***PLEASE READ THESE REMARKS IN THEIR ENTIRETY*** Nearly impossible to find a waterfront home of this caliber for the current asking price!! This absolutely STUNNING 5 bedroom(with a 3rd story loft that could be used as an office) 3 bathroom 3 story bay front home is guaranteed to leave you breathless...and the lot next door is also for sale!! The location of this home is BY FAR the best on the beach. Sitting on a corner lot overlooking St. Andrews Bay and with the Hathaway Bridge so close you can almost touch it, you can hop into your boat from your dock and spend the day fishing, or just enjoy cruising our beautiful waterways. You are less than a 15 minute boat ride to the Gulf of America(love saying that), and about 10 minutes to Shell Island. This beauty offers granite countertops, stainless steel appliances, newly installed ceramic tile and carpeting, newly painted throughout, many new impact resistant plate glass windows, new front and side docks, brand new seawall, and an enclosed bay front sunroom with THE MOST INCREDIBLE VIEWS YOU WILL EVERY SEE!! Step outside to morning coffee or evening dinners under your new gazebo, and take in the beauty that this home has to offer. There is natural gas line availability right down the street. Hurry before this gorgeous home gets away!! All information is approximate and should be verified by buyers if important
For sale
Price cut: $100 (6/2)
$977,400
1039 Bay Cir, Panama City Beach, FL 32407
5beds
2,691sqft
Est.:
Single Family Residence
Built in 1972
0.29 Acres Lot
$933,600 Zestimate®
$363/sqft
$-- HOA
What's special
New gazeboGranite countertopsEnclosed bay front sunroomWaterfront homeIncredible viewsHathaway bridgeCorner lot
- 116 days
- on Zillow |
- 573 |
- 32 |
Zillow last checked: 7 hours ago
Listing updated: June 02, 2025 at 12:44pm
Listed by:
Mario Gobel 850-527-5878,
RE/MAX Freedom
Source: CPAR,MLS#: 770527
Originating MLS: Central Panhandle Association of REALTORS

Travel times
Tour with a buyer's agent
Tour with a buyer's agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 5
- Bathrooms: 3
- Full bathrooms: 3
Rooms
- Room types: Bedroom, Dining Room, Garage, Laundry, Primary Bedroom, Sunroom
Primary bedroom
- Level: First
- Area: 225
- Dimensions: 15 x 15
Bedroom
- Level: Second
- Area: 120
- Dimensions: 12 x 10
Bedroom
- Level: Second
- Area: 120
- Dimensions: 12 x 10
Bedroom
- Level: Third
- Area: 128
- Dimensions: 32 x 4
Dining room
- Description: Dining/Kitchen combo
- Level: First
- Area: 400
- Dimensions: 20 x 20
Garage
- Level: First
- Area: 462
- Dimensions: 22 x 21
Laundry room
- Level: First
- Area: 120
- Dimensions: 12 x 10
Sunroom
- Description: Enclosed/bay front
- Level: First
- Area: 220
- Dimensions: 20 x 11
Heating
- Central, Electric
Cooling
- Central Air, Ceiling Fan(s), Electric
Appliances
- Included: Dryer, Dishwasher, Electric Range, Electric Water Heater, Disposal, Microwave, Refrigerator, Washer
Features
- High Ceilings, Kitchen Island, Pantry, Recessed Lighting, Split Bedrooms
- Windows: Double Pane Windows, Storm Window(s)
Interior area
- Total interior livable area: 2,691 sqft
Property
Parking
- Total spaces: 2
- Parking features: Attached, Carport, Driveway, Garage
- Attached garage spaces: 2
- Has carport: Yes
- Has uncovered spaces: Yes
- Details: Driveway Spaces:2.00
Features
- Patio & porch: Balcony
- Exterior features: Balcony
- Pool features: None
- Fencing: Partial
- Has view: Yes
- View description: Bay, Intercoastal
- Has water view: Yes
- Water view: Bay,Intercoastal
- Waterfront features: Bay Access, Dock Access, Intracoastal Access, Seawall, Waterfront
Lot
- Size: 0.29 Acres
- Dimensions: 25 x 142 x 37 x 77 x 124
- Features: Cul-De-Sac, Dead End, Interior Lot, Landscaped, Waterfront
Details
- Additional structures: Gazebo
- Parcel number: 27344189000
- Zoning description: Resid Multi-Family
- Special conditions: Listed As-Is
Construction
Type & style
- Home type: SingleFamily
- Architectural style: A-Frame
- Property subtype: Single Family Residence
Materials
- HardiPlank Type, Wood Frame
- Foundation: Slab
- Roof: Metal
Condition
- Year built: 1972
Utilities & green energy
- Utilities for property: Cable Connected, Underground Utilities
Community & HOA
Community
- Security: Closed Circuit Camera(s), Secured Garage/Parking, Smoke Detector(s)
- Subdivision: Bayside Park U-1
HOA
- Has HOA: No
Location
- Region: Panama City Beach
Financial & listing details
- Price per square foot: $363/sqft
- Tax assessed value: $525,972
- Annual tax amount: $4,479
- Date on market: 3/18/2025
- Listing terms: Cash,Conventional
- Road surface type: Paved
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