Skip main navigation
Sold for $535,000
    • $535,000

    3909 Ray St, Panama City Beach, FL 32408

    3beds
    2,112sqft
    Multi Family
    Built in 1983
    -- sqft lot
    $532,900 Zestimate®
    $253/sqft
    $1,509 Estimated rent

    Home value

    $532,900

    $501,000 - $565,000

    $1,509/mo

    Zestimate® history
    Loading
    Loading...

    Owner options

    List your home for rent

    $1,509/mo

    Rent Zestimate®

    Find your next renter with Zillow Rental Manager. Plus, with online applications, you can quickly screen prospective tenants – for free.

    Learn more

    $1,509/mo

    Rent Zestimate®

    Refinance and save

    $3,452/mo

    Est. payment

    Refinancing to a lower rate could help reduce your monthly payments and save thousands over the life of the loan.

    See today's rates

    $3,452/mo

    Est. payment

    Explore your selling options

    Work with a Zillow partner agent

    Leverage their expertise and Zillow's premium Showcase listings to get your home seen by more buyers.

    Get started

    List with your own agent

    Get your home in front of millions of buyers by listing it on Zillow.

    Learn how to do it

    Sell it yourself

    Take full control of how buyers see your home on Zillow by listing For Sale by Owner (FSBO).

    List your home

    What's special

    Quartz countertopsBonus bunk roomSeparate entranceModern kitchenBreezy front patio areaPrivate hot tubStainless steel appliances
    Imagine your own fully furnished coastal retreat--two homes, one unbeatable opportunity--set less than a 1/2 mile from the shimmering sands of Panama City Beach. Nestled in the sought-after South Lagoon area, this turnkey property features a 2-bedroom, 3-bathroom main home with an additional bonus bunk room, perfect for hosting guests or maximizing short-term rental income ($84k RENTAL PROJECTIONS). Inside, a modern kitchen stuns with quartz countertops, stainless steel appliances, and a seamless open floor plan designed for easy living. Enjoy coffee on the upstairs balcony, soak under the stars in your private hot tub, or kick back in the breezy front patio area. But the standout feature? A fully equipped 1-bedroom, 1-bathroom guest house tucked away in the back--complete with its own driveway, kitchen, and separate entrance. Whether you're a house hacker, investor, or just someone who loves your friends and family--but not enough to let them stay in your house--this setup absolutely delivers. Ready to turn your investment goals into beachside reality? Schedule your private tour today.

    Zillow last checked:

    Listing updated:

    Listed by:

    Marc A Miller 850-890-3432,

    Scenic Sotheby's International Realty

    Bought with:

    Non Member

    NON-MEMBER OFFICE

    Source: CPAR,MLS#: 782259MLS LogoOriginating MLS: Central Panhandle Association of REALTORS

    Facts & features

    Interior

    Bedrooms & bathrooms
    • Bedrooms: 3
    • Bathrooms: 4
    • Full bathrooms: 4
    Rooms
    • Room types: Bedroom, Dining Room, Full Bath, Kitchen, Laundry, Living Room, Primary Bathroom, Primary Bedroom, Bonus Room
    Primary bedroom
    • Level: Second
    • Dimensions: 16.8 x 9.7
    Bedroom
    • Level: Second
    • Dimensions: 20.5 x 9.1
    Primary bathroom
    • Level: Second
    • Dimensions: 8.8 x 9.7
    Bonus room
    • Level: Second
    • Dimensions: 10.3 x 9.1
    Dining room
    • Level: First
    • Dimensions: 6.8 x 9.7
    Other
    • Level: First
    • Dimensions: 5.3 x 9.4
    Other
    • Level: Second
    • Dimensions: 5.1 x 9.8
    Kitchen
    • Level: First
    • Dimensions: 18.7 x 9.7
    Laundry
    • Level: First
    • Dimensions: 7.8 x 9.4
    Living room
    • Level: First
    • Dimensions: 23 x 9.4
    Heating
    • Central
    Cooling
    • Central Air
    Appliances
    • Included: Electric Cooktop, Electric Oven
    Features
    • Interior Steps
    Interior area
    • Total structure area: 2,112
    • Total interior livable area: 2,112 sqft

    Property

    Features
    • Patio & porch: Balcony, Deck, Covered, Patio
    • Exterior features: Covered Patio
    • Fencing: Fenced
    • Has view: Yes
    • View description: Lagoon
    • Has water view: Yes
    • Water view: Lagoon
    Lot
    • Size: 7,840 Square Feet
    • Dimensions: 50 x 155
    Details
    • Additional structures: Guest House
    • Parcel number: 30753032000
    • Special conditions: Listed As-Is

    Construction

    Type & style
    • Home type: MultiFamily
    • Property subtype: Multi Family
    Materials
    • Stucco
    • Roof: Metal
    Condition
    • New construction: No
    • Year built: 1983

    Community & HOA

    Community
    • Features: Short Term Rental Allowed
    • Subdivision: Holiday Beach Unit 7
    HOA
    • Has HOA: No
    Location
    • Region: Panama City Beach

    Financial & listing details

    • Price per square foot: $253/sqft
    • Tax assessed value: $360,691
    • Annual tax amount: $4,473
    • Date on market: 5/11/2026
    • Cumulative days on market: 111 days

    Price history

    DateEventPrice
    5/19/2026Sold$535,000-2.7%$253/sqft
    Source: CPAR #782259 Report a problem
    5/11/2026Listed for sale$550,000$260/sqft
    Source: CPAR #782259 Report a problem
    3/27/2026Pending sale$550,000$260/sqft
    Source: CPAR #782259 Report a problem
    3/4/2026Price change$550,000-2.7%$260/sqft
    Source: CPAR #782259 Report a problem
    1/29/2026Price change$565,000-1.7%$268/sqft
    Source: CPAR #782259 Report a problem
    12/3/2025Listed for sale$575,000-1.7%$272/sqft
    Source: CPAR #782259 Report a problem
    11/1/2025Listing removed$584,919$277/sqft
    Source: CPAR #771619 Report a problem
    7/23/2025Price change$584,919-2.2%$277/sqft
    Source: CPAR #771619 Report a problem
    7/15/2025Price change$598,000-3.5%$283/sqft
    Source: CPAR #771619 Report a problem
    5/19/2025Price change$619,900-2.2%$294/sqft
    Source: CPAR #771619 Report a problem
    4/8/2025Listed for sale$633,900+0.6%$300/sqft
    Source: CPAR #771619 Report a problem
    3/21/2025Listing removed$629,900$298/sqft
    Source: CPAR #762934 Report a problem
    1/31/2025Listed for sale$629,900-1.4%$298/sqft
    Source: CPAR #762934 Report a problem
    1/23/2025Listing removed$639,000$303/sqft
    Source: CPAR #762934 Report a problem
    1/23/2025Listed for sale$639,000$303/sqft
    Source: CPAR #762934 Report a problem
    12/16/2024Contingent$639,000$303/sqft
    Source: CPAR #762934 Report a problem
    9/20/2024Listed for sale$639,000+2.4%$303/sqft
    Source: CPAR #762934 Report a problem
    12/15/2023Listing removed--
    Source: CPAR #746606 Report a problem
    11/20/2023Contingent$624,000$295/sqft
    Source: CPAR #746606 Report a problem
    11/3/2023Price change$624,000-0.2%$295/sqft
    Source: CPAR #746606 Report a problem
    9/29/2023Price change$625,000-2.2%$296/sqft
    Source: CPAR #746606 Report a problem
    9/14/2023Listed for sale$639,000+56.5%$303/sqft
    Source: CPAR #746606 Report a problem
    2/28/2023Sold$408,200-10.3%$193/sqft
    Source: eXp Realty #188653451 Report a problem
    1/7/2023Pending sale$455,000$215/sqft
    Source: CPAR #735110 Report a problem
    12/23/2022Price change$455,000-4.2%$215/sqft
    Source: CPAR #735110 Report a problem
    12/2/2022Listed for sale$475,000+188.1%$225/sqft
    Source: CPAR #735110 Report a problem
    7/29/2014Sold$164,900+22.1%$78/sqft
    Source: CPAR #615219 Report a problem
    8/28/2003Sold$135,000$64/sqft
    Source: Public Record Report a problem

    Public tax history

    YearProperty taxesTax assessment
    2024$4,473 +209.5%$360,691 +138.2%
    2023$1,445 +11.2%$151,433 +3%
    2022$1,300 $147,022
    2021-- --
    2020$1,293 +2%$140,769 +2.3%
    2019$1,268 $137,604 +1.9%
    2018$1,268 +0.8%$135,038 +2.1%
    2017$1,257 +1.8%$132,261 -0.4%
    2016$1,235 -31.5%$132,842 -0.5%
    2015$1,802 $133,519 +39.6%
    2014$1,802 $95,631 -0.9%
    2013-- $96,470 -1.4%
    2012-- $97,795 -9%
    2011-- $107,422 -2%
    2010-- $109,602 -25.9%
    2009-- $147,957 -2.7%
    2008-- $152,066 -18.7%
    2007-- $186,929 -22%
    2006-- $239,727 +65.8%
    2005-- $144,610 +22.1%
    2004-- $118,484 +112.5%
    2003-- $55,753 +2.4%
    2002-- $54,446 +1.6%
    2001-- $53,589 +1.3%
    2000-- $52,876
    Find assessor info on the county website

    Neighborhood: Lower Grand Lagoon

    Nearby homes

    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.

    Get pre-qualified for a loan
    At Zillow Home Loans, we can pre-qualify you in as little as 5 minutes with no impact to your credit score.

    An equal housing lender. NMLS #10287.

    Sell for more on Zillow
    Get a Zillow Showcase℠ listing at no additional cost and you could sell for .
    $532,900
    2% more
    +$10,658
    With Zillow Showcase(estimated)
    $543,558

    Nearby cities

    Nearby neighborhoods

    Nearby zip codes

    Other Panama City Beach Topics

      Search
      Updates
      Favorites
      Plan
      Inbox