3532 Treasure Circle, Panama City Beach, FL 32408 (MLS# 770829)

3532 Treasure Circle, Panama City Beach, FL 32408

$449,000

Property Type: Residential Land Lot Size (sq. ft.): 5,663 Status: Active

Current Price: $449,000 List Date: 1/07/2026 Last Modified: 8/18/2026

Overview

Description

Direct Grand Lagoon Waterfront + Gulf Access to build your dream home in Florida! This cleared 0.13-acre homesite offers approximately 48′ of waterfront, an existing seawall and 180′ dock so the hard infrastructure is already finished. You’ll be able to park your boat while you build and enjoy waterfront restaurants within minutes! Close to St. Andrews State Park and Shell Island, and a short haul right out to the gulf for fishing or diving. This site is perfect as an elevated waterfront residence as a full time primary, second home or income producing coastal retreat. Perfect water for a Pontoon Boat, this home offers direct boating access to St. Andrew’s Bay, and the Gulf right out your back door. Build new around the lifestyle you want instead of paying to renovate somebody else’s mess. Buyer to verify zoning, setbacks, flood / elevation requirements and suitability of conceptual plans.

Listing Details MLS# 770829

Contract Info

List Price/Acre: 3453846.15

Location

Street #: 3532
Street Name: Treasure
Street Suffix: Circle
Area: 03 – Bay County – Beach
State: FL
Zip Code: 32408
County: Bay
Sub Area: 0323 – Beach – South of Grand Lagoon
Subdivision: [No Recorded Subdiv]
Community/Resort: None
Waterfront: Yes
Parcel ID: 31430-020-000
Elementary School: Patronis
Middle School: Surfside
High School: Arnold
Directions: Go south on Thomas Drive, turn right on Trelawney Avenue (across from the old Treasure Ship location), turn right on to Treasure Circle,lot will be on the right (
Legal Description: HAMPTON HARBOUR 70B1 LOT 2 LESS WLY 21.8' ORB 3302 P 1101

General Property Info

Sub-Type: Residential Lots
Lot Dimensions: 48 x 120
Acreage: 0.13
Lot Size (SqFt): 5663

Waterfront Feature

Waterfront Feet: 48 ft
Bulkhead/Seawall: Yes

Listing Info, Tax & Legal

HOA Fee: No
New Buyer Fee: No
Last Taxes: 3477.34
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: Yes

Remarks & Misc

Remarks: Direct Grand Lagoon Waterfront + Gulf Access to build your dream home in Florida! This cleared 0.13-acre homesite offers approximately 48' of waterfront, an existing seawall and 180' dock so the hard infrastructure is already finished. You'll be able to park your boat while you build and enjoy waterfront restaurants within minutes! Close to St. Andrews State Park and Shell Island, and a short haul right out to the gulf for fishing or diving. This site is perfect as an elevated waterfront residence as a full time primary, second home or income producing coastal retreat. Perfect water for a Pontoon Boat, this home offers direct boating access to St. Andrew's Bay, and the Gulf right out your back door. Build new around the lifestyle you want instead of paying to renovate somebody else's mess. Buyer to verify zoning, setbacks, flood / elevation requirements and suitability of conceptual plans.

More Information

Lot Features

Coastal Construction Control Line: Yes

Present Zoning

Resid Single Family: Yes

Utilities

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

Sale Type

As Is: Yes

Waterfront Type

Lagoon/Estuary: Yes

Property Features

Lot Features: Coastal Construction Control Line Sale Type: As Is Utilities: Electricity – Connected; Public Sewer – Connected; Public Sewer Available; Water Connected Waterfront Type: Lagoon/Estuary Present Zoning: Resid Single Family

Listing Office: Anchor Realty Florida

Last Updated: August – 18 – 2026

Information deemed reliable but not guaranteed.