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$1,000,000

  • For Sale
  • Active
  • Single Family
  • 3 Beds
  • 2 Full Baths
  • 1 Partial Bath
See This Home
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Looking for the perfect waterfront property with no HOA and direct access to the lagoon? This is it! Located in the heart of Panama City Beach, this unique home offers incredible potential and endless possibilities. Currently rented as two separate units, this property can easily be transformed to fit your vision. Open up the layout to create a spacious, open-concept design or keep it as-is for a great income-producing opportunity. The roof was replaced in 2018 after Hurricane Michael, offering peace of mind and durability. Whether you're looking for a primary residence, vacation home, or investment property, this home is a hidden gem with instant equity opportunities. Don't miss your chance to own a piece of waterfront paradise-schedule your showing today!

Full Property Details for 1035 Bay Cir

General

  • Price: $1,000,000
  • Taxes: $3,417 (2024)
  • Status: Active
  • Type: Single Family
  • Source: Bay_County
  • MLS ID: 770123
  • Updated: 12/2/2025
  • Added to Site: 132 day(s) ago

Interior

  • Number of Rooms: 3
  • Appliances: Electric Cooktop, Electric Oven, Electric Range

Rooms

Bathrooms

  • Total Bathrooms: 3
  • Full Bathrooms: 2
  • Half Bathrooms: 1

Bedrooms

  • Total Bedrooms: 3

Exterior

  • Exterior Features: Deck
  • Porch/Patio/Deck: Balcony, Deck

Location

  • County: Bay
  • Subdivision: [No Recorded Subdiv]
  • Driving Directions: From the CVS at the intersection of Thomas Drive and Highway 98 travel North on Wildwood Road., turn Right onto Big Daddy Drive, Big Daddy Drive will turn into Bay Circle, home is on the Left

School Information

  • Elementary School: Breakfast Point
  • Middle School: Breakfast Point
  • High School: Arnold

Community

  • Community Name: 03 - Bay County - Beach

Heating & Cooling

  • Central air: Yes
  • Air Conditioning: Yes
  • Cooling Type: Central Air, Window Unit(s)
  • Heating Type: Central

Utilities

  • Utility Description: Sewer Available

Structural Information

  • Architectural Style: Craftsman
  • Sq. Ft. Source: Appraiser
  • Year Built: 1984

Lot Features

  • Property View: Lagoon
  • Lot Size (Acres): 0.18
  • Lot Size (Sq. Ft.): 7,797
  • Lot Size: .18
  • Lot Dimensions: 27 x 148 x 74 x 130
  • Frontage: City Street
  • Zoning: Resid Single Family

Water Features

  • Water Front: Yes
  • Water Front Desc.: Lagoon
  • Water Front View: Lagoon

Financial Considerations

  • Tax Amount: $3,417
  • Tax Year: 2024

Disclosures and Reports

  • Special Conditions: Listed As-Is
  • Legal Description: BAYSIDE PARK UNIT 1 REPLAT LOT 7 -AND- BEG AT NE COR OF LOT 7 TH SELY 29.90' TO HIGH WATER LINE TH SWLY 60.39' NWLY 23.48' TO SEL COR OF LOT 7 TH NELY 59.91' TO POB BLK C ORB 1454 P 1257 ORB 1627 P 1752 ORB 1954 P 2021 ORB 2075 P 2146 ORB 2559 P 252
  • Property ID: 27344-187-000

Listed by Foundation Real Estate Agency LLC and Centergate Realty LLC

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Listing agents

— 1035 Bay Cir —

  • Foundation Real Estate Agency LLC

  • Centergate Realty LLC

Get Pre-Approved Today

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Schools serving 1035 Bay Cir

School District:Bay County School District
NameGradesDistance
Breakfast Point Academy
601 N Richard Jackson Boulevard, Panama City Beach, FL 32407
K-84.4 mi
J.R. Arnold High School
550 North Alf Coleman Road, Panama City Beach, FL 32407
9-124 mi
Disclaimer: School attendance boundaries provided by Pitney Bowes and are for reference only. Contact the school directly to verify enrollment eligibility.

Price & Sales History for 1035 Bay Cir Get Price Alerts and Save Property

Date
Details
Price
Change
Source
3/10/2025
Listed
$1,000,000
132.56%
MLS
1/31/2005
Sold
$430,000
—
Public Record
Get Price Alerts and Save Property
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Tax History for 1035 Bay Cir

Year
Property Taxes
Change
Tax Assessment
Change
2024
$3,417
5%
$281,461
4%
2023
$3,248
21%
$271,108
23%
2021
$2,676
2%
$219,829
-1%
2022
$2,619
-2%
$222,962
4%
2021
$2,676
25%
$213,654
25%
2019
$2,142
-24%
$170,634
-23%
2018
$2,832
1%
$223,040
2%
2017
$2,794
-3%
$218,530
-2%
2016
$2,891
-5%
$222,061
-2%
2015
$3,028
-2%
$226,377
-2%
2014
$3,095
12%
$231,741
-1%
2013
$2,761
—
$233,025
—
View All
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

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*These costs are estimates, and the interest rates assume exceptional credit standing.

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Listed by Foundation Real Estate Agency LLC and Centergate Realty LLC

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1035 Bay Circle, Panama City Beach, FL 32407 (MLS# 770123) is a Single Family property with 3 bedrooms, 2 full bathrooms and 1 partial bathroom. 1035 Bay Circle is currently listed for $1,000,000 and was received on September 07, 2025. Want to learn more about 1035 Bay Circle? Do you have questions about finding other Single Family real estate for sale in Panama City Beach? You can browse all Panama City Beach real estate or contact a Coldwell Banker agent to request more information.

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