3530 Treasure Circle, Panama City, FL 32408

• 3 beds |
• 3 baths |
• 1,986 sqft

Property Description

RARE WATERFRONT. LAGOON-MOUTH PROXIMITY. PRIVATE DOCK + LIFT. Set on a quiet loop in Panama City Beach, this property sits in one of the closest residential pockets to the mouth of the lagoon, a scarce location-first opportunity that means quicker runs to open water, marinas, and beaches while keeping a calm, remote feel at home. Out back, a private dock with powered boat lift makes ''go now'' boating simple; when dinner calls, it's an easy hop by boat across the lagoon to local favorites like Capt. Anderson's or The Grand Marlin, or stay dockside and hook saltwater trout and redfish right from your backyard. Daily scenery includes passing boats and jet skis, ospreys and eagles overhead, and dolphins that make regular rounds. On the 4th of July, watch large-scale fireworks lift just beyond the bridge—visible from the dock and both screened porches. Built with 2x6 construction, hurricane-rated doors and windows, and spray-foam insulation throughout (including interior walls) on pilings driven approximately 47 feet, the home blends efficiency and resilience. Inside, well-appointed living spaces are oriented to the water and flow to a screened-in back porch; upstairs, the primary suite has its own screened porch—another great vantage point to enjoy the amusements of wildlife and watercraft all day long. The result is the rare blend of remote feel and minutes-to-everything convenience, exactly where you want to be when waterfront access matters most. All information is believed accurate but not guaranteed; buyer to verify if important.

Listing Status:

Active

Date Added:

September 20, 2025

Data Last Updated:

April 2, 2026 at 7:18AM

Listing Office:

Coldwell Banker Realty : 850-234-6696

MLS ID:

779329

Interior

• General: Loft
• Appliances: Electric OvenElectric RangeElectric Water Heater
• A/C: Central Air
• Heating: CentralElectric

Exterior

• General: Boat LiftBoat RampDockPorchShed(s)
• Style: Craftsman
• Other Structures: Shed(s)PorchBalconyScreened

Construction

• Roofing: Metal
• Windows: Double Pane WindowsStorm Window(s)
• General: HardiPlank TypeWood Frame2Pillar/Post/Pier

Location

• Originating MLS: CPAR_CPAR
• County: Bay

Lot

• Zoning: HAMPTON HARBOUR 70B1 LOT 1 & WLY 21.8' LOT 2 ORB 3789 P 124631430-010-000
• View: LagoonView
• Fencing: Partial

Utilities

• Utilities: Cable ConnectedElectricity Available
• Sewer: Public Sewer

Financial

• Source: CPAR_CPAR