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3530 Treasure Circle, Panama City, FL 32408

$1,259,000
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Active
BEDS3 BATHS3 full SQUARE FEET1,986 MLS#779329
STATUSActive PROPERTY TYPEResidential - Single Family SUBDIVISIONHampton Harbor

Property Description

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. 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: 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. 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. For buyers comparing Panama City Beach waterfront homes with rental potential, this property offers a rare combination: private boating infrastructure, lagoon-mouth proximity, water views, screened outdoor living, and projected year-one rental revenue of $70,000 to $80,000. 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.

3530 Treasure Circle | MLS# 779329

This single family home located at 3530 Treasure Circle, Panama City, FL 32408 is currently listed for sale with an asking price of $1,259,000. This property was built in 2017 and has 3 bedrooms and 3 full baths with 1986 sq. ft. Treasure Circle is located in the Hampton Harbor subdivision. Search Hampton Harbor real estate on www.realtymarkllc.com today.

Property Features

Property Type: Residential - Single Family
Cooling: Central Air
Heating: Central, Electric
Home Style: Craftsman
Lot Size: 0.22 Acres
Roof Type: Metal
Stories: 2.0
Taxes: $5,690
Year Built: 2017

Amenities

Loft
Boat Lift
Boat Ramp
Dock
Porch

Feature Descriptions

Appliances: Electric Oven, Electric Range, Electric Water Heater
Community Features: Short Term Rental Allowed
Days on Site: 253
Door Features: Storm Door(s)
Exterior: HardiPlank Type, Wood Frame
Fencing: Partial
Lot: Sprinkler System
Parcel#: 31430-010-000
Patio/Porch: Balcony, Porch, Screened
Sewer: Public Sewer
Special View Info: Lagoon
Utilities: Cable Connected, Electricity Available
Waterfront: Lagoon, Boat Dock/Slip
Window: Double Pane Windows, Storm Window(s)

Room Sizes

Primary Bedroom: 16.3 X 16.6 Level - Second
Primary Bathroom: 16.3 X 11.2 Level - Second
Loft: 10.3 X 13.1 Level - Second
Porch: 17.6 X 10.6 Level - First
Full Bath: 10.1 X 7.1 Level - First
Bedroom: 10.1 X 12.11 Level - First
Full Bath: 4.9 X 8.4 Level - First
Bedroom: 10.4 X 13.3 Level - First
Laundry: 6.7 X 7.2 Level - First
Living Room: 11.2 X 17.4 Level - First
Kitchen: 10.4 X 13.11 Level - First
Screened Porch: 26 X 7.5 Level - First
Other: 8 X 7.8 Level - Second

Local Schools

High School: Arnold
Middle School: Surfside
Elementary School: Patronis

Listed By / Shown By

Listed By

Agency Name: Coldwell Banker Realty

Shown By

Agency Title: RealtyMark
Agency Phone: 888-260-0400

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Estimated Payment

$ 3,643.36 per month $2,801.99 Principal & Interest $474.17 Property Tax $367.21 Homeowner's Insurance

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All commissions are negotiable Disclaimer: All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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 on this site was last updated 06/01/2026. The listing information on this page last changed on 06/01/2026. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of Delta Media Group MLS (last updated Mon 06/01/2026 12:00:01 AM EST) or Stellar MLS (last updated Sun 05/31/2026 11:43:57 PM EST) or GSMLS (last updated Sun 05/31/2026 11:55:36 PM EST) or Emerald Coast MLS (last updated Sun 05/31/2026 11:55:18 PM EST) or Central Panhandle Association of Realtors (last updated Sun 05/31/2026 11:57:18 PM EST) or Beaches MLS (last updated Sun 05/31/2026 11:57:34 PM EST) or Naples MLS (last updated Sun 05/31/2026 11:40:24 PM EST) or Bright MLS (last updated Sun 05/31/2026 11:49:15 PM EST) or OneKey MLS (last updated Sun 05/31/2026 11:53:19 PM EST). Real estate listings held by brokerage firms other than RealtyMark may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. All rights reserved.
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