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3909 Ray Street, Panama City Beach, FL 32408

Panama City Beach
Local realty services provided by:CENTURY 21 Ryan Realty
3909 Ray Street,Panama City Beach, FL 32408
$550,000
  • 3 Beds
  • 4 Baths
  • 2,112 sq. ft.
  • Multi-family
  • Active
Listed by: marc a miller
Office: scenic sotheby's international realty
MLS#:782259
Source:FL_BCMLS

Price summary

  • Price:$550,000
  • Price per sq. ft.:$260.42

About this home

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

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Home facts

  • Year built:1983
  • Listing ID #:782259
  • Added:1 day(s) ago
  • Updated:March 04, 2026 at 03:42 AM

Rooms and interior

  • Bedrooms:3
  • Total bathrooms:4
  • Full bathrooms:4
  • Rooms Total:10
  • Kitchen Description:Electric Cook Top, Electric Oven
  • Living area:2,112 sq. ft.

Heating and cooling

  • Cooling:CentralAir
  • Heating:Central

Structure and exterior

  • Roof:Metal
  • Year built:1983
  • Building area:2,112 sq. ft.
  • Lot area:0.18 Acres
  • Construction Materials:Stucco
  • Exterior Features:Balcony, Deck, Patio

Schools

  • High school:Arnold
  • Middle school:Surfside
  • Elementary school:Patronis

Finances and disclosures

  • Price:$550,000
  • Price per sq. ft.:$260.42
  • Tax amount:$4,473 (2024)

Features and amenities

  • Amenities:ElectricCooktop, ElectricOven
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