3 Beds
3 Baths
1,986 SqFt
3 Beds
3 Baths
1,986 SqFt
Key Details
Property Type Single Family Home
Sub Type Single Family Residence
Listing Status Active
Purchase Type For Sale
Square Footage 1,986 sqft
Price per Sqft $604
Subdivision Hampton Harbor
MLS Listing ID 779329
Style Craftsman
Bedrooms 3
Full Baths 3
HOA Y/N No
Year Built 2017
Annual Tax Amount $5,690
Tax Year 2024
Lot Size 9,583 Sqft
Acres 0.22
Property Sub-Type Single Family Residence
Property Description
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. Offered fully furnished and move-in ready, the property also presents an opportunity to purchase the boat currently at the home. The seller is having the boat appraised and will consider offers involving both the home and boat.
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, with 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. The interior also features black walnut cabinetry and custom-made, full-size solid oak bunks, adding distinctive craftsmanship and durable materials to the home. 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.
Additional property features are worth noting. All fencing that lines the property is owned by the seller. The side of the home includes a full RV hookup, along with a grinding system connected to the sewer. The irrigation system is supplied by well water, adding another practical feature for ongoing landscape maintenance.
For buyers comparing Panama City Beach waterfront homes with rental potential, 3530 Treasure Circle brings together private boating infrastructure, lagoon-mouth proximity, water views, screened outdoor living, furnished convenience, RV capability, and the option to purchase the boat for an even more complete waterfront setup.
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.
Location
State FL
County Bay
Community Short Term Rental Allowed
Area 03 - Bay County - Beach
Interior
Interior Features Balcony, Soaking Tub, Separate Shower, Upper Level Primary, Loft
Heating Central, Electric
Cooling Central Air
Fireplace No
Appliance Electric Oven, Electric Range, Electric Water Heater
Exterior
Exterior Feature Boat Lift, Boat Ramp, Dock, Porch
Fence Partial
Community Features Short Term Rental Allowed
Utilities Available Cable Connected, Electricity Available
Waterfront Description Lagoon,Boat Dock/Slip
View Y/N Yes
Water Access Desc Lagoon,Boat Dock/Slip
View Lagoon, Water
Roof Type Metal
Porch Balcony, Porch, Screened
Private Pool No
Building
Lot Description Sprinkler System
Story 2
Entry Level Two
Foundation Pillar/Post/Pier
Sewer Public Sewer
Architectural Style Craftsman
Level or Stories Two
Additional Building Shed(s)
New Construction No
Schools
Elementary Schools Patronis
Middle Schools Surfside
High Schools Arnold
Others
Restrictions Short Term Rentals Allowed
Tax ID 31430-010-000
Virtual Tour https://www.zillow.com/view-imx/3deae306-6f8b-4d79-a4db-15a053e3d7e0?setAttribution=mls&wl=true&initialViewType=pano&utm_source=dashboard
Nearby Locations
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