Call Now:

Broker IDX Billing System

Broker,REALTOR ®,e-PRO
Broker IDX Sites Inc.
A Winning Team
  1. Home
  2. Property Search
  3. Search results
  4. 3909 Ray Street, Panama City, FL 32408
Contact Broker IDX Sites Inc.
Contacting Broker IDX Sites Inc.
  • All fields are required.
Schedule A Showing
Schedule a Showing.
  • All fields are required.
Check this box to Register with us:
Submit an Offer Now!
Submit an Offer Now!
All fields are required.
Print Flyer
Active
Property Photos
3909 Ray Street
  1. Image 1 For 3909 Ray Street
  2. Image 2 For 3909 Ray Street
  3. Image 3 For 3909 Ray Street
  4. Image 4 For 3909 Ray Street
  5. Image 5 For 3909 Ray Street
  6. Image 6 For 3909 Ray Street
  7. Image 7 For 3909 Ray Street
  8. Image 8 For 3909 Ray Street
  9. Image 9 For 3909 Ray Street
  10. Image 10 For 3909 Ray Street
  11. Image 11 For 3909 Ray Street
  12. Image 12 For 3909 Ray Street
  13. Image 13 For 3909 Ray Street
  14. Image 14 For 3909 Ray Street
  15. Image 15 For 3909 Ray Street
  16. Image 16 For 3909 Ray Street
  17. Image 17 For 3909 Ray Street
  18. Image 18 For 3909 Ray Street
  19. Image 19 For 3909 Ray Street
  20. Image 20 For 3909 Ray Street
  21. Image 21 For 3909 Ray Street
  22. Image 22 For 3909 Ray Street
  23. Image 23 For 3909 Ray Street
  24. Image 24 For 3909 Ray Street
  25. Image 25 For 3909 Ray Street
  26. Image 26 For 3909 Ray Street
  27. Image 27 For 3909 Ray Street
  28. Image 28 For 3909 Ray Street
  29. Image 29 For 3909 Ray Street
  30. Image 30 For 3909 Ray Street
  31. Image 31 For 3909 Ray Street
  32. Image 32 For 3909 Ray Street
  33. Image 33 For 3909 Ray Street
  34. Image 34 For 3909 Ray Street
  35. Image 35 For 3909 Ray Street
  36. Image 36 For 3909 Ray Street
  37. Image 37 For 3909 Ray Street
  38. Image 38 For 3909 Ray Street
  39. Image 39 For 3909 Ray Street
  40. Image 40 For 3909 Ray Street
  41. Image 41 For 3909 Ray Street
  42. Image 42 For 3909 Ray Street
  43. Image 43 For 3909 Ray Street
  44. Image 44 For 3909 Ray Street
  45. Image 45 For 3909 Ray Street
  46. Image 46 For 3909 Ray Street
  47. Image 47 For 3909 Ray Street
  48. Image 48 For 3909 Ray Street
  49. Image 49 For 3909 Ray Street
  50. Image 50 For 3909 Ray Street
  51. Image 51 For 3909 Ray Street
  52. Image 52 For 3909 Ray Street
  53. Image 53 For 3909 Ray Street
  54. Image 54 For 3909 Ray Street
  55. Image 55 For 3909 Ray Street
  56. Image 56 For 3909 Ray Street
  57. Image 57 For 3909 Ray Street
  58. Image 58 For 3909 Ray Street
  59. Image 59 For 3909 Ray Street
  60. Image 60 For 3909 Ray Street
  61. Image 61 For 3909 Ray Street
  62. Image 62 For 3909 Ray Street
  63. Image 63 For 3909 Ray Street
  64. Image 64 For 3909 Ray Street
Image Gallery

PRICED AT ONLY: $565,000

Address: 3909 Ray Street, Panama City, FL 32408

Description

Imagine your own fully furnished coastal retreattwo homes, one unbeatable opportunityset 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 backcomplete with its own driveway, kitchen, and separate entrance. Whether you're a house hacker, investor, or just someone who loves your friends and familybut not enough to let them stay in your housethis setup absolutely delivers. Ready to turn your investment goals into beachside reality? Schedule your private tour today.

Property Location and Similar Properties

All
Similar
Payment Calculator
  •   Principal & Interest -
  •   Property Tax $
  •   Home Insurance $
  •   HOA Fees $
  •   Mortgage Insurance-
  •   Monthly -
For a Fast & FREE Mortgage Pre-ApprovalApply Now
More Like This
  • MLS#: 782259 ( Residential )
  • Street Address: 3909 Ray Street
  • Viewed: 62
  • Price: $565,000
  • Price sqft: $268
  • Waterfront: Yes
  • Wateraccess: Yes
  • Year Built: 1983
  • Bldg sqft: 2112
  • Bedrooms: 3
  • Total Baths: 4
  • Full Baths: 4
  • Days On Market: 85

Description

Imagine your own fully furnished coastal retreattwo homes, one unbeatable opportunityset 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 backcomplete with its own driveway, kitchen, and separate entrance. Whether you're a house hacker, investor, or just someone who loves your friends and familybut not enough to let them stay in your housethis setup absolutely delivers. Ready to turn your investment goals into beachside reality? Schedule your private tour today.
Request More Information
  • All fields are required.
Features
Building and Construction
  • Covered Spaces: 0.00
  • Exterior Features: CoveredPatio
  • Fencing: Fenced
  • Flooring: LuxuryVinylPlank
  • Living Area: 0.00
  • Other Structures: GuestHouse
  • Roof: Metal
School Information
  • High School: Arnold
  • Middle School: Surfside
  • School Elementary: Patronis
Garage and Parking
  • Garage Spaces: 0.00
  • Open Parking Spaces: 0.00
Utilities
  • Carport Spaces: 0.00
  • Cooling: CentralAir
  • Heating: Central
Finance and Tax Information
  • Home Owners Association Fee: 0.00
  • Insurance Expense: 0.00
  • Net Operating Income: 0.00
  • Other Expense: 0.00
  • Pet Deposit: 0.00
  • Security Deposit: 0.00
  • Tax Year: 2024
  • Trash Expense: 0.00
Other Features
  • Appliances: ElectricCooktop, ElectricOven
  • Interior Features: InteriorSteps
  • Legal Description: HOLIDAY BEACH UNIT #7 LOT 18 BLK 2 ORB 4663 P 614
  • Area Major: 03 - Bay County - Beach
  • Occupant Type: Tenant
  • Parcel Number: 30753-032-000
  • The Range: 0.00
  • View: Lagoon
  • Views: 62
Nearby Subdivisions
[no Recorded Subdiv]   A W Pledger Panama City Beach   Alligator Point   Banyan Beach   Bay Point Unit 1   Bel Air   Biltmore Beach   Biltmore Beach 1st Add   Causeway Manor   Cresent Bch Unit 1   Dragon's Ridge Corrctd   Emerald Pointe Resort   Gates At Sterling Cove   Grand Lagoon   Grand Lagoon Banks   Grand Lagoon Pointe   Grand Lagoon Shores 1   Grand Lagoon Shores 9   Grand Lagoon Shores11   Grand Lagoon Villa   Gulf Lagoon Beach   Gulf Pines   Gulfside Condo.   Hadley's Beach   Hampton Harbor   Hidden Cove   Hidden Pines Phase I   Holiday Beach Unit 1   Holiday Beach Unit 11   Holiday Beach Unit 12   Holiday Beach Unit 13   Holiday Beach Unit 14   Holiday Beach Unit 15   Holiday Beach Unit 16   Holiday Beach Unit 3   Holiday Beach Unit 4   Holiday Beach Unit 6   Holiday Beach Unit 7   Holiday Beach Unit 8   Holiday Beach Unit 9   Indigo At Front Beach   Lagoon Estates   Lagoon Manor   Lagoon Oaks   Magnolia Bay Club   Magnolia Beach   Magnolia Beach 2nd Add   Marlin Place   Martinique Phase I   Mimosa Place   No Named Subdivision   North Lagoon Heights   North Lagoon Oaks   North Lagoon Oaks 7th Add   Palm Bay Unit 4   Panama Dunes   Pelican Bay   Pines 3rd Add Replat   Pines 5th Add   Preserve On The Bay Ph Ii   Queensberry Ltd At Bay Point   Sanctuary Beach   Seaview Village   Silver Sands Beach   Silver Sands Unit 2   Summerplace Townhouses   The Pines   The Preserve On The Bay Phase    Thomas Drive Park U-1   Thomas Drive Park U-2   Thomas Drive Park U-3   Tidewater Creek   Treasure Cove   Treasure Cove Unit 2   Treasure Island   Treasure Palms   Venture Out Travel Trail  
Similar Properties

Active
Details for 6328 Beach Drive, Panama City Beach, FL 32408
$675,000.00 ($283.61 / sqft )

6328 Beach Drive Virtual Tour More Like This

Welcome to 6326/6328 Beach Drive, a rare beachside duplex located just one block from the sugar white sands of Panama City Beach. This incredible income producing opportunity offers two spacious units

  1. Request Information
  1. Bedrooms: 4
  2. Baths: 4
  3. Approx. 2380 sqft
  1. MLSID: 775031
  2. Provided by EXP Realty LLC
  3. Provided through
  4. DMCA Notice
55 Pictures and Information
Active
Details for 2711 Lagoon Manor Drive, Panama City, FL 32408
$649,900.00 ($215.27 / sqft )

2711 Lagoon Manor Drive Virtual Tour More Like This

Stunning Coastal Retreat Steps from Golf & Beach in PCB! Welcome to your ultimate Panama City Beach escape! This exceptional 4 bedroom, 4 bathroom residence, spanning 3019 square feet, offers a perfe

  1. Request Information
  1. Bedrooms: 4
  2. Baths: 4
  3. Approx. 3019 sqft
  1. MLSID: 775491
  2. Provided by Corcoran Reverie
  3. Provided through
  4. DMCA Notice
56 Pictures and Information
Active
Details for 6238 Thomas Drive, Panama City, FL 32408
$564,000.00 ($238.28 / sqft )

6238 Thomas Drive More Like This

Welcome to your perfect beach retreat at 6238 Thomas Drive in Panama City Beach! This spacious 3 story coastal getaway offers 4 bedrooms, 4 bathrooms, and comfortably sleeps up to 14 guests making

  1. Request Information
  1. Bedrooms: 4
  2. Baths: 4
  3. Approx. 2367 sqft
  1. MLSID: 776498
  2. Provided by RE/MAX SELECT Partners
  3. Provided through
  4. DMCA Notice
66 Pictures and Information
Active
Details for 3511 Cottage Cove Lane, Panama City, FL 32408
$619,000.00 ($260.63 / sqft )

3511 Cottage Cove Lane Green Listing More Like This

Beautiful, elegant and spacious 4 bedroom home nestled in the scenic wooded subdivision of Sanctuary Beach. This quality built Craftsman home has numerous custom upgrades and unique features adding to

  1. Request Information
  1. Bedrooms: 4
  2. Baths: 3
  3. Approx. 2375 sqft
  1. MLSID: 767451
  2. Provided by Beachy Beach Real Estate
  3. Provided through
  4. DMCA Notice
48 Pictures and Information
Active
Details for 6315 Hilltop Avenue, Panama City, FL 32408
$648,000.00 ($238.24 / sqft )

6315 Hilltop Avenue More Like This

Convenient location this beautifully renovated duplex is just a short walk to the sugar white sands and nearby boat ramps, offering the perfect mix of beachside living and strong rental potential. E

  1. Request Information
  1. Bedrooms: 6
  2. Baths: 6
  3. Approx. 2720 sqft
  1. MLSID: 776579
  2. Provided by Local Insight Realty
  3. Provided through
  4. DMCA Notice
56 Pictures and Information
Active
Details for 2910 Treasure Circle A & B, Panama City, FL 32408
$579,000.00 ($269.30 / sqft )

2910 Treasure Circle A & B More Like This

REDUCED $36,000. OWNER SAYS SELL! Short Term Rentals allowed. This is a wonderful duplex with each side having a 2 bedroom, 2 bath, kitchen, huge living area, enclosed porch and a nice size laundry r

  1. Request Information
  1. Bedrooms: 4
  2. Baths: 4
  3. Approx. 2150 sqft
  1. MLSID: 778658
  2. Provided by Coastal Property Services, Inc
  3. Provided through
  4. DMCA Notice
76 Pictures and Information
Active
Details for 134 Marlin Circle, Panama City Beach, FL 32408
$639,000.00 ($235.53 / sqft )

134 Marlin Circle More Like This

Located in the highly sought after gated community of Bay Point on the east end of PCB, this beautifully maintained and updated 4 bedroom, 2.5 bathroom home is full of character and charm. Beautifully

  1. Request Information
  1. Bedrooms: 4
  2. Baths: 4
  3. Approx. 2713 sqft
  1. MLSID: 778868
  2. Provided by Seltzer Real Estate, LLC
  3. Provided through
  4. DMCA Notice
64 Pictures and Information
Active
Details for 2412 Grandiflora Boulevard, Panama City, FL 32408
$559,000.00 ($233.89 / sqft )

2412 Grandiflora Boulevard More Like This

Welcome to Magnolia Bay Club, A popular gated waterfront community on St Andrews Bay in Upper Grand Lagoon. This rare 4 bedroom, 2.5 bath home is the largest floor plan in this community and features

  1. Request Information
  1. Bedrooms: 4
  2. Baths: 3
  3. Approx. 2390 sqft
  1. MLSID: 780408
  2. Provided by Rowe Realty Group LLC
  3. Provided through
  4. DMCA Notice
40 Pictures and Information
Active
Details for 147 Palm Grove Boulevard, Panama City Beach, FL 32408
$669,000.00 ($215.88 / sqft )

147 Palm Grove Boulevard More Like This

PRICE REDUCTION with motivated seller, makes this beautifully maintained Palm Bay home an exceptional value. Featuring four bedrooms and four full bathrooms, this spacious residence offers a versatile

  1. Request Information
  1. Bedrooms: 4
  2. Baths: 4
  3. Approx. 3099 sqft
  1. MLSID: 781865
  2. Provided by Coldwell Banker Realty
  3. Provided through
  4. DMCA Notice
52 Pictures and Information
Active
Details for 629 Amberjack Drive, Panama City Beach, FL 32408
$573,000.00 ($260.57 / sqft )

629 Amberjack Drive More Like This

MOTIVATED SELLER! Offering $10,000 to buyer for closing cost and prepaids and $10,000 to buyer for upgrades to the home. Concessions can be combined for whatever the buyer needs. Buy down interest ra

  1. Request Information
  1. Bedrooms: 4
  2. Baths: 3
  3. Approx. 2199 sqft
  1. MLSID: 782499
  2. Provided by RC Real Estate Group
  3. Provided through
  4. DMCA Notice
67 Pictures and Information

Contact Info

Skip to Main Content
  1. Broker IDX Sites Inc.
  2. A Winning Team
Broker IDX Billing System

Looking To Sell Your Property ?

Connecting agents, buyers, and sellers
Call Us Now Get In Touch
Featured Listings
4770 Peninsula Drive
313 Atlantic Avenue 506
910 Lake Avenue
1643 Areca Palm Drive
118 Oceans Circle
6436 Grand Cypress Circle

Copyright ©2006-2026 brokerIDXsites.com   |   All Rights Reserved.