3532 Treasure Circle, Panama City, FL, 32408

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3532 Treasure Circle, Panama City, FL, 32408

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$1,499,000
2 Days On Site

3532 Treasure Circle
Panama City, FL 32408

For Sale|Single Family Residence|Active
4
Beds
3
Total Baths
3
Full Baths
2,880
SqFt
$520
/SqFt
2027
Built
Subdivision:
[No Recorded Subdiv]
County:
Bay
Listing courtesy of Jeri A MacDonald of Anchor Realty Florida
Call Now: 850-786-3054
Is this the listing for you? We can help make it yours.
850-786-3054
3532 Treasure Circle3532 Treasure Circle3532 Treasure Circle3532 Treasure Circle
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Monthly Payment (Est.)

$6,839
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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.

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Listing Snapshot
Price 
$1,499,000
Days On Site 
2 Days
Bedrooms 
4
Inside Area (SqFt) 
2,880 sqft
Total Baths 
3
Full Baths 
3
Partial Baths 
N/A
Lot Size 
0.12 Acres
Year Built 
2027
MLS® Number 
795278
Status 
Active
Property Tax 
$3,533.55
HOA/Condo/Coop Fees 
N/A
Sq Ft Source 
Plans
Friends & Family
Recent Activity
3 days agoListing first seen on site
3 days agoListing updated with changes from the MLS®
General Features
Acres 
0.12
Land Lease 
No
Levels 
Two
Number Of Stories 
2
Property Sub Type 
Single Family Residence
SqFt Total 
2880
Style 
Coastal
Utilities 
Electricity AvailableNatural Gas AvailableSewer Available
Zoning 
Resid Single Family
Interior Features
Furnished? 
None
Kitchen 
Dimensions - 16 x 16Level - First
Living Room 
Dimensions - 20 x 15Level - First
PrimaryBathroom 
Dimensions - 12 x 10Level - First
PrimaryBedroom 
Dimensions - 15 x 15Level - First
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Exterior Features
Exterior 
Dock
Frontage 
Lagoon/Estuary
Lot Features 
Waterfront
Waterfront 
Yes
Waterfront Features 
Lagoon
Community Features
MLS Area 
03 - Bay County - Beach
Schools
School District
Unknown
Elementary School
Patronis
Middle School
Surfside
High School
Arnold
Listing courtesy of Jeri A MacDonald of Anchor Realty Florida



Listing information is provided by Participants of the Central Panhandle Association of REALTORS MLS. IDX information is provided exclusively for 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 is deemed reliable but not guaranteed. Copyright 2026, Central Panhandle Association of REALTORS MLS.
Last checked: 2026-09-14 08:29 AM UTC

Neighborhood & Commute
Source: Walkscore
Disclosure: Community information and market data powered by Constellation Data Labs. Information is deemed reliable but not guaranteed.
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