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$419,900
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Property Description
2.875% Assumable VA Loan! This home features an assumable VA loan with an approximate balance of $275,000 at an attractive 2.875% interest rate (subject to lender approval and VA assumption requirements). Custom home built by Ben Wortman Welcome to 3915 Indian Springs Road in the highly desirable Riverside community of Panama City! Built in 2021, this spacious 4-bedroom + bonus room with a closet, 2.5-bath, home offers over 2,600 square feet of thoughtfully designed living space with modern finishes, open-concept living, and plenty of room for entertaining. Step inside to discover a bright and inviting floor plan featuring a large living area, high ceilings, abundant natural light, and a beautifully designed kitchen complete with granite countertops, stainless steel appliances, a large island, and ample cabinet space. The oversized primary suite provides a relaxing retreat with a spacious ensuite bath, double vanities, soaking tub, separate shower, and generous walk-in closet. Upstairs offers additional living flexibility with spacious guest bedrooms and a versatile loft area perfect for a second living room, office, playroom, or media space. The backyard provides plenty of room for outdoor entertaining and pets. Located in the sought-after Riverside subdivision, residents enjoy convenient access to schools, shopping, dining, Tyndall Air Force Base, and all that Panama City has to offer. This move-in ready home combines modern construction, energy efficiency, and functional living in one of the area's fastest-growing communities. Why People Choose Riverside: Schools: Sits directly across from North Bay Haven Charter Academy a K-12 school in Bay County. Amenities: Features over 2 miles of paved walking trails, community pool, fitness center, waterfront community docks, a clubhouse, playground, and a basketball court. Vibe: Known for its lush greenery, mature oak trees draped in Spanish moss, and a quiet, tight-knit neighborhood atmosphere. Schedule your showing today!
Full Property Details
Full Property Details for 3915 Indian Springs Rd
General
- Sold For: $419,900
- HOA FEE: $132/month
- Taxes: $3,765 (2025)
- Status: Closed
- Type: Single Family
- Source: Bay_County
- MLS ID: 791568
- Added to Site: 114 day(s) ago
Interior
- Number of Rooms: 9
- Interior Features: Coffered Ceiling(s), Double Vanity, Main Level Primary, Separate Shower, Walk-In Closet(s)
- Appliances: Electric Oven, Electric Range, Electric Water Heater
Rooms
Bathrooms
- Total Bathrooms: 3
- Full Bathrooms: 2
- Half Bathrooms: 1
Bedrooms
- Total Bedrooms: 4
Additional Information
- Shared Amenities: Picnic Area
- Pool: Yes
- Pool Description: In Ground, Community
- Security/Safety: Carbon Monoxide Detector(s), Fire Alarm
Exterior
- Porch/Patio/Deck: Balcony
Parking
- Garage: Yes
- Garage Spaces: 2
- Parking Features: Garage, Garage Door Opener
Location
- County: Bay
- Subdivision: Riverside Phase III
- Driving Directions: Hwy 231 N to Hwy 390, left on Cato Rd, right on Indian Springs Rd, property on right. Look for sign.
School Information
- Elementary School: Deer Point
- Middle School: Merritt Brown
- High School: Mosley
Community
- Community Name: 02 - Bay County - Central
- Association: Yes
- Assoc. Fees Include: Fitness Facility, Legal/Accounting, Playground, Pool(s), Recreation Facilities
Heating & Cooling
- Central air: Yes
- Air Conditioning: Yes
- Cooling Type: Central Air, Ceiling Fan(s), ENERGY STAR Qualified Equipment
- Heating Type: Central, Heat Pump
Utilities
- Utility Description: Electricity Available, Sewer Available
Structural Information
- Architectural Style: Craftsman
- Construction: HardiPlank Type, Vinyl Siding, Wood Frame
- Roof: Composition, Shingle
- Windows: Double Pane Windows
- Stories/Levels: 2
- Sq. Ft. Source: Plans
- Year Built: 2021
Lot Features
- Lot Size (Acres): 0.21
- Lot Size (Sq. Ft.): 9,100
- Lot Size: .21
- Lot Dimensions: 50 x 182
- Frontage: Private Road
- Lot Features: Sprinkler System, Paved
- Zoning: Resid Single Family
Financial Considerations
- Association Fee: $132
- Assoc Fee Freq.: Monthly
- Tax Amount: $3,765
- Tax Year: 2025
Disclosures and Reports
- Special Conditions: Listed As-Is
- Legal Description: RIVERSIDE PHASE III LOT 74 ORB 418 P 4004 ORB 2202 P 1159 ORB 2356 P 1158 ORB 4454 P 302
- Property ID: 11476-120-470
Listed by Think Real Estate
Sold by Keller Williams Success Realty
Get Pre-Approved Today
Schools
Schools serving 3915 Indian Springs Rd
School District:Bay County School District
| Name | Grades | Distance |
|---|---|---|
Deer Point Elementary School 4800 Highway 2321, Panama City, FL 32404 | K-5 | 1.9 mi |
Merritt Brown Middle School 5044 Merritt Brown Way, Panama City, FL 32404 | 6-8 | 2.3 mi |
A. Crawford Mosley High School 501 Mosley Drive, Lynn Haven, FL 32444 | 9-12 | 3.1 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 3915 Indian Springs Rd
Date
Details
Price
Change
Source
9/03/2026
Sold
$419,900
—
MLS
7/30/2026
Price Reduced
$419,900
-0.97%
MLS
7/16/2026
Price Reduced
$424,000
-0.93%
MLS
6/18/2026
Listed
$428,000
—
MLS
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
3915 Indian Springs Road, Panama City, FL 32404 (MLS# 791568) is a Single Family property that was sold at $419,900 on September 03, 2026. Want to learn more about 3915 Indian Springs Road? 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.

