3915 Indian Springs Road, Panama City, FL 32404 (MLS# 791568)

3915 Indian Springs Road, Panama City, FL 32404

$419,900

Property Type: Residential Bedrooms: 4 Baths: 3 Square Footage: 2,656 Lot Size (sq. ft.): 9,100 Status: Sold

Current Price: $419,900 List Date: 6/18/2026 Last Modified: 9/03/2026

Overview

Description

2.875% Assumable VA Loan! This home features an assumable VA loan with an approximate balance of $275,000 at an attractive 2.875% interest rate (subject to lender approval and VA assumption requirements). Custom home built by Ben Wortman Welcome to 3915 Indian Springs Road in the highly desirable Riverside community of Panama City! Built in 2021, this spacious 4-bedroom + bonus room with a closet, 2.5-bath, home offers over 2,600 square feet of thoughtfully designed living space with modern finishes, open-concept living, and plenty of room for entertaining. Step inside to discover a bright and inviting floor plan featuring a large living area, high ceilings, abundant natural light, and a beautifully designed kitchen complete with granite countertops, stainless steel appliances, a large island, and ample cabinet space. The oversized primary suite provides a relaxing retreat with a spacious ensuite bath, double vanities, soaking tub, separate shower, and generous walk-in clo … (Read more) 2.875% Assumable VA Loan! This home features an assumable VA loan with an approximate balance of $275,000 at an attractive 2.875% interest rate (subject to lender approval and VA assumption requirements). Custom home built by Ben Wortman Welcome to 3915 Indian Springs Road in the highly desirable Riverside community of Panama City! Built in 2021, this spacious 4-bedroom + bonus room with a closet, 2.5-bath, home offers over 2,600 square feet of thoughtfully designed living space with modern finishes, open-concept living, and plenty of room for entertaining. Step inside to discover a bright and inviting floor plan featuring a large living area, high ceilings, abundant natural light, and a beautifully designed kitchen complete with granite countertops, stainless steel appliances, a large island, and ample cabinet space. The oversized primary suite provides a relaxing retreat with a spacious ensuite bath, double vanities, soaking tub, separate shower, and generous walk-in closet. Upstairs offers additional living flexibility with spacious guest bedrooms and a versatile loft area perfect for a second living room, office, playroom, or media space. The backyard provides plenty of room for outdoor entertaining and pets. Located in the sought-after Riverside subdivision, residents enjoy convenient access to schools, shopping, dining, Tyndall Air Force Base, and all that Panama City has to offer. This move-in ready home combines modern construction, energy efficiency, and functional living in one of the area’s fastest-growing communities. Why People Choose Riverside: Schools: Sits directly across from North Bay Haven Charter Academy a K-12 school in Bay County. Amenities: Features over 2 miles of paved walking trails, community pool, fitness center, waterfront community docks, a clubhouse, playground, and a basketball court. Vibe: Known for its lush greenery, mature oak trees draped in Spanish moss, and a quiet, tight-knit neighborhood atmosphere. Schedule your showing today!

Listing Details MLS# 791568

Contract Info

List Price/SqFt: 158.09

Location

Area: 02 – Bay County – Central
Street #: 3915
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: 11476-120-470
Elementary School: Deer Point
Middle School: Merritt Brown
High School: Mosley
Directions: Hwy 231 N to Hwy 390, left on Cato Rd, right on Indian Springs Rd, property on right. Look for sign.
Legal Description: RIVERSIDE PHASE III LOT 74 ORB 418 P 4004 ORB 2202 P 1159 ORB 2356 P 1158 ORB 4454 P 302

General Property Info

Sub-Type: Detached Single Family
Design: Craftsman Style
Apx SqFt(Htd/Cooled): 2656
SqFt Source: Builders Plans
Full Baths: 2
Half Baths: Yes
Total Baths: 3
# of Stories in Building: 2
Year Built: 2021
Immediate Occupancy: No
Pre-Const Flip: No
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: 2
Lot Dimensions: 50×182
Acreage: 0.21
Lot Size (SqFt): 9100
Pool: Yes
Pool Type: Community

Status Change Info

Under Contract Date: 2026-08-01
Sold Date: 2026-09-03
Sold Price/SqFt: 158.09
Sold Price/Acre: 1999523.81

Listing Info, Tax and Legal

Homestead: Yes
HOA Fee: Yes
HOA Amount: 132
HOA Frequency: Monthly
HOA Annual Amount: 1584
Senior Community: No
Is Subject Leased: No
New Buyer Fee: Yes
New Buyer Fee Amt: 1800
New Buyer Fee Paid: $
Last Taxes: 3765
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: Yes
Condo Doc: No

Remarks & Misc

Remarks: 2.875% Assumable VA Loan! This home features an assumable VA loan with an approximate balance of $275,000 at an attractive 2.875% interest rate (subject to lender approval and VA assumption requirements). Custom home built by Ben Wortman Welcome to 3915 Indian Springs Road in the highly desirable Riverside community of Panama City! Built in 2021, this spacious 4-bedroom + bonus room with a closet, 2.5-bath, home offers over 2,600 square feet of thoughtfully designed living space with modern finishes, open-concept living, and plenty of room for entertaining. Step inside to discover a bright and inviting floor plan featuring a large living area, high ceilings, abundant natural light, and a beautifully designed kitchen complete with granite countertops, stainless steel appliances, a large island, and ample cabinet space. The oversized primary suite provides a relaxing retreat with a spacious ensuite bath, double vanities, soaking tub, separate shower, and generous walk-in closet. Upstairs offers additional living flexibility with spacious guest bedrooms and a versatile loft area perfect for a second living room, office, playroom, or media space. The backyard provides plenty of room for outdoor entertaining and pets. Located in the sought-after Riverside subdivision, residents enjoy convenient access to schools, shopping, dining, Tyndall Air Force Base, and all that Panama City has to offer. This move-in ready home combines modern construction, energy efficiency, and functional living in one of the area's fastest-growing communities. Why People Choose Riverside: Schools: Sits directly across from North Bay Haven Charter Academy a K-12 school in Bay County. Amenities: Features over 2 miles of paved walking trails, community pool, fitness center, waterfront community docks, a clubhouse, playground, and a basketball court. Vibe: Known for its lush greenery, mature oak trees draped in Spanish moss, and a quiet, tight-knit neighborhood atmosphere. Schedule your showing today!

More Information

Bonus Room

Second: Yes

Dining Room

First: Yes

Family Room

Second: Yes

Pool Features

Inground: 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 – Coffered: Yes
Floor – Vinyl: Yes
Kitchen Island: Yes
Lighting – Recessed: Yes

Construction/Siding

Foundation – Slab on Grade: Yes
Wood/Frame: Yes
Roof – Composite Shngl: Yes
Siding – Hardie Board: Yes
Trim – Vinyl: Yes

Exterior

Balcony: Yes
Columns: Yes
Double Pane Windows: Yes
Sprinkler System: Yes

Association Fees Include

Accounting: Yes
Exercise Room: Yes
Picnic Area: Yes
Playground: Yes
Pool: Yes
Recreational Faclty: Yes

Financing

Assume w/int: Yes
Cash: Yes
Conventional: Yes
FHA: Yes
VA: Yes

Furnished

Unfurnished: Yes

Interior

Floor – Carpet: Yes

Kitchen

First: Yes

Living Room

First: Yes

Lot Features

Sidewalk: Yes

Lot Access

Paved Road: Yes
Private Road: Yes

Parking Features

Driveway: Yes
Garage Attached: Yes
Garage Door Opener: Yes

Present Zoning

Resid Single Family: Yes

Association Amenities

Basketball Court: Yes
Exercise Room: Yes
Playground: Yes
Pool: Yes
Recreation Facilities: Yes

Rooms

Bedroom: Yes
Bonus Room: Yes
Dining Room: Yes
Family Room: Yes
Kitchen: Yes
Living Room: Yes
Primary Bedroom: Yes

Utilities

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

Sale Type

As Is: Yes

Primary Bedroom

First: Yes

Bedroom

Second: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes
Electric: Yes
ENERGY STAR Qualified Equipment: Yes

Heating

Central: Yes
Heat Pump: Yes

Primary Bdrm/Primary Bath

MBath Double Vanity: Yes
MBath Separate Shwr: Yes
MBath Walk-In Closet: Yes
MBed First Floor: Yes

Security Features

Carbon Monoxide Detector: Yes
Fire Alarm: Yes

Property Features

Appliances: Dishwasher; Disposal; Microwave; Oven – Electric; Range – Electric; Refrigerator; Water Heater – Electric Primary Bedroom: First Bedroom: Second Cooling: Ceiling Fan(s); Central Air; Electric; ENERGY STAR Qualified Equipment Heating: Central; Heat Pump Exterior: Balcony; Columns; Double Pane Windows; Sprinkler System Association Fees Include: Accounting; Exercise Room; Picnic Area; Playground; Pool; Recreational Faclty Financing: Assume w/int; Cash; Conventional; FHA; VA Furnished: Unfurnished Interior: Floor – Carpet Kitchen: First Living Room: First Lot Features: Sidewalk Lot Access: Paved Road; Private Road Bonus Room: Second Dining Room: First Family Room: Second Pool Features: Inground Security Features: Carbon Monoxide Detector; Fire Alarm Parking Features: Driveway; Garage Attached; Garage Door Opener Association Amenities: Basketball Court; Exercise Room; Playground; Pool; Recreation Facilities Rooms: Bedroom; Bonus Room; Dining Room; Family Room; Kitchen; Living Room; Primary Bedroom Sale Type: As Is Utilities: Electricity – Connected; Sewer Available; Public Water – Connected Present Zoning: Resid Single Family

Room Information

Room Name	Level	Dimensions	Length	Width	Remarks
Primary Bedroom	First	13.1 x 14.14	13.10	14.14	*Verify if important
Bedroom	Second	13.4 x 10.8	13.40	10.80	*Verify if important
Bedroom	Second	13.4 x 12.6	13.40	12.60	*Verify if important
Bedroom	Second	11.7 x 14	11.70	14.00	*Verify if important
Bonus Room	Second	10.4 x 20.6	10.40	20.60	*Verify if important
Living Room	First	21.6 x 14.4	21.60	14.40	*Verify if important
Dining Room	First	11 x 11	11.00	11.00	*Verify if important
Kitchen	First	9 x 11	9.00	11.00	*Verify if important
Family Room	Second	18.8 x 12.8	18.80	12.80	*Verify if important

Listing Office: Think Real Estate

Last Updated: September – 03 – 2026

Information deemed reliable but not guaranteed.