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Pending
    • Price cut: $4.1K (7/30)
    $419,900

    3915 Indian Springs Rd, Panama City, FL 32404

    4beds
    2,656sqft
    : 
    $2,802/mo
    Get pre-qualified
    Single Family Residence
    Built in 2021
    9,147 Square Feet Lot
    $414,000 Zestimate®
    $158/sqft
    $132/mo HOA

    What's special

    Modern finishesLarge islandSpacious guest bedroomsGranite countertopsAbundant natural lightHigh ceilingsSpacious ensuite bath
    2.875% Assumable VA Loan! This home features an assumable VA loan with an approximate balance of $275,000 at an attractive 2.875% interest rate (subject to lender approval and VA assumption requirements). Custom home built by Ben Wortman Welcome to 3915 Indian Springs Road in the highly desirable Riverside community of Panama City! Built in 2021, this spacious 4-bedroom + bonus room with a closet, 2.5-bath, home offers over 2,600 square feet of thoughtfully designed living space with modern finishes, open-concept living, and plenty of room for entertaining. Step inside to discover a bright and inviting floor plan featuring a large living area, high ceilings, abundant natural light, and a beautifully designed kitchen complete with granite countertops, stainless steel appliances, a large island, and ample cabinet space. The oversized primary suite provides a relaxing retreat with a spacious ensuite bath, double vanities, soaking tub, separate shower, and generous walk-in closet. Upstairs offers additional living flexibility with spacious guest bedrooms and a versatile loft area perfect for a second living room, office, playroom, or media space. The backyard provides plenty of room for outdoor entertaining and pets. Located in the sought-after Riverside subdivision, residents enjoy convenient access to schools, shopping, dining, Tyndall Air Force Base, and all that Panama City has to offer. This move-in ready home combines modern construction, energy efficiency, and functional living in one of the area's fastest-growing communities. Why People Choose Riverside: Schools: Sits directly across from North Bay Haven Charter Academy a K-12 school in Bay County. Amenities: Features over 2 miles of paved walking trails, community pool, fitness center, waterfront community docks, a clubhouse, playground, and a basketball court. Vibe: Known for its lush greenery, mature oak trees draped in Spanish moss, and a quiet, tight-knit neighborhood atmosphere. Schedule your showing today!
    59 days
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    411
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    31
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    Zillow last checked:

    Listing updated:

    Listed by:

    Ronnie W Evans 850-774-9328,

    Think Real Estate

    Source: CPAR,MLS#: 791568MLS LogoOriginating MLS: Central Panhandle Association of REALTORS

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 4
      • Bathrooms: 3
      • Full bathrooms: 2
      • 1/2 bathrooms: 1
      Rooms
      • Room types: Bonus Room, Bedroom, Dining Room, Family Room, Kitchen, Living Room, Primary Bedroom
      Primary bedroom
      • Description: *Verify if important
      • Level: First
      • Dimensions: 13.1 x 14.14
      Bedroom
      • Description: *Verify if important
      • Level: Second
      • Dimensions: 13.4 x 10.8
      Bedroom
      • Description: *Verify if important
      • Level: Second
      • Dimensions: 13.4 x 12.6
      Bedroom
      • Description: *Verify if important
      • Level: Second
      • Dimensions: 11.7 x 14
      Bonus room
      • Description: *Verify if important
      • Level: Second
      • Dimensions: 10.4 x 20.6
      Dining room
      • Description: *Verify if important
      • Level: First
      • Dimensions: 11 x 11
      Family room
      • Description: *Verify if important
      • Level: Second
      • Dimensions: 18.8 x 12.8
      Kitchen
      • Description: *Verify if important
      • Level: First
      • Dimensions: 9 x 11
      Living room
      • Description: *Verify if important
      • Level: First
      • Dimensions: 21.6 x 14.4
      Heating
      • Central, Heat Pump
      Cooling
      • Central Air, Ceiling Fan(s), ENERGY STAR Qualified Equipment
      Appliances
      • Included: Electric Oven, Electric Range, Electric Water Heater
      Features
      • Coffered Ceiling(s), Double Vanity, Main Level Primary, Separate Shower, Walk-In Closet(s)
      • Windows: Double Pane Windows
      Interior area
      • Total structure area: 2,656
      • Total interior livable area: 2,656 sqft

      Property

      Parking
      • Total spaces: 2
      • Parking features: Garage, Garage Door Opener
      • Garage spaces: 2
      Features
      • Levels: Two
      • Stories: 2
      • Patio & porch: Balcony
      • Pool features: In Ground, Community
      Lot
      • Size: 9,147 Square Feet
      • Dimensions: 50 x 182
      • Features: Sprinkler System, Paved
      Details
      • Parcel number: 11476120470
      • Zoning description: Resid Single Family
      • Special conditions: Listed As-Is

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Craftsman
      • Property subtype: Single Family Residence
      Materials
      • HardiPlank Type, Vinyl Siding, Wood Frame
      • Foundation: Slab
      • Roof: Composition,Shingle
      Condition
      • New construction: No
      • Year built: 2021

      Utilities & green energy

      • Utilities for property: Electricity Available, Sewer Available

      Community & HOA

      Community
      • Features: Basketball Court, Fitness Center, Playground, Pool, Community Pool, Short Term Rental Allowed
      • Security: Carbon Monoxide Detector(s), Fire Alarm
      • Subdivision: Riverside Phase III
      HOA
      • Has HOA: Yes
      • Amenities included: Picnic Area
      • Services included: Fitness Facility, Legal/Accounting, Playground, Pool(s), Recreation Facilities
      • HOA fee: $132 monthly
      Location
      • Region: Panama City

      Financial & listing details

      • Price per square foot: $158/sqft
      • Tax assessed value: $372,463
      • Annual tax amount: $3,765
      • Date on market: 6/18/2026
      • Cumulative days on market: 59 days
      • Electric utility on property: Yes

        Estimated market value

        $414,000

        $393,000 - $435,000

        $2,759/mo

        Price history

        DateEventPrice
        8/2/2026Pending sale$419,900$158/sqft
        Source: CPAR #791568 Report a problem
        7/30/2026Price change$419,900-1%$158/sqft
        Source: CPAR #791568 Report a problem
        7/16/2026Price change$424,000-0.9%$160/sqft
        Source: CPAR #791568 Report a problem
        6/18/2026Listed for sale$428,000+16.3%$161/sqft
        Source: CPAR #791568 Report a problem
        8/26/2021Sold$368,000-1.6%$139/sqft
        Source: ECAOR #870365 Report a problem
        8/6/2021Pending sale$374,000$141/sqft
        Source: CPAR #709870 Report a problem
        6/29/2021Contingent$374,000$141/sqft
        Source: CPAR #709870 Report a problem
        6/15/2021Price change$374,000-2.6%$141/sqft
        Source: CPAR #709870 Report a problem
        5/20/2021Price change$384,000+2.7%$145/sqft
        Source: CPAR #709870 Report a problem
        4/9/2021Pending sale$374,000$141/sqft
        Source: CPAR #709870 Report a problem
        4/2/2021Listed for sale$374,000+1189.7%$141/sqft
        Source: CPAR #709870 Report a problem
        5/19/2020Sold$29,000-3.3%$11/sqft
        Source: Public Record Report a problem
        1/5/2020Listed for sale$30,000$11/sqft
        Source: Keller Williams Success Realty #692391 Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2024$3,643 +1.9%$331,042 +3%
        2023$3,576 +11.6%$321,400 +3%
        2022$3,203 $312,039
        2021-- --
        2020$521 +11.4%$42,900 +10%
        2019$468 $39,000 +1.6%
        2018$468 +0.2%$38,372 +6.6%
        2017$467 +4.7%$36,001 +5.9%
        2016$446 +8.6%$34,000 +9.1%
        2015$411 $31,175 +8.6%
        2014$411 $28,710
        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: Cedar Grove

        Getting around

        13 / 100
        Car-Dependent
        0 / 100
        No Nearby Transit
        34 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • Elementary: Deer Point
        • Middle: Merritt Brown
        • High: Mosley

        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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