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$1,195,000 Just Listed

  • For Sale
  • Active
  • Single Family
  • 5 Beds
  • 4 Full Baths
  • 1 Partial Bath
  • Updated 2 days ago
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Experience elevated golf course living at 109 Dragon Circle, ideally positioned along the 8th green and 9th tee box of the prestigious Nicklaus Golf Course in Dragon's Ridge, the newer gated section of Bay Point in Panama City Beach. This beautifully updated residence blends refined finishes, generous living spaces, and resort-style outdoor living in one exceptional setting. Inside, an impressive, oversized kitchen island anchors the open entertaining space, complemented by updated bathrooms, flooring, and fresh interior and exterior paint. Spacious rooms and thoughtfully designed gathering areas create an effortless flow for both everyday living and entertaining. Outdoors, a private pool and hot tub overlooking the golf course create a true backyard retreat. The recently resurfaced pool, expansive outdoor space, three-car garage, oversized driveway, and park directly across the street further enhance the home's appeal. Bay Point offers a lifestyle unlike any other, with the Nicklaus Golf Course, Point South Marina, Gulf access, community boat launch, dining, playgrounds, and more just moments away. Whether enjoying an afternoon on the course, boating the Gulf, or relaxing poolside, 109 Dragon Circle delivers luxury coastal living in one of Panama City Beach's most desirable gated communities.

Full Property Details for 109 Dragon Cir

General

  • Price: $1,195,000
  • HOA FEE: $254/month
  • HOA FEE FREQ.: Annually
  • Taxes: $9,910 (2025)
  • Status: Active
  • Type: Single Family
  • Source: Bay_County
  • MLS ID: 795021
  • Updated: 9/3/2026
  • Added to Site: 2 day(s) ago

Interior

  • Number of Rooms: 5
  • Interior Features: Double Vanity, Interior Steps, Main Level Primary, Sitting Area in Primary, Separate Shower, Walk-In Closet(s)
  • Fireplace: Yes
  • Fireplace(s): Electric
  • Appliances: Bar Fridge, Electric Cooktop, Electric Range, Electric Water Heater

Rooms

Bathrooms

  • Total Bathrooms: 5
  • Full Bathrooms: 4
  • Half Bathrooms: 1

Bedrooms

  • Total Bedrooms: 5

Additional Information

  • Shared Amenities: Gated
  • Pool: Yes
  • Private Pool: Yes
  • Pool Description: Gunite, In Ground, Private
  • Tennis: Yes
  • Security/Safety: Gated with Guard, Gated Community, 24 Hour Security, Security Guard, Security Gate, Smoke Detector(s)

Exterior

  • Exterior Features: Boat Ramp, Covered Patio, Deck
  • Porch/Patio/Deck: Deck, Covered, Patio

Parking

  • Garage: Yes
  • Garage Spaces: 3
  • Parking Features: Paved, Gated

Location

  • County: Bay
  • Subdivision: Bay Point Unit 1
  • Driving Directions: From Thomas Drive, travel EAST on Magnolia Beach Road to Jan Cooley Drive (turn to Nicklaus Golf Curse at Marina. Turn RIGHT on Jan Cooley Drive and make your first LEFT into Dragon's Ridge. Check in at the security gate then make your SECOND LEFT onto Dragon Circle. Home will be on the LEFT across from the park located directly on the golf course.

School Information

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

Community

  • Community Name: 03 - Bay County - Beach
  • Association: Yes
  • Assoc. Fees Include: Association Management, Legal/Accounting, Security, Trash

Heating & Cooling

  • Central air: Yes
  • Air Conditioning: Yes
  • Cooling Type: Central Air, Ceiling Fan(s), ENERGY STAR Qualified Equipment, Multi Units
  • Heating Type: ENERGY STAR Qualified Equipment, Fireplace(s)

Utilities

  • Sewer: Public Sewer

Structural Information

  • Architectural Style: Traditional
  • Construction: Stucco
  • Roof: Shingle
  • Windows: Double Pane Windows
  • Sq. Ft. Source: Appraiser
  • Year Built: 2005

Lot Features

  • Property View: Other
  • Lot Size (Acres): 0.48
  • Lot Size (Sq. Ft.): 20,909
  • Lot Size: .48
  • Lot Dimensions: 55 x 190 x 180 x 138
  • Frontage: Private Road
  • Lot Features: Sprinkler System, Paved
  • Zoning: Resid Single Family
  • Fencing (Description): Fenced, Partial

Water Features

  • Water Front Desc.: Boat Dock/Slip
  • Water Front View: Boat Dock/Slip
  • Boat Dock Slip: Yes

Financial Considerations

  • Association Fee: $3,050
  • Assoc Fee Freq.: Annually
  • Tax Amount: $9,910.28
  • Tax Year: 2025

Disclosures and Reports

  • Legal Description: DRAGON'S RIDGE CORRECTED LOT 5 ORB 4802 P 599
  • Property ID: 31402-525-000

Listed by 1 Percent Lists Florida Coast

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— 109 Dragon Cir —

  • 1 Percent Lists Florida Coast

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NMLS#: 1598647

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Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Schools serving 109 Dragon Cir

School District:Bay County School District
NameGradesDistance
Patronis Elementary School
7400 Patronis Dr, Panama City Beach, FL 32408
K-53.1 mi
Surfside Middle School
300 Nautilus Street, Panama City Beach, FL 32413
6-89 mi
J.R. Arnold High School
550 North Alf Coleman Road, Panama City Beach, FL 32407
9-127 mi
Disclaimer: School attendance boundaries provided by ATTOM Data Solutions and are for reference only. Contact the school directly to verify enrollment eligibility.

Price & Sales History for 109 Dragon Cir Get Price Alerts and Save Property

Date
Details
Price
Change
Source
9/03/2026
Listed
$1,195,000
8.64%
MLS
10/19/2025
Sold
$1,100,000
—
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 109 Dragon Cir

Year
Property Taxes
Change
Tax Assessment
Change
2025
$9,870
141%
$802,860
117%
2024
$4,096
2%
$369,209
3%
2023
$4,034
11%
$358,455
6%
2021
$3,639
—
$337,879
-3%
2022
$3,625
—
$348,015
4%
2021
$3,639
—
$333,214
1%
2019
$3,652
—
$331,117
2%
2018
$3,634
2%
$324,943
2%
2017
$3,579
—
$318,260
2%
2016
$3,562
-2%
$311,714
1%
2015
$3,638
1%
$309,547
1%
2014
$3,601
14%
$307,090
1%
2013
$3,158
—
$302,552
—
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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109 Dragon Circle, Panama City, FL 32408 (MLS# 795021) is a Single Family property with 5 bedrooms, 4 full bathrooms and 1 partial bathroom. 109 Dragon Circle is currently listed for $1,195,000 and was received on September 03, 2026. Want to learn more about 109 Dragon Circle? Do you have questions about finding other Single Family real estate for sale in Panama City? You can browse all Panama City real estate or contact a Coldwell Banker agent to request more information.

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