3909 Ray Street, Panama City, FL 32408

Local realty services provided by:ERA Neubauer Real Estate, Inc.
3909 Ray Street,Panama City, FL 32408
$565,000
  • 3 Beds
  • 4 Baths
  • 2,112 sq. ft.
  • Multi-family
  • Active
Listed by: marc a miller
Office: remax by the sea
MLS#:782259
Source:FL_BCMLS

Price summary

  • Price:$565,000
  • Price per sq. ft.:$267.52

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:February 21, 2026 at 12:44 AM

Rooms and interior

  • Bedrooms:3
  • Total bathrooms:4
  • Full bathrooms:4
  • 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

Schools

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

Finances and disclosures

  • Price:$565,000
  • Price per sq. ft.:$267.52
  • Tax amount:$4,473 (2024)
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