3530 Treasure Circle, Panama City, FL 32408 (MLS# 779329)

3530 Treasure Circle, Panama City, FL 32408

$1,259,000

Virtual Tour

https://www.zillow.com/view-imx/3deae306-6f8b-4d79-a4db-15a053e3d7e0?setAttribution=mls&wl=true&initialViewType=pano&utm_source=dashboard

Property Type: Residential Bedrooms: 3 Baths: 3 Square Footage: 1,986 Lot Size (sq. ft.): 9,583 Status: Active

Current Price: $1,259,000 List Date: 9/20/2025 Last Modified: 5/04/2026

Overview

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 ri … (Read more) 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 2×6 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.

Listing Details MLS# 779329

Contract Info

List Price/SqFt: 633.94

Location

Area: 03 – Bay County – Beach
Street #: 3530
Street Name: Treasure
Street Suffix: Circle
State: FL
Zip Code: 32408
County: Bay
Sub Area: 0323 – Beach – South of Grand Lagoon
Subdivision: Hampton Harbor
Community/Resort: None
Waterfront: Yes
Gulf Access: Yes
Parcel ID: 31430-010-000
Elementary School: Patronis
Middle School: Surfside
High School: Arnold
Directions: South bound on Thomas Drive from the Navy Base, cross the Treasure Island bridge, turn right into Trelawney ave, then right into Treasure Circle, house will be on your right.
Legal Description: HAMPTON HARBOUR 70B1 LOT 1 & WLY 21.8' LOT 2 ORB 3789 P 1246

General Property Info

Sub-Type: Detached Single Family
Design: Craftsman Style
Apx SqFt(Htd/Cooled): 1986
SqFt Source: Prop App Site
Full Baths: 3
Total Baths: 3
# of Stories in Building: 2
Year Built: 2017
Immediate Occupancy: Yes
Construction Status: Construction Complete
New Construction: No
Garage Y/N: No
Driveway Spaces: 4
Lot Dimensions: Irregular
Acreage: 0.22
Lot Size (SqFt): 9583
Pool: No

Waterfront Feature

Waterfront Feet: 20
Boat Launch: Yes
Boatlift: Yes
Dock: Yes

Listing Info, Tax and Legal

Homestead: No
HOA Fee: No
Is Subject Leased: No
New Buyer Fee: No
Last Taxes: 5690
Last Tax Year: 2024
Brokerage Interest: No Interest
Section: 16
Township: 4S
Range: 15W
Condo Doc: No

Remarks & Misc

Remarks: 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 2×6 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.

More Information

Balcony

Second: Yes

Covered Porch

First: Yes

Laundry

First: Yes

Loft

Second: Yes

Master Bathroom

Second: Yes

Screened Porch

First: Yes

Appliances

Dishwasher: Yes
Dryer: Yes
Microwave: Yes
Oven – Electric: Yes
Range – Electric: Yes
Refrigerator: Yes
Washer: Yes
Water Heater – Electric: Yes

Interior Features

Floor – Tile: Yes
Kitchen Island: Yes
Pantry: Yes
Split Bedroom: Yes
Window – Treatment All: Yes

Construction/Siding

Foundation – On Piling: Yes
Wood/Frame: Yes
Roof – Metal: Yes
Siding – Hardie Board: Yes
Trim – Hardie Board: Yes

Exterior

Balcony: Yes
Double Pane Windows: Yes
Fenced Lot-Part: Yes
Porch Screened: Yes
Sprinkler System: Yes
Storm Doors: Yes
Storm Windows: Yes

Other Structures

Shed(s): Yes

Financing

Cash: Yes
Conventional: Yes
VA: Yes

Furnished

Unfurnished: Yes

Interior

Floor – Carpet: Yes

Kitchen

First: Yes

Living Room

First: Yes

Lot Features

Deeded Access Water: Yes
Flood Insurance Req: Yes
Survey Available: Yes
Waterfront: Yes

Lot Access

County Road: Yes

Parking Features

Driveway: Yes

Mstr Bath / Mstr Bdrm

MBath Garden Tub: Yes
MBath Separate Shwr: Yes
MBed Balcony: Yes
MBed Waterfront: Yes

Rooms

Balcony: Yes
Bedroom: Yes
Covered Porch: Yes
Full Bathroom: Yes
Kitchen: Yes
Laundry: Yes
Living Room: Yes
Loft: Yes
Master Bathroom: Yes
Master Bedroom: Yes
Screened Porch: Yes

Showing

ShowingTime: Yes

Utilities

TV Cable: Yes
Electricity – Connected: Yes
Private Well: Yes
Public Sewer – Connected: Yes

Waterview

Lagoon: Yes

Full Bathroom

First: Yes

Waterfront Type

Lagoon/Estuary: Yes

Master Bedroom

Second: Yes

Bedroom

First: Yes

Cooling

Central Air: Yes
Electric: Yes

Heating

Central: Yes
Electric: Yes

Property Features

Appliances: Dishwasher; Dryer; Microwave; Oven – Electric; Range – Electric; Refrigerator; Washer; Water Heater – Electric Full Bathroom: First Master Bedroom: Second Bedroom: First Cooling: Central Air; Electric Heating: Central; Electric Exterior: Balcony; Double Pane Windows; Fenced Lot-Part; Porch Screened; Sprinkler System; Storm Doors; Storm Windows Financing: Cash; Conventional; VA Furnished: Unfurnished Interior: Floor – Carpet Kitchen: First Living Room: First Lot Features: Deeded Access Water; Flood Insurance Req; Survey Available; Waterfront Lot Access: County Road Balcony: Second Master Bathroom: Second Covered Porch: First Laundry: First Loft: Second Screened Porch: First Parking Features: Driveway Other Structures: Shed(s) Rooms: Balcony; Bedroom; Covered Porch; Full Bathroom; Kitchen; Laundry; Living Room; Loft; Master Bathroom; Master Bedroom; Screened Porch Showing: ShowingTime Utilities: TV Cable; Electricity – Connected; Private Well; Public Sewer – Connected Waterfront Type: Lagoon/Estuary Waterfront Feature: Boat Launch; Boatlift; Dock Waterview: Lagoon

Room Information

Room Name	Level	Dimensions	Length	Width	Remarks
Screened Porch	First	26 x 7.5	26.00	7.50
Kitchen	First	10.4 x 13.11	10.40	13.11
Living Room	First	11.2 x 17.4	11.20	17.40
Laundry	First	6.7 x 7.2	6.70	7.20	& pantry
Bedroom	First	10.4 x 13.3	10.40	13.30	suite
Full Bathroom	First	4.9 x 8.4	4.90	8.40
Bedroom	First	10.1 x 12.11	10.10	12.11
Full Bathroom	First	10.1 x 7.1	10.10	7.10
Covered Porch	First	17.6 x 10.6	17.60	10.60	front
Loft	Second	10.3 x 13.1	10.30	13.10
Master Bathroom	Second	16.3 x 11.2	16.30	11.20
Master Bedroom	Second	16.3 x 16.6	16.30	16.60
Balcony	Second	8 x 7.8	8.00	7.80

Listing Office: Coldwell Banker Realty

Last Updated: May – 04 – 2026

Information deemed reliable but not guaranteed.