3903 Indian Springs Road, Panama City, FL 32404
$399,000
Property Type:
Residential
Bedrooms:
3
Baths:
3
Square Footage:
2,119
Lot Size (sq. ft.):
5,663
Status:
Active
Current Price:
$399,000
List Date:
9/18/2026
Last Modified:
9/27/2026
Listing Details MLS# 795570
Contract Info
- List Price/SqFt
- 188.3
Location
- Area
- 02 – Bay County – Central
- Street #
- 3903
- Street Name
- Indian Springs
- Street Suffix
- Road
- State
- FL
- Zip Code
- 32404
- County
- Bay
- Sub Area
- 0201 – Bay – Central NE
- Subdivision
- Riverside Phase III
- Community/Resort
- None
- Waterfront
- No
- Parcel ID
- 11476-120-530
- Elementary School
- Deer Point
- Middle School
- Merritt Brown
- High School
- Mosley
- Directions
- Go north on highway 231. Take a left on Cato Rd. Indian Springs Rd will be on your left. Go to the end of the street the home is on the right
- Legal Description
- RIVERSIDE PHASE III LOT 80 ORB 418 P 4004 ORB 2202 P 1159 ORB 2356 P 1158 ORB 2493 P 983
General Property Info
- Sub-Type
- Detached Single Family
- Design
- Craftsman Style
- Apx SqFt(Htd/Cooled)
- 2119
- SqFt Source
- Builders Plans
- Full Baths
- 2
- Half Baths
- Yes
- Total Baths
- 3
- # of Stories in Building
- 2
- Accessory Dwelling Unit
- No
- Year Built
- 2026
- Immediate Occupancy
- Yes
- Construction Status
- Construction Complete
- New Construction
- Yes
- Garage Y/N
- Yes
- Garage Spaces
- 2
- Lot Dimensions
- 50×117
- Acreage
- 0.13
- Lot Size (SqFt)
- 5663
- Pool
- Yes
- Pool Type
- Community
Listing Info, Tax and Legal
- HOA Fee
- Yes
- HOA Amount
- 132
- HOA Frequency
- Monthly
- HOA Annual Amount
- 1584
- New Buyer Fee
- Yes
- New Buyer Fee Amt
- 1800
- Last Taxes
- 737.48
- Last Tax Year
- 2025
- Brokerage Interest
- Familial Interest – Listing Broker/Licensee related to owner.
Remarks & Misc
- Remarks
- Open House – September 26th & 27th 1pm-3pm Welcome to this charming 3-bedroom 2.5 bath craftsman style home located in the Riverside community of Panama City! With a thoughtfully designed two story floor plan, this home offers plenty of space for both everyday living and entertaining. The first floor features a bright, open concept layout connecting the kitchen, dining area, and living room, with abundant natural light and wood look flooring throughout the main living spaces. The kitchen offers stainless steel appliances, ample cabinetry, and an island overlooking the living and dining areas. The primary suite is conveniently located downstairs and features a private bath and walk in closet. A half bath and laundry room complete the first floor. Upstairs, you'll find two additional bedrooms, a full bathroom, and a second spacious living room, giving you the flexibility for a family room, playroom, media space, or home office. Enjoy the inviting covered front porch, attached garage, and all that the Riverside community has to offer. Neighborhood amenities include a community pool, clubhouse, fitness center, playground, basketball court, waterfront community dock and fishing access on Mill Bayou, along with a walking path through the community.
Pool Features
- Inground
- Yes
- Pool House
- Yes
More Information
Appliances
- Dishwasher
- Yes
- Microwave
- Yes
- Range – Electric
- Yes
- Refrigerator
- Yes
- Water Heater – Electric
- Yes
Construction/Siding
- Brick
- Yes
- Siding – Hardie Board
- Yes
Association Fees Include
- Accounting
- Yes
- Dock
- Yes
- Exercise Room
- Yes
- Fishing
- Yes
- Pavilion/Gazebo
- Yes
- Playground
- Yes
- Pool
- Yes
- Recreational Faclty
- Yes
Financing
- Cash
- Yes
- Conventional
- Yes
- FHA
- Yes
- VA
- Yes
Furnished
- Unfurnished
- Yes
Lot Features
- Dead End
- Yes
- Survey Available
- Yes
Lot Access
- Paved Road
- Yes
- Private Road
- Yes
Association Amenities
- Basketball Court
- Yes
- Community Room
- Yes
- Exercise Room
- Yes
- Playground
- Yes
- Pool
- Yes
Rooms
- Bedroom
- Yes
- Primary Bedroom
- Yes
Utilities
- Public Sewer – Connected
- Yes
- Public Water – Connected
- Yes
- Underground Utilities
- Yes
Primary Bedroom
- First
- Yes
Bedroom
- Second
- Yes
Cooling
- Ceiling Fan(s)
- Yes
- Central Air
- Yes
Heating
- Central
- Yes
Primary Bdrm/Primary Bath
- MBath Double Vanity
- Yes
- MBath Shower Only
- Yes
- MBath Walk-In Closet
- Yes
- MBed First Floor
- Yes
Property Features
Appliances:
Dishwasher; Microwave; Range – Electric; Refrigerator; Water Heater – Electric
Primary Bedroom:
First
Bedroom:
Second
Cooling:
Ceiling Fan(s); Central Air
Heating:
Central
Association Fees Include:
Accounting; Dock; Fishing; Exercise Room; Pavilion/Gazebo; Playground; Pool; Recreational Faclty
Financing:
Cash; Conventional; FHA; VA
Furnished:
Unfurnished
Lot Features:
Dead End; Survey Available
Lot Access:
Paved Road; Private Road
Pool Features:
Inground; Pool House
Association Amenities:
Basketball Court; Community Room; Exercise Room; Playground; Pool
Rooms:
Bedroom; Primary Bedroom
Utilities:
Public Sewer – Connected; Public Water – Connected; Underground Utilities
Room Information
| Room Name | Level | Dimensions | Length | Width |
|---|---|---|---|---|
| Primary Bedroom | First | 16 x 14 | 16.00 | 14.00 |
| Bedroom | Second | 9 x 12 | 9.00 | 12.00 |
| Bedroom | Second | 9 x 12 | 9.00 | 12.00 |
Listing Office:
Horsley Real Estate Group
Last Updated: September – 27 – 2026
Information deemed reliable but not guaranteed.