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44
Photos
3909 Ray Street, Panama City Beach, FL 32408
$639,000 Asking Price
$---/mo Est. Payment Get Prequalified »
2
beds
3
baths
1,368
sqft
Built in
1983
Discover this must-see 2-bedroom, 3-bathroom home with a detached heated and cooled 608SQ FT ADU on the east end of Panama City Beach! Perfectly situated for a primary residence, vacation home, or short-term rental, this property is just a short walk from the beach, as well as local restaurants and shops.The recently renovated kitchen features stylish shaker cabinets, quartz countertops, and stainless-steel appliances. Upstairs, you'll find two bedrooms and two full bathrooms, along with an additional flexible space that can serve as a second living area, office, or game room.Relax on the spacious wraparound balcony and patio, or unwind in the hot tub after a long day. The backyard ADU provides extra living or sleeping space--ideal for guests, a mother-in-law suite, or rental income. With the ADU renovation complete, this home comes fully furnished, making it a fantastic opportunity for anyone looking to start or expand their short-term rental portfolio!
Features & Amenities
Interior
- Appliances:
- Washer/Dryer Stacked,Dishwasher,Electric Cooktop,Microwave,Refrigerator
- Laundry:
- Stacked
- A/C:
- true, Central Air,Ceiling Fan(s),Electric
- Heating:
- true, Central,Electric
Exterior
- General:
- Balcony,Deck,Patio, Guest House
- Style:
- Coastal
- Other Structures:
- Guest House
- Parking:
- Additional Parking,Driveway
Construction
- Roofing:
- Metal
- General:
- Stucco, 2
Location
- Road/Access:
- City Street
- Originating MLS:
- BCAR
- County:
- Bay
Lot
- Zoning:
- HOLIDAY BEACH UNIT #7 LOT 18 BLK 2 ORB 4663 P 614, 30753-032-000
- Fencing:
- Partial
Utilities
- Utilities:
- Septic Available,Water Connected
- Sewer:
- Septic Tank
Financial
- Source:
- BCAR
This listing courtesy of:
High Tide Realty
Monthly Payment
Disabled 10% or more?
Used a VA Loan before?
Eligible for BAH?
Do you have dependents?
Your BAH amount is for the military housing area.
Loan term (number of years)
Property taxes are generally around 1.2% of the home’s value, but may vary based on location.
Annual homeowners insurance is typically 0.35% of the home’s value but can vary based on insurer.
$---
Est. Payment *
- Principal & Interest $--
- Taxes $--
- Insurance $--
- VA Funding Fee $--
$--- Est. Payment - $--- BAH = $--- Remaining
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About Panama City, FL
Housing
- Number of Units
- 58,946
- Median Home Value
- $185,387
- Median Rent
- $878
32.64% of housing units are renter occupied.
25.59% are vacant.
Commute
- Car
-
80.21%
- Public Transportation
-
0.61%
- Walk to Work
-
0.66%
- Work from Home
-
16.96%
- Other
-
0.90%
The median travel time to work is 22 minutes.
People
- Population
- 107,776
- Median Age
- 40.00
- Median Household Size
- 2.60
Education
- High School
-
30.71%
- Associate’s Degree
-
12.03%
- Bachelor’s Degree
-
14.18%
- Graduate Degree
-
7.89%
Disclaimer: Community and Demographic information uses data from the U.S. Census Bureau but is not endorsed or certified by the Census Bureau.
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