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$599,000 -$26,000 (-4.16%) Price Reduced

  • For Sale
  • Active
  • Single Family
  • 5 Beds
  • 4 Full Baths
  • Updated 5 days ago
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**REDUCED** SHORT SALE OPPORTUNITY-- Prime Panama City Beach Location! Unlock the potential of this spacious, multi-level beach home zoned for short-term rentals. The ground level offers a private-entry studio apartment with full kitchen and bath, perfect for guests or rental income. The main residence comfortably sleeps 10 and features two primary suites with ensuite baths, open-concept living area, and kitchen with quartz countertops and a large island/breakfast bar. The top floor adds two bunkrooms and an additional full bath, ideal for kids or overflow guests. Wide wraparound balconies on both main levels overlook Treasure Island Marina and Captain Anderson's, plus a sun deck where you can watch the fishing fleet return at day's end. Most of the improvements made to the home, including roof, HVAC, kitchen(s), and baths have been done since 2021. Some cosmetic touch-ups could bring this property to its full potential. It is a unique OPPORTUNITY to score a great deal on a primary residence, vacation retreat, or income-producing investment on the beach. THIS IS A SHORT SALE. ALL OFFERS ARE SUBJECT TO THIRD-PARTY APPROVAL.

Full Property Details for 3820 Treasure Cir

General

  • Price: $599,000
  • Taxes: $4,820 (2025)
  • Status: Active
  • Type: Single Family
  • Source: Bay_County
  • MLS ID: 784905
  • Updated: 2/27/2026
  • Added to Site: 23 day(s) ago

Interior

  • Number of Rooms: 6
  • Appliances: Electric Oven, Electric Range, Electric Water Heater

Rooms

Bathrooms

  • Total Bathrooms: 4
  • Full Bathrooms: 4

Bedrooms

  • Total Bedrooms: 5

Exterior

  • Exterior Features: Covered Patio, Deck, Outdoor Shower
  • Porch/Patio/Deck: Balcony, Deck

Location

  • County: Bay
  • Subdivision: Treasure Island
  • Driving Directions: From Navy Base head S on Thomas Dr. (Navy Blvd), pass Capt. Andersons, cross Grand Lagoon Bridge, look for the large BLUE house on the right across from Treasure Island Marina. Turn Right on Flint, house on your immediate Left.

School Information

  • Elementary School: Patronis
  • Middle School: Surfside
  • High School: Arnold

Community

  • Community Name: 03 - Bay County - Beach

Heating & Cooling

  • Central air: Yes
  • Air Conditioning: Yes
  • Cooling Type: Central Air
  • Heating Type: Central

Utilities

  • Sewer: Public Sewer

Structural Information

  • Architectural Style: Coastal
  • Construction: Wood Siding, Wood Frame
  • Roof: Metal
  • Sq. Ft. Source: Owner
  • Year Built: 1983

Additional Structures

  • Other Structures: Shed(s)

Lot Features

  • Property View: Lagoon
  • Lot Size (Acres): 0.15
  • Lot Size (Sq. Ft.): 6,360
  • Lot Size: .15
  • Lot Dimensions: 75 x 85
  • Frontage: City Street
  • Lot Features: Paved
  • Zoning: Resid Multi-Family
  • Fencing (Description): Fenced, Privacy

Financial Considerations

  • Tax Amount: $4,820
  • Tax Year: 2025

Disclosures and Reports

  • Legal Description: TREASURE ISLAND LOT 14 BLK 10 ORB 4483 P 1278
  • Property ID: 31582-000-000

Listed by Anchor Realty Florida

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Listing agent

— 3820 Treasure Cir —

  • Anchor Realty Florida

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 3820 Treasure Cir

School District:Bay County School District
NameGradesDistance
Patronis Elementary School
7400 Patronis Dr, Panama City Beach, FL 32408
K-52 mi
Surfside Middle School
300 Nautilus Street, Panama City Beach, FL 32413
6-87.6 mi
J.R. Arnold High School
550 North Alf Coleman Road, Panama City Beach, FL 32407
9-125.8 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 3820 Treasure Cir Get Price Alerts and Save Property

Date
Details
Price
Change
Source
2/27/2026
Price Reduced
$599,000
-4.16%
MLS
2/08/2026
Listed
$625,000
131.48%
MLS
11/05/2021
Sold
$270,000
—
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 3820 Treasure Cir

Year
Property Taxes
Change
Tax Assessment
Change
2025
$4,780
9%
$412,329
9%
2024
$4,405
22%
$379,104
20%
2023
$3,606
293%
$316,202
185%
2021
$917
-67%
$110,941
-53%
2022
$2,785
204%
$237,320
117%
2021
$917
-25%
$109,409
-18%
2019
$1,222
-16%
$133,882
-11%
2018
$1,455
2%
$150,840
2%
2017
$1,430
-2%
$147,738
—
2016
$1,465
-3%
$148,366
—
2015
$1,510
—
$148,294
—
2014
$1,516
10%
$148,915
-1%
2013
$1,377
—
$150,036
—
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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Listed by Anchor Realty Florida

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3820 Treasure Circle, Panama City Beach, FL 32408 (MLS# 784905) is a Single Family property with 5 bedrooms and 4 full bathrooms. 3820 Treasure Circle is currently listed for $599,000 and was received on February 09, 2026. Want to learn more about 3820 Treasure 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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