DIRECT GRAND LAGOON WATERFRONT + GULF ACCESS. TO BE BUILT: $1,499,000 land + proposed home package. Elevated waterfront residence offers approximately 2,880 SF heated/cooled, 3 bedrooms plus office/flex 4th bedroom, 3 baths and approximately 528 SF of covered outdoor living. Pricing, specifications, finishes, plans and construction costs subject to final builder contract, engineering, permitting and buyer selections. Build the waterfront lifestyle instead of trying to find it already built. Architectural plans and renderings are included. This cleared 0.13-acre homesite offers approximately 48 feet of Grand Lagoon frontage, an existing seawall, approximately 180' dock, public sewer availability and NO HOA. STR allowed and golf cart to the beach or to many popular local restaurants, the marina, and attractions within minutes. The open living, dining and kitchen areas are positioned around the water, with generous covered porches designed to extend the living space toward Grand Lagoon. An elevated coastal design also creates valuable covered space below while maximizing views from the primary living level. Significant waterfront infrastructure is already in place. The property is cleared and includes an existing seawall and approximately 180' dock, giving a future owner direct access to the lagoon while planning and building. From here, enjoy protected boating waters with access to St. Andrews Bay, Shell Island and the Gulf, along with waterfront restaurants, marinas and the best of the Panama City Beach boating lifestyle just minutes away. Whether envisioned as a full-time waterfront residence, second home or potential vacation-rental property subject to applicable regulations, this site offers the increasingly rare opportunity to build new around the lifestyle you actually want instead of renovating somebody else's version of it. Architectural plans and renderings are provided for informational and visualization purposes. Buyer to independently verify current plan suitability, zoning, setbacks, permitting, flood/elevation requirements, utilities, construction costs, dock and seawall condition/permitting and all intended uses. Seller is a licensed Florida real estate agent.
Single-familyProperty Type
2027Year Built
5,663 sq ftLot Size
$520Price/Sq.Ft.
Listed by Beach Property Specialist MacDonald• Anchor Realty Florida
Direct Grand Lagoon Waterfront + Gulf Access to build your dream home in Florida! This cleared 0.13-acre homesite offers approximately 48' of waterfront, an existing seawall and 180' dock so the hard infrastructure is already finished. You'll be able to park your boat while you build and enjoy waterfront restaurants within minutes! Close to St. Andrews State Park and Shell Island, and a short haul right out to the gulf for fishing or diving. This site is perfect as an elevated waterfront residence as a full time primary, second home or income producing coastal retreat. Perfect water for a Pontoon Boat, this home offers direct boating access to St. Andrew's Bay, and the Gulf right out your back door. Build new around the lifestyle you want instead of paying to renovate somebody else's mess. Buyer to verify zoning, setbacks, flood / elevation requirements and suitability of conceptual plans.
CPARMLS #761371
Mar 4, 2025
Listing Removed
—
Oct 28, 2024
Price Changed
$650,000
$226/sq ft
Aug 15, 2024
Listed
$725,000
$252/sq ft
CPARMLS #602809
Dec 14, 2021
Listing Removed
—
Oct 1, 2012
Listed
$249,000
$86/sq ft
CPARMLS #349698
Dec 14, 2021
Listing Removed
—
Apr 11, 2006
Listed
$599,000
$208/sq ft
CPARMLS #329983
Dec 9, 2021
Listing Removed
—
Mar 15, 2005
Listed
$675,000
$234/sq ft
CPARMLS #645921
Feb 23, 2017
Listing Removed
—
May 5, 2016
Listed
$275,000
$95/sq ft
Year
Property tax
Land + Additions
Assessment*
2025
$3,534 (+36.8%)
2024
$2,582 (+11.3%)
2023
$2,321 (+14.7%)
2022
$2,022 (+7.2%)
2021
$1,887 (+19.4%)
2020
$1,581 (+6.9%)
2019
$1,479 (+9.3%)
2018
$1,353 (+11.0%)
2017
$1,219 (−2.7%)
$89,327 + $7,380
$96,707
2014
$1,253
Public record
Beds
—
Baths
—
Stories
—
Lot width
48 ft.
Lot depth
110 ft.
Lot size
5,271 Sq. Ft.
Year renovated
—
Finished Sq. Ft.
—
Unfinished Sq. Ft.
—
Total Sq. Ft.
—
Year built
—
Style
Other
County
Bay County
APN
31430020000
Parking Spaces
—
Basement
—
Accessible
—
HOA Dues
—
Garage
—
Features
—
Last updated by owner on Sep 14, 2026.
Climate risks
8/10 Flood Factor
Estimated 80%+ chance of a flood reaching the building in the next 30 years
1/10 Fire Factor
Unlikely to be in a wildfire in next 30 years
10/10 Heat Factor
7 days above 106° expected this year, 20 days in 30 years
10/10 Wind Factor
99% chance of strong winds in next 30 years
1/10 Air Factor
0 unhealthy days expected this year, 0 days in 30 years
Provided by First Street
Historical weather
Panama City Beach, FL • 32408
Average low and high temperatures (°F)
60
45
67
54
73
59
78
65
82
72
88
77
90
80
88
77
88
73
81
66
74
60
66
51
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Sun exposure
Try the sun simulator tool to see how light moves across the property at different times of day and year.
Provided by Shadowmap
Redfin Estimate for 3532 Treasure Cir
$1,456,238
$43K under list price of $1.50M
Nearby comparable homes
The Redfin Estimate uses 6 recent nearby sales, priced between $375K to $999K.