3909 Ray Street, Panama City Beach, FL 32408

• 3 beds |
• 4 baths |
• 2,112 sqft

Property 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 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.

Listing Status:

Active

Date Added:

December 3, 2025 at 06:00AM

Listing Office:

REMAX By The Sea : 850-424-3674

MLS ID:

782259

Interior

• General: Interior Steps
• Appliances: Electric CooktopElectric Oven
• Flooring: Luxury Vinyl Plank
• A/C: Central Air
• Heating: Central

Exterior

• General: Covered PatioGuest House
• Other Structures: Guest HouseBalconyDeckPatioCovered

Location

• Originating MLS: CPAR_CPAR
• County: Bay

Lot

• Zoning: HOLIDAY BEACH UNIT #7 LOT 18 BLK 2 ORB 4663 P 61430753-032-000
• View: LagoonView
• Fencing: Fenced

Financial

• Source: CPAR_CPAR

This listing courtesy of REMAX By The Sea