3943 Indian Springs Road, Panama City, FL 32404 (MLS# 787973)

3943 Indian Springs Road, Panama City, FL 32404

$395,000

Property Type: Residential Bedrooms: 4 Baths: 3 Square Footage: 2,739 Lot Size (sq. ft.): 9,148 Status: Active

Current Price: $395,000 List Date: 4/07/2026 Last Modified: 6/05/2026

Overview

Description

One of the BEST values in Riverside–spacious, stylish, and tucked away on a quiet cul-de-sac! Welcome to 3943 Indian Springs Rd, where space, comfort, and lifestyle come together in one of Panama City's most desirable neighborhoods. With 2,700+ sq ft, 4 bedrooms, Bonus room and a flexible layout, this home is designed for the way you actually live. As you arrive, you'll love the welcoming feel of the neighborhood with its sidewalks, mature trees, and well-kept surroundings. Inside, the home features beautiful finishes throughout, including hardwood floors, carpeted bedrooms, crown molding, raised ceilings, and plenty of natural light that makes the space feel open and inviting. Plantation shutters add to the overall charm. The kitchen is a standout with granite counter tops, stainless steel appliances, a large island, and great windows that bring in tons of natural light–perfect for everyday living or entertaining. Open to the kitchen is plenty of room for a large dining a … (Read more)

Open Houses

Saturday, June 13, 11:00 am – 1:00 pm

Listing Details MLS# 787973

Contract Info

List Price/SqFt: 144.21

Location

Area: 02 – Bay County – Central
Street #: 3943
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: 11476-120-330
Elementary School: Deer Point
Middle School: Merritt Brown
High School: Mosley
Directions: From Highway 390, turn south onto Cato Rd (across from North Bay Haven), then right onto Indian Springs Rd. Home will be on the second home on the right. From Highway 231, turn North onto Cato Rd. Turn left onto Indian Springs Rd. Home will be the second house on the right. For Sale sign hung on fence beside garage.
Legal Description: Lot 60, Riverside Phase 3, according to the plat thereof, recorded in Plat Book 20, Page 18, of the public records of Bay County, Florida

General Property Info

Sub-Type: Detached Single Family
Design: Southern
Apx SqFt(Htd/Cooled): 2739
SqFt Source: Prop App Site
Full Baths: 2
Half Baths: Yes
Total Baths: 3
# of Stories in Building: 2
Year Built: 2006
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: 2
Lot Dimensions: 50 x 180
Acreage: 0.21
Lot Size (SqFt): 9148
Pool: Yes
Pool Type: Community

Listing Info, Tax and Legal

Homestead: Yes
HOA Fee: Yes
HOA Amount: 1584
HOA Frequency: Annually
HOA Annual Amount: 1584
Senior Community: No
New Buyer Fee: Yes
New Buyer Fee Amt: 1800
Last Taxes: 2893
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: Yes

Remarks & Misc

Remarks: One of the BEST values in Riverside–spacious, stylish, and tucked away on a quiet cul-de-sac! Welcome to 3943 Indian Springs Rd, where space, comfort, and lifestyle come together in one of Panama City's most desirable neighborhoods. With 2,700+ sq ft, 4 bedrooms, Bonus room and a flexible layout, this home is designed for the way you actually live. As you arrive, you'll love the welcoming feel of the neighborhood with its sidewalks, mature trees, and well-kept surroundings. Inside, the home features beautiful finishes throughout, including hardwood floors, carpeted bedrooms, crown molding, raised ceilings, and plenty of natural light that makes the space feel open and inviting. Plantation shutters add to the overall charm. The kitchen is a standout with granite counter tops, stainless steel appliances, a large island, and great windows that bring in tons of natural light–perfect for everyday living or entertaining. Open to the kitchen is plenty of room for a large dining area, perfect for gathering friends and family around the dinner table. The layout offers a split-bedroom floor plan with the primary suite conveniently located on the first floor, while the upstairs bonus space gives you flexibility for a playroom, media room, or home office. Just outside the Primary Suite and kitchen entrance is a private courtyard with plenty of space for outdoor entertaining, complete with an in ground fire pit. Two covered porches that open to the communities private sidewalks are great for relaxing and enjoying the sounds of nature. A spacious 2 car garage adds to the space with plenty of storage. And one of the best parts–Riverside's amenities! Residents enjoy access to a community pool, community center, basketball court and a great area for kids to play.

Bonus Room

Second: Yes

More Information

Appliances

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

Interior Features

Ceiling – Crwn Molding: Yes
Ceiling – Vaulted: Yes
Fireplace: Yes
Floor – Hardwood: Yes
Floor – Tile: Yes
Kitchen Island: Yes
Lighting – Recessed: Yes
Pantry: Yes
Plantation Shutters: Yes
Stairs: Yes

Construction/Siding

Siding – Vinyl: Yes

Exterior

Balcony: Yes
Columns: Yes
Fenced Lot-Part: Yes
Fire Pit: Yes
Porch Covered: Yes

Association Fees Include

Accounting: Yes
Community Room: Yes
Dock: Yes
Exercise Room: Yes
Ground Keeping: Yes
Playground: Yes
Pool: Yes

Financing

Cash: Yes
Conventional: Yes
FHA: Yes
VA: Yes

Furnished

Unfurnished: Yes

Interior

Bonus Room: Yes
Ceiling – Tray: Yes
Floor – Carpet: Yes

Kitchen

First: Yes

Lot Features

Cul-De-Sac: Yes
Sidewalk: Yes

Lot Access

City Street: Yes
Paved Road: Yes

Mstr Bath / Mstr Bdrm

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

Association Amenities

Basketball Court: Yes
Community Room: Yes
Exercise Room: Yes
Playground: Yes
Pool: Yes
Trail(s): Yes

Rooms

Bedroom: Yes
Bonus Room: Yes
Full Bathroom: Yes
Kitchen: Yes
Master Bedroom: Yes

Utilities

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

Sale Type

As Is: Yes

Full Bathroom

Second: Yes

Master Bedroom

First: Yes

Bedroom

Second: Yes

Cooling

Central Air: Yes
Electric: Yes

Heating

Electric: Yes
Fireplace(s): Yes

Property Features

Appliances: Dishwasher; Microwave; Range – Electric; Refrigerator; Water Heater – Electric Full Bathroom: Second Master Bedroom: First Bedroom: Second Cooling: Central Air; Electric Heating: Electric; Fireplace(s) Exterior: Balcony; Columns; Fenced Lot-Part; Fire Pit; Porch Covered Association Fees Include: Accounting; Community Room; Dock; Exercise Room; Ground Keeping; Playground; Pool Financing: Cash; Conventional; FHA; VA Furnished: Unfurnished Interior: Bonus Room; Ceiling – Tray; Floor – Carpet Kitchen: First Lot Features: Cul-De-Sac; Sidewalk Lot Access: City Street; Paved Road Bonus Room: Second Association Amenities: Basketball Court; Community Room; Exercise Room; Playground; Pool; Trail(s) Rooms: Bedroom; Bonus Room; Full Bathroom; Kitchen; Master Bedroom Sale Type: As Is Utilities: Electricity – Connected; Garbage; Public Sewer – Connected; Public Water – Connected

Room Information

Room Name	Level	Dimensions	Length	Width
Master Bedroom	First	17 x 15	17.00	15.00
Bedroom	Second	15 x 14	15.00	14.00
Bedroom	Second	18 x 12	18.00	12.00
Bedroom	Second	18 x 13	18.00	13.00
Bonus Room	Second	19 x 14	19.00	14.00
Kitchen	First	16 x 12	16.00	12.00
Full Bathroom	Second	12 x 10	12.00	10.00

Listing Office: Coldwell Banker Realty

Last Updated: June – 05 – 2026

Information deemed reliable but not guaranteed.