Address
3820 Treasure Circle, Panama City Beach, FL
Price
$ 559,000
Property Attributes
- MLS#784905
- TypeSingle Family
- Listing Status Pending
- CountyBay
- CityPanama City Beach
- Area03 - Bay County - Beach
- NeighborhoodTreasure Island
- Zip32408
- Style
- Year Built1983
- Taxes$ 4820
- Price$ 559,000
- Bedrooms5
- Full Bathrooms4
- Half Bathrooms0
- Sqr Footage2365
- Lot Size0.15 Acres
Data Source:
Central Panhandle Association of REALTORS® (CPAR)
Property Description
BANK APPROVED SHORT SALE! READY TO CLOSE WHENEVER YOU ARE! Here's your chance to scoop up a bargain, well below appraised value, in a Prime Panama City Beach Location! Unlock the potential of this spacious, multi-level beach home zoned for short-term rentals. The ground level offers a private-entry studio apartment with full kitchen and bath, perfect for guests or rental income. The main residence comfortably sleeps 10 and features two primary suites with ensuite baths, open-concept living area, and kitchen with quartz countertops and a large island/breakfast bar. The top floor adds two bunkrooms and an additional full bath, ideal for kids or overflow guests. Wide wraparound balconies on both main levels overlook Treasure Island Marina and Captain Anderson's, plus a sun deck where you can watch the fishing fleet return at day's end. Most of the improvements made to the home, including roof, HVAC, kitchen(s), and baths have been done since 2021. Some cosmetic touch-ups could bring this property to its full potential. It is a unique OPPORTUNITY to score a great deal on a primary residence, vacation retreat, or income-producing investment on the beach. THIS IS A SHORT SALE. ALL OFFERS ARE SUBJECT TO THIRD-PARTY APPROVAL.
| Elementary School | Middle School | High School |
|---|---|---|
| Patronis Elementary School | Surfside Middle School | Arnold High School |
| Price History | |
|---|---|
| 2/9/2026 | Listed $625,000 |
| 2/27/2026 | 4$599,000 |
| 4/15/2026 | 7$559,000 |
General Features
| Sewer | Public Sewer |
|---|---|
| Property Subtype | Single Family Residence |
| Tax Year | 2025 |
| Community Features | Short Term Rental Allowed |
| County | Bay |
| Property Type | Residential |
| HOA | false |
| Subdivision Name | Treasure Island |
| Status | Pending |
| Directions | From Navy Base head S on Thomas Dr. (Navy Blvd), pass Capt. Andersons, cross Grand Lagoon Bridge, look for the large BLUE house on the right across from Treasure Island Marina. Turn Right on Flint, house on your immediate Left. |
| High School | Arnold |
| City | Panama City Beach |
| Zoning Description | Resid Multi-Family |
| MLS Area | 03 - Bay County - Beach |
| Lot Size Units | Acres |
| Lot Size Square Feet | 6360 |
| Elementary School | Patronis |
| Tax Annual Amount | 4820 |
| Middle/Junior High School | Surfside |
| MLS Area Minor | 0323 - Beach - South of Grand Lagoon |
| Standard Status | Pending |
| Property Sub Type Additional | Single Family Residence |
| Other Structures | Shed(s) |
| Occupancy Type | Vacant |
| Year Built | 1983 |
| Heating | Central |
| Cooling | Central Air |
| Appliances | Electric Oven,Electric Range,Electric Water Heater |
| Patio/Porch Features | Balcony,Deck |
| Construction Materials | Wood Siding,Wood Frame |
| View | Lagoon |
| Attached Garage | false |
| Garage Y/N | false |
| Total Rooms | 6 |
| Full Baths | 4 |
| Architectural Style | Coastal |
| New Construction | false |
| Roof | Metal |
Interior Features
| Total Baths | 4 |
|---|---|
| Interior Amenities | Shower Only,Upper Level Primary |
| Furnished Units | None |
| Air Conditioning Y/N | true |
| Heating Y/N | true |
| Total Bedrooms | 5 |
| LivingAreaSource | Owner |
Exterior Features
| Lot Features | Paved |
|---|---|
| Lot Size Area | 0.15 |
| Lot Dimensions | 75 x 85 |
| Lot Size Acres | 0.15 |
| Road Frontage Type | City Street |
| Building Area Total | 2365 |
| Waterfront Y/N | false |
| Exterior Amenities | Covered Patio,Deck,Outdoor Shower |
| Road Responsibility | Public Maintained Road |
| Fencing | Fenced,Privacy |
| Foundation Details | Pillar/Post/Pier |
Amenities
- Foreclosure
- Views
- Short Sale
- New Construction
- Adult 55+
- Lease To Own
- No HOA Fees
- Furnished
- Primary On Main
- Air Conditioning
- Seller Finance
- Green
- Fixer Upper
- Horse
- Golf
- Fireplace
- Deck
- Garage
- Basement
- Pool
Property vs Single Family Average in 32408
Price
Taxes
Year Built
Emerald Coast Association of REALTORS®, Inc. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers
Copyright © 2026 by the Multiple Listing Service of the Pensacola Association of
REALTORS ® This information is believed to be accurate but is not guaranteed. Subject to verification by all parties. This data is copyrighted and may not be transmitted, re-transmitted, copied, framed, re-purposed, or altered in any way for any other site, individual and/or purpose without the express written permission of the Multiple Listing Service of the Pensacola Association of REALTORS ®. Florida
Listing data provided by: Central Panhandle Association of Realtors (CPAR)
Information deemed reliable but not guaranteed. The information is provided exclusively for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
Navarre Area Board of Realtors® All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested
