Find Your Emerald Coast Home Live the Gulf Life!

3909 Ray Street

Panama City , FL 32408

MLS#: 782259

$565,000

Status: Active
Listing number: 782259
Listing provided by: Scenic Sotheby's International Realty
Listing agent phone: None
Last update: a day ago
On site: 2 months ago
Browse Properties
Holiday Beach Unit 7 - Residential

Property

Beds

3

Full Baths

4

1/2 Baths

None

Year Built

1983

Sq.Footage

2,112

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 absolutely delivers. Ready to turn your investment goals into beachside reality? Schedule your private tour today.

Features & Amenities

Interior

  • Total Bedrooms

    3

  • Bathrooms

    4

  • Cooling YN

    YES

  • Cooling

    Central Air

  • Heating YN

    YES

  • Heating

    Central

  • Pet friendly

    N/A

Exterior

  • Garage

    No

  • Construction Materials

    Stucco

  • Other Exterior Features

    Balcony

  • Patio and Porch Features

    Patio, Deck, Covered

  • Pool

    No

  • Waterfront YN

    YES

Area & Lot

  • Lot Features

    Waterfront

  • Lot Size(acres)

    0.18

  • Property Type

    Residential

  • Property Sub Type

    MultiFamily

Price

  • Sales Price

    $565,000

  • Tax Amount

    $4,473

  • Sq. Footage

    2, 112

  • Price/SqFt

    $267

HOA

  • Association

    No

School District

  • Elementary School

    Patronis

  • Middle School

    Surfside

  • High School

    Arnold

Schedule a Showing

Showing scheduled successfully.

<
>
IN PERSON
VIA CHAT

What is 3 + 4 ?


Change time

Mortgage calculator

Estimate your monthly mortgage payment, including the principal and interest, property taxes, and HOA. Adjust the values to generate a more accurate rate.

Your payment

Principal and Interest:

$

Property taxes:

$

HOA fees:

$

Total loan payment:

$

Total interest amount:

$

Location

County

Bay

Elementary School

Patronis

Middle School

Surfside

High School

Arnold

Listing Courtesy of Marc A Miller , Scenic Sotheby's International Realty

RealHub Information is provided exclusively for consumers' personal, non-commercial use, and it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. All information deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change or withdrawal. RealHub website owner shall not be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless.

Agent Brian Fauber

AGENT

Brian Fauber

Call Brian today to schedule a private showing.

(850) 771-8991

bfauber@gulflifego.com


* Listings on this website come from the FMLS IDX Compilation and may be held by brokerage firms other than the owner of this website. The listing brokerage is identified in any listing details. Information is deemed reliable but is not guaranteed. If you believe any FMLS listing contains material that infringes your copyrighted work please click here to review our DMCA policy and learn how to submit a takedown request.© 2024 FMLS.
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 absolutely delivers. Ready to turn your investment goals into beachside reality? Schedule your private tour today.

3909 Ray Street

Message successfully sent.

What would you like to know?

What is 3 + 4 ?

Related Properties

New on site today
This elegant, executive home in the very desirable Palm Bay neighborhood in Panama City Beach is priced for quick sale. The open floor plan includes a large Great Room with built-in bookcases and cabinetry, a gas fireplace and a large, wall mounted, flat screen, smart TV. The spacious kitchen has a large breakfast bar with quartz countertops, glass top stove and breakfast nook, which also has an installed flat screen TV. Filling out the main living space is a dining area that could also accommodate a pool table. The large Owners Retreat looks out onto the amazing pool area; the master bath has a Jacuzzi tub, separate shower and double vanity. There are 2 additional bedrooms, one of which includes a half bath. There is a full bathroom with access to the pool area. The large custom paver pool area has an outdoor shower and abundant seating space for hosting friends and family fun. Rounding out this beautiful home is a two-car garage with built in cabinetry and work bench, and a paver driveway. Palm Bay is a family-friendly community close to the Navy base, schools, shopping, restaurants, marinas, and the beach! The two wall mounted indoor televisions, patio television wall mount, a large additional refrigerator in garage, the security system, Polaris pool cleaner and the automatic pool filler all convey with sale. Additional Highlights include: - New Exterior Paint-2026, - Pool Paver area and sidewalks sanded and sealed-2026 - Transferable Florida Pest Control Termite Bond-Paid 2026 - New Roof-2024 - A/C-2017, - TifTuf Bermuda Grass - Scotchshield Security window film - Drip Irrigation around paver pool area - 5 Outdoor Water Spigots (2 in pool area and on 3 sides of the home) - Irrigation system - Outlets in all external areas - Low HOA fees. The Seller is offering $10,000 for any repairs, cosmetic blemishes or closing cost assistance. Pre-approval letter must accompany all offers. Age, Square Footage, Lot and Room Sizes are approximate, please verify if important.
#785807

Panama City

138 Palm Grove Boulevard

3 Beds

2 Baths

2,192 Sq.Ft.

$585,000

MLS#: 785807

New on site 1 day ago
Investor Property Alert! 5 Minute walk to the beach. No HOA!! Sellers offer this beautiful Panama City Beach, a fully furnished duplex just a short stroll from the sugar white sand and emerald waters of the Gulf. This turnkey investment opportunity offers the perfect blend of beach lifestyle and strong rental potential in one of Florida's most sought after vacation markets. NO HOA!! Built in 1999 and thoughtfully updated, this open floor aesthetic features two spacious units, each offering two bedrooms and two bathrooms. The interiors have been renovated in recent years post hurricane with modern kitchens, backsplash, granite countertops, stainless steel appliances, and updated bathrooms that appeal to today's vacation guests and long term renters alike. Tile flooring throughout makes maintenance easy and stands up well to sandy feet and high occupancy. Enjoy the creative and comfortable backyards with fire pits made for entertaining guests and enjoyment, peace, and solitude. The layout provides flexibility for investors. Short-term rent both units for maximum income potential OR live in one side and rent the other, or operate both as short term vacation rentals. The property is being offered furnished and ready to welcome guests, allowing you to start generating income right away. An outdoor shower adds a practical and attractive touch for beachgoers returning from a day in the sun. Location is everything in Panama City Beach, and this property delivers. Just minutes from public beach access, restaurants, shopping, and local attractions, guests can enjoy everything the area has to offer without ever needing to drive far. Walkability to the beach is a major draw that consistently supports strong occupancy and nightly rates. Whether you are looking to expand your investment portfolio or secure a beach property with built in income potential, 8402 Elizabeth Avenue is an opportunity you do not want to miss! Schedule your private showing today and step into a property that works as hard as you do while offering the relaxed lifestyle only the beach can provide.
#785770

Panama City

8402 Elizabeth Avenue

4 Beds

4 Baths

1,788 Sq.Ft.

$575,500

MLS#: 785770

Pictures for reference only. Options and colors may vary. LOT IS OVER HALF AN ACRE!! Our 3044 sq ft plan is one that you have to see to believe! This home is to be built and will awe you upon entry! From the souring ceilings to the extremely large kitchen....this home is an entertainer's dream!! Large bedrooms, Large Living Room and a smart family layout. Large yards will give you the privacy you have been seeking and endless possibilities! Cedar Creek at Deerpoint Lake, is a Bay County lakeside community, that is inspired by the traditional architecture of country towns and villages. Cedar Creek, is a carefully planned neighborhood on the tranquil shores of Deerpoint Lake, featuring large wooded home sites and community recreation areas. You'll see the commitment to keep land the way it always has been and preserve the wetlands for generations to come. Cedar Creek is life at an easier pace, the way you want it - naturally. Country Living with Convenience & Tranquility! This is it, this is home. Explore Cedar Creek at Deerpoint Lake in Panama City today!
#778109

Panama City

4523 Silkwater Lane

4 Beds

3 Baths

3,044 Sq.Ft.

$548,530

MLS#: 778109

New on site 2 days ago
MOTIVATED SELLERS!!!! BRING ALL OFFERS!!!!!!! TWO BEDROOM WITH EXTRA BONUS BUNK ROOM!! This fully furnished condo is conveniently located on the 4th floor of Regency Towers! This family friendly, east end location is highly sought after and would be an excellent investment property! This rental ready unit sleeps 8 and has been a vacation destination for many repeat guests! Unit 404 has a newly updated kitchen, new aqua bead board for a splash of color and is 100% rental ready! Located so close to gorgeous St. Andrews State Park where swimming and fishing are great without the large crowds! Area Attractions: Regency Towers is located just minutes from the best local dining, signature golf courses, amazing deep-sea fishing, famous waterparks, miniature golf, gift shops and the world-class entertainment and events Panama City Beach is famous for. You are within walking distance to the Sea Screamer at the Treasure Island Marina and also Deckhand Social waterfront dining. Nearby, at the corner of Thomas Dr. and North Lagoon Dr. is Captain Anderson's Marina and Restaurant. You will find world class seafood, charter fishing boats, shell and dolphin excursions. Major grocery stores and retailers are also within a 5-10-minute drive.
#785711

Panama City

5801 Thomas Drive 404

2 Beds

2 Baths

1,248 Sq.Ft.

$475,000

MLS#: 785711

New on site 3 days ago
Welcome to the 2402 Plan -- a beautifully designed 4-bedroom, 3-bath home offering space, comfort, and functionality in every detail. Step inside to a welcoming foyer that opens to a spacious living room and formal dining area, perfect for hosting gatherings or everyday living. The heart of the home is the expansive family room with fireplace that flows seamlessly into the kitchen and breakfast nook, creating an open-concept layout ideal for entertaining. The kitchen features abundant counter space and overlooks the oversized family room, making it easy to stay connected. The private primary suite is thoughtfully positioned away from the secondary bedrooms and offers a generous bedroom, dual walk-in closets, and an en-suite bath designed for relaxation. Three additional bedrooms share a full bath, with the third bath down the hall, providing flexibility for family, guests, or a home office. Enjoy outdoor living on the covered front porch or the spacious patio out back -- perfect for grilling and relaxing evenings. An interior laundry room and a large 2-car garage complete this well-designed home. With over 2,400 square feet of smartly planned living space, this home blends style and function for modern living. ________________________________________
#785671

Panama City

4514 Lovegrass Lane

4 Beds

3 Baths

2,402 Sq.Ft.

$517,874

MLS#: 785671

New on site 3 days ago
Welcome to the 2502 Plan -- a beautifully designed 4-bedroom, 3-bath home with a spacious 3-car garage offering the perfect blend of comfort, function, and style. This thoughtfully laid-out floor plan features an expansive 18' x 25' family room that flows seamlessly into the open kitchen and dining area, creating an ideal space for entertaining and everyday living. The kitchen offers generous counter space, a convenient layout, and clear sightlines into the main living area. The private primary suite is tucked away from the additional bedrooms and features dual walk-in closets and a well-appointed en-suite bath designed for comfort and relaxation. Three additional bedrooms provide flexibility for guests, a home office, or multi-generational living, with two full baths conveniently located nearby. A separate living room near the front entry adds versatility -- perfect as a formal sitting area, office, or flex space. Step outside to the spacious covered lanai, ideal for enjoying morning coffee or evening gatherings. With a 3-car garage, dedicated laundry room, welcoming foyer entry, and an efficient split-bedroom layout, the 2502 delivers space where you need it most -- all on one level.
#785673

Panama City

4510 Lovegrass Lane

4 Beds

3 Baths

2,502 Sq.Ft.

$545,420

MLS#: 785673

New on site 4 days ago
Welcome to '163 Ryder Lane' this 5 bedroom/3 bathroom POOL home boasts a beautiful exterior with MAJOR UPGRADES including an unheard of 8.5ft deep salt water pool with sun shelf surrounded by pavers and fully enclosed screened patio with french drains leading out the backyard on both sides! Pool has been professionally maintained weekly since installation and can be heated. Exterior also features a left side easement giving you extra space between your neighbor, a gorgeous pavered front porch, flowerbeds, gutters, hurricane shutters and solid hurricane impact front door. Interior showcases luxury vinyl plank flooring throughout; 3 of the secondary bedrooms and full guest bathroom featuring a tub/ shower combo situated off the foyer leading to a open-concept kitchen/ living area. Spacious living room features a formal dining area and overlooks the kitchen; featuring a island/breakfast bar, stainless steel appliances, walk-in pantry, eat-in dining area, and laundry room access. 4th bedroom and full guest bathroom featuring tub/shower combo sit just off the kitchen with easy pool access. Master bedroom and en-suite feature custom 2-way blinds, double vanity's, soaker tub, separate shower with anti-streak glass doors and walk-in closet. There is also a whole house water softener and filtration system. Located in 'Bridge Harbor' this neighborhood offers a resort style community pool, outdoor kitchen, sidewalks, playground, and walk through access to the bay. Call to schedule your private showing today! All Measurements approx. buyer to verify if important.
#785606

Panama City

163 Ryder Lane

5 Beds

3 Baths

2,552 Sq.Ft.

$525,000

MLS#: 785606

Enjoy elevated coastal living from this 20th-floor Gulf-front residence at Gulf Crest Condominiums, offering breathtaking panoramic views of emerald waters and sugar-white sands. From the oversized beachfront balcony, dolphins and stingrays are frequently spotted gliding through the surf--an unforgettable daily bonus that truly sets this unit apart. This bright, coastal-style 2-bedroom, 2-bath condo with bonus bunks features a well-designed split floor plan that offers both comfort and privacy, ideal for owners and guests alike. The open living, dining, and kitchen areas are filled with natural light and designed to fully capture the stunning Gulf views, with floor-to-ceiling glass doors leading directly to the expansive balcony--perfect for morning coffee, sunset cocktails, or relaxing to the sound of the waves. The primary suite serves as a peaceful retreat with direct Gulf views and a beautifully updated en-suite bathroom featuring a tiled walk-in shower and double vanity. Recent upgrades include all new furniture (less than two years old), a new refrigerator, stove, master shower, and air conditioner, offering peace of mind and turnkey convenience for the next owner. Hurricane shutters on the oceanfront windows provide added protection and value. The guest bedroom and bunk area provide flexible accommodations, making this layout especially attractive for families and vacation renters. As an added bonus, this unit is approximately 80% booked--nearly fully booked through June--demonstrating strong rental demand and excellent income potential. Gulf Crest Condominiums is a gated, resort-style community featuring two beachfront pools, hot tubs, a tiki bar, fitness center, and direct beach access. Centrally located in the heart of Panama City Beach, the property is less than one mile from Walmart and Walgreens and just minutes from shopping, dining, and entertainment. Whether you're searching for a primary residence, a second home, or a proven income-producing vacation rental, this exceptional unit delivers on views, updates, location, and performance--all while offering the opportunity to personalize over time.
#785546

Panama City

8715 Surf Drive 2002B

2 Beds

2 Baths

1,310 Sq.Ft.

$650,000

MLS#: 785546

Welcome to modern luxury in the highly sought-after High Point area of Panama City! This beautifully designed 4-bedroom, 2-bath home offers 2,026 square feet of thoughtfully curated living space with upscale finishes and eye-catching architectural details throughout. From the moment you arrive, the striking exterior makes a statement with its bold black accents, light brick, modern garage door, and paver driveway perfectly framed by mature trees for added charm and character. Inside, you'll find a bright, open-concept layout featuring wide-plank wood-look flooring, tray ceilings, designer lighting, and a seamless flow ideal for entertaining. The chef's kitchen is a true showpiece with waterfall-edge quartz countertops, custom cabinetry, stainless steel appliances, a sleek vent hood, and a large island that anchors the space beautifully. The spacious living and dining areas are filled with natural light and modern fixtures that add warmth and sophistication. The primary suite is a luxurious retreat, complete with a stunning wood-accent tray ceiling and spa-inspired bathroom. Enjoy a freestanding soaking tub, oversized glass walk-in shower with designer tile detail, double vanity with quartz countertops, custom cabinetry, and upscale gold fixtures that elevate the entire space. Three additional bedrooms offer flexibility for family, guests, or a home office. This home blends contemporary elegance with everyday comfort in one of Panama City's most popular neighborhoods just minutes from shopping, dining, schools, and everything the area has to offer. If you've been looking for modern style, custom finishes, and move-in-ready perfection this is it. Verify all dimensions and information if important.
#785560

Panama City

8130 Blanche Avenue

4 Beds

2 Baths

2,026 Sq.Ft.

$525,000

MLS#: 785560

Welcome to Treasure Island Resort, a prominently located gulf-front high-rise condominium in Panama City Beach. This highly desirable, renovated 18th floor unit is comprised of 2 bedrooms plus bunks, 2 bathrooms with 1,370 sq.ft. of an idealistic open floor plan taking full advantage of unobstructed views over the Gulf of Mexico from multiple rooms. A full-blown renovation occurred in 2022 that reflects meticulous attention to detail with notable updates and features throughout in excess of $100,000. This includes updated coastal furniture inside and out, neutral floor-to-ceiling blackout curtains, plantation shutters, neutral paint throughout, wood-look tiles, new light/fan fixtures, new plumbing fixtures, updated kitchen, updated bathrooms, new closet systems and newer components. As you walk into the foyer, you are graced with a beautiful custom marble inlay to set the tone for the rest of the unit. The open-concept kitchen boasts contemporary white cabinetry, granite countertops, stainless-steel appliances with a new stove/oven unit and dishwasher, custom pendant light fixtures, recessed lights and pantry. Within the same space is your dining area with ample sitting, custom light fixture and built-in twin-over-twin bunks with a ladder. Adjoining the space is your large living room offering endless gulf views with the ONLY custom built 52-inch fireplace in the entire complex. Open up the glass sliding doors not only in the living room, but also the primary suite to enjoy the beach air on your almost 30-foot-long balcony that gives you plenty of space of casual sitting and dining options. Just off the main living area is the spacious primary king suite. The updated primary bathroom offers a double vanity with a leather granite finish, LED lighted fog free mirrors, private water closet, a glass enclosed chevron marble inlay shower, custom plumbing fixtures and a custom wood shelving system in the closet. The secondary queen suite also offers an updated bathroom with a single vanity with a leather granite finish, LED lighted fog free mirror, a glass enclosed herringbone patterned tiled shower and a custom wood shelving system in the closet. This fully furnished condo makes an ideal primary residence, a second home or an investment property with its unique location on the East end of Panama City Beach offering breathtaking sunsets and expansive views down the coastline, providing an unforgettable backdrop. Resort living offers plenty of amenities for everyone to luxuriate in such as a swimming pool, fitness center, on-site restaurant, beach service and a short distance to St. Andrews State Park, favorite local bars, shopping and restaurants. Come see why life is good at Treasure Island Resort today!
#785592

Panama City

5004 Thomas Drive 1811

2 Beds

2 Baths

1,370 Sq.Ft.

$654,900

MLS#: 785592

- property

Send a message

Message successfully sent.

Your message

What is 3 + 4 ?

Reason for contacting?

Sign Out

Virtual Assistant

Would you like to take the next step with this property? We can help you schedule a showing or virtual tour, or send you more details.

Yes, I would like more information.

Thank You for Your Reply, One of Our Agents will contact you as soon as possible

No, maybe later.

Thank you, you can always contact me via email, phone number or through the contact form.

Realhub AI

Lucy - Your AI-Powered Realtor

Update Your Temporary Password

Personalize your search

Enter your email and we'll notify you immediately when new listings match what you're looking for.

or enter email address

Already have an account ? Login here

Continue your home search

Already have an account ? Login here

We use cookies

We use cookies primarily for analytics to enhance your experience. By accepting, you agree to our use of these cookies. You can manage your preferences or learn more about our cookies policy.

Privacy Policy Terms of Service