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Street View
$559,000
Monthly Est:$2,782
5 Beds
- 4 Baths
4 full baths
2,365sqft
3820 Treasure Cir, Panama City, FL 32408
$559,000
$2,782/moEst:
Get Pre-Approved
Single Family Residence
Built in 1983
$-- HOA
0.15 acre lot
$236/sq.ft
Description
BANK APPROVED SHORT SALE! READY TO CLOSE WHENEVER YOU ARE! Here's your chance to scoop up a bargain, well below appraised value, in a 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.
- Houzeo last checked: 6 minutes ago
- Listing updated: November 3, 2026 at 2:54 pm
- Listing Provided by: Denise B Quintana DRE #3167554 | Anchor Realty Florida (850) 899-7999
- Source: Bay/Panama City/Central Panhandle MLS-FL | MLS#: 784905

Property Details
Status
Pending
Type
Single Family Residence
No. of Stories
-
County
City
Neighborhood
--
Year Built
1983
HOA Fees
-
Finished Area
2,365 sqft
Lot Size
0.15 acre lot
Basement Area
- sqft
MLS Name
Bay/Panama City/Central Panhandle MLS
MLS Number
784905
MLS Status
Pending
Days on Market
268
Cumulative Days on Market
554

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Location
Facts & Features
Rooms
Bedrooms & bathrooms
Bedrooms: 5
Bathrooms: 4
PrimaryBedroom
Level: Second
Area: 216.00 Square Feet
Dimensions: 18 x 12
PrimaryBathroom
Level: Second
Area: 270.00 Square Feet
Dimensions: 15 x 18
GreatRoom
Level: Second
Area: 810.00 Square Feet
Dimensions: 30 x 27
Studio
Level: First
Area: 600.00 Square Feet
Dimensions: 30 x 20
Interior
Appliances
Electric Oven, Electric Range, Electric Water Heater
Exterior Features
Covered Patio, Deck, Outdoor Shower
Sewer
Public Sewer
Cooling
Central Air
Heating
Central
Interior Features
Shower Only, Upper Level Primary
Construction
Year Built
Year Built: 1983
Home type
Single Family Residence
Roof
Metal
Foundation Details
Pillar Post Pier
Architectural Style
Coastal
Construction Materials
Wood Siding, Wood Frame
Other Features
Patio And Porch Features
Balcony, Deck
Community Features
Short Term Rental Allowed
Lot Features
Paved
Subdivision Name
Treasure Island
Price History
| Date | Event | Price |
|---|---|---|
08/24/2026 Source: | Pending | $559,000 $236/sqft |
04/15/2026 Source: | Price Decreased | $559,000 -6.68% $236/sqft |
02/27/2026 Source: | Price Decreased | $599,000 -4.16% $253/sqft |
02/09/2026 Source: | Price Decreased | $625,000 -10.70% $264/sqft |
10/06/2025 Source: | Off Market | $699,900 $296/sqft |
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Based on information from Central Panhandle Association of REALTORS® MLS through Nov 04, 2026, 11:15PM. 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®
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