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3909 Ray Street, Panama City Beach, FL 32408

Panama City Beach
Local realty services provided by:CENTURY 21 First Story Real Estate
3909 Ray Street,Panama City Beach, FL 32408
$535,000
  • 3 Beds
  • 4 Baths
  • - sq. ft.
  • Multi-family
  • Sold
Listed by: marc a miller
Office: scenic sotheby's international realty
MLS#:782259
Source:FL_BCMLS

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Price summary

  • Price:$535,000

About this home

CENTURY 21 Fine Homes & Estates
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...

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Home facts

  • Year built:1983
  • Listing ID #:782259
  • Added:91 day(s) ago
  • Updated:June 03, 2026 at 06:44 AM

Rooms and interior

  • Bedrooms:3
  • Total bathrooms:4
  • Full bathrooms:4
  • Rooms Total:10
  • Kitchen Description:Electric Cook Top, Electric Oven

Heating and cooling

  • Cooling:CentralAir
  • Heating:Central
  • Central air:Yes

Structure and exterior

  • Roof:Metal
  • Year built:1983
  • Construction Materials:Stucco
  • Exterior Features:Balcony, Deck, Patio

Schools

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

Finances and disclosures

  • Price:$535,000
  • Tax amount:$4,473 (2024)

Features and amenities

  • Amenities:ElectricCooktop, ElectricOven
The information being provided by Central Panhandle Association Of REALTORS® is for the consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumer may be interested in purchasing. Any information relating to real estate for sale referenced on this web site comes from the Internet Data Exchange (IDX) program of the Central Panhandle Association Of REALTORS®. CENTURY 21 First Story Real Estate is not a Multiple Listing Service (MLS), nor does it offer MLS access. This website is a service of CENTURY 21 First Story Real Estate, a broker participant of Central Panhandle Association Of REALTORS®. This web site may reference real estate listing(s) held by a brokerage firm other than the broker and/or agent who owns this web site. The accuracy of all information, regardless of source, including but not limited to open house information, square footages and lot sizes, is deemed reliable but not guaranteed and should be personally verified through personal inspection by and/or with the appropriate professionals. The data contained herein is copyrighted by Central Panhandle Association Of REALTORS® and is protected by all applicable copyright laws. Any unauthorized dissemination of this information is in violation of copyright laws and is strictly prohibited. Properties in listings may have been sold or may no longer be available. Copyright 2026 Central Panhandle Association Of REALTORS®. All rights reserved. FL_BCMLS Member Broker: Debbie Kirkand

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