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3909 Ray St, Panama City Beach, FL, 32408

$639,000

Home List Price

$7,588*

Closing Credit

2 Bedrooms
3 Full Baths
1,368 SqFt
$467/SqFt
House

Location

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3909 Ray St, Panama City$639,000

Buyer Closing Credits

$7,588*

1.25% Loan Amount

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Property Highlights

Home TypeSingle Family Residence
ParkingAdditional Parking, Driveway
Year Built1983
HeatingCentral, Electric
CoolingCentral Air, Ceiling Fan(s), Electric
MLS #762934
Lot Size0.18 Acres
StatusActive

About 3909 Ray St

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!

Property Details

Property Features

Property Information:

  • Architectural Style: Coastal
  • Year Built: 1983
  • Living Area: 1,368 SqFt

Listing Office:

  • Office Name: High Tide Realty

Interior Features

Interior Information:

  • Appliances: Washer/Dryer Stacked, Dishwasher, Electric Cooktop, Microwave, Refrigerator

Bedroom and Bathroom Information:

  • Full Bathrooms: 3
  • Total Bedroom Count: 2

Exterior Features

Exterior Information:

  • Exterior: Balcony, Deck, Patio

Parking Information:

  • Parking: Additional Parking, Driveway

Lot Features

Lot Information:

  • Lot Size: 0.18 Acres

Utilities

Utilities Information:

  • Heating: Central, Electric
  • Cooling: Central Air, Ceiling Fan(s), Electric

Other

Directions Information:

  • Directions: East on Thomas Dr, turn right onto Raven St. Turn left onto Sunset Ave, turn right onto Ray St. Arrive at 3909 Ray St on the right

Price Information

Listing Price Info

Price Summary:

  • List Price: $639,000
  • Price Per SqFt: $467/SqFt

Tax Information:

  • Annual Amount: $1,293
  • Tax Year: 2020
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Housing Market Comparison

See how this home compares to others in Panama City, FL.

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Panama City, FL

City

Med. Sold Price

$339.4K

Med. Price/SqFt

$201

Avg. Days On Market

77

# of Sold Homes

194

3909 Ray St vs Panama City

51 DAYS ON ROCKET

-26 Days

$639,000

+$299.5K More

$467/SqFt

+$265 More

KEY TAKEAWAY

This property is $299.5K more than the Median Sold Price and $265/SqFt more than other homes in Panama City, FL.

Based on homes sold in the last 12 months

MLS Details

MLS Information:

  • MLS Name: BCAR
  • MLS Number: #762934

Listing Office:

  • Office Name: High Tide Realty

IDX The data relating to real estate for sale on this web site comes in part from the Internet Data exchange program of Central Panhandle Association of REALTORS®. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed. Properties subject to prior sale, change, withdrawal or rental. Copyright© 2024 Central Panhandle Association of REALTORS.© All Rights Reserved.
Data displayed may be a portion of, and not a complete set of all listings published in the MLS.
Last updated on: 11/21/2024, 11:55:52 PM Eastern. If you have any questions regarding the accuracy of this data, please contact us at help@rockethomes.com.

Property Sales & Tax

Listing History

Jul 30, 2014Home Sold
$164,900
Aug 28, 2003Home Sold
$135,000

Tax History

YEARPROP. TAXASSESSMENT
2020$1,293$140,769
2018$1,257$135,038
2017$1,235$132,261

History based on county public records data.

Payment Calculator

$3,257

Per Month

Recommended Financing

30-Year Fixed

Rate/APR

7.5% / 6.68%

Total Monthly Payment

$1,982

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NMLS#3030

Schools

Schools Nearby

The school rating is a score out of 10, where 10 is the highest and 1 is the lowest. Assigned schools have a bold outline.

Nearby Schools

school-card-donut-479048
7
/10

  • Patronis Elementary School

  • 7400 Patronis Dr

  • 1.05 miles

  • Public District Grades KG-5

school-card-donut-479049
3
/10

  • Lucille Moore Elementary School

  • 1900 Michigan Ave

  • 4.02 miles

  • Public District Grades PK-5

school-card-donut-479050
1
/10

  • St. Andrew School at Oakland Terrace

  • 2010 W 12th St

  • 4.59 miles

  • Public District Grades PK-5

All data from GreatSchools

Neighborhood

What Are The Neighbors Like?

The neighbors living near this home have an average income of $68,601. Typical income of Panama City, FL residents is between $35k-100k annually. The majority of families are single, no kids. The most common level of education of people living in this area is post secondary degree.

All data provided by Home Junction and Claritas

Frequently Asked Questions About 3909 Ray St

What is the listing price of this property?

The listing price of 3909 Ray St property is $639,000.

What type of property is this?

The property 3909 Ray St is a house located in Panama City Beach, Florida, 32408.

Is this property for sale now?

Active Listing: 3909 Ray St is For Sale (Active/New) which means the seller is accepting offers.

What is the annual property tax for this property?

According to the records, the last property tax for 2020 is $1,293 (source: MLS/based on county public records data).

When was this property sold last time and for how much?

The last sale was on July 30, 2014 for $164,900. (source: MLS/tax record).

How many bedrooms and bathrooms does this property have?

The property at 3909 Ray St has 2 bedrooms and 3 bathrooms.

What is the square footage of this property?

The property 3909 Ray St is 1,368 SqFt (source: MLS/tax record).

Which year was this property built?

The year of construction for 3909 Ray St is 1983.

Rocket Homes›Florida›Bay County›Panama City›32408›3909 Ray St

This home is located at 3909 Ray St in Panama City Beach, FL and zip code 32408 in the Holiday Beach neighborhood. This 1,368 square foot home, which was built in 1983, sits on a 0.18 acre lot. Features: 2 bedrooms, 3 bathrooms. It has been listed on Rocket Homes since October 01, 2024 and is currently priced at $639,000.

Panama City, FL housing market in October 2024 saw over 16 listings sold above listed price, more than 40 sold at listed price and over 138 sold below. The number of homes for sale in Panama City, FL decreased by 1.7% between September 2024 and October 2024. Listings spent 77 days on the market in October 2024, and had a median list price of $339,477 during the same period.

From Rocket Homes Real Estate and based on county public records data.

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