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3820 Treasure Circle
Panama City Beach, FL 32408

$599,000 - Status: Active

Beds: 5

Baths: 4 full

SQFT (H&C): 2,365

MLS# 784905

**REDUCED** SHORT SALE OPPORTUNITY-- Prime Panama City Beach Location! Unlock the potential of this spacious, multi-level beach home zoned for short-term rentals. The ground level offers a private-entry studio apartment with full kitchen and bath, perfect for guests or rental income. The main residence comfortably sleeps 10 and features two primary suites with ensuite baths, open-concept living area, and kitchen with quartz countertops and a large island/breakfast bar. The top floor adds two bunkrooms and an additional full bath, ideal for kids or overflow guests. Wide wraparound balconies on both main levels overlook Treasure Island Marina and Captain Anderson's, plus a sun deck where you can watch the fishing fleet return at day's end. Most of the improvements made to the home, including roof, HVAC, kitchen(s), and baths have been done since 2021. Some cosmetic touch-ups could bring this property to its full potential. It is a unique OPPORTUNITY to score a great deal on a primary residence, vacation retreat, or income-producing investment on the beach. THIS IS A SHORT SALE. ALL OFFERS ARE SUBJECT TO THIRD-PARTY APPROVAL.

Property Features

MLS#: 784905

Zip: 32408

Subdivision: Treasure Island

Development: 0323 - Beach - South Of Grand Lagoon

Property Type: Residential - Single Family

Cooling: Central Air

Days on Site: 59

Fenced: Yes

Heating: Central

Home Style: Coastal

Lot Size: 0.15 acres

Roof Type: Metal

Taxes: $4,820

Year Built: 1983

SQFT (H&C): 2,365

Feature Descriptions

Appliances: Electric Oven, Electric Range, Electric Water Heater

Community Features: Short Term Rental Allowed

Exterior: Wood Siding, Wood Frame

Exterior Features: Covered Patio, Deck, Outdoor Shower

Fencing: Fenced, Privacy

Lot Description: Paved

Lot Dimensions: 75 x 85

Parcel#: 31582-000-000

Patio/Porch: Balcony, Deck

Sewer: Public Sewer

Special View Info: Lagoon

Room Sizes

Primary Bedroom: 18 X 12 Level - Second

Primary Bathroom: 15 X 18 Level - Second

Great Room: 30 X 27 Level - Second

Studio: 30 X 20 Level - First

Local Schools

High School: Arnold

Middle School: Surfside

Elementary School: Patronis

3820 Treasure Circle | MLS# 784905

This single family home located at 3820 Treasure Circle, Panama City Beach, FL 32408 is currently listed for sale with an asking price of $599,000. This property was built in 1983 and has 5 bedrooms and 4 full baths with 2365 sq. ft. Treasure Circle is located in the Treasure Island subdivision. Search Treasure Island real estate on nbeninate.beachybeach.com today.

Listed By / Shown By

Listed By

Agency Name: Anchor Realty Florida

Shown By

Agent Name: Nick Beninate
Agent Phone: (850) 819-7484
Agency Title: Beachy Beach Real Estate

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Disclaimer: All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information on this site was last updated 04/09/2026. The listing information on this page last changed on 04/09/2026. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of Delta Media Group MLS (last updated Thu 04/09/2026 8:31:40 AM EST) or Emerald Coast MLS (last updated Thu 04/09/2026 8:25:25 AM EST) or Central Panhandle Association of Realtors (last updated Thu 04/09/2026 1:17:22 AM EST). Real estate listings held by brokerage firms other than Beachy Beach Real Estate may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. All rights reserved.
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3820 Treasure CirclePanama City Beach, FL 32408