3530 Treasure Circle, Panama City, FL 32408

• 3 beds |
• 3 baths |
• 1,986 sqft

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.

Listing Status:

Active

Date Added:

September 20, 2025

Data Last Updated:

May 24, 2026 at 4:16AM

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