3909 Ray St Panama City, FL 32408
Estimated payment $3,560/month
Total Views
4,195
2
Beds
3
Baths
1,368
Sq Ft
$428
Price per Sq Ft
Highlights
- Spa
- Coastal Architecture
- Furnished
- Patronis Elementary School Rated A-
- Bonus Room
- No HOA
About This Home
Turnkey Beachside Retreat!Beachgoers and investors- Discover this FULLY FURNISHED, 2 bedroom/3 bathroom vacation property! Complete with beds, bunks and a 600+ sq ft mother-in-law quarters with personal driveway. You will find this property on the East end of PCB, south of Grand Lagoon, in the Holiday Beach area. Property features a main house with 6 beds, a modern kitchen with quartz countertops, sleek shaker cabinets, SS appliances and a relaxing living area, optimal for a lucrative short-term vacation rental as well as a personal escape. Separate mother-in-law quarters is equipped with a full kitchen and bathroom, which offers additional flexibility for guests, as well as the opportunity for additional short-term or even long-term rental income! Enjoy the Florida sunshine from the beautiful upstairs balcony, in the hot tub, or on the front patio. Located steps from the beach, local eateries and just a short drive to Pier Park, this beach house is ideally positioned for investment-minded buyers, those seeking a holiday home or a coastal cottage to call their own!
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $4,473
Year Built
- Built in 1983
Lot Details
- 7,750 Sq Ft Lot
- Lot Dimensions are 50x155
- Fenced
Parking
- Driveway
Home Design
- Coastal Architecture
- Stucco
Interior Spaces
- 1,368 Sq Ft Home
- Furnished
- Ceiling Fan
- Living Room
- Dining Room
- Bonus Room
- Stacked Washer and Dryer
Kitchen
- Breakfast Bar
- Convection Oven
- Electric Oven
- Electric Cooktop
- Range Hood
- Dishwasher
- Kitchen Island
Bedrooms and Bathrooms
- 2 Bedrooms
- In-Law or Guest Suite
- 3 Full Bathrooms
Outdoor Features
- Spa
- Balcony
- Covered Patio or Porch
Schools
- Patronis Elementary School
- Surfside Middle School
- Arnold High School
Utilities
- Central Heating and Cooling System
- Gas Water Heater
Community Details
- No Home Owners Association
- Holiday Beach Unit 7 Subdivision
Listing and Financial Details
- Legal Lot and Block 18 / 2
Map
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Home Values in the Area
Average Home Value in this Area
Tax History
| Year | Tax Paid | Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. | Land | Improvement |
|---|---|---|---|---|
| 2024 | $1,445 | $360,691 | $148,400 | $212,291 |
| 2023 | $1,445 | $151,433 | $0 | $0 |
| 2022 | $1,300 | $147,022 | $0 | $0 |
| 2021 | $1,298 | $142,740 | $0 | $0 |
| 2020 | $1,293 | $140,769 | $0 | $0 |
| 2019 | $1,268 | $137,604 | $0 | $0 |
| 2018 | $1,257 | $135,038 | $0 | $0 |
| 2017 | $1,235 | $132,261 | $0 | $0 |
| 2016 | $1,745 | $132,842 | $0 | $0 |
| 2015 | $1,802 | $133,519 | $0 | $0 |
| 2014 | $1,301 | $95,631 | $0 | $0 |
Source: Public Records
Property History
| Date | Event | Price | Change | Sq Ft Price |
|---|---|---|---|---|
| 07/23/2025 07/23/25 | Price Changed | $584,919 | -2.2% | $428 / Sq Ft |
| 07/15/2025 07/15/25 | Price Changed | $598,000 | -3.5% | $437 / Sq Ft |
| 05/19/2025 05/19/25 | Price Changed | $619,900 | -2.2% | $453 / Sq Ft |
| 03/30/2025 03/30/25 | For Sale | $633,900 | +55.3% | $463 / Sq Ft |
| 02/28/2023 02/28/23 | Sold | $408,200 | -10.3% | $298 / Sq Ft |
| 01/22/2023 01/22/23 | Off Market | $455,000 | -- | -- |
| 01/06/2023 01/06/23 | Pending | -- | -- | -- |
| 12/23/2022 12/23/22 | Price Changed | $455,000 | -4.2% | $333 / Sq Ft |
| 12/02/2022 12/02/22 | For Sale | $475,000 | +188.1% | $347 / Sq Ft |
| 06/20/2022 06/20/22 | Off Market | $164,900 | -- | -- |
| 07/29/2014 07/29/14 | Sold | $164,900 | -17.5% | $121 / Sq Ft |
| 06/12/2014 06/12/14 | Pending | -- | -- | -- |
| 12/06/2013 12/06/13 | For Sale | $199,900 | -- | $146 / Sq Ft |
Source: Central Panhandle Association of REALTORS®
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Warranty Deed | $408,200 | Anchor Title | |
| Warranty Deed | $164,900 | Cornerstone Title Agency Inc | |
| Warranty Deed | $135,000 | Sunbelt Title Agency |
Source: Public Records
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $427,500 | New Conventional | |
| Closed | $397,000 | New Conventional | |
| Previous Owner | $100,000 | Credit Line Revolving | |
| Previous Owner | $136,000 | New Conventional | |
| Previous Owner | $161,912 | FHA | |
| Previous Owner | $315,000 | Credit Line Revolving | |
| Previous Owner | $108,000 | Purchase Money Mortgage |
Source: Public Records
Similar Homes in Panama City, FL
Source: Central Panhandle Association of REALTORS®
MLS Number: 771619
APN: 30753-032-000
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