunity to own a piece of waterfront paradise and savor private coastal living!

Listing Details MLS# 762987

Contract Info

List Price/SqFt: 283.81

Location

Area: 05 – Bay County – East
Street #: 528
Street Name: MILLS
Street Suffix: Lane
State: FL
Zip Code: 32404
County: Bay
Sub Area: 0516 – Bay East – Sandy Creek/East Callaway Heights
Subdivision: The Oaks
Community/Resort: None
Waterfront: Yes
Gulf Access: Yes
Parcel ID: 06699-201-000
Elementary School: Callaway
Middle School: Rutherford Middle
High School: Rutherford
Directions: From TYNDALL PARKWAY, turn EAST onto HWY 22. Turn RIGHT onto N. STAR AVE. Turn LEFT onto OLD BICYCLE ROAD. Turn RIGHT onto MILLS LANE. Property is the first home on the RIGHT.
Legal Description: THE OAKS 163B LOT 1 ORB 3967 P 369

General Property Info

Sub-Type: Detached Single Family
Design: Contemporary
Apx SqFt(Htd/Cooled): 3446
SqFt Source: An Appraiser
Full Baths: 3
Total Baths: 3
Year Built: 2005
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: 7
Lot Dimensions: 100x352x143x251
Acreage: 0.83
Lot Size (SqFt): 36155
Pool: No

Status Change Info

Under Contract Date: 2024-12-05
Sold Date: 2025-01-13
Sold Price/SqFt: 280.03
Sold Price/Acre: 1162650.6

Waterfront Feature

Waterfront Feet: 119'
Boat Slip: Yes
Dock: Yes
Bulkhead/Seawall: Yes

Listing Info, Tax and Legal

Homestead: Yes
HOA Fee: No
New Buyer Fee: No
Brokerage Interest: No Interest
As Is: Yes

More Information

Remarks & Misc

Remarks: **CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS** This is your opportunity to live life on the water's edge! With the backdrop of your yard being glistening deep water that takes you from the East Bay to the open Gulf of Mexico, this idyllic waterfront property offers endless opportunities for fishing, boating, and water enthusiasts alike. Nestled within a peaceful coastal sanctuary, this meticulously designed executive style home provides the most spectacular private sunset views and serene living at its finest. Situated on .83 acres with 119' of deep water frontage, this updated single level home features 3,446 square feet of living space, 4 bedrooms, 3 full baths, an expansive layout, and unparalleled storage versatility with its 800+ SF 3-car oversized attached garage outfitted with three, 10-foot doors, a raised ceiling, and a floored attic– PLUS the custom built 1,400 SF drive-thru detached all brick garage complete with 18-foot wide doors at each end, a tankless water heater, rinse-off shower, sink, multiple floor drains, ''over garage'' storage area, and a 12' vertical ceiling height. Built atop a highly enviable 14-foot elevated build site and constructed to carefully considered hurricane specifications, your peace of mind is met with the home's outstanding low maintenance durability, allowing you freedom to enjoy your luxury waterfront lifestyle. Flanked by rustling palm trees lining the driveway, this stunning home embodies luxury, quality, and elegance. As you enter the front doors, you're welcomed by custom designed 12-foot ceilings, lovely tile floors, beautiful passageway arches, custom oversized hurricane rated impact glass windows, crown molding, tray ceilings, new ultra-plush carpet, real wood blinds, two living areas, and an amazingly spacious split floor plan that transitions with ease. The dining room is just off the foyer area and leads to two of the home's bedrooms with en-suites, the laundry room, and the attached oversized 3-car garage. The Primary Suite is tucked away on the other side of the home adjacent to a spacious living area with 14-foot double tray ceilings and custom arched windows that fill the room with an abundance of natural light and exceptional sunset vistas, and right past a bedroom adorned with 10-foot French doors, making it the perfect space for a home office. Upon entering through the Primary Suite's oversized double doors, you'll find a master retreat that exudes tranquility and privacy. With tons of natural light, gorgeous views of the bayou's shimmering water, two large walk-in closets, soaring ceilings with oversized cutouts that extend the ceilings to 13-feet, a sitting area or workout space that leads to direct private access to the screened-in porch, and an en-suite master bath complete with double vanities, an oversized tiled shower, whirlpool tub, private water closet, custom cabinetry, and its own 47-gallon hot water heater, the Primary Suite is an absolute dream! Passing back through the open living area and continuing on to the other side of the home, you'll find the heart of this thoughtfully designed entertainer's layout as you discover the airy breakfast nook and the generous chef's kitchen that both open up to the spacious Great Room that features a fireplace, 13-foot double-tray ceilings, recessed lighting, and oversized custom windows that display your endless waterscapes. The well-appointed kitchen offers a breakfast bar for eating and entertaining, stainless-steel appliances, a double oven, custom cabinetry, built-in wine racks, granite counters, a corner pantry, and a bar area ideal for preparing beverages or entertaining guests. The breathtaking views captured through the breakfast nook's large windows and out the full panel French doors that open the kitchen to the new screened-in porch make this space absolutely magnificent. Don't miss out on the rare opportunity to own a piece of waterfront paradise and savor private coastal living!

Breakfast Room

First: Yes

Dining Room

First: Yes

Great Room

First: Yes

Appliances

Dishwasher: Yes
Disposal: Yes
Microwave: Yes
Range – Electric: Yes
Water Heater – Electric: Yes
Water Heater – Tankless: Yes

Interior Features

Breakfast Bar: Yes
Ceiling – Coffered: Yes
Ceiling – Crwn Molding: Yes
Ceiling – Raised: Yes
Ceiling – Vaulted: Yes
Fireplace: Yes
Floor – Hardwood: Yes
Floor – Tile: Yes
Lighting – Recessed: Yes
Pantry: Yes
Security System: Yes
Split Bedroom: Yes

Construction/Siding

Brick: Yes
Foundation – Slab on Grade: Yes
Wood/Frame: Yes
Roof – Composite Shngl: Yes
Trim – Aluminum: Yes
Trim – Vinyl: Yes

Exterior

Columns: Yes
Double Pane Windows: Yes
Porch Screened: Yes
Sprinkler System: Yes
Storm Windows: Yes

Other Structures

Garage(s): Yes
RV/Boat Storage: Yes
Second Garage: Yes
Workshop: Yes

Financing

Cash: Yes
Conventional: Yes
FHA: Yes
VA: Yes
Other: Yes

Furnished

Unfurnished: Yes

Interior

Floor – Carpet: Yes
Smart Thermostat: Yes

Kitchen

First: Yes

Living Room

First: Yes

Lot Features

Cul-De-Sac: Yes
Improved Lots: Yes
Landscaped: Yes
Subdivision – Recorded: Yes
Sloping: Yes
Waterfront: Yes
Within 1/2 Mile to Water: Yes

Lot Access

City Street: Yes
County Road: Yes
Paved Road: Yes

Parking Features

Additional Parking: Yes
Boat: Yes
Detached: Yes
Drive Through: Yes
Driveway: Yes
Garage Attached: Yes
Garage Detached: Yes
Garage Door Opener: Yes
Oversized: Yes
Paved: Yes
RV Access/Parking: Yes

Mstr Bath / Mstr Bdrm

MBath Double Vanity: Yes
MBath Garden Tub: Yes
MBath Separate Shwr: Yes
MBath Whirlpool: Yes
MBed First Floor: Yes
MBed Sitting Area: Yes
MBed Walk-in Closet: Yes
MBed Waterfront: Yes

Present Zoning

Resid Single Family: Yes

Rooms

Bedroom: Yes
Breakfast Room: Yes
Dining Room: Yes
Great Room: Yes
Kitchen: Yes
Living Room: Yes
Master Bedroom: Yes

Utilities

Cable – Available: Yes
Electricity – Connected: Yes
Internet – Broadband Available: Yes
Phone – Connected: Yes
Phone – Available: Yes
Private Well: Yes
Private Well – Shared: Yes
Water Connected: Yes
Septic Tank: Yes
Underground Utilities: Yes

Waterview

Bay: Yes
Bayou: Yes
Unobstructed: Yes

Sale Type

As Is: Yes

Waterfront Type

Bay/Harbor: Yes
Bayou w/ Gulf Access: Yes

Master Bedroom

First: Yes

Bedroom

First: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes
Electric: Yes

Heating

Central: Yes
Electric: Yes
ENERGY STAR Qualified Equipment: Yes
Heat Pump: Yes

Security Features

Carbon Monoxide Detector: Yes
Prewired: Yes
Security Lights: Yes
Security System: Yes
Smoke Detector(s): Yes

Property Features

Appliances: Dishwasher; Disposal; Microwave; Range – Electric; Water Heater – Electric; Water Heater – Tankless Master Bedroom: First Bedroom: First Cooling: Ceiling Fan(s); Central Air; Electric Heating: Central; Electric; ENERGY STAR Qualified Equipment; Heat Pump Exterior: Columns; Double Pane Windows; Porch Screened; Sprinkler System; Storm Windows Financing: Cash; Conventional; FHA; VA; Other Furnished: Unfurnished Interior: Floor – Carpet; Smart Thermostat Kitchen: First Living Room: First Lot Features: Cul-De-Sac; Improved Lots; Landscaped; Sloping; Subdivision – Recorded; Waterfront; Within 1/2 Mile to Water Lot Access: City Street; County Road; Paved Road Breakfast Room: First Dining Room: First Great Room: First Security Features: Carbon Monoxide Detector; Prewired; Security Lights; Security System; Smoke Detector(s) Parking Features: Additional Parking; Boat; Detached; Drive Through; Driveway; Garage Attached; Garage Detached; Garage Door Opener; Oversized; Paved; RV Access/Parking Other Structures: Garage(s); RV/Boat Storage; Second Garage; Workshop Rooms: Bedroom; Breakfast Room; Dining Room; Great Room; Kitchen; Living Room; Master Bedroom Sale Type: As Is Utilities: Cable – Available; Electricity – Connected; Internet – Broadband Available; Phone – Available; Phone – Connected; Private Well; Private Well – Shared; Septic Tank; Underground Utilities; Water Connected Waterfront Type: Bay/Harbor; Bayou w/ Gulf Access Waterfront Feature: Boat Slip; Bulkhead/Seawall; Dock; Bulkhead/Seawall Waterview: Bay; Bayou; Unobstructed Present Zoning: Resid Single Family

Room Information

Room Name	Level	Dimensions	Length	Width
Master Bedroom	First	29 x 15	29.00	15.00
Bedroom	First	16 x 14	16.00	14.00
Bedroom	First	16 x 12	16.00	12.00
Bedroom	First	16 x 12	16.00	12.00
Dining Room	First	16 x 12	16.00	12.00
Living Room	First	20 x 19	20.00	19.00
Kitchen	First	14 x 14	14.00	14.00
Breakfast Room	First	11 x 10	11.00	10.00
Great Room	First	20 x 18	20.00	18.00

Listing Office: Sand Dunes Real Estate, LLC

Last Updated: November – 21 – 2025

Information deemed reliable but not guaranteed.