Pending
Sale Pending at 3820 Treasure Cir, Panama City, FL 32408 | MLS# 784905 | Listing updated on 2026-11-03
Photo 1 of Sale Pending at 3820 Treasure Cir, Panama City, FL 32408 | MLS# 784905 | Listing updated on 2026-11-03
Photo 2 of Sale Pending at 3820 Treasure Cir, Panama City, FL 32408 | MLS# 784905 | Listing updated on 2026-11-03
Photo 3 of Sale Pending at 3820 Treasure Cir, Panama City, FL 32408 | MLS# 784905 | Listing updated on 2026-11-03
Photo 4 of Sale Pending at 3820 Treasure Cir, Panama City, FL 32408 | MLS# 784905 | Listing updated on 2026-11-03
11+
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Street View

$559,000

Monthly Est:$2,782

  • Beds Icon5 Beds
  • Beds Icon
    4 Baths
  • Beds Icon2,365sqft

3820 Treasure Cir, Panama City, FL 32408

$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 wrapa
round 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 Bay/Panama City/Central Panhandle MLS-FL

Property Details

  • Status

    Pending

  • Type

    Single Family Residence

  • No. of Stories

    -

  • County

    Bay County

  • City

    Panama 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

DateEventPrice

08/24/2026

Source: mls_logoBay/Panama City/Central Panhandle MLS-FL #784905

Pending

$559,000

$236/sqft

04/15/2026

Source: mls_logoBay/Panama City/Central Panhandle MLS-FL #784905

Price Decreased

$559,000 -6.68%

$236/sqft

02/27/2026

Source: mls_logoBay/Panama City/Central Panhandle MLS-FL #784905

Price Decreased

$599,000 -4.16%

$253/sqft

02/09/2026

Source: mls_logoBay/Panama City/Central Panhandle MLS-FL #784905

Price Decreased

$625,000 -10.70%

$264/sqft

10/06/2025

Source: mls_logoBay/Panama City/Central Panhandle MLS-FL #780024

Off Market

$699,900

$296/sqft

Show more

Nearby Homes

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®

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

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