Discover the ultimate Florida lifestyle in this waterfront retreat on Alligator Point. Perfectly positioned for the avid angler or those seeking a serene coastal escape, this property offers a rare combination of modern updates, functional space, and expansive harbor frontage. Prime Waterfront: Situated on 2 buildable lots with 160 feet of direct frontage on Alligator Harbor. A 3rd adjacent lot with a storage building is also available at additional cost. 3-bedroom, 2-bathroom with water views from almost every room. Relax on the large screened porch or soak up the sun on the brand-new open deck, perfect for morning coffee or sunset dinners. Features a private dock and easy access to a nearby boat ramp. The harbor provides a direct gateway to the Gulf of Mexico, offering world-class inshore and offshore fishing right at your doorstep. The sale includes the detached garage and workshop located on the 2nd buildable lot, providing incredible versatility for expansion or a specialized hobby space. Freshly painted interior 2026 New tankless water heater (2026) Recently Pumped and Inspected Septic System 2026 Roof Replacement in 2019 New Open Deck and Stairs in 2026 Termite inspection and treatment with bond in April 2026 Insurance inspections completed April 2026 Includes portable generator with professionally installed connection to house Whether you are looking for a permanent residence or a vacation getaway, this Alligator Point home is move-in ready and built for the coastal enthusiast. Schedule your private tour today to experience harbor-front living at its finest! Seller is a Florida licensed real estate broker.
For sale
Price cut: $10K (8/27)
$589,000
632 Mariner Cir, Panacea, FL 32346
3beds
1,430sqft
Single Family Residence
Built in 1968
0.59 Acres Lot
$560,900 Zestimate®
$412/sqft
$-- HOA
What's special
Private dockModern updatesFreshly painted interiorFunctional spaceExpansive harbor frontageLarge screened porch
- 77 days
- 1,397
- 113
Zillow last checked:
Listing updated:
Listed by:
Paul B Parker 850-745-6047,
Harbor Point Realty
Source: TBR,MLS#: 401133
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Rooms
- Room types: Other, Pantry, Screened Porch, Utility Room
Primary bedroom
- Dimensions: 15*15
Bedroom 2
- Dimensions: 12*9
Bedroom 3
- Dimensions: 8*13
Dining room
- Dimensions: 0
Family room
- Dimensions: 0
Kitchen
- Dimensions: 8*24
Living room
- Dimensions: 14*16
Other
- Dimensions: 11*40
Heating
- Ductless
Cooling
- Ductless
Appliances
- Included: Dryer, Dishwasher, Disposal, Microwave, Oven, Range, Refrigerator, Washer
Features
- Tray Ceiling(s), Vaulted Ceiling(s), Pantry, Split Bedrooms, Walk-In Closet(s)
- Flooring: Carpet, Hardwood, Tile
- Has fireplace: No
Interior area
- Total structure area: 1,430
- Total interior livable area: 1,430 sqft
Video & virtual tour
Property
Parking
- Total spaces: 1
- Parking features: Garage, One Car Garage
- Garage spaces: 1
Features
- Stories: 1
- Patio & porch: Deck, Porch, Screened
- Fencing: Partial
- Has view: Yes
- View description: Bay
- Has water view: Yes
- Water view: Bay
- Waterfront features: Bay Access
Lot
- Size: 0.59 Acres
- Dimensions: 160 x 160 x 160 x 160
Details
- Parcel number: 120373206S01W106000010100
- Special conditions: Standard
- Other equipment: Generator
Construction
Type & style
- Home type: SingleFamily
- Architectural style: One Story,Traditional
- Property subtype: Single Family Residence
Materials
- Vinyl Siding
- Foundation: Crawlspace
Condition
- Year built: 1968
Utilities & green energy
- Sewer: Septic Tank
Community & HOA
Community
- Subdivision: Sun N Sands
HOA
- Services included: None
Location
- Region: Panacea
Financial & listing details
- Price per square foot: $412/sqft
- Tax assessed value: $564,400
- Annual tax amount: $2,085
- Date on market: 6/11/2026
- Cumulative days on market: 79 days
- Listing terms: Conventional,FHA,USDA Loan
- Road surface type: Unimproved
Estimated market value
$560,900
$533,000 - $589,000
$2,710/mo
Price history
| Date | Event | Price |
|---|---|---|
| 8/27/2026 | Price change | $589,000-1.7%$412/sqft |
Source:  TBR #401133 Report a problem | ||
| 8/6/2026 | Price change | $599,000-2.6%$419/sqft |
Source: TBR #401133 Report a problem | ||
| 7/24/2026 | Price change | $615,000-2.2%$430/sqft |
Source: TBR #401133 Report a problem | ||
| 7/13/2026 | Price change | $629,000-3.1%$440/sqft |
Source: TBR #401133 Report a problem | ||
| 7/2/2026 | Price change | $649,000-3%$454/sqft |
Source: TBR #401133 Report a problem | ||
| 6/27/2026 | Price change | $669,000-1.5%$468/sqft |
Source: TBR #401133 Report a problem | ||
| 6/21/2026 | Price change | $679,000-2.9%$475/sqft |
Source: TBR #401133 Report a problem | ||
| 6/12/2026 | Listed for sale | $699,000+55.3%$489/sqft |
Source: TBR #401133 Report a problem | ||
| 6/15/2007 | Sold | $450,000$315/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $2,042 -0.4% | $246,821 +3% |
| 2023 | $2,049 +0.7% | $239,632 +3% |
| 2022 | $2,035 -2.1% | $232,652 +3% |
| 2021 | $2,078 -4.3% | $225,876 +1.4% |
| 2020 | $2,171 | $222,757 +2.3% |
| 2019 | $2,171 +0.8% | $217,749 +1.9% |
| 2018 | $2,154 -3.8% | $213,689 |
| 2017 | $2,238 | $213,689 -0.8% |
| 2016 | $2,238 -0.1% | $215,491 |
| 2015 | $2,240 -3.8% | $215,491 -2.1% |
| 2014 | $2,328 | $220,109 +1.5% |
| 2013 | -- | $216,856 +1.7% |
| 2012 | -- | $213,231 +3% |
| 2011 | -- | $207,020 +2.8% |
| 2010 | -- | $201,401 +2.7% |
| 2009 | -- | $196,106 +0.1% |
| 2008 | -- | $195,910 +3% |
| 2007 | -- | $190,204 +2.5% |
| 2006 | -- | $185,565 +3% |
| 2005 | -- | $180,160 +3% |
| 2004 | -- | $174,913 -0.1% |
| 2003 | -- | $175,009 +0.9% |
| 2002 | -- | $173,494 |
| 2001 | -- | $173,494 -3% |
| 2000 | -- | $178,791 |
Find assessor info on the county website
Monthly payment
Est. payment
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Neighborhood: 32346
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