3909 Ray Street, Panama City Beach, FL 32408 (MLS# 782259)

HOA Fee: No

New Buyer Fee: No

Last Taxes: 4473

Last Tax Year: 2024

Brokerage Interest: No Interest

As Is: Yes

List Price/SqFt: 260.42

Status: Under Contract - Taking Backups

List Date: 2025-12-01

List Price: $550,000

Current Price: $550,000

Sub Area: 0323 - Beach - South of Grand Lagoon

Community/Resort: Holiday Beach

Waterfront: No

Elementary School: Patronis

Middle School: Surfside

High School: Arnold

Directions: From the intersection of Highway 98 and Navy Boulevard (Thomas Drive), head west on Thomas Drive, turn right onto Raven Street, take a left onto Sunset Avenue, and then turn right onto Ray Street; the property is located on the right.

Area: 03 - Bay County - Beach

Street #: 3909

Street Name: Ray

Street Suffix: Street

State: FL

Zip Code: 32408

County: Bay

Subdivision: Holiday Beach Unit 7

Parcel ID: 30753-032-000

Legal Description: HOLIDAY BEACH UNIT #7 LOT 18 BLK 2 ORB 4663 P 614

Acreage: 0.18

Design: N/A

Lot Size (SqFt): 7710

Apx SqFt(Htd/Cooled): 2112

Construction Status: Construction Complete

SqFt Source: Prop App Site

Lot Dimensions: 50 x 155

New Construction: No

Garage Y/N: No

Pool: No

Sub-Type: Multi Family

Bedrooms: 3

Full Baths: 4

Total Baths: 4

Year Built: 1983

Remarks: CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS. Imagine your own fully furnished coastal retreat--two homes, one unbeatable opportunity--set less than a 1/2 mile from the shimmering sands of Panama City Beach. Nestled in the sought-after South Lagoon area, this turnkey property features a 2-bedroom, 3-bathroom main home with an additional bonus bunk room, perfect for hosting guests or maximizing short-term rental income ($84k RENTAL PROJECTIONS). Inside, a modern kitchen stuns with quartz countertops, stainless steel appliances, and a seamless open floor plan designed for easy living. Enjoy coffee on the upstairs balcony, soak under the stars in your private hot tub, or kick back in the breezy front patio area. But the standout feature? A fully equipped 1-bedroom, 1-bathroom guest house tucked away in the back--complete with its own driveway, kitchen, and separate entrance. Whether you're a house hacker, investor, or just someone who loves your friends and family--but not enough to let them stay in your house--this setup absolutely delivers. Ready to turn your investment goals into beachside reality? Schedule your private tour today.

Second: 1

First: 1

First: 1

Second: 1

Spa/ Hot Tub: 1

Cooktop - Electric: 1

Microwave: 1

Oven - Electric: 1

Refrigerator: 1

Breakfast Bar: 1

Floor - Tile: 1

Floor - Vinyl Plank: 1

Lighting - Recessed: 1

Stairs: 1

Roof - Metal: 1

Siding - Stucco: 1

Balcony: 1

Deck Covered: 1

Fenced Back Yard: 1

Patio Covered: 1

Guest House: 1

Cash: 1

Conventional: 1

FHA: 1

VA: 1

Furnished: 1

Bonus Room: 1

First: 1

First: 1

Within 1/2 Mile to Water: 1

MBath Shower Only: 1

Bedroom: 1

Bonus Room: 1

Dining Room: 1

Full Bathroom: 1

Kitchen: 1

Laundry: 1

Living Room: 1

Master Bathroom: 1

Master Bedroom: 1

Cable - Available: 1

Electricity - Connected: 1

Public Water - Connected: 1

Septic Tank: 1

Lagoon: 1

As Is: 1

First: 1

Second: 1

Second: 1

Second: 1

Central Air: 1

Central: 1

Under Contract Date: 2026-03-26