3534 Treasure CIR Panama City, FL 32408
UPDATED:
Key Details
Property Type Single Family Home
Sub Type Single Family Residence
Listing Status Pending
Purchase Type For Sale
Square Footage 2,714 sqft
Price per Sqft $368
Subdivision Hampton Harbor
MLS Listing ID 792578
Bedrooms 4
Full Baths 4
Half Baths 1
HOA Y/N No
Year Built 2003
Tax Year 2025
Lot Size 6,098 Sqft
Acres 0.14
Property Sub-Type Single Family Residence
Property Description
Waterfront homes with deep-water Gulf access are uncommon. A waterfront home built with Insulated Concrete Form (ICF) construction is a rare opportunity. Set on 52 feet of direct waterfront along Lower Grand Lagoon, this thoughtfully updated 4-bedroom, 4.5-bath residence offers 2,714 square feet designed for boating, entertaining, and everyday coastal living. Built with exceptional strength, energy efficiency, and storm resilience, this home combines quality construction with one of Panama City Beach's most desirable waterfront settings.
Unlike many waterfront homes, this property offers a floor plan designed with privacy in mind. Each of the four spacious bedrooms features its own ensuite bathroom and private balcony, creating comfortable accommodations for owners and guests alike. The updated kitchen showcases quartz countertops, new and refinished cabinetry, a bold navy island, stainless steel appliances, and generous storage. The primary suite overlooks the lagoon and includes a sitting area, a walk-in closet, a private balcony, and a beautifully renovated bathroom completed in 2025. One secondary ensuite bathroom was also renovated in 2025, complementing the home's timeless finishes, including tile flooring throughout the main living areas and bamboo hardwood in select upstairs spaces.
Recent improvements provide confidence for the next owner, including a 2019 roof, two HVAC systems installed in 2019, a 2025 renovation of the kitchen, primary bathroom, and one secondary ensuite bathroom, a saltwater pool deck resurfaced with a premium RevaFlex Limestone finish completed in 2026. These thoughtful investments allow the next owner to spend more time enjoying the home and less time planning future projects.
Life here revolves around the water. Begin the day with coffee on the covered veranda as the sun rises over Lower Grand Lagoon, launch a paddleboard or kayak from your backyard, spend the afternoon boating to Shell Island or one of the area's favorite waterfront restaurants, then return home for a swim in the pool before heading back out for an evening cruise. Dolphins are frequent visitors, anglers regularly catch speckled trout, redfish, mangrove snapper, flounder, and mullet in the surrounding waters, and seasonal Grand Lagoon fireworks can often be enjoyed from the property.
The property does not have a dock yet, offering a future owner the opportunity to design and install one tailored to their boating needs, subject to applicable permitting and approvals. Deep-water Gulf access makes this an exceptional setting for those who enjoy spending time on the water.
Additional features include a two-car garage, no HOA, sprinkler system, and a location just minutes from St. Andrews State Park, Shell Island, marinas, shopping, dining, Naval Support Activity Panama City, Tyndall Air Force Base, and Northwest Florida Beaches International Airport (ECP). Short-term rentals are currently permitted in this area; however, this home has been enjoyed as a primary residence and has not been operated as a vacation rental. Buyers should verify current regulations and intended use.
Some homes offer waterfront views. This home offers a waterfront lifestyle built around quality construction, thoughtful updates, and easy access to everything that makes Lower Grand Lagoon special. Whether you're boating to Shell Island, casting a line from your backyard, enjoying the morning sunrise over the lagoon, or relaxing beside the saltwater pool, this home is designed to be lived in and enjoyed for years to come.
Strong construction. Deep-water Gulf access. Thoughtful updates. Exceptional waterfront living. Opportunities to own an ICF-built home on Lower Grand Lagoon are rare.
Location
State FL
County Bay
Community Short Term Rental Allowed
Area 03 - Bay County - Beach
Interior
Interior Features Balcony, Double Vanity, Sitting Area in Primary, Soaking Tub, Separate Shower, Upper Level Primary, Walk-In Closet(s)
Heating Central, Electric, Heat Pump
Cooling Central Air, Ceiling Fan(s), Heat Pump
Fireplace No
Appliance Electric Cooktop, Electric Oven, Electric Water Heater, Wine Cooler
Exterior
Exterior Feature Covered Patio, Outdoor Shower
Garage Spaces 2.0
Garage Description 2.0
Fence Full, Fenced, Privacy
Pool Fenced, In Ground, Salt Water, Private
Community Features Short Term Rental Allowed
Utilities Available Cable Connected, Electricity Available, High Speed Internet Available, Phone Connected
Waterfront Description Lagoon,Seawall,Shoreline - Natural
View Y/N Yes
Water Access Desc Lagoon,Seawall,Shoreline - Natural
View Lagoon, Water
Roof Type Shingle
Porch Balcony, Deck, Covered, Patio, Porch
Private Pool Yes
Building
Lot Description Sprinkler System, Paved
Story 2
Entry Level Two
Sewer Public Sewer
Level or Stories Two
New Construction No
Schools
Elementary Schools Patronis
Middle Schools Surfside
High Schools Arnold
Others
Restrictions Short Term Rentals Allowed
Tax ID 31430-030-000
Security Features Smoke Detector(s)
Special Listing Condition Listed As-Is
NEARBY SCHOOL & BUSINESS
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