3530 Treasure Circle, Panama City, FL 32408 (MLS# 779329)

Homestead: No

HOA Fee: No

Is Subject Leased: No

New Buyer Fee: No

Last Taxes: 5690

Last Tax Year: 2024

Brokerage Interest: No Interest

Section: 16

Township: 4S

Range: 15W

Condo Doc: No

List Price/SqFt: 633.94

Status: Active

List Date: 2025-09-20

List Price: $1,259,000

Current Price: $1,259,000

Sub Area: 0323 - Beach - South of Grand Lagoon

Community/Resort: None

Waterfront: Yes

Gulf Access: Yes

Elementary School: Patronis

Middle School: Surfside

High School: Arnold

Directions: South bound on Thomas Drive from the Navy Base, cross the Treasure Island bridge, turn right into Trelawney ave, then right into Treasure Circle, house will be on your right.

Area: 03 - Bay County - Beach

Street #: 3530

Street Name: Treasure

Street Suffix: Circle

State: FL

Zip Code: 32408

County: Bay

Subdivision: Hampton Harbor

Parcel ID: 31430-010-000

Legal Description: HAMPTON HARBOUR 70B1 LOT 1 & WLY 21.8' LOT 2 ORB 3789 P 1246

Acreage: 0.22

Design: Craftsman Style

Lot Size (SqFt): 9583

Apx SqFt(Htd/Cooled): 1986

Immediate Occupancy: Yes

Construction Status: Construction Complete

SqFt Source: Prop App Site

# of Stories in Building: 2

Lot Dimensions: Irregular

New Construction: No

Garage Y/N: No

Driveway Spaces: 4

Pool: No

Sub-Type: Detached Single Family

Bedrooms: 3

Full Baths: 3

Total Baths: 3

Year Built: 2017

Remarks: RARE WATERFRONT. RENTAL PROJECTION OF $70K-$80K. PRIVATE DOCK + LIFT. Set near the mouth of the lagoon in Panama City Beach, this waterfront property offers the kind of location, scenery, and boating access that can stand out to both personal-use buyers and short-term rental investors. With a rental projection estimating year-one revenue of $70,000 to $80,000, this is more than a waterfront retreat--it is a scarce location-first opportunity with income-producing potential. Positioned on a quiet loop in one of the closest residential pockets to the lagoon mouth, the property offers quicker runs to open water, marinas, beaches, dining, and Panama City Beach attractions while still maintaining a calm, tucked-away feel at home. Out back, a private dock with powered boat lift makes ''go now'' boating simple. When dinner calls, it is an easy hop by boat across the lagoon to local favorites like Capt. Anderson's or The Grand Marlin, or stay dockside and fish for saltwater trout and redfish right from the backyard. The setting gives guests and owners a true waterfront experience: passing boats and jet skis, ospreys and eagles overhead, dolphins making regular rounds, and large-scale Fourth of July fireworks visible from the dock and both screened porches. These are the details that help separate a short-term rental from a standard beach-area property. Built with 2x6 construction, hurricane-rated doors and windows, spray-foam insulation throughout, including interior walls, and pilings driven approximately 47 feet, the home blends efficiency, resilience, and long-term utility. Inside, well-appointed living spaces are oriented toward the water and flow to a screened-in back porch. Upstairs, the primary suite has its own screened porch, creating another strong vantage point for enjoying the wildlife, watercraft, and lagoon views throughout the day. For buyers comparing Panama City Beach waterfront homes with rental potential, this property offers a rare combination: private boating infrastructure, lagoon-mouth proximity, water views, screened outdoor living, and projected year-one rental revenue of $70,000 to $80,000. The result is a waterfront property with both lifestyle appeal and investment positioning, exactly where you want to be when access, scenery, and income potential matter most. All information is believed accurate but not guaranteed; buyer to verify if important.

Second: 1

First: 1

First: 1

Second: 1

Second: 1

First: 1

Dishwasher: 1

Dryer: 1

Microwave: 1

Oven - Electric: 1

Range - Electric: 1

Refrigerator: 1

Washer: 1

Water Heater - Electric: 1

Floor - Tile: 1

Kitchen Island: 1

Pantry: 1

Split Bedroom: 1

Window - Treatment All: 1

Foundation - On Piling: 1

Wood/Frame: 1

Roof - Metal: 1

Siding - Hardie Board: 1

Trim - Hardie Board: 1

Balcony: 1

Double Pane Windows: 1

Fenced Lot-Part: 1

Porch Screened: 1

Sprinkler System: 1

Storm Doors: 1

Storm Windows: 1

Boat Launch: 1

Boatlift: 1

Dock: 1

Waterfront Feet: 20

Shed(s): 1

Cash: 1

Conventional: 1

VA: 1

Unfurnished: 1

Floor - Carpet: 1

First: 1

First: 1

Deeded Access Water: 1

Flood Insurance Req: 1

Survey Available: 1

Waterfront: 1

County Road: 1

Driveway: 1

MBath Garden Tub: 1

MBath Separate Shwr: 1

MBed Balcony: 1

MBed Waterfront: 1

Balcony: 1

Bedroom: 1

Covered Porch: 1

Full Bathroom: 1

Kitchen: 1

Laundry: 1

Living Room: 1

Loft: 1

Master Bathroom: 1

Master Bedroom: 1

Screened Porch: 1

ShowingTime: 1

TV Cable: 1

Electricity - Connected: 1

Private Well: 1

Public Sewer - Connected: 1

Lagoon: 1

First: 1

Lagoon/Estuary: 1

Second: 1

First: 1

Central Air: 1

Electric: 1

Central: 1

Electric: 1