3943 Indian Springs Rd

Panama City, FL 32404

$395,000
Price
4
Beds
2,739 Sq. Ft.
$144 / Sq. Ft.
2,739
Sq. Ft.
$144
per Sq. Ft.
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Description

One of the BEST values in Riverside--spacious, stylish, and tucked away on a quiet cul-de-sac! Welcome to 3943 Indian Springs Rd, where space, comfort, and lifestyle come together in one of Panama City's most desirable neighborhoods. With 2,700+ sq ft, 4 bedrooms, Bonus room and a flexible layout, this home is designed for the way you actually live. As you arrive, you'll love the welcoming feel of the neighborhood with its sidewalks, mature trees, and well-kept surroundings. Inside, the home features...One of the BEST values in Riverside--spacious, stylish, and tucked away on a quiet cul-de-sac! Welcome to 3943 Indian Springs Rd, where space, comfort, and lifestyle come together in one of Panama City's most desirable neighborhoods. With 2,700+ sq ft, 4 bedrooms, Bonus room and a flexible layout, this home is designed for the way you actually live. As you arrive, you'll love the welcoming feel of the neighborhood with its sidewalks, mature trees, and well-kept surroundings. Inside, the home features beautiful finishes throughout, including hardwood floors, carpeted bedrooms, crown molding, raised ceilings, and plenty of natural light that makes the space feel open and inviting. Plantation shutters add to that clean and well maintained feel. The kitchen is a standout with granite counter tops, stainless steel appliances, a large island, and great windows that bring in tons of natural light--perfect for everyday living or entertaining. Open to the kitchen is plenty of room for a large dining area, perfect for gathering friends and family around the dinner table. The layout offers a split-bedroom floor plan with the primary suite conveniently located on the first floor, while the upstairs bonus space gives you flexibility for a playroom, media room, or home office. Just outside the Primary Suite and kitchen entrance is a private courtyard with plenty of space for outdoor entertaining, complete with an in ground fire pit. Two covered porches that open to the communities private sidewalks are great for relaxing and enjoying the sounds of nature. A spacious 2 car garage adds to the space with plenty of storage. And one of the best parts--Riverside's amenities! Residents enjoy access to a community pool, community center, basketball court and a great area for kids to play. Homes like this--this size, this layout, in this location--don't last. Schedule your showing today before it's gone!
  1. Listed by Sonja J Givens Cope • Coldwell Banker Realty

Property Details for 3943 Indian Springs Road

Waterfront
No
Subdivision Name
Riverside Phase III
LISTING UPDATED: 04/27/2026 03:04 PM

Property Details for 3943 Indian Springs Road

StatusActive
MLS #787973
Days on Market22
Taxes$2,893 / year
HOA Fees-
Condo/Co-op Fees-
Property TypeSingle Family
MLS TypeResidential / Single Family Residence / Single Family Residence
Year Built2006
Lot Size0.21 AC / 9,147 SF
CountyBay County
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Location

Listing Courtesy of Coldwell Banker Realty
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Building Information for 3943 Indian Springs Road

Stories2Year Built2006Building Size-Lot Size0.21 AC / 9,147 SF

Payment Calculator

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$2,230 per month

30 year fixed, 6.46% Interest

Principal and Interest

$1,989

Property Taxes

$241

HOA Dues

$0

The Payment Calculator is for illustrative purposes only.

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Property Information for 3943 Indian Springs Road

Summary
Location and General Information
  • City: Panama City
  • County Or Parish: Bay
  • Directions: From Highway 390, turn south onto Cato Rd (across from North Bay Haven), then right onto Indian Springs Rd. Home will be on the second home on the right. From Highway 231, turn North onto Cato Rd. Turn left onto Indian Springs Rd. Home will be the second house on the right. For Sale sign hung on fence beside garage.
  • State Region: FL
  • Postal Code: 32404
  • Latitude: 30.229943
  • Longitude: -85.595243
  • State Or Province: FL
  • Road Frontage Type: City Street
  • Road Responsibility: Public Maintained Road
  • MLS Area Major: 02 - Bay County - Central
  • MLS Area Minor: 0201 - Bay - Central NE
Taxes and HOA Information
  • Parcel Number: 11476-120-330
  • Association: Yes
  • Tax Annual Amount: $2,893.00
  • Tax Legal Description: Lot 60, Riverside Phase 3, according to the plat thereof, recorded in Plat Book 20, Page 18, of the public records of Bay County, Florida
  • Tax Year: 2025
School Information
  • Elementary School: Deer Point
  • High School: Mosley
  • Middle Or Junior School: Merritt Brown
Parking
  • Garage Spaces: 2.0
  • Garage: Yes
Property
Lot Information
  • Building Area Total: 2739.0
  • Lot Features: Cul De Sac, Paved
  • Lot Size Acres: 0.21
  • Lot Size Area: 0.21
  • Lot Size Dimensions: 50 x 180
  • Lot Size Units: Acres
  • Lot Size Square Feet: 9148.0
  • Living Area Source: Appraiser
Property and Assessments
  • Senior Community: No
  • Year Built: 2006
  • New Construction: No
  • Human Modified: No
Utilities
  • Sewer: Public Sewer
  • Utilities: Electricity Available
Interior and Exterior Features
Exterior Features
  • Exterior Features: Fire Pit
  • Fencing: Partial
  • Pool Features: Community
  • Association Amenities: Dock
  • Community Features: Basketball Court, Clubhouse, Fitness Center, Playground, Pool, Community Pool
  • Construction Materials: Vinyl Siding
  • Patio And Porch Features: Balcony, Covered, Porch
Interior Features
  • Levels: Two
  • Stories: 2
  • Stories Total: 2
  • Bathrooms Full: 2
  • Bathrooms Half: 1
  • Bathrooms Total: 3
  • Bedrooms Total: 4
  • Rooms Total: 7
  • Cooling: Yes
  • Cooling: Central Air
  • Heating: Yes
  • Heating: Electric, Fireplaces
  • Appliances: Electric Range, Electric Water Heater
  • Fireplace: Yes
  • Interior Features: Interior Steps
Room Information
Room 1
  • Room Dimensions: 12 x 10
  • Room Length: 12.0
  • Room Level: Second
  • Room Type: Full Bath
  • Room Width: 10.0
Room 2
  • Room Dimensions: 16 x 12
  • Room Length: 16.0
  • Room Level: First
  • Room Type: Kitchen
  • Room Width: 12.0
Room 3
  • Room Dimensions: 19 x 14
  • Room Length: 19.0
  • Room Level: Second
  • Room Type: Bonus Room
  • Room Width: 14.0
Room 4
  • Room Dimensions: 18 x 13
  • Room Length: 18.0
  • Room Level: Second
  • Room Type: Bedroom
  • Room Width: 13.0
Room 5
  • Room Dimensions: 18 x 12
  • Room Length: 18.0
  • Room Level: Second
  • Room Type: Bedroom
  • Room Width: 12.0
Room 6
  • Room Dimensions: 15 x 14
  • Room Length: 15.0
  • Room Level: Second
  • Room Type: Bedroom
  • Room Width: 14.0
Room 7
  • Room Dimensions: 17 x 15
  • Room Length: 17.0
  • Room Level: First
  • Room Type: Primary Bedroom
  • Room Width: 15.0
Multi Family
Multi-Family Information
  • Units Furnished: None
Mobile Home
Mobile Home Information
  • Mobile Dim Units: Feet
Rental
Rental Information
  • Occupant Type: Occupied

Property History for 3943 Indian Springs Road

DateEvent & SourcePriceAppreciation
Apr 7, 2026

Listed (Active)

CPAR #787973

$395,000—
Dec 4, 2016

Withdrawn

CPAR #650423

$294,900—
Sep 12, 2016

Listed (Active)

CPAR #650423

$315,000—
DateEvent & SourcePrice
04/07/2026

Listed (Active)

CPAR #787973

$395,000
12/04/2016

Withdrawn

CPAR #650423

$294,900
09/12/2016

Listed (Active)

CPAR #650423

$315,000

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

Public Records for 3943 Indian Springs Road

Taxable ValueLand-Additions-Total-
Tax Record2025$2,853 ($238 / month)
Home Facts
Beds4Total Finished SqFt2,739 SqFtAbove Grade Finished SqFt2,739 SqFtStories2Lot Size8,832 SqFtStyleSingle Family ResidenceYear Built2006CountyBAYAPN11476-120-330Fireplace TypeHas Fireplace

Schools near 3943 Indian Springs Road

This home is within Bay.
Rating
School
Type
Grades
Distance
Deer Point Elementary School
Public - PK to 5
Merritt Brown Middle School
Public - 6 to 8
A. Crawford Mosley High School
Public - 9 to 12
North Bay Haven Career Academy
Charter - 9 to 12
Rating
School
Distance
Deer Point Elementary School
PublicPK to 5

Merritt Brown Middle School
Public6 to 8

A. Crawford Mosley High School
Public9 to 12

North Bay Haven Career Academy
Charter9 to 12

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 3943 Indian Springs Road, Panama City, FL 32404

3943 Indian Springs Road is a single family home for sale in Panama City, FL 32404. This property was listed for sale on April 7, 2026 by Coldwell Banker Realty, it's currently listed at $395,000. It has been on the market for a total of 22 days and was last sold on April 16, 2015. This listing's school district is Bay. Nearby schools include Deer Point Elementary School, Merritt Brown Middle School and A. Crawford Mosley High School. 3943 Indian Springs Road is a 4-bed, 3-bath, 2,739 sqft single family home built in 2006.

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.

Listing Courtesy of Coldwell Banker 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.