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For sale
    • $559,000

    3820 Treasure Cir, Panama City Beach, FL 32408

    5beds
    2,365sqft
    : 
    $3,513/mo
    Get pre-qualified
    Single Family Residence
    Built in 1983
    6,534 Square Feet Lot
    $840,200 Zestimate®
    $236/sqft
    $-- HOA

    What's special

    Spacious multi-level beach home
    BANK APPROVED SHORT SALE! READY TO CLOSE WHENEVER YOU ARE! Here's your chance to scoop up a bargain, well below appraised value, in a Prime Panama City Beach Location! Unlock the potential of this spacious, multi-level beach home zoned for short-term rentals. The ground level offers a private-entry studio apartment with full kitchen and bath, perfect for guests or rental income. The main residence comfortably sleeps 10 and features two primary suites with ensuite baths, open-concept living area, and kitchen with quartz countertops and a large island/breakfast bar. The top floor adds two bunkrooms and an additional full bath, ideal for kids or overflow guests. Wide wraparound balconies on both main levels overlook Treasure Island Marina and Captain Anderson's, plus a sun deck where you can watch the fishing fleet return at day's end. Most of the improvements made to the home, including roof, HVAC, kitchen(s), and baths have been done since 2021. Some cosmetic touch-ups could bring this property to its full potential. It is a unique OPPORTUNITY to score a great deal on a primary residence, vacation retreat, or income-producing investment on the beach. THIS IS A SHORT SALE. ALL OFFERS ARE SUBJECT TO THIRD-PARTY APPROVAL.
    189 days
    |
    449
    |
    25
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    Denise B Quintana 850-814-7170,

    Anchor Realty Florida

    Source: CPAR,MLS#: 784905MLS LogoOriginating MLS: Central Panhandle Association of REALTORS

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 5
      • Bathrooms: 4
      • Full bathrooms: 4
      Rooms
      • Room types: Great Room, Primary Bathroom, Primary Bedroom, Studio
      Primary bedroom
      • Level: Second
      • Dimensions: 18 x 12
      Primary bathroom
      • Level: Second
      • Dimensions: 15 x 18
      Other
      • Level: Third
      • Dimensions: 9 x 11
      Other
      • Level: Third
      • Dimensions: 12 x 13
      Great room
      • Level: Second
      • Dimensions: 30 x 27
      Other
      • Level: First
      • Dimensions: 30 x 20
      Heating
      • Central
      Cooling
      • Central Air
      Appliances
      • Included: Electric Oven, Electric Range, Electric Water Heater
      Interior area
      • Total structure area: 2,365
      • Total interior livable area: 2,365 sqft

      Property

      Features
      • Patio & porch: Balcony, Deck
      • Exterior features: Covered Patio, Deck, Outdoor Shower
      • Fencing: Fenced,Privacy
      • Has view: Yes
      • View description: Lagoon
      • Has water view: Yes
      • Water view: Lagoon
      Lot
      • Size: 6,534 Square Feet
      • Dimensions: 75 x 85
      • Features: Paved
      Details
      • Additional structures: Shed(s)
      • Parcel number: 31582000000
      • Zoning description: Resid Multi-Family

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Coastal
      • Property subtype: Single Family Residence
      Materials
      • Wood Siding, Wood Frame
      • Foundation: Pillar/Post/Pier
      • Roof: Metal
      Condition
      • New construction: No
      • Year built: 1983

      Utilities & green energy

      • Sewer: Public Sewer

      Community & HOA

      Community
      • Features: Short Term Rental Allowed
      • Subdivision: Treasure Island
      HOA
      • Has HOA: No
      Location
      • Region: Panama City Beach

      Financial & listing details

      • Price per square foot: $236/sqft
      • Tax assessed value: $379,104
      • Annual tax amount: $4,820
      • Date on market: 2/9/2026
      • Cumulative days on market: 477 days

        Estimated market value

        $840,200

        $798,000 - $882,000

        $3,742/mo

        Price history

        DateEventPrice
        4/15/2026Price change$559,000-6.7%$236/sqft
        Source: CPAR #784905 Report a problem
        2/27/2026Price change$599,000-4.2%$253/sqft
        Source: CPAR #784905 Report a problem
        2/9/2026Listed for sale$625,000-10.7%$264/sqft
        Source: CPAR #784905 Report a problem
        2/2/2026Listing removed$699,900$296/sqft
        Source: ECAOR #987103 Report a problem
        10/6/2025Listed for sale$699,900$296/sqft
        Source: CPAR #780024 Report a problem
        10/1/2025Listing removed$699,900$296/sqft
        Source: CPAR #768011 Report a problem
        8/5/2025Price change$699,900-4%$296/sqft
        Source: CPAR #768011 Report a problem
        7/25/2025Price change$729,000-1.4%$308/sqft
        Source: CPAR #768011 Report a problem
        5/21/2025Price change$739,000-1.3%$312/sqft
        Source: CPAR #768011 Report a problem
        1/31/2025Listed for sale$749,000-6.3%$317/sqft
        Source: CPAR #768011 Report a problem
        10/30/2024Listing removed$799,000$338/sqft
        Source: CPAR #762676 Report a problem
        9/14/2024Listed for sale$799,000-3%$338/sqft
        Source: CPAR #762676 Report a problem
        9/3/2024Listing removed$824,000$348/sqft
        Source: CPAR #760741 Report a problem
        8/21/2024Price change$824,000-5.2%$348/sqft
        Source: CPAR #760741 Report a problem
        8/1/2024Listed for sale$869,000+221.9%$367/sqft
        Source: CPAR #760741 Report a problem
        11/12/2021Sold$270,000-9.7%$114/sqft
        Source: CPAR #709813 Report a problem
        9/9/2021Pending sale$299,000$126/sqft
        Source: CPAR #709813 Report a problem
        8/27/2021Listed for sale$299,000$126/sqft
        Source: CPAR #709813 Report a problem
        8/11/2021Pending sale$299,000$126/sqft
        Source: CPAR #709813 Report a problem
        6/15/2021Price change$299,000-9.1%$126/sqft
        Source: CPAR #709813 Report a problem
        5/26/2021Pending sale$329,000$139/sqft
        Source: CPAR #709813 Report a problem
        5/5/2021Price change$329,000-2.9%$139/sqft
        Source: CPAR #709813 Report a problem
        4/1/2021Listed for sale$339,000+82.3%$143/sqft
        Source: CPAR #709813 Report a problem
        3/22/2017Listing removed$185,932-11.5%$79/sqft
        Source: Auction.com Report a problem
        2/14/2017Listed for sale--
        Source: Auction.com Report a problem
        5/24/2004Sold$210,000+37.3%$89/sqft
        Source: Public Record Report a problem
        3/4/2003Sold$153,000+9.2%$65/sqft
        Source: Public Record Report a problem
        11/1/2002Sold$140,100-19.9%$59/sqft
        Source: Public Record Report a problem
        2/25/2002Sold$175,000+9.4%$74/sqft
        Source: Public Record Report a problem
        11/1/2001Sold$160,000$68/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2024$4,405 +22.2%$337,054 +29.1%
        2023$3,606 +29.5%$261,052 +10%
        2022$2,785 $237,320
        2021-- --
        2020$912 -25.4%$109,409 -18.3%
        2019$1,222 $133,882 -11.2%
        2018$1,222 -16%$150,840 +2.1%
        2017$1,455 +1.7%$147,738 -0.4%
        2016$1,430 -5.3%$148,366 +0%
        2015$1,510 $148,294 -0.4%
        2014$1,510 $148,915 -0.7%
        2013-- $150,036 -1%
        2012-- $151,611 -7.3%
        2011-- $163,638 -3.4%
        2010-- $169,484 -4.2%
        2009-- $176,853 -2%
        2008-- $180,400 -7.6%
        2007-- $195,235 +2.5%
        2006-- $190,473 +3%
        2005-- $184,925 +36.2%
        2004-- $135,787
        2003-- $135,787 +21.7%
        2002-- $111,556 -60.3%
        2001-- $280,945 +13.1%
        2000-- $248,442
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

        Explore the cost of this home by adjusting the details. Changes won't be saved.
        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        See how much you could borrow to make a competitive offer.
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        Climate risks

        Neighborhood: Lower Grand Lagoon

        Getting around

        52 / 100
        Somewhat Walkable
        47 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • Elementary: Patronis
        • Middle: Surfside
        • High: Arnold

        Source: CPAR. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

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