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For sale
    • Price cut: $20K (7/13)
    $629,000

    632 Mariner Cir, Panacea, FL 32346

    3beds
    1,430sqft
    : 
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    Single Family Residence
    Built in 1968
    0.59 Acres Lot
    $601,000 Zestimate®
    $440/sqft
    $-- HOA

    What's special

    Private dockModern updatesFreshly painted interiorFunctional spaceExpansive harbor frontageLarge screened porch
    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.
    32 days
    |
    1,447
    |
    78
    |

    Likely to sell faster than

    Zillow last checked:

    Listing updated:

    Listed by:

    Paul B Parker 850-745-6047,

    Harbor Point Realty

    Source: TBR,MLS#: 401133MLS Logo

      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: 3206S01W106000010100
      • 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: $440/sqft
      • Tax assessed value: $564,400
      • Annual tax amount: $2,085
      • Date on market: 6/11/2026
      • Cumulative days on market: 33 days
      • Listing terms: Conventional,FHA,USDA Loan
      • Road surface type: Unimproved

        Estimated market value

        $601,000

        $571,000 - $631,000

        $2,563/mo

        Price history

        DateEventPrice
        7/13/2026Price change$629,000-3.1%$440/sqft
        Source: TBR #401133 Report a problem
        7/2/2026Price change$649,000-3%$454/sqft
        Source: TBR #401133 Report a problem
        6/27/2026Price change$669,000-1.5%$468/sqft
        Source: TBR #401133 Report a problem
        6/21/2026Price change$679,000-2.9%$475/sqft
        Source: TBR #401133 Report a problem
        6/12/2026Listed for sale$699,000+55.3%$489/sqft
        Source: TBR #401133 Report a problem
        6/15/2007Sold$450,000$315/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax 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

        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.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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        Climate risks

        Neighborhood: 32346

        Getting around

        0 / 100
        Car-Dependent
        25 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • High: Franklin County High School

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

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