3707 Mystic Street A & B, Panama City Beach, FL 32408 (MLS# 785975)

3707 Mystic Street A & B, Panama City Beach, FL 32408

$645,000

Book a fishing trip or enjoy unspoiled Florida nature.

or take a sunset cruise from the marina!

Property Type: Residential Bedrooms: 5 Baths: 3 Square Footage: 2,088 Lot Size (sq. ft.): 5,663 Status: Active

Current Price: $645,000 List Date: 2/27/2026 Last Modified: 9/01/2026

Overview

Description

ADORABLE DUPLEX WITH MULTIPLE POSSIBILITIES! * Live in one side, rent the other out. * Short term rent both units. * Short term rent one side, mid or long-term rent the other. THE CHOICE IS YOURS! SIDE A: MYSTIC SURF –3 BR, Sleeps 8 – King, King, King + Twin/Twin Trundle –1 Full, 1 Half Bath –Surf/wave murals in every bedroom –Full Kitchen with lots of counter space –Private Patio –Storage shed –Electric fireplace! SIDE B: MYSTIC SUN –2 BR, Sleeps 4 – King, King rooms –1 Full Bath –Full Kitchen –Private Patio –Storage shed –Wood-burning fireplace! LOCATION: **Across the street from public lagoon access. **One block to public boat ramp. **Walk to public beach access #11, just 7 blocks away. **Walk to Buster's Beer and Bait. **Drive to Schooner's and the St Andrews State Park. Don't miss your opportunity for 100% bonus depreciation this year. Ask your CPA how you can SAVE BIG MONEY ON TAXES! Come see this today! … (Read more)

Listing Details MLS# 785975

Contract Info

List Price/SqFt: 308.91

Location

Area: 03 – Bay County – Beach
Street #: 3707
Street Name: Mystic
Street Suffix: Street
Unit #: A & B
State: FL
Zip Code: 32408
County: Bay
Sub Area: 0323 – Beach – South of Grand Lagoon
Subdivision: Biltmore Beach 1st Add
Community/Resort: None
Waterfront: No
Parcel ID: 32050-000-000
Elementary School: Patronis
Middle School: Surfside
High School: Arnold
Directions: From Thomas Drive, turn north (away from Gulf) on Luft St, left on Pinetree, right on Mystic. Property is on the right on the corner of Mystic and S. Lagoon Dr.
Legal Description: BILTMORE BEACH 1ST ADD LOT 1 BLK F ORB 4552 P 508

General Property Info

Sub-Type: Multi Family
Design: N/A
Apx SqFt(Htd/Cooled): 2088
SqFt Source: Prop App Site
Full Baths: 2
Half Baths: Yes
Total Baths: 3
# of Stories in Building: 2
Accessory Dwelling Unit: No
Year Built: 1981
Immediate Occupancy: Yes
Construction Status: Construction Complete
New Construction: Yes
Garage Y/N: No
Driveway Spaces: 4
Lot Dimensions: 58×100
Acreage: 0.13
Lot Size (SqFt): 5663
Pool: No

Listing Info, Tax and Legal

HOA Fee: No
Is Subject Leased: No
New Buyer Fee: No
Last Taxes: 6028
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: Yes

Remarks & Misc

Remarks: ADORABLE DUPLEX WITH MULTIPLE POSSIBILITIES! * Live in one side, rent the other out. * Short term rent both units. * Short term rent one side, mid or long-term rent the other. THE CHOICE IS YOURS! SIDE A: MYSTIC SURF –3 BR, Sleeps 8 – King, King, King + Twin/Twin Trundle –1 Full, 1 Half Bath –Surf/wave murals in every bedroom –Full Kitchen with lots of counter space –Private Patio –Storage shed –Electric fireplace! SIDE B: MYSTIC SUN –2 BR, Sleeps 4 – King, King rooms –1 Full Bath –Full Kitchen –Private Patio –Storage shed –Wood-burning fireplace! LOCATION: **Across the street from public lagoon access. **One block to public boat ramp. **Walk to public beach access #11, just 7 blocks away. **Walk to Buster's Beer and Bait. **Drive to Schooner's and the St Andrews State Park. Don't miss your opportunity for 100% bonus depreciation this year. Ask your CPA how you can SAVE BIG MONEY ON TAXES! Come see this today! We look forward to receiving your offer! See the walkthrough video attached to this listing, and ask your agent for the Airbnb link as well. Thank you for your interest. We look forward to your offer!

Appliances

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

More Information

Interior Features

Breakfast Bar: Yes
Floor – Vinyl Plank: Yes
Window – Treatment All: Yes

Construction/Siding

Roof – Metal: Yes
Siding – Stucco: Yes

Exterior

Fenced Lot-Part: Yes
Patio Open: Yes

Financing

Cash: Yes
Conventional: Yes

Furnished

Furnished: Yes

Interior

Smart Thermostat: Yes

Living Room

First: Yes

Lot Features

Within 1/2 Mile to Water: Yes

Lot Access

City Street: Yes
Paved Road: Yes

Parking Features

Driveway: Yes

Present Zoning

Resid Multi-Family: Yes

Rooms

Bedroom: Yes
Living Room: Yes

Showing

ShowingTime: Yes

Utilities

Electricity – Connected: Yes
Public Water – Connected: Yes
Septic Tank: Yes

Waterview

Lagoon: Yes

Sale Type

As Is: Yes

Bedroom

First: Yes
Second: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes
Electric: Yes

Heating

Central: Yes
Electric: Yes
Fireplace – Electric: Yes

Property Features

Appliances: Dishwasher; Dryer; Microwave; Oven – Electric; Refrigerator; Washer; Water Heater – Electric Bedroom: First; Second Cooling: Ceiling Fan(s); Central Air; Electric Heating: Central; Electric; Fireplace – Electric Exterior: Fenced Lot-Part; Patio Open Financing: Cash; Conventional Furnished: Furnished Interior: Smart Thermostat Living Room: First Lot Features: Within 1/2 Mile to Water Lot Access: City Street; Paved Road Parking Features: Driveway Rooms: Bedroom; Living Room Sale Type: As Is Showing: ShowingTime Utilities: Electricity – Connected; Public Water – Connected; Septic Tank Waterview: Lagoon Present Zoning: Resid Multi-Family

Room Information

Room Name	Level	Dimensions	Length	Width	Remarks
Bedroom	First	11.1 x 12.5	11.10	12.50	Unit A – King Bed
Bedroom	Second	14.5 x 12.5	14.50	12.50	Unit A – King Bed
Bedroom	Second	9.6 x 19.4	9.60	19.40	Unit A – King Bed with Twin/Twin Trundle
Bedroom	First	9.7 x 11.3	9.70	11.30	Unit B – King Bed
Bedroom	First	13.7 x 10.5	13.70	10.50	Unit B – King Bed, Opens to Patio
Living Room	First	11.9 x 13.8	11.90	13.80	A side living space
Living Room	First	9.7 x 11.8	9.70	11.80	B side living space

Listing Office: EXP Realty LLC

Last Updated: September – 01 – 2026

Information deemed reliable but not guaranteed.