Waterfront
Address
3530 Treasure Circle, Panama City Beach, FL
Price
$ 1,239,000
Property Attributes
- MLS#779329
- TypeSingle Family
- Listing Status Active
- CountyBay
- CityPanama City Beach
- Area03 - Bay County - Beach
- NeighborhoodHampton Harbor
- Zip32408
- Style
- Year Built2017
- Taxes$ 5690
- Price$ 1,239,000
- Bedrooms3
- Full Bathrooms3
- Half Bathrooms0
- Sqr Footage1986
- Lot Size0.22 Acres
Data Source:
Central Panhandle Association of REALTORS® (CPAR)
Property Description
RARE WATERFRONT. RENTAL PROJECTION OF $70K-$80K. PRIVATE DOCK + LIFT. Set near the mouth of the lagoon in Panama City Beach, this waterfront property offers the kind of location, scenery, and boating access that can stand out to both personal-use buyers and short-term rental investors. With a rental projection estimating year-one revenue of $70,000 to $80,000, this is more than a waterfront retreat--it is a scarce location-first opportunity with income-producing potential. Positioned on a quiet loop in one of the closest residential pockets to the lagoon mouth, the property offers quicker runs to open water, marinas, beaches, dining, and Panama City Beach attractions while still maintaining a calm, tucked-away feel at home. Out back, a private dock with powered boat lift makes ''go now'' boating simple. When dinner calls, it is an easy hop by boat across the lagoon to local favorites like Capt. Anderson's or The Grand Marlin, or stay dockside and fish for saltwater trout and redfish right from the backyard. The setting gives guests and owners a true waterfront experience: passing boats and jet skis, ospreys and eagles overhead, dolphins making regular rounds, and large-scale Fourth of July fireworks visible from the dock and both screened porches. These are the details that help separate a short-term rental from a standard beach-area property. Built with 2x6 construction, hurricane-rated doors and windows, spray-foam insulation throughout, including interior walls, and pilings driven approximately 47 feet, the home blends efficiency, resilience, and long-term utility. Inside, well-appointed living spaces are oriented toward the water and flow to a screened-in back porch. Upstairs, the primary suite has its own screened porch, creating another strong vantage point for enjoying the wildlife, watercraft, and lagoon views throughout the day. For buyers comparing Panama City Beach waterfront homes with rental potential, this property offers a rare combination: private boating infrastructure, lagoon-mouth proximity, water views, screened outdoor living, and projected year-one rental revenue of $70,000 to $80,000. The result is a waterfront property with both lifestyle appeal and investment positioning, exactly where you want to be when access, scenery, and income potential matter most. All information is believed accurate but not guaranteed; buyer to verify if important.
| Elementary School | Middle School | High School |
|---|---|---|
| Patronis Elementary School | Surfside Middle School | Arnold High School |
| Price History | |
|---|---|
| 9/20/2025 | Listed $1,300,000 |
| 5/2/2026 | 3$1,259,000 |
| 7/28/2026 | 2$1,239,000 |
General Features
| Sewer | Public Sewer |
|---|---|
| Utilities | Cable Connected,Electricity Available |
| Property Subtype | Single Family Residence |
| Tax Year | 2024 |
| Community Features | Short Term Rental Allowed |
| County | Bay |
| Property Type | Residential |
| HOA | false |
| Subdivision Name | Hampton Harbor |
| Status | Active |
| Directions | South bound on Thomas Drive from the Navy Base, cross the Treasure Island bridge, turn right into Trelawney ave, then right into Treasure Circle, house will be on your right. |
| High School | Arnold |
| City | Panama City Beach |
| MLS Area | 03 - Bay County - Beach |
| Lot Size Units | Acres |
| Lot Size Square Feet | 9583 |
| Elementary School | Patronis |
| Land Lease Y/N | false |
| Tax Annual Amount | 5690 |
| Middle/Junior High School | Surfside |
| MLS Area Minor | 0323 - Beach - South of Grand Lagoon |
| Standard Status | Active |
| Property Sub Type Additional | Single Family Residence |
| Other Structures | Shed(s) |
| Occupancy Type | Occupied |
| Waterfront Features | Lagoon,Boat Dock/Slip |
| Year Built | 2017 |
| Heating | Central,Electric |
| Cooling | Central Air |
| Appliances | Electric Oven,Electric Range,Electric Water Heater |
| Patio/Porch Features | Balcony,Porch,Screened |
| Construction Materials | HardiPlank Type,Wood Frame |
| View | Lagoon,Water |
| Attached Garage | false |
| Garage Y/N | false |
| Total Rooms | 13 |
| Full Baths | 3 |
| Virtual Tour | https://www.zillow.com/view-imx/3deae306-6f8b-4d79-a4db-15a053e3d7e0?setAttribution=mls&wl=true&initialViewType=pano&utm_source=dashboard |
| Architectural Style | Craftsman |
| Stories Count | 2 |
| Levels | Two |
| New Construction | false |
| Roof | Metal |
Interior Features
| Total Baths | 3 |
|---|---|
| Interior Amenities | Balcony,Soaking Tub,Separate Shower,Upper Level Primary,Loft |
| Furnished Units | None |
| Air Conditioning Y/N | true |
| Heating Y/N | true |
| Total Bedrooms | 3 |
| LivingAreaSource | Appraiser |
| Window Features | Double Pane Windows,Storm Window(s) |
| Total Stories | 2 |
Exterior Features
| Lot Features | Sprinkler System |
|---|---|
| Lot Size Area | 0.22 |
| Lot Dimensions | Irregular |
| Lot Size Acres | 0.22 |
| Building Area Total | 1986 |
| Waterfront Y/N | true |
| Exterior Amenities | Boat Lift,Boat Ramp,Dock,Porch |
| Fencing | Partial |
| Door Features | Storm Door(s) |
| Foundation Details | Pillar/Post/Pier |
Amenities
- Foreclosure
- Views
- Short Sale
- New Construction
- Adult 55+
- Lease To Own
- No HOA Fees
- Furnished
- Primary On Main
- Air Conditioning
- Seller Finance
- Green
- Fixer Upper
- Horse
- Golf
- Fireplace
- Deck
- Garage
- Basement
- Pool
Property vs Single Family Average in 32408
Price
Taxes
Year Built
Emerald Coast Association of REALTORS®, Inc. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers
Copyright © 2026 by the Multiple Listing Service of the Pensacola Association of
REALTORS ® This information is believed to be accurate but is not guaranteed. Subject to verification by all parties. This data is copyrighted and may not be transmitted, re-transmitted, copied, framed, re-purposed, or altered in any way for any other site, individual and/or purpose without the express written permission of the Multiple Listing Service of the Pensacola Association of REALTORS ®. Florida
Listing data provided by: Central Panhandle Association of Realtors (CPAR)
Information deemed reliable but not guaranteed. The information is provided exclusively for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
