Ad #6845857
MLS #779329
PERFECT LOCATION. MOVE-IN READY. FULLY FURNISHED. BOAT
3530 Treasure Cir, Panama City Beach, FL 32408
$1,199,999
3Beds
3Baths
1,986Sqft
0.22Acres
About this property
PERFECT LOCATION. MOVE-IN READY. FULLY FURNISHED. BOAT AVAILABLE FOR PURCHASE. SELLER WILL CONSIDER OFFERS INCLUDING THE HOME AND BOAT. RARE WATERFRONT. RENTAL PROJECTION OF $70K-$80K. PRIVATE DOCK + LIFT. Set near the mouth of the lagoon in Panama City Beach, this waterfront property offers the kind of location, scenery, and boating access that can stand out to both personal-use buyers and short-term rental investors. Offered fully furnished and move-in ready, the property also presents an opportunity to purchase the boat currently at the home. The seller is having the boat appraised and will consider offers involving both the home and boat. With a rental projection estimating year-one revenue of $70,000 to $80,000, this is more than a waterfront retreat--it is a scarce location-first opportunity with income-producing potential. Positioned on a quiet loop in one of the closest residential pockets to the lagoon mouth, the property offers quicker runs to open water, marinas, beaches, dining, and Panama City Beach attractions while still maintaining a calm, tucked-away feel at home. Out back, a private dock with powered boat lift makes ''go now'' boating simple. When dinner calls, it is an easy hop by boat across the lagoon to local favorites like Capt. Anderson's or The Grand Marlin, or stay dockside and fish for saltwater trout and redfish right from the backyard. The setting gives guests and owners a true waterfront experience, with passing boats and jet skis, ospreys and eagles overhead, dolphins making regular rounds, and large-scale Fourth of July fireworks visible from the dock and both screened porches. These are the details that help separate a short-term rental from a standard beach-area property. Built with 2x6 construction, hurricane-rated doors and windows, spray-foam insulation throughout, including interior walls, and pilings driven approximately 47 feet, the home blends efficiency, resilience, and long-term utility. Inside, well-appointed living spaces are oriented toward the water and flow to a screened-in back porch. The interior also features black walnut cabinetry and custom-made, full-size solid oak bunks, adding distinctive craftsmanship and durable materials to the home. Upstairs, the primary suite has its own screened porch, creating another strong vantage point for enjoying the wildlife, watercraft, and lagoon views throughout the day. Additional property features are worth noting. All fencing that lines the property is owned by the seller. The side of the home includes a full RV hookup, along with a grinding system connected to the sewer. The irrigation system is supplied by well water, adding another practical feature for ongoing landscape maintenance. For buyers comparing Panama City Beach waterfront homes with rental potential, 3530 Treasure Circle brings together private boating infrastructure, lagoon-mouth proximity, water views, screened outdoor living, furnished convenience, RV capability, and the option to purchase the boat for an even more complete waterfront setup. The result is a waterfront property with both lifestyle appeal and investment positioning, exactly where you want to be when access, scenery, and income potential matter most. All information is believed accurate but not guaranteed; buyer to verify if important.
Property Features
3 Beds
3 Baths
1,986 Sqft
Built in 2017
0.22 Acres
2 Stories
View Type: Water
Siding: HardiplankType, WoodFrame
Metal Roof
Central, Electric (Heating)
$5,690 / yr property tax
Bay County
Hampton Harbor Community
Additional Photos
Contact Information
Sean P Casilli
Coldwell Banker Realty
850-771-7731
Location
Listing Agent: Sean P Casilli (License #: SL3389725) 850-771-7731
Broker: Coldwell Banker Realty 850-814-0037 Listing Site
Copyright © 2026 Central Panhandle Association of REALTORS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.
Broker: Coldwell Banker Realty 850-814-0037 Listing Site
Copyright © 2026 Central Panhandle Association of REALTORS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.
BarrierFreeHome.com
Printed Oct 23, 2026
Photo Gallery
$1,199,999
3
Beds
3
Baths
1,986
Sqft
3530 Treasure Cir, Panama City Beach, FL 32408
By contacting this agent you agree to these Terms and Conditions.
MLS# 779329
$1,199,999
3530 Treasure Cir, Panama City Beach, FL 32408
3
Beds
3
Baths
1,986
Sqft
0.22
Acres
3 Beds
3 Baths
1,986 Sqft
0.22 Acres
Accessibility Features
Accessible Approach with Ramp
PERFECT LOCATION. MOVE-IN READY. FULLY FURNISHED. BOAT
PERFECT LOCATION. MOVE-IN READY. FULLY FURNISHED. BOAT AVAILABLE FOR PURCHASE. SELLER WILL CONSIDER OFFERS INCLUDING THE HOME AND BOAT. RARE WATERFRONT. RENTAL PROJECTION OF $70K-$80K. PRIVATE DOCK + LIFT. Set near the mouth of the lagoon in Panama City Beach, this waterfront property offers the kind of location, scenery, and boating access that can stand out to both personal-use buyers and short-term rental investors. Offered fully furnished and move-in ready, the property also presents an opportunity to purchase the boat currently at the home. The seller is having the boat appraised and will consider offers involving both the home and boat. With a rental projection estimating year-one revenue of $70,000 to $80,000, this is more than a waterfront retreat--it is a scarce location-first opportunity with income-producing potential. Positioned on a quiet loop in one of the closest residential pockets to the lagoon mouth, the property offers quicker runs to open water, marinas, beaches, dining, and Panama City Beach attractions while still maintaining a calm, tucked-away feel at home. Out back, a private dock with powered boat lift makes ''go now'' boating simple. When dinner calls, it is an easy hop by boat across the lagoon to local favorites like Capt. Anderson's or The Grand Marlin, or stay dockside and fish for saltwater trout and redfish right from the backyard. The setting gives guests and owners a true waterfront experience, with passing boats and jet skis, ospreys and eagles overhead, dolphins making regular rounds, and large-scale Fourth of July fireworks visible from the dock and both screened porches. These are the details that help separate a short-term rental from a standard beach-area property. Built with 2x6 construction, hurricane-rated doors and windows, spray-foam insulation throughout, including interior walls, and pilings driven approximately 47 feet, the home blends efficiency, resilience, and long-term utility. Inside, well-appointed living spaces are oriented toward the water and flow to a screened-in back porch. The interior also features black walnut cabinetry and custom-made, full-size solid oak bunks, adding distinctive craftsmanship and durable materials to the home. Upstairs, the primary suite has its own screened porch, creating another strong vantage point for enjoying the wildlife, watercraft, and lagoon views throughout the day. Additional property features are worth noting. All fencing that lines the property is owned by the seller. The side of the home includes a full RV hookup, along with a grinding system connected to the sewer. The irrigation system is supplied by well water, adding another practical feature for ongoing landscape maintenance. For buyers comparing Panama City Beach waterfront homes with rental potential, 3530 Treasure Circle brings together private boating infrastructure, lagoon-mouth proximity, water views, screened outdoor living, furnished convenience, RV capability, and the option to purchase the boat for an even more complete waterfront setup. The result is a waterfront property with both lifestyle appeal and investment positioning, exactly where you want to be when access, scenery, and income potential matter most. All information is believed accurate but not guaranteed; buyer to verify if important.
339 days
on BarrierFreeHome.com
202
views
0
saves
Property Details
HOME DETAILS
3 Beds
3 Baths
1,986 Sqft
Built in 2017
0.22 Acres
2 Stories
BARRIERFREE ACCESS & VIEW
View Type: Water
EXTERIOR
Siding: HardiplankType, WoodFrame
Metal Roof
INTERIOR
Central, Electric (Heating)
FINANCIAL & COMMUNITY
$5,690 / yr property tax
Bay County
Hampton Harbor Community
See More Details
Location
Mortgage Calculator
About Panama City Beach
Find Vacation Rental Beach Houses on Panama City Beach in FL! Book online - beachfront homes, cottages and condos for rent. Oceanfront homes with private pools. One of the best destinations for families. Pay less (no service fees!) and get a great deal on popular rentals now. Find family fun things to do in the Gulf Coast of Florida. A tropical paradise for a romantic waterfront wedding.
Ad Statistics
Ad Number
6845857
Viewed
202 times
Listing Status
Active
Added
Nov 17, 2025
Last Refreshed
Oct 23, 2026 12:45:43 AM
Listing Information
Data Source
Central Panhandle Association of REALTORS
Source Property ID
779329
Listing Agent: Sean P Casilli (License #: SL3389725) 850-771-7731
Broker: Coldwell Banker Realty 850-814-0037 Listing Site
Copyright © 2026 Central Panhandle Association of REALTORS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.
Broker: Coldwell Banker Realty 850-814-0037 Listing Site
Copyright © 2026 Central Panhandle Association of REALTORS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.
Request Information
Start advertising today
Explore options for real estate agents and homeowners advertising on BarrierFreeHome.com
Sell Your Home
Explore Similar Properties
