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3530 Treasure Circle

Panama City, FL 32408
  • $1,239,000
  • STATUS: Active
  • ON SITE: 330 Days
  • MLS #: 779329
$1,239,000
  • 3
    BEDS
  • 0.22
    ACRES
  • 3
    BATHS
  • 0
    1/2 BATHS
  • 1,986
    SQFT
  • $624
    $/SQFT
Neighborhood:
Type:
Single-Family Home
Built:
2017
County:
Bay

School Information

Elementary School:
Middle School:
High School:

Description

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.

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© 2026 Central Panhandle Association of Realtors MLS. All rights reserved. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but is not guaranteed accurate by the MLS or The Ryan Group | Christie's International Real Estate Emerald Coast. Data last updated: 2026-08-17T00:04:06.657.
www.30agulfcoasthomes.com/homes/168118984
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3530 Treasure Circle Panama City, FL 32408

  • Price: $1,239,000
  • Status: Active
  • On Site: 330 Days
  • MLS #: 779329
3
Beds
3
Baths
0
½ Baths
0.22
Acres
1,986
SQFT
$624
$/SQFT
2017
Built
Neighborhood:
Hampton Harbor
County:
Bay
Area:
Bay County-Beach
Elementary School:
Patronis
Middle School:
Surfside
High School:
Arnold
Property Description
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.
Exterior Features

Architectural Style Craftsman Attached Garage YN No Construction Materials Hardi Plank Type Wood Frame Exterior Features Boat Lift Boat Ramp Dock Porch Fencing Partial Foundation Details Pillar / Post / Pier Garage YN No Levels Two Lot Features Sprinkler System Other Structures Shed(s) Patio And Porch Features Balcony Porch Screened Roof Metal Stories 2 View Lagoon Water View YN Yes

Interior Features

Appliances Electric Oven Electric Range Electric Water Heater Cooling Central Air Cooling YN Yes Door Features Storm Door(s) Heating Central Electric Heating YN Yes Interior Features Balcony Soaking Tub Separate Shower Upper Level Primary Loft Rooms Primary Bedroom (Second Level) Primary Bathroom (Second Level) Units Furnished None Window Features Double Pane Windows Storm Window(s)

Property Features

Association YN No Community Features Short Term Rental Allowed Land Lease YN No Listing Service Full Service Lot Size Dimensions Irregular New Construction YN No Occupant Type Occupied Property Sub Type Single Family Residence Property Sub Type Additional Single Family Residence Sewer Public Sewer Tax Annual Amount 5690 Tax Year 2024 Utilities Cable Connected Electricity Available Waterfront Features Lagoon Boat Dock / Slip Waterfront YN Yes

Central Panhandle Association of REALTORS (Panama City MLS) logo Listing provided courtesy of Coldwell Banker Realty: 850-234-6696. Listing information © 2026 Central Panhandle Association of Realtors MLS.


© 2026 Central Panhandle Association of Realtors MLS. All rights reserved. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but is not guaranteed accurate by the MLS or The Ryan Group | Christie's International Real Estate Emerald Coast. Data last updated: 2026-08-17T00:04:06.657.
 
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