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
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: 51
  • 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: 90

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: 51
Nearby Subdivisions
[no Recorded Subdiv]   A W Pledger Panama City Beach   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 Banks   Grand Lagoon Pointe   Grand Lagoon Shores 1   Grand Lagoon Shores11   Grand Lagoon Villa   Gulf Lagoon Beach   Gulf Pines   Gulf Pines U-3   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   Martinique Phase I   Mimosa Place   No Named Subdivision   North Lagoon Heights   North Lagoon Oaks   Palm Bay Unit 4   Panama Dunes   Pelican Bay   Pines 4th Add   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   Treasure Cove   Treasure Cove Unit 2   Treasure Island   Venture Out Travel Trail  
Similar Properties

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 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, FL 32408
$549,800.00 ($250.02 / sqft )

629 Amberjack Drive Reduced More Like This

Welcome to the Bay Point Golf Community! Looking for an investment with equity? An appraisal at $583,0000 was completed on the property in September 2025. Documentation of the 2,199 sf and the 4 bedr

  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
Active
Details for 2432 Valley Oak Court A&b, Panama City Beach, FL 32408
$525,000.00 ($239.07 / sqft )

2432 Valley Oak Court A&b More Like This

Excellent investment or owner occupant opportunity with this well designed 2 unit property, where each unit offers 2 bedrooms and 2 bathrooms. Both units feature separate power and water meters, allow

  1. Request Information
  1. Bedrooms: 4
  2. Baths: 4
  3. Approx. 2196 sqft
  1. MLSID: 782721
  2. Provided by EXP Realty LLC
  3. Provided through
  4. DMCA Notice
27 Pictures and Information
Active
Details for 7519 Sunset Avenue, Panama City, FL 32408
$585,000.00 ($220.59 / sqft )

7519 Sunset Avenue More Like This

Many options here Double lot with a Triplex in place that includes underneath parking spaces. LOCATION is great within walking distance to beach. Short term rentals are allowed. although there ar

  1. Request Information
  1. Bedrooms: 6
  2. Baths: 3
  3. Approx. 2652 sqft
  1. MLSID: 783004
  2. Provided by ERA Neubauer Real Estate Inc
  3. Provided through
  4. DMCA Notice
21 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
118 Oceans Circle
117 Oceans Circle
874 Man O War Drive North
132 Mendoza Circle
6436 Grand Cypress Circle
61 Putter Drive

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