3820 Treasure Circle, Panama City Beach, FL 32408 (MLS# 784905)

3820 Treasure Circle, Panama City Beach, FL 32408

$559,000

Property Type: Residential Bedrooms: 5 Baths: 4 Square Footage: 2,365 Lot Size (sq. ft.): 6,360 Status: Pending

Current Price: $559,000 List Date: 2/09/2026 Last Modified: 8/24/2026

Overview

Description

BANK APPROVED SHORT SALE! READY TO CLOSE WHENEVER YOU ARE! Here's your chance to scoop up a bargain, well below appraised value, in a Prime Panama City Beach Location! Unlock the potential of this spacious, multi-level beach home zoned for short-term rentals. The ground level offers a private-entry studio apartment with full kitchen and bath, perfect for guests or rental income. The main residence comfortably sleeps 10 and features two primary suites with ensuite baths, open-concept living area, and kitchen with quartz countertops and a large island/breakfast bar. The top floor adds two bunkrooms and an additional full bath, ideal for kids or overflow guests. Wide wraparound balconies on both main levels overlook Treasure Island Marina and Captain Anderson's, plus a sun deck where you can watch the fishing fleet return at day's end. Most of the improvements made to the home, including roof, HVAC, kitchen(s), and baths have been done since 2021. Some cosmetic touch-ups could bring thi … (Read more)

Listing Details MLS# 784905

Contract Info

List Price/SqFt: 236.36

Location

Area: 03 – Bay County – Beach
Street #: 3820
Street Name: Treasure
Street Suffix: Circle
State: FL
Zip Code: 32408
County: Bay
Sub Area: 0323 – Beach – South of Grand Lagoon
Subdivision: Treasure Island
Community/Resort: None
Waterfront: No
Parcel ID: 31582-000-000
Elementary School: Patronis
Middle School: Surfside
High School: Arnold
Directions: From Navy Base head S on Thomas Dr. (Navy Blvd), pass Capt. Andersons, cross Grand Lagoon Bridge, look for the large BLUE house on the right across from Treasure Island Marina. Turn Right on Flint, house on your immediate Left.
Legal Description: TREASURE ISLAND LOT 14 BLK 10 ORB 4483 P 1278

General Property Info

Sub-Type: Detached Single Family
Design: Beach House
Apx SqFt(Htd/Cooled): 2365
SqFt Source: Owner Measured
Full Baths: 4
Total Baths: 4
Year Built: 1983
Construction Status: Construction Complete
New Construction: No
Garage Y/N: No
Lot Dimensions: 75 x 85
Acreage: 0.15
Lot Size (SqFt): 6360
Pool: No

Status Change Info

Under Contract Date: 2026-08-21

Listing Info, Tax and Legal

HOA Fee: No
New Buyer Fee: No
Last Taxes: 4820
Last Tax Year: 2025
Brokerage Interest: No Interest

Remarks & Misc

Remarks: BANK APPROVED SHORT SALE! READY TO CLOSE WHENEVER YOU ARE! Here's your chance to scoop up a bargain, well below appraised value, in a Prime Panama City Beach Location! Unlock the potential of this spacious, multi-level beach home zoned for short-term rentals. The ground level offers a private-entry studio apartment with full kitchen and bath, perfect for guests or rental income. The main residence comfortably sleeps 10 and features two primary suites with ensuite baths, open-concept living area, and kitchen with quartz countertops and a large island/breakfast bar. The top floor adds two bunkrooms and an additional full bath, ideal for kids or overflow guests. Wide wraparound balconies on both main levels overlook Treasure Island Marina and Captain Anderson's, plus a sun deck where you can watch the fishing fleet return at day's end. Most of the improvements made to the home, including roof, HVAC, kitchen(s), and baths have been done since 2021. Some cosmetic touch-ups could bring this property to its full potential. It is a unique OPPORTUNITY to score a great deal on a primary residence, vacation retreat, or income-producing investment on the beach. THIS IS A SHORT SALE. ALL OFFERS ARE SUBJECT TO THIRD-PARTY APPROVAL.

More Information

Bunk Room

Third: Yes

Great Room

Second: Yes

Studio

First: Yes

Appliances

Dishwasher: Yes
Disposal: Yes
Microwave: Yes
Oven – Electric: Yes
Range – Electric: Yes
Refrigerator: Yes
Water Heater – Electric: Yes

Interior Features

Breakfast Bar: Yes
Ceiling – Cathedral: Yes
Fireplace: Yes
Floor – Laminate: Yes
Kitchen Island: Yes
Lock Out Unit: Yes
Split Bedroom: Yes

Construction/Siding

Foundation – Stilts: Yes
Wood/Frame: Yes
Roof – Metal: Yes
Siding – Wood: Yes

Exterior

Balcony: Yes
Deck Covered: Yes
Deck Open: Yes
Fenced Back Yard: Yes
Fenced Privacy: Yes
Shower: Yes

Other Structures

Shed(s): Yes

Financing

Cash: Yes
Conventional: Yes

Furnished

Unfurnished: Yes

Interior

Bunk Room: Yes

Lot Features

Corner Lot: Yes
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

Bunk Room: Yes
Great Room: Yes
Primary Bathroom: Yes
Primary Bedroom: Yes
Studio: Yes

Utilities

Public Sewer – Connected: Yes
Public Water – Connected: Yes

Waterview

Lagoon: Yes

Sale Type

Short Sale: Yes

Primary Bedroom

Second: Yes

Cooling

Central Air: Yes

Heating

Central: Yes

Primary Bdrm/Primary Bath

MBath Shower Only: Yes

Primary Bathroom

Second: Yes

Property Features

Appliances: Dishwasher; Disposal; Microwave; Oven – Electric; Range – Electric; Refrigerator; Water Heater – Electric Primary Bedroom: Second Cooling: Central Air Heating: Central Exterior: Balcony; Deck Covered; Deck Open; Fenced Back Yard; Fenced Privacy; Shower Financing: Cash; Conventional Furnished: Unfurnished Interior: Bunk Room Lot Features: Corner Lot; Within 1/2 Mile to Water Lot Access: City Street; Paved Road Bunk Room: Third Primary Bathroom: Second Great Room: Second Studio: First Parking Features: Driveway Other Structures: Shed(s) Rooms: Bunk Room; Great Room; Primary Bathroom; Primary Bedroom; Studio Sale Type: Short Sale Utilities: Public Sewer – Connected; Public Water – Connected Waterview: Lagoon Present Zoning: Resid Multi-Family

Room Information

Room Name	Level	Dimensions	Length	Width
Studio	First	30 x 20	30.00	20.00
Great Room	Second	30 x 27	30.00	27.00
Primary Bathroom	Second	15 x 18	15.00	18.00
Primary Bedroom	Second	18 x 12	18.00	12.00
Bunk Room	Third	9 x 11	9.00	11.00
Bunk Room	Third	12 x 13	12.00	13.00

Listing Office: Anchor Realty Florida

Last Updated: August – 24 – 2026

Information deemed reliable but not guaranteed.