3909 Ray Street, Panama City, FL 32408

Local realty services provided by:Better Homes and Gardens Real Estate Historic
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: scenic sotheby's international realty
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:2 day(s) ago
  • Updated:February 23, 2026 at 11:45 PM

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)
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®. Better Homes and Gardens Real Estate Historic is not a Multiple Listing Service (MLS), nor does it offer MLS access. This website is a service of Better Homes and Gardens Real Estate Historic, 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.

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