3909 Ray St

Panama City, FL 32408

$565,000
Price
3
Beds
2,112 Sq. Ft.
$268 / Sq. Ft.
2,112
Sq. Ft.
$268
per Sq. Ft.

Description

Imagine your own fully furnished coastal retreat—two homes, one unbeatable opportunity—set 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...Imagine your own fully furnished coastal retreat—two homes, one unbeatable opportunity—set 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 back—complete with its own driveway, kitchen, and separate entrance. Whether you're a house hacker, investor, or just someone who loves your friends and family—but not enough to let them stay in your house—this setup absolutely delivers. Ready to turn your investment goals into beachside reality? Schedule your private tour today.
  1. Listed by Marc A Miller • Scenic Sotheby's International Realty

Property Details for 3909 Ray Street

Waterfront
Yes
Subdivision Name
Holiday Beach Unit 7
View
Lagoon
View
Yes
LISTING UPDATED: 02/23/2026 08:37 AM

Property Details for 3909 Ray Street

StatusActive
MLS #782259
Days on Market84
Taxes$4,473 / year
HOA Fees-
Condo/Co-op Fees-
Compass TypeMulti Family
MLS TypeResidential / Multi Family / Multi Family
Year Built1983
Lot Size0.18 AC / 7,840 SF
CountyBay County

Location

Listing Courtesy of Scenic Sotheby's International Realty
Add your commute

Building Information for 3909 Ray Street

Stories-Residences-Year Built1983Building Size-Lot Size0.18 AC / 7,840 SF

Payment Calculator

$3,126 per month

30 year fixed, 6.15% Interest

Principal and Interest

$2,754

Property Taxes

$373

HOA Dues

$0

The Payment Calculator is for illustrative purposes only.

Property Information for 3909 Ray Street

Summary
Location and General Information
  • City: Panama City
  • County Or Parish: Bay
  • Directions: From the intersection of Highway 98 and Navy Boulevard (Thomas Drive), head west on Thomas Drive, turn right onto Raven Street, take a left onto Sunset Avenue, and then turn right onto Ray Street; the property is located on the right.
  • State Region: FL
  • Postal Code: 32408
  • Latitude: 30.155351
  • Longitude: -85.766086
  • State Or Province: FL
  • MLS Area Major: 03 - Bay County - Beach
  • MLS Area Minor: 0323 - Beach - South of Grand Lagoon
Taxes and HOA Information
  • Parcel Number: 30753-032-000
  • Association: No
  • Tax Annual Amount: $4,473.00
  • Tax Legal Description: HOLIDAY BEACH UNIT #7 LOT 18 BLK 2 ORB 4663 P 614
  • Tax Year: 2024
School Information
  • Elementary School: Patronis
  • High School: Arnold
  • Middle Or Junior School: Surfside
Parking
  • Garage: No
Property
Lot Information
  • Building Area Total: 2112.0
  • Lot Size Acres: 0.18
  • Lot Size Area: 0.18
  • Lot Size Dimensions: 50 x 155
  • Lot Size Units: Acres
  • Lot Size Square Feet: 7710.0
  • Living Area Source: Appraiser
Property and Assessments
  • Other Structures: Guest House
  • Year Built: 1983
  • New Construction: No
  • Human Modified: No
Interior and Exterior Features
Exterior Features
  • Exterior Features: Covered Patio
  • Fencing: Fenced
  • Community Features: Short Term Rental Allowed
  • Construction Materials: Stucco
  • Patio And Porch Features: Balcony, Deck, Covered, Patio
  • Roof: Metal
Interior Features
  • Flooring: Luxury Vinyl Plank
  • Bathrooms Full: 4
  • Bathrooms Total: 4
  • Bedrooms Total: 3
  • Rooms Total: 10
  • Cooling: Yes
  • Cooling: Central Air
  • Heating: Yes
  • Heating: Central
  • Appliances: Electric Cooktop, Electric Oven
  • Interior Features: Interior Steps
Room Information
Room 1
  • Room Dimensions: 5.1 x 9.8
  • Room Length: 5.09
  • Room Level: Second
  • Room Type: Full Bath
  • Room Width: 9.8
Room 2
  • Room Dimensions: 8.8 x 9.7
  • Room Length: 8.8
  • Room Level: Second
  • Room Type: Primary Bathroom
  • Room Width: 9.69
Room 3
  • Room Dimensions: 10.3 x 9.1
  • Room Length: 10.3
  • Room Level: Second
  • Room Type: Bonus Room
  • Room Width: 9.1
Room 4
  • Room Dimensions: 16.8 x 9.7
  • Room Length: 16.8
  • Room Level: Second
  • Room Type: Primary Bedroom
  • Room Width: 9.69
Room 5
  • Room Dimensions: 20.5 x 9.1
  • Room Length: 20.5
  • Room Level: Second
  • Room Type: Bedroom
  • Room Width: 9.1
Room 6
  • Room Dimensions: 5.3 x 9.4
  • Room Length: 5.3
  • Room Level: First
  • Room Type: Full Bath
  • Room Width: 9.4
Room 7
  • Room Dimensions: 7.8 x 9.4
  • Room Length: 7.8
  • Room Level: First
  • Room Type: Laundry
  • Room Width: 9.4
Room 8
  • Room Dimensions: 23 x 9.4
  • Room Length: 23.0
  • Room Level: First
  • Room Type: Living Room
  • Room Width: 9.4
Room 9
  • Room Dimensions: 18.7 x 9.7
  • Room Length: 18.7
  • Room Level: First
  • Room Type: Kitchen
  • Room Width: 9.69
Room 10
  • Room Dimensions: 6.8 x 9.7
  • Room Length: 6.8
  • Room Level: First
  • Room Type: Dining Room
  • Room Width: 9.69
Multi Family
Multi-Family Information
  • Units Furnished: All Units
Mobile Home
Mobile Home Information
  • Mobile Dim Units: Feet
Rental
Rental Information
  • Occupant Type: Tenant

Property History for 3909 Ray Street

DateEvent & SourcePriceAppreciation
Jan 29, 2026

Price Change

CPAR #782259

$565,000—
Dec 2, 2025

Listed (Active)

CPAR #782259

$575,000—
Nov 1, 2025

Expired

CPAR #771619

$584,919—
Apr 8, 2025

Listed (Active)

CPAR #771619

$633,900—
Mar 21, 2025

Expired

CPAR #762934

$629,900—
Sep 20, 2024

Listed (Active)

CPAR #762934

$639,000—
Dec 15, 2023

Withdrawn

CPAR #746606

$624,000—
Sep 14, 2023

Listed (Active)

CPAR #746606

$639,000—
Feb 28, 2023

Sold

CPAR #735110

$408,200—
Jan 6, 2023

Pending

CPAR #735110

—
Dec 2, 2022

Listed (Active)

CPAR #735110

$475,000—
Jul 29, 2014

Sold (Public Record)

Public Record #432363861

$164,900

+1.8% / yr

Jul 29, 2014

Sold

CPAR #615219

$164,900—
Jun 13, 2014

Pending

CPAR #615219

—
Dec 6, 2013

Listed (Active)

CPAR #615219

$199,900—
Aug 23, 2013

Expired

CPAR #606715

$174,900—
Feb 26, 2013

Listed (Active)

CPAR #606715

$215,000—
Sep 13, 2012

Expired

CPAR #507226

$199,900—
Jun 13, 2012

Listed (Active)

CPAR #507226

$199,900—
Aug 28, 2003

Sold (Public Record)

Public Record #119103947

$135,000—
Aug 26, 2003

Sold

CPAR #311308

$130,000—
Aug 1, 2003

Pending

CPAR #311308

—
Jun 30, 2003

Listed (Active)

CPAR #311308

$145,000—
DateEvent & SourcePrice
01/29/2026

Price Change

CPAR #782259

$565,000
12/02/2025

Listed (Active)

CPAR #782259

$575,000
11/01/2025

Expired

CPAR #771619

$584,919
04/08/2025

Listed (Active)

CPAR #771619

$633,900
03/21/2025

Expired

CPAR #762934

$629,900
09/20/2024

Listed (Active)

CPAR #762934

$639,000
12/15/2023

Withdrawn

CPAR #746606

$624,000
09/14/2023

Listed (Active)

CPAR #746606

$639,000
02/28/2023

Sold

CPAR #735110

$408,200
01/06/2023

Pending

CPAR #735110

—
12/02/2022

Listed (Active)

CPAR #735110

$475,000
07/29/2014

Sold (Public Record)

Public Record #432363861

$164,900

+1.8% / yr

07/29/2014

Sold

CPAR #615219

$164,900
06/13/2014

Pending

CPAR #615219

—
12/06/2013

Listed (Active)

CPAR #615219

$199,900
08/23/2013

Expired

CPAR #606715

$174,900
02/26/2013

Listed (Active)

CPAR #606715

$215,000
09/13/2012

Expired

CPAR #507226

$199,900
06/13/2012

Listed (Active)

CPAR #507226

$199,900
08/28/2003

Sold (Public Record)

Public Record #119103947

$135,000
08/26/2003

Sold

CPAR #311308

$130,000
08/01/2003

Pending

CPAR #311308

—
06/30/2003

Listed (Active)

CPAR #311308

$145,000

For completeness, Compass often displays two records for one sale: the MLS record and the public record.

Public Records for 3909 Ray Street

Taxable ValueLand$167,109Additions$310,758Total$477,867
Tax Record2025$5,875 ($490 / month)
Home Facts
Beds3Total Finished SqFt1,368 SqFtAbove Grade Finished SqFt1,368 SqFtStories2Lot Size7,710 SqFtStyleSingle Family ResidenceYear Built1983Year Renovated2013ZoningBC15CountyBAYAPN30753-032-000

Schools near 3909 Ray Street

This home is within Bay.
Rating
School
Type
Grades
Distance
Patronis Elementary School
Public - K to 5
Surfside Middle School
Public - 6 to 8
J.R. Arnold High School
Public - 9 to 12
A. Gary Walsingham Academy
Public - PK to 3
Rating
School
Distance
Patronis Elementary School
PublicK to 5

Surfside Middle School
Public6 to 8

J.R. Arnold High School
Public9 to 12

A. Gary Walsingham Academy
PublicPK to 3

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

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More information about 3909 Ray Street, Panama City, FL 32408

3909 Ray Street is a multi-family home for sale in Panama City, FL 32408. This property was listed for sale on December 3, 2025 by Scenic Sotheby's International Realty, it's currently listed at $565,000. It has been on the market for a total of 84 days and was last sold on February 28, 2023. This listing's school district is Bay. Nearby schools include Patronis Elementary School, Surfside Middle School and J.R. Arnold High School. 3909 Ray Street is a 3-bed, 4-bath, 2,112 sqft multi-family home built in 1983.

No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of descriptions or measurements (including square footage measurements and property condition), such should be independently verified, and Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties expressly disclaims any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the discretion of the seller. No financial or legal advice provided. Equal Housing Opportunity. Subject to change at any time. Compass makes no guarantee, warranty or representation regarding the accuracy of any waterfront feature, water view or waterfront view.

Listing Courtesy of Scenic Sotheby's International Realty

The data relating to real estate for sale/lease on this web site come in part from a cooperative data exchange program of the Emerald Coast Association of REALTORS, Central Panhandle Association of REALTORS, Pensacola Association of REALTORS and Capital Area Technology & REALTOR Services. The properties displayed may not be all of the properties in the MLS's database, or all of the properties listed with Brokers participating in the cooperative data exchange program. Information deemed reliable but not guaranteed. Copyright© 2026 Emerald Coast Association of REALTORS, Central Panhandle Association of REALTORS, Pensacola Association of REALTORS and Capital Area Technology & REALTOR Services. All Rights Reserved.