# 3903 Indian Springs Road, Panama City, FL 32404 > **TL;DR:** 3bd/3ba single family, $395,000 ($186/sqft), built 2026, 2,119 sqft. > A/C, 2-car garage. Est. $2,244/mo. Listed 40 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $395,000 | | Price/sqft | $186 | | Bedrooms | 3 | | Bathrooms | 2 full, 1 half | | Square Feet | 2,119 | | Year Built | 2026 | | Lot Size | 5,663 sqft (0.13 acres) | | Stories | 2 | | Garage | 2-car | | Property Type | Single Family (Single Family Residence) | | Status | Active | | Days on Market | 40 | ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $1,997 | | Estimated Insurance | $115 | | HOA | $132 | | **Total** | **$2,244** | ## Nearby Schools - **Elementary:** Deer Point - **Middle:** Merritt Brown - **High:** Mosley ## Key Amenities - A/C - 2-car garage ## Property Highlights - Built in 2026 - 0.13 acre lot - 2 stories ## Description ### Agent Description Welcome to this charming 3-bedroom 2.5 bath craftsman style home located in the Riverside community of Panama City! With a thoughtfully designed two story floor plan, this home offers plenty of space for both everyday living and entertaining. The first floor features a bright, open concept layout connecting the kitchen, dining area, and living room, with abundant natural light and wood look flooring throughout the main living spaces. The kitchen offers stainless steel appliances, ample cabinetry, and an island overlooking the living and dining areas. The primary suite is conveniently located downstairs and features a private bath and walk in closet. A half bath and laundry room complete the first floor. Upstairs, you'll find two additional bedrooms, a full bathroom, and a second spacious living room, giving you the flexibility for a family room, playroom, media space, or home office. Enjoy the inviting covered front porch, attached garage, and all that the Riverside community has to offer. Neighborhood amenities include a community pool, clubhouse, fitness center, playground, basketball court, waterfront community dock and fishing access on Mill Bayou, along with a walking path through the community. ## Location - **Address:** 3903 Indian Springs Road, Panama City, FL 32404 - **County:** Bay - **Neighborhood:** Riverside Phase III - **Coordinates:** 30.229915, -85.598567 - **Google Maps:** https://www.google.com/maps?q=30.229915,-85.598567 ## Listing Agent - **Name:** Allie Swinney - **Brokerage:** Horsley Real Estate Group - **Broker Phone:** (850) 832-3503 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/3903-Indian-Springs-Rd_Panama-City_FL_32404_M51424-89256?f=listhub&s=BCARFL&m=795570&c=propsimple) ## Photos ![3903 Indian Springs Road - Photo 1](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f1012295459r.jpg) ![3903 Indian Springs Road - Photo 2](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f182472046r.jpg) ![3903 Indian Springs Road - Photo 3](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f3569584594r.jpg) ![3903 Indian Springs Road - Photo 4](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f4255259433r.jpg) ![3903 Indian Springs Road - Photo 5](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f1828154983r.jpg) ![3903 Indian Springs Road - Photo 6](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f2086230516r.jpg) ![3903 Indian Springs Road - Photo 7](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f3767310816r.jpg) ![3903 Indian Springs Road - Photo 8](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f2076681751r.jpg) ![3903 Indian Springs Road - Photo 9](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f1136818368r.jpg) ![3903 Indian Springs Road - Photo 10](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f1181197161r.jpg) ![3903 Indian Springs Road - Photo 11](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f1244024884r.jpg) ![3903 Indian Springs Road - Photo 12](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f935890629r.jpg) ![3903 Indian Springs Road - Photo 13](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f3151352202r.jpg) ![3903 Indian Springs Road - Photo 14](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f2675371693r.jpg) ![3903 Indian Springs Road - Photo 15](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f3434424105r.jpg) ![3903 Indian Springs Road - Photo 16](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f3202344178r.jpg) ![3903 Indian Springs Road - Photo 17](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f3909751875r.jpg) ![3903 Indian Springs Road - Photo 18](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f1236633307r.jpg) ![3903 Indian Springs Road - Photo 19](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f1345876209r.jpg) ![3903 Indian Springs Road - Photo 20](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f2479343201r.jpg) ![3903 Indian Springs Road - Photo 21](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f214412886r.jpg) ![3903 Indian Springs Road - Photo 22](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f4280779463r.jpg) ![3903 Indian Springs Road - Photo 23](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f82618653r.jpg) ![3903 Indian Springs Road - Photo 24](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f2060055331r.jpg) ![3903 Indian Springs Road - Photo 25](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f452061574r.jpg) ![3903 Indian Springs Road - Photo 26](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f3191937414r.jpg) ![3903 Indian Springs Road - Photo 27](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f876499652r.jpg) ![3903 Indian Springs Road - Photo 28](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f1433127924r.jpg) ![3903 Indian Springs Road - Photo 29](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f462010202r.jpg) ![3903 Indian Springs Road - Photo 30](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f151532241r.jpg) ![3903 Indian Springs Road - Photo 31](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f3187816335r.jpg) ![3903 Indian Springs Road - Photo 32](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f2387560060r.jpg) ![3903 Indian Springs Road - Photo 33](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f3261362139r.jpg) ![3903 Indian Springs Road - Photo 34](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f653826496r.jpg) ![3903 Indian Springs Road - Photo 35](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f478893809r.jpg) ![3903 Indian Springs Road - Photo 36](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f295942792r.jpg) ![3903 Indian Springs Road - Photo 37](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f3172762579r.jpg) ![3903 Indian Springs Road - Photo 38](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f213754249r.jpg) ![3903 Indian Springs Road - Photo 39](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f300469180r.jpg) ![3903 Indian Springs Road - Photo 40](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f3394491563r.jpg) ![3903 Indian Springs Road - Photo 41](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f1373286439r.jpg) ![3903 Indian Springs Road - Photo 42](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f2768120840r.jpg) ![3903 Indian Springs Road - Photo 43](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f1664025328r.jpg) ![3903 Indian Springs Road - Photo 44](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f159089506r.jpg) ![3903 Indian Springs Road - Photo 45](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f4083611482r.jpg) ![3903 Indian Springs Road - Photo 46](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f230889870r.jpg) ![3903 Indian Springs Road - Photo 47](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f1914398101r.jpg) ![3903 Indian Springs Road - Photo 48](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f5890226r.jpg) ![3903 Indian Springs Road - Photo 49](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f1157782886r.jpg) ![3903 Indian Springs Road - Photo 50](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f1248597748r.jpg) ![3903 Indian Springs Road - Photo 51](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f1619161140r.jpg) ![3903 Indian Springs Road - Photo 52](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f2749871308r.jpg) ![3903 Indian Springs Road - Photo 53](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f2568230868r.jpg) ![3903 Indian Springs Road - Photo 54](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f2104443197r.jpg) ![3903 Indian Springs Road - Photo 55](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f1166895288r.jpg) ![3903 Indian Springs Road - Photo 56](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f3390400760r.jpg) ![3903 Indian Springs Road - Photo 57](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f2446543432r.jpg) ![3903 Indian Springs Road - Photo 58](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f377386084r.jpg) ![3903 Indian Springs Road - Photo 59](http://lh.rdcpix.com/70d3dd4638b091b7a4245e0e3b3f7effl-f4101670899r.jpg) --- **MLS#:** 795570 | **Updated:** 2026-10-25 **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/3903-indian-springs-road-panama-city-fl-32404-86dad7be1a754f7f8a0fc61cf9df3768) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://staging.propertysimple.ai/listing/3903-indian-springs-road-panama-city-fl-32404-86dad7be1a754f7f8a0fc61cf9df3768#listing", "url": "https://staging.propertysimple.ai/listing/3903-indian-springs-road-panama-city-fl-32404-86dad7be1a754f7f8a0fc61cf9df3768", "name": "3903 Indian Springs Road, Panama City, FL 32404", "description": "Welcome to this charming 3-bedroom 2.5 bath craftsman style home located in the Riverside community of Panama City! With a thoughtfully designed two story floor plan, this home offers plenty of space for both everyday living and entertaining. 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