109 Dragon Circle, Panama City, FL 32408 (MLS# 795021)

109 Dragon Circle, Panama City, FL 32408

New Listing

$1,195,000

Property Type: Residential Bedrooms: 5 Baths: 5 Square Footage: 4,536 Lot Size (sq. ft.): 20,909 Status: Active

Current Price: $1,195,000 List Date: 9/03/2026 Last Modified: 9/03/2026

Overview

Description

Experience elevated golf course living at 109 Dragon Circle, ideally positioned along the 8th green and 9th tee box of the prestigious Nicklaus Golf Course in Dragon's Ridge, the newer gated section of Bay Point in Panama City Beach. This beautifully updated residence blends refined finishes, generous living spaces, and resort-style outdoor living in one exceptional setting. Inside, an impressive, oversized kitchen island anchors the open entertaining space, complemented by updated bathrooms, flooring, and fresh interior and exterior paint. Spacious rooms and thoughtfully designed gathering areas create an effortless flow for both everyday living and entertaining. Outdoors, a private pool and hot tub overlooking the golf course create a true backyard retreat. The recently resurfaced pool, expansive outdoor space, three-car garage, oversized driveway, and park directly across the street further enhance the home's appeal. Bay Point offers a lifestyle unlike any other, with the Nicklaus … (Read more)

Listing Details MLS# 795021

Location

Area: 03 – Bay County – Beach
Street #: 109
Street Name: Dragon
Street Suffix: Circle
State: FL
Zip Code: 32408
County: Bay
Sub Area: 0319 – Beach – East
Subdivision: Bay Point Unit 1
Community/Resort: Bay Point Homes/Lots
Waterfront: No
Parcel ID: 31402-525-000
Elementary School: Patronis
Middle School: Surfside
High School: Arnold
Directions: From Thomas Drive, travel EAST on Magnolia Beach Road to Jan Cooley Drive (turn to Nicklaus Golf Curse at Marina. Turn RIGHT on Jan Cooley Drive and make your first LEFT into Dragon's Ridge. Check in at the security gate then make your SECOND LEFT onto Dragon Circle. Home will be on the LEFT across from the park located directly on the golf course.
Legal Description: DRAGON'S RIDGE CORRECTED LOT 5 ORB 4802 P 599

General Property Info

Sub-Type: Detached Single Family
Design: Traditional
Apx SqFt(Htd/Cooled): 4536
SqFt Source: Prop App Site
Full Baths: 4
Half Baths: Yes
Total Baths: 5
Accessory Dwelling Unit: No
Year Built: 2005
Immediate Occupancy: Yes
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: 3
Lot Dimensions: 55x190x180x138
Acreage: 0.48
Lot Size (SqFt): 20909
Pool: Yes
Pool Type: Private

Listing Info, Tax and Legal

HOA Fee: Yes
HOA Amount: 3050
HOA Frequency: Annually
HOA Annual Amount: 3050
New Buyer Fee: Yes
New Buyer Fee Amt: 450
New Buyer Fee Paid: $
Last Taxes: 9910.28
Last Tax Year: 2025
Brokerage Interest: No Interest

Remarks & Misc

Remarks: Experience elevated golf course living at 109 Dragon Circle, ideally positioned along the 8th green and 9th tee box of the prestigious Nicklaus Golf Course in Dragon's Ridge, the newer gated section of Bay Point in Panama City Beach. This beautifully updated residence blends refined finishes, generous living spaces, and resort-style outdoor living in one exceptional setting. Inside, an impressive, oversized kitchen island anchors the open entertaining space, complemented by updated bathrooms, flooring, and fresh interior and exterior paint. Spacious rooms and thoughtfully designed gathering areas create an effortless flow for both everyday living and entertaining. Outdoors, a private pool and hot tub overlooking the golf course create a true backyard retreat. The recently resurfaced pool, expansive outdoor space, three-car garage, oversized driveway, and park directly across the street further enhance the home's appeal. Bay Point offers a lifestyle unlike any other, with the Nicklaus Golf Course, Point South Marina, Gulf access, community boat launch, dining, playgrounds, and more just moments away. Whether enjoying an afternoon on the course, boating the Gulf, or relaxing poolside, 109 Dragon Circle delivers luxury coastal living in one of Panama City Beach's most desirable gated communities.

Breakfast Room

First: Yes

More Information

Dining Room

First: Yes

Family Room

First: Yes

Pool Features

Gunite Concrete: Yes
Inground: Yes
Spa/ Hot Tub: Yes

Appliances

Bar Fridge: Yes
Cooktop – Electric: Yes
Dishwasher: Yes
Disposal: Yes
Dryer: Yes
Microwave: Yes
Range – Electric: Yes
Refrigerator: Yes
Washer: Yes
Water Heater – Electric: Yes
Wine Refrigerator: Yes

Interior Features

Breakfast Bar: Yes
Fireplace: Yes
Floor – Tile: Yes
Kitchen Island: Yes
Lighting – Recessed: Yes
Pantry: Yes
Stairs: Yes
Wet Bar: Yes
Window – Treatment All: Yes

Construction/Siding

Foundation – Slab on Grade: Yes
Roof – Dimensional Shg: Yes
Siding – Stucco: Yes

Exterior

Deck Covered: Yes
Deck Open: Yes
Double Pane Windows: Yes
Fenced Back Yard: Yes
Fenced Lot-Part: Yes
Patio Covered: Yes
Sprinkler System: Yes

Waterfront Feature

Boat Launch: Yes

Association Fees Include

Accounting: Yes
Gated Community: Yes
Master Association: Yes
Security: Yes
Trash Disposal: Yes

Furnished

Negotiable: Yes

Interior

Bonus Room: Yes

Kitchen

First: Yes

Living Room

First: Yes

Lot Features

Landscaped: Yes
On Golf Course: Yes
Subdivision – Recorded: Yes

Lot Access

Gated Access: Yes
Paved Road: Yes
Private Road: Yes

Parking Features

Driveway: Yes
Garage Attached: Yes
Paved: Yes

Present Zoning

Resid Single Family: Yes

Association Amenities

Boat Launch: Yes
Dock: Yes
Fishing: Yes
Gated Community: Yes
Golf: Yes
Marina: Yes
Picnic Area: Yes
Playground: Yes
Retail Shops: Yes
Tennis: Yes
Pickle Ball: Yes

Rooms

Breakfast Room: Yes
Dining Room: Yes
Family Room: Yes
Kitchen: Yes
Living Room: Yes

Utilities

Cable – Available: Yes
Electricity – Connected: Yes
Phone – Available: Yes
Public Sewer – Connected: Yes
Public Water – Connected: Yes

Waterview

Other – See Remarks: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes
ENERGY STAR Qualified Equipment: Yes
Multi Units: Yes

Heating

ENERGY STAR Qualified Equipment: Yes
Fireplace – Electric: Yes

Primary Bdrm/Primary Bath

MBath Double Vanity: Yes
MBath Separate Shwr: Yes
MBath Walk-In Closet: Yes
MBed First Floor: Yes
MBed Sitting Area: Yes

Security Features

24 Hour Security: Yes
Gated Community: Yes
Gated with Guard: Yes
Security Gate: Yes
Security Guard: Yes
Smoke Detector(s): Yes

Property Features

Appliances: Bar Fridge; Cooktop – Electric; Dishwasher; Disposal; Dryer; Microwave; Range – Electric; Refrigerator; Washer; Water Heater – Electric; Wine Refrigerator Cooling: Ceiling Fan(s); Central Air; ENERGY STAR Qualified Equipment; Multi Units Heating: ENERGY STAR Qualified Equipment; Fireplace – Electric Exterior: Deck Covered; Deck Open; Double Pane Windows; Fenced Back Yard; Fenced Lot-Part; Patio Covered; Sprinkler System Association Fees Include: Accounting; Gated Community; Master Association; Security; Trash Disposal Furnished: Negotiable Interior: Bonus Room Kitchen: First Living Room: First Lot Features: Landscaped; On Golf Course; Subdivision – Recorded Lot Access: Gated Access; Paved Road; Private Road Breakfast Room: First Dining Room: First Family Room: First Pool Features: Gunite Concrete; Inground; Spa/ Hot Tub Security Features: 24 Hour Security; Gated Community; Gated with Guard; Security Gate; Security Guard; Smoke Detector(s) Parking Features: Driveway; Garage Attached; Paved Association Amenities: Boat Launch; Dock; Fishing; Gated Community; Golf; Marina; Pickle Ball; Picnic Area; Playground; Retail Shops; Tennis Rooms: Breakfast Room; Dining Room; Family Room; Kitchen; Living Room Utilities: Cable – Available; Electricity – Connected; Phone – Available; Public Sewer – Connected; Public Water – Connected Waterfront Feature: Boat Launch Waterview: Other – See Remarks Present Zoning: Resid Single Family

Room Information

Room Name	Level	Dimensions	Length	Width
Living Room	First	19 x 15	19.00	15.00
Dining Room	First	15 x 12	15.00	12.00
Kitchen	First	18 x 18	18.00	18.00
Family Room	First	23 x 18	23.00	18.00
Breakfast Room	First	12 x 10	12.00	10.00

Listing Office: 1 Percent Lists Florida Coast

Last Updated: September – 03 – 2026

Information deemed reliable but not guaranteed.