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Harrison Lilly Team

Owner/Operator | Harrison Lilly Emerald Coast | Harrison Lilly Realty | PLACE

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3532 Treasure Cir , Panama City Beach, FL 32408
$449,000
Est. Payment: $2,480.66/mo
0.13 Acres
Status: Active | Days on site: 500
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BSTG - B0411
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from Harrison Lilly Team, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
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Harrison Lilly Team
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House Description

Direct Grand Lagoon Waterfront + Gulf Access to build your dream home in Florida! This cleared 0.13-acre homesite offers approximately 48' of waterfront, an existing seawall and 180' dock so the hard infrastructure is already finished. You'll be able to park your boat while you build and enjoy waterfront restaurants within minutes! Close to St. Andrews State Park and Shell Island, and a short haul right out to the gulf for fishing or diving. This site is perfect as an elevated waterfront residence as a full time primary, second home or income producing coastal retreat. Perfect water for a Pontoon Boat, this home offers direct boating access to St. Andrew's Bay, and the Gulf right out your back door. Build new around the lifestyle you want instead of paying to renovate somebody else's mess. Buyer to verify zoning, setbacks, flood / elevation requirements and suitability of conceptual plans.
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Highlights

Listed by Jeri A MacDonald , 850-814-6347 Anchor Realty Florida , 850-899-7999. Bay County Association of REALTORS

Property Type

Vacant Land
Lot/Acreage
0.13

County

Bay

Area

03 - Bay County - Beach

 Neighborhood

[No Recorded Subdiv]

Listing ID

770829

Questions about this listing?

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Interior Features

Exterior Features

Lot Dimensions:48 x 120
Zoning:Resid Single Family
Sewer:Public Sewer
Principal Interest
$2,481
Taxes
$290

Home Price

$449,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$89,800
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$2,480.66

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,480.66 $289.78 $0.00 $2,770.44
Yearly $29,767.92 $3,477.34 $0.00 $33,245.26
Total $893,037.72 $104,320.20 $0.00 $997,357.92

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

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Market insight data is pulled from the same city as the listing being viewed (Panama City Beach, FL).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Bay County Association of REALTORS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-10-07T03:46:57.000Z

© 2026 Bay County Association of REALTORS