For Sale
Single family home for sale at 3532 Treasure Cir, Panama City, FL 32408 | MLS# 795278 | Listing updated on 2026-09-11
Photo 1 of Single family home for sale at 3532 Treasure Cir, Panama City, FL 32408 | MLS# 795278 | Listing updated on 2026-09-11
Photo 2 of Single family home for sale at 3532 Treasure Cir, Panama City, FL 32408 | MLS# 795278 | Listing updated on 2026-09-11
Photo 3 of Single family home for sale at 3532 Treasure Cir, Panama City, FL 32408 | MLS# 795278 | Listing updated on 2026-09-11
Photo 4 of Single family home for sale at 3532 Treasure Cir, Panama City, FL 32408 | MLS# 795278 | Listing updated on 2026-09-11
9+
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Street View

$1,499,000

Monthly Est:$7,461

  • Beds Icon4 Beds
  • Beds Icon
    3 Baths
  • Beds Icon2,880sqft

3532 Treasure Cir, Panama City, FL 32408

$7,461/moEst:

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  • Single Family Residence

  • Built in 2027

  • $-- HOA

  • 0.13 acre lot

  • $520/sq.ft

Description

DIRECT GRAND LAGOON WATERFRONT + GULF ACCESS.

TO BE BUILT: $1,499,000 land + proposed home package. Elevated waterfront residence offers approximately 2,880 SF heated/cooled, 3 bedrooms plus office/flex 4th bedroom, 3 baths and approximately 528 SF of covered outdoor living. Pricing, specifications, finishes, plans and construction costs subject to final builder contract, engineering, permitting and buyer selections. Build the waterfront lifestyle instead of trying to find it already built. Architectural plans and renderings are included.

This cleared 0.13-acre homesite offers approximately 48 feet of Grand Lagoon frontage, an existing seawall, approximately 180' do
ck, public sewer availability and NO HOA. STR allowed and golf cart to the beach or to many popular local restaurants, the marina, and attractions within minutes.

The open living, dining and kitchen areas are positioned around the water, with generous covered porches designed to extend the living space toward Grand Lagoon. An elevated coastal design also creates valuable covered space below while maximizing views from the primary living level.

Significant waterfront infrastructure is already in place. The property is cleared and includes an existing seawall and approximately 180' dock, giving a future owner direct access to the lagoon while planning and building. From here, enjoy protected boating waters with access to St. Andrews Bay, Shell Island and the Gulf, along with waterfront restaurants, marinas and the best of the Panama City Beach boating lifestyle just minutes away.

Whether envisioned as a full-time waterfront residence, second home or potential vacation-rental property subject to applicable regulations, this site offers the increasingly rare opportunity to build new around the lifestyle you actually want instead of renovating somebody else's version of it.

Architectural plans and renderings are provided for informational and visualization purposes. Buyer to independently verify current plan suitability, zoning, setbacks, permitting, flood/elevation requirements, utilities, construction costs, dock and seawall condition/permitting and all intended uses. Seller is a licensed Florida real estate agent.

  • Houzeo last checked: 7 minutes ago
  • Listing updated: September 11, 2026 at 2:50 pm
  • Listing Provided by: Jeri A MacDonald (850) 814-6347 DRE #0703349 | Anchor Realty Florida (850) 899-7999
  • Source: Bay/Panama City/Central Panhandle MLS-FL | MLS#: 795278 Bay/Panama City/Central Panhandle MLS-FL

Property Details

  • Status

    Active

  • Type

    Single Family Residence

  • No. of Stories

    2

  • County

    Bay County

  • City

    Panama City

  • Neighborhood

    --

  • Year Built

    2027

  • HOA Fees

    -

  • Finished Area

    2,880 sqft

  • Lot Size

    0.13 acre lot

  • Basement Area

    - sqft

  • MLS Name

    Bay/Panama City/Central Panhandle MLS

  • MLS Number

    795278

  • MLS Status

    Active

  • Days on Market

    54

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Location

Facts & Features

Rooms

  • Bedrooms & bathrooms

    Bedrooms: 4

    Bathrooms: 3

  • PrimaryBathroom

    Level: First

    Area: 120.00 Square Feet

    Dimensions: 12 x 10

  • PrimaryBedroom

    Level: First

    Area: 225.00 Square Feet

    Dimensions: 15 x 15

  • Kitchen

    Level: First

    Area: 256.00 Square Feet

    Dimensions: 16 x 16

  • LivingRoom

    Level: First

    Area: 300.00 Square Feet

    Dimensions: 20 x 15

Interior

  • Interior Features

    Main Level Primary

  • Exterior Features

    Dock

Construction

  • Year Built

    Year Built: 2027

  • Home type

    Single Family Residence

  • Architectural Style

    Coastal

Utilities & Energy

  • Utilities

    Electricity Available, Natural Gas Available, Sewer Available

Other Features

  • Community Features

    Dock, Short Term Rental Allowed

  • Subdivision Name

    [no Recorded Subdiv]

Price History

DateEventPrice

09/11/2026

Source: mls_logoBay/Panama City/Central Panhandle MLS-FL #795278

Price Increased

$1,499,000 +222.37%

$520/sqft

01/21/2026

Source: mls_logoBay/Panama City/Central Panhandle MLS-FL #770829

Price Increased

$465,000 +3.56%

$161/sqft

01/21/2026

Source: mls_logoBay/Panama City/Central Panhandle MLS-FL #770829

Price Decreased

$449,000 -15.28%

$156/sqft

10/06/2025

Source: mls_logoBay/Panama City/Central Panhandle MLS-FL #770829

Off Market

$530,000 -7.83%

$184/sqft

06/13/2025

Source: mls_logoBay/Panama City/Central Panhandle MLS-FL #770829

Listed for Sale

$575,000

$200/sqft

Show more

Nearby Homes

Based on information from Central Panhandle Association of REALTORS® MLS through Nov 05, 2026, 12:00AM. IDX information is provided exclusively for consumers’ personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by the MLS. ©2026 Bay Central Panhandle Association of REALTORS®

Advertising Broker: Moe Mossa (Savvy Avenue) | Savvy Avenue, LLC

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