$645,000
Panama City Beach, FL 32408
MLS# 785975
5 beds | 3 baths | 2088 sqft

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Property Description
ADORABLE DUPLEX WITH MULTIPLE POSSIBILITIES! * Live in one side, rent the other out. * Short term rent both units. * Short term rent one side, mid or long-term rent the other. THE CHOICE IS YOURS! SIDE A: MYSTIC SURF --3 BR, Sleeps 8 - King, King, King + Twin/Twin Trundle --1 Full, 1 Half Bath --Surf/wave murals in every bedroom --Full Kitchen with lots of counter space --Private Patio --Storage shed --Electric fireplace! SIDE B: MYSTIC SUN --2 BR, Sleeps 4 - King, King rooms --1 Full Bath --Full Kitchen --Private Patio --Storage shed --Wood-burning fireplace! LOCATION: **Across the street from public lagoon access. **One block to public boat ramp. **Walk to public beach access #11, just 7 blocks away. **Walk to Buster's Beer and Bait. **Drive to Schooner's and the St Andrews State Park. Don't miss your opportunity for 100% bonus depreciation this year. Ask your CPA how you can SAVE BIG MONEY ON TAXES! Come see this today! We look forward to receiving your offer! See the walkthrough video attached to this listing, and ask your agent for the Airbnb link as well. Thank you for your interest. We look forward to your offer!
Details
Maps
Listing Info, Tax and Legal
HOA Fee: No
Is Subject Leased: No
New Buyer Fee: No
Last Taxes: 6028
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: Yes
Contract Info
List Price/SqFt: 308.91
Status: Active
List Date: 2026-02-27
List Price: $645,000
Current Price: $645,000
Location
Unit #: A & B
Sub Area: 0323 - Beach - South of Grand Lagoon
Community/Resort: None
Waterfront: No
Elementary School: Patronis
Middle School: Surfside
High School: Arnold
Directions: From Thomas Drive, turn north (away from Gulf) on Luft St, left on Pinetree, right on Mystic. Property is on the right on the corner of Mystic and S. Lagoon Dr.
Area: 03 - Bay County - Beach
Street #: 3707
Street Name: Mystic
Street Suffix: Street
State: FL
Zip Code: 32408
County: Bay
Subdivision: Biltmore Beach 1st Add
Parcel ID: 32050-000-000
Legal Description: BILTMORE BEACH 1ST ADD LOT 1 BLK F ORB 4552 P 508
General Property Info
Acreage: 0.13
Design: Duplex
Lot Size (SqFt): 5663
Apx SqFt(Htd/Cooled): 2088
Immediate Occupancy: Yes
Construction Status: Construction Complete
SqFt Source: Prop App Site
Half Baths: 1
# of Stories in Building: 2
Lot Dimensions: 58x100
New Construction: Yes
Garage Y/N: No
Driveway Spaces: 4
Pool: No
Sub-Type: Attached Single Unit
Bedrooms: 5
Full Baths: 2
Total Baths: 3
Year Built: 1981
Remarks & Misc
Remarks: ADORABLE DUPLEX WITH MULTIPLE POSSIBILITIES!
* Live in one side, rent the other out.
* Short term rent both units.
* Short term rent one side, mid or long-term rent the other.
THE CHOICE IS YOURS!
SIDE A: MYSTIC SURF
--3 BR, Sleeps 8 - King, King, King + Twin/Twin Trundle
--1 Full, 1 Half Bath
--Surf/wave murals in every bedroom
--Full Kitchen with lots of counter space
--Private Patio
--Storage shed
--Electric fireplace!
SIDE B: MYSTIC SUN
--2 BR, Sleeps 4 - King, King rooms
--1 Full Bath
--Full Kitchen
--Private Patio
--Storage shed
--Wood-burning fireplace!
LOCATION:
**Across the street from public lagoon access.
**One block to public boat ramp.
**Walk to public beach access #11, just 7 blocks away.
**Walk to Buster's Beer and Bait.
**Drive to Schooner's and the St Andrews State Park.
Don't miss your opportunity for 100% bonus depreciation this year. Ask your CPA how you can SAVE BIG MONEY ON TAXES!
Come see this today! We look forward to receiving your offer!
See the walkthrough video attached to this listing, and ask your agent for the Airbnb link as well.
Thank you for your interest. We look forward to your offer!
Appliances
Dishwasher: 1
Dryer: 1
Microwave: 1
Oven - Electric: 1
Refrigerator: 1
Washer: 1
Water Heater - Electric: 1
Interior Features
Breakfast Bar: 1
Floor - Vinyl Plank: 1
Window - Treatment All: 1
Construction/Siding
Roof - Metal: 1
Siding - Stucco: 1
Exterior
Fenced Lot-Part: 1
Patio Open: 1
Financing
Cash: 1
Conventional: 1
Furnished
Furnished: 1
Interior
Smart Thermostat: 1
Living Room
First: 1
Lot Features
Within 1/2 Mile to Water: 1
Lot Access
City Street: 1
Paved Road: 1
Parking Features
Driveway: 1
Present Zoning
Resid Multi-Family: 1
Rooms
Bedroom: 1
Living Room: 1
Showing
ShowingTime: 1
Utilities
Electricity - Connected: 1
Public Water - Connected: 1
Septic Tank: 1
Waterview
Lagoon: 1
Sale Type
As Is: 1
Bedroom
First: 1
Second: 1
Cooling
Ceiling Fan(s): 1
Central Air: 1
Electric: 1
Heating
Central: 1
Electric: 1
Fireplace - Electric: 1
Property Features
Appliances: Dishwasher; Dryer; Microwave; Oven - Electric; Refrigerator; Washer; Water Heater - Electric
Bedroom: First; Second
Cooling: Ceiling Fan(s); Central Air; Electric
Heating: Central; Electric; Fireplace - Electric
Exterior: Fenced Lot-Part; Patio Open
Financing: Cash; Conventional
Furnished: Furnished
Interior: Smart Thermostat
Living Room: First
Lot Features: Within 1/2 Mile to Water
Lot Access: City Street; Paved Road
Parking Features: Driveway
Rooms: Bedroom; Living Room
Sale Type: As Is
Showing: ShowingTime
Utilities: Electricity - Connected; Public Water - Connected; Septic Tank
Waterview: Lagoon
Present Zoning: Resid Multi-Family
Room Information
| Room Name | Level | Dimensions | Length | Width | Remarks |
| Bedroom | First | 11.1 x 12.5 | 11.10 | 12.50 | Unit A - King Bed |
| Bedroom | Second | 14.5 x 12.5 | 14.50 | 12.50 | Unit A - King Bed |
| Bedroom | Second | 9.6 x 19.4 | 9.60 | 19.40 | Unit A - King Bed with Twin/Twin Trundle |
| Bedroom | First | 9.7 x 11.3 | 9.70 | 11.30 | Unit B - King Bed |
| Bedroom | First | 13.7 x 10.5 | 13.70 | 10.50 | Unit B - King Bed, Opens to Patio |
| Living Room | First | 11.9 x 13.8 | 11.90 | 13.80 | A side living space |
| Living Room | First | 9.7 x 11.8 | 9.70 | 11.80 | B side living space |
Listing Office: EXP Realty LLC
Last Updated: May - 04 - 2026
Information deemed reliable but not guaranteed.
