# 1037 Bay Circle, Panama City Beach, FL 32407 > **TL;DR:** land, $399,000. > Waterfront, View. Est. $2,134/mo. Listed 121 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $399,000 | | Lot Size | 10,454 sqft (0.24 acres) | | Property Type | Land (Other) | | Status | Active | | Days on Market | 121 | ## Why This Home Stands Out - **Waterfront** - Waterfront location listed - **Views** - Harbor ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $2,018 | | Estimated Insurance | $116 | | **Total** | **$2,134** | ## Nearby Schools - **Elementary:** Breakfast Point - **Middle:** Breakfast Point - **High:** Arnold ## Key Amenities - Waterfront - View ## Property Highlights - 0.24 acre lot - Waterfront ## Description ### Agent Description WOW!!!!! Build your dream home on this wide water bay front Panama City Beach lot right around the corner from a Marina and less than a 5 minute drive to our beautiful white sand beaches!!! Gas line availability is right down the street and tap fee has been paid. I have 20 pages of building plans that can be provided upon request of a BEAUTIFUL home that was going on the lot before sellers decided to sell. It's a $20,000 value...free of charge!! The building possibilities are endless on this GORGEOUS cleared and ready to build on beauty. Build right away or just add a dock, park your boat, and come down for a weekend of fishing. Less than a 10 minute ride out to the open gulf. Hurry before this one gets away! All information is approximate and should be verified by buyers if important. ## Location - **Address:** 1037 Bay Circle, Panama City Beach, FL 32407 - **County:** Bay - **Neighborhood:** Bayside Park Unit 1 - **Coordinates:** 30.200456, -85.74715 - **Google Maps:** https://www.google.com/maps?q=30.200456,-85.74715 ## Listing Agent - **Name:** SunCoast Home Group - **Brokerage:** Counts Real Estate Group Inc - **Broker Phone:** (850) 249-3615 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/1037-Bay-Cir_Panama-City-Beach_FL_32407_M64863-37081?f=listhub&s=BCARFL&m=791975&c=propsimple) ## Photos ![1037 Bay Circle - Photo 1](http://lh.rdcpix.com/ed660232ac5bde1afe9eb1837be8eb93l-f217244962r.jpg) ![1037 Bay Circle - Photo 2](http://lh.rdcpix.com/ed660232ac5bde1afe9eb1837be8eb93l-f3320788449r.jpg) ![1037 Bay Circle - Photo 3](http://lh.rdcpix.com/ed660232ac5bde1afe9eb1837be8eb93l-f382828621r.jpg) ![1037 Bay Circle - Photo 4](http://lh.rdcpix.com/ed660232ac5bde1afe9eb1837be8eb93l-f3635791770r.jpg) ![1037 Bay Circle - Photo 5](http://lh.rdcpix.com/ed660232ac5bde1afe9eb1837be8eb93l-f2888420362r.jpg) ![1037 Bay Circle - Photo 6](http://lh.rdcpix.com/ed660232ac5bde1afe9eb1837be8eb93l-f1041189279r.jpg) ![1037 Bay Circle - Photo 7](http://lh.rdcpix.com/ed660232ac5bde1afe9eb1837be8eb93l-f1781760495r.jpg) ![1037 Bay Circle - Photo 8](http://lh.rdcpix.com/ed660232ac5bde1afe9eb1837be8eb93l-f2481202969r.jpg) ![1037 Bay Circle - Photo 9](http://lh.rdcpix.com/ed660232ac5bde1afe9eb1837be8eb93l-f797611724r.jpg) ![1037 Bay Circle - Photo 10](http://lh.rdcpix.com/ed660232ac5bde1afe9eb1837be8eb93l-f390830439r.jpg) --- **MLS#:** 791975 | **Updated:** 2026-10-20 **Source:** listhub *Copyright © 2026 Central Panhandle Association of REALTORS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.* [View on PropertySimple](https://staging.propertysimple.ai/listing/1037-bay-circle-panama-city-beach-fl-32407-8315a05e788d467287ab31ce119ced13) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://staging.propertysimple.ai/listing/1037-bay-circle-panama-city-beach-fl-32407-8315a05e788d467287ab31ce119ced13#listing", "url": "https://staging.propertysimple.ai/listing/1037-bay-circle-panama-city-beach-fl-32407-8315a05e788d467287ab31ce119ced13", "name": "1037 Bay Circle, Panama City Beach, FL 32407", "description": "WOW!!!!! Build your dream home on this wide water bay front Panama City Beach lot right around the corner from a Marina and less than a 5 minute drive to our beautiful white sand beaches!!! Gas line availability is right down the street and tap fee has been paid. 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