Enjoy privacy, golf course views, and resort-style outdoor living in this beautifully updated 5BR/4BA Panama City Beach home on the Nicklaus Golf Course in the gated Bay Point community. Overlooking two ponds on holes #10 and #11, the home combines sweeping golf and water views with exceptional privacy and seclusion from surrounding properties.
Designed for everyday comfort and effortless entertaining, the home features spacious living areas that flow seamlessly to the outdoor space. Step outside to your private pool and expanded patio with a covered lanai, surrounded by lush landscaping and a new Zoysia lawn - perfect for family time, hosting friends, or relaxing after a round of golf.
Inside, hardwood and wood-look tile flooring runs throughout, complemented by chair rails and crown molding. The kitchen is both stylish and functional, featuring quartz countertops, stainless steel appliances, a gas cooktop, and double ovens. This five-bedroom floor plan provides versatile spaces to meet your needs: two rooms are currently used as a study and a wine room, both easily convertible into guest bedrooms, a home office or entertaining areas. An upstairs guest suite offers a private retreat for guests or extended family.
Convenience and functionality are thoughtfully handled throughout the home, including a renovated laundry room, a three-car garage with built-in cabinetry and additional storage, and updated systems including three HVAC units (changed within the past year), a new hot water heater (Dec 2025), refrigerator (Oct 2025), and dishwasher (under two years). Solar panels on the roof provide energy savings and help reduce monthly utility costs. Additional improvements include renovated bathrooms, refreshed interior paint (2025), air duct cleaning (Oct 2025), a new front entry door and tile, and a 2024 irrigation system - providing a move-in ready experience with peace of mind.
Bay Point is an exclusive 24/7 security-patrolled gated community which boasts a Nicklaus Golf Course, the Point South Marina with gulf access, dining at Neon's 72, and scenic walking areas. Grocery stores, restaurants, shopping, and everyday conveniences are just minutes away, while the white-sand beaches and natural beauty of St. Andrews State Park are a short drive from home. The community's safe, family-friendly environment and ample outdoor spaces make it ideal for recreation and everyday living.
Experience the ultimate Panama City Beach lifestyle in this spacious, private Bay Point home - schedule your private showing today.
For sale
Price cut: $20K (4/12)
$1,175,000
3502 Dragons Ridge Rd, Panama City Beach, FL 32408
5beds
3,922sqft
Est.:
Single Family Residence
Built in 1997
0.36 Acres Lot
$1,099,800 Zestimate®
$300/sqft
$-- HOA
What's special
- 29 days |
- 751 |
- 47 |
Zillow last checked:
Listing updated:
Listed by:
Craig Duran 850-290-0417,
Berkshire Hathaway HomeServices Beach Properties of Florida
Source: CPAR,MLS#: 786956
Originating MLS: Central Panhandle Association of REALTORS
Tour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 5
- Bathrooms: 4
- Full bathrooms: 4
Rooms
- Room types: Bedroom, Primary Bedroom, Bonus Room
Primary bedroom
- Level: First
- Dimensions: 25.2 x 17.2
Bedroom
- Level: First
- Dimensions: 11.2 x 16.1
Bedroom
- Level: First
- Dimensions: 14.4 x 10.9
Bedroom
- Level: Second
- Dimensions: 29.1 x 23.6
Bedroom
- Level: First
- Dimensions: 11.9 x 11
Heating
- Central, Electric
Cooling
- Central Air, Ceiling Fan(s)
Appliances
- Included: Gas Cooktop, Gas Water Heater
Interior area
- Total structure area: 3,922
- Total interior livable area: 3,922 sqft
Property
Parking
- Total spaces: 3
- Parking features: Gated
- Garage spaces: 3
Features
- Patio & porch: Deck, Patio
- Exterior features: Covered Patio, Patio
- Has private pool: Yes
- Pool features: Gunite, In Ground, Private
- Fencing: Fenced,Privacy
- On waterfront: Yes
- Waterfront features: Other
Lot
- Size: 0.36 Acres
- Dimensions: 125 x 165 x 77 x 146
Details
- Parcel number: 31402964000
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Craftsman
- Property subtype: Single Family Residence
Materials
- Stucco
- Foundation: Slab
- Roof: Composition,Shingle
Condition
- New construction: No
- Year built: 1997
Utilities & green energy
- Sewer: Public Sewer
- Utilities for property: Electricity Available
Community & HOA
Community
- Features: Basketball Court, Boat Facilities, Dock, Golf, Marina, Playground, Tennis Court(s), Gated
- Security: Gated with Guard, Gated Community, 24 Hour Security, Security Guard, Security Gate, Security Service
- Subdivision: Queensberry Ltd At Bay Point
HOA
- Has HOA: Yes
- Amenities included: Gated
Location
- Region: Panama City Beach
Financial & listing details
- Price per square foot: $300/sqft
- Tax assessed value: $823,175
- Annual tax amount: $9,136
- Date on market: 3/18/2026
- Cumulative days on market: 29 days
- Electric utility on property: Yes
Estimated market value
$1,099,800
$1.04M - $1.15M
$4,576/mo
Price history
| Date | Event | Price |
|---|---|---|
| 4/12/2026 | Price change | $1,175,000-1.7%$300/sqft |
Source: | ||
| 3/18/2026 | Listed for sale | $1,195,000+23.8%$305/sqft |
Source: | ||
| 1/24/2023 | Sold | $965,000-3.4%$246/sqft |
Source: | ||
| 12/29/2022 | Pending sale | $999,000$255/sqft |
Source: | ||
| 12/29/2022 | Contingent | $999,000$255/sqft |
Source: | ||
| 11/13/2022 | Listed for sale | $999,000+117.6%$255/sqft |
Source: | ||
| 3/3/2004 | Sold | $459,000$117/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $10,156 +150.6% | $823,175 +128.7% |
| 2023 | $4,053 +11.3% | $360,014 +3% |
| 2022 | $3,642 | $349,528 |
| 2021 | -- | -- |
| 2020 | $3,652 +3.4% | $334,663 +4.2% |
| 2019 | $3,531 | $321,304 -4.8% |
| 2018 | $3,531 -6.9% | $337,577 +0.2% |
| 2017 | $3,793 -0.5% | $336,797 -0.1% |
| 2016 | $3,813 -5.1% | $337,001 -0.4% |
| 2015 | $4,017 | $338,283 -1.9% |
| 2014 | $4,017 | $344,708 -1.2% |
| 2013 | -- | $348,793 +0.2% |
| 2012 | -- | $348,193 -2.2% |
| 2011 | -- | $356,182 -1% |
| 2010 | -- | $359,807 -11.6% |
| 2009 | -- | $407,070 -6.3% |
| 2008 | -- | $434,542 +3% |
| 2007 | -- | $421,885 +2.5% |
| 2006 | -- | $411,595 +3% |
| 2005 | -- | $399,607 +13.4% |
| 2004 | -- | $352,542 +1.9% |
| 2003 | -- | $345,969 +2.4% |
| 2002 | -- | $337,860 |
| 2001 | -- | $337,860 -0.2% |
| 2000 | -- | $338,467 |
Find assessor info on the county website
Monthly payment
Est. payment
$7,097/mo
Principal & interest
$5853
Property taxes
$1244
More affordability tools
Climate risks
Neighborhood: Upper Grand Lagoon
Nearby schools
GreatSchools rating
- 8/10Patronis Elementary SchoolGrades: K-5Distance: 3.4 mi
- 7/10Surfside Middle SchoolGrades: 6-8Distance: 9.2 mi
- 4/10J.R. Arnold High SchoolGrades: 9-12Distance: 7.3 mi
Schools provided by the listing agent
- Elementary: Patronis
- Middle: Surfside
- High: Arnold
Source: CPAR. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
A local agent can set up tours, give advice and negotiate with sellers.
A local lender can help you make sure your offer is ready when you are.
- Florida
- Bay County
- Panama City Beach
- 32408
- Upper Grand Lagoon
- 3502 Dragons Ridge Rd
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