3820 Treasure Circle, Panama City Beach, FL 32408 (MLS# 784905)

HOA Fee: No

New Buyer Fee: No

Last Taxes: 4820

Last Tax Year: 2025

Brokerage Interest: No Interest

List Price/SqFt: 236.36

Status: Active

List Date: 2026-02-07

List Price: $559,000

Current Price: $559,000

Sub Area: 0323 - Beach - South of Grand Lagoon

Community/Resort: None

Waterfront: No

Elementary School: Patronis

Middle School: Surfside

High School: Arnold

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.

Area: 03 - Bay County - Beach

Street #: 3820

Street Name: Treasure

Street Suffix: Circle

State: FL

Zip Code: 32408

County: Bay

Subdivision: Treasure Island

Parcel ID: 31582-000-000

Legal Description: TREASURE ISLAND LOT 14 BLK 10 ORB 4483 P 1278

Acreage: 0.15

Design: Beach House

Lot Size (SqFt): 6360

Apx SqFt(Htd/Cooled): 2365

Construction Status: Construction Complete

SqFt Source: Owner Measured

Lot Dimensions: 75 x 85

New Construction: No

Garage Y/N: No

Pool: No

Sub-Type: Detached Single Family

Bedrooms: 5

Full Baths: 4

Total Baths: 4

Year Built: 1983

Remarks: 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.

Third: 1

Second: 1

First: 1

Dishwasher: 1

Disposal: 1

Microwave: 1

Oven - Electric: 1

Range - Electric: 1

Refrigerator: 1

Water Heater - Electric: 1

Breakfast Bar: 1

Ceiling - Cathedral: 1

Fireplace: 1

Floor - Laminate: 1

Kitchen Island: 1

Lock Out Unit: 1

Split Bedroom: 1

Foundation - Stilts: 1

Wood/Frame: 1

Roof - Metal: 1

Siding - Wood: 1

Balcony: 1

Deck Covered: 1

Deck Open: 1

Fenced Back Yard: 1

Fenced Privacy: 1

Shower: 1

Shed(s): 1

Cash: 1

Conventional: 1

Unfurnished: 1

Bunk Room: 1

Corner Lot: 1

Within 1/2 Mile to Water: 1

City Street: 1

Paved Road: 1

Driveway: 1

Resid Multi-Family: 1

Bunk Room: 1

Great Room: 1

Primary Bathroom: 1

Primary Bedroom: 1

Studio: 1

Public Sewer - Connected: 1

Public Water - Connected: 1

Lagoon: 1

Short Sale: 1

Central Air: 1

Central: 1