Schedule Tour
$1,499,000

3532 Treasure Cir

Panama City, FL
Active
4
Bedrooms
3
Bathrooms
2,880
Square Feet
0.12
Lot Size (acres)
2027
Year Built
24
Days On Market

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' dock, 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.

Listing Information

Listing Updated
23 days ago
Listed By
Jeri A MacDonald, 8508146347 · Anchor Realty Florida, 8508997999
MLS#
795278
Source
Central Panhandle Association of REALTORS
Status
Active

Facts & Features

Location

Community Information

Address
3532 Treasure Cir, Panama City, FL 32408
City
Panama City
County
Bay
Neighborhood
[No Recorded Subdiv]
Zip Code
32408

Architecture

Bedrooms
4
Bathrooms
3
Stories
2
Year Built
2027
Style
Coastal
Building Area
2,880 sq. ft.
Levels
Two
Garage Spaces
0

Features & Amenities

Exterior Features
Dock

Property Features

Lot Size
0.12 Acres
Lot Features
Waterfront
Utilities
Sewer Available, Electricity Available, Natural Gas Available
Zoning
Resid Single Family

Square Footage

Total
2,880 sq. ft.

Tax & Financial Information

List Price
$1,499,000
Annual Taxes
$3,533

Schools

99/100
Bay Virtual Franchise
7th & Above · Grades KG–12 · 4.8 mi
City
Panama City
Students
80
Student body
86% White · 9% Hispanic / Latino · 5% Black
Free/reduced lunch
11%
Phone
(850) 767-4460
98/100
Palm Bay Elementary School
Elementary · Grades KG–05 · 4.8 mi
City
Panama City
Students
375
Student body
60% White · 17% Black · 13% Two or More Races
Free/reduced lunch
63%
Phone
(850) 215-0770
85/100
Oakland Terrace School For The Visual And Performing Arts
Grades M–M · 3.9 mi
City
Panama City
Students
328
Student–teacher
13.6
Parent reviews
5.0★ avg · 1 review
Student body
36% White · 32% Black · 23% Hispanic / Latino
Free/reduced lunch
78%
Phone
(850) 767-4565
75/100
Palm Bay Preparatory Academy 6-12
High · Grades 06–12 · 4.8 mi
City
Panama City
Students
125
Parent reviews
5.0★ avg · 1 review
Student body
74% White · 11% Hispanic / Latino · 9% Black
Free/reduced lunch
47%
Phone
(850) 215-0770
56/100
A. Gary Walsingham Academy
Elementary · Grades PK–03 · 3.5 mi
City
Panama City Beach
Students
230
Student body
65% White · 14% Hispanic / Latino · 10% Black
Free/reduced lunch
17%
Phone
(850) 767-5475
55/100
Bay Virtual Instruction Program
7th & Above · Grades KG–12 · 4.8 mi
City
Panama City
Students
54
Student body
91% White · 4% Hispanic / Latino · 4% Two or More Races
Free/reduced lunch
41%
Phone
(850) 747-4460
54/100
Rising Leaders Academy
7th & Above · Grades KG–12 · 4.1 mi
City
Panama City
Students
102
Student body
79% White · 9% Black · 5% Asian
Free/reduced lunch
27%
Phone
(850) 215-0844
54/100
Central High School
High · Grades 09–12 · 4.7 mi
City
Panama City
Students
151
Student body
66% White · 23% Black · 6% Two or More Races
Free/reduced lunch
37%
Phone
(850) 215-0770

School ratings are provided for informational purposes only and are subject to change. Attendance boundaries are for reference only — contact the school or district directly to verify enrollment eligibility.

Historical Data

Price History

DateEventPrice
09/11/2026Listed for sale$1,499,000

Listed by Jeri A MacDonald · Anchor Realty Florida · 8508997999

Listing information provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed by the MLS. Copyright 2026, Central Panhandle Association of REALTORS. All rights reserved.

Last Updated: September 11, 2026 at 2:57 PM | Source: Central Panhandle Association of REALTORS | MLS#: 795278

Let's work together

Start Your Real Estate Journey

Whether you have questions about this listing, want to schedule a showing, or just want to talk through your options, Alene Civil is here to help. Reach out and expect a response within one business day.

How can I help?

Alene Civil is here to help. Reach out and expect a response within one business day.

Lending calculator

Make A Plan For Your Purchase

Know what you can afford before you start shopping — then run the numbers on any home you have in mind.

How much house can I afford?

$500,000
You can afford
$0
Monthly payment
  • Principal & interest
  • Property taxes
  • Homeowner's insurance
  • HOA dues

Enter your income, debts, and down payment to see how much home you may qualify for. Estimates only — not a lending decision.

Want to know more?

Keisha is here to help. Reach out and expect a response within one business day.

Mortgage pre-approval

Your Next Chapter Starts With Just A Few Steps

Before you fall in love with a home, know what you can afford. Fill out a quick pre-approval so you're ready to make your move — on your timeline.

Keisha
Durand
Keisha
LO NMLS: #972729

Pre-approval made easy

We're here to help you find the best option, not to help the best option find you. Trust that your information will not be shared with many different lenders like so many platforms do.