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Picture this: it's 7 a.m., coffee in hand, and you're strolling across the street to watch the sun come up over the Grand Lagoon. Your boat is in the water from the public ramp one block away before the charter crowd wakes up. By lunch you're toes-in-the-sand at Gulf beach access #11, about half a mile from your door. By sunset you're on the deck at Schooners, about 1.5 miles away. And while you're living the dream, two homes are quietly working for you.

That's what 3707 Mystic Street is: a beach lifestyle that pays its own way. This duplex lives like two separate homes, with two private entries, two separate parking areas and each unit's own patio, so neighbors and guests never feel like they're sharing. Mystic Surf (Unit A) is the guest favorite, with three king bedrooms plus a twin and trundle that sleep eight, surf murals in every bedroom, a kitchen big enough for the whole crew, a cozy electric fireplace and a storage shed for the kayaks and paddleboards. Mystic Sun (Unit B) is the hideaway, with two king suites, a full kitchen, a real wood-burning fireplace for those cool December nights and its own shed.

For the second-home buyer, this is the beach house that doesn't sit empty. Keep one side as your private getaway, with its own entry, parking and patio. Rent the other side to guests and let them help cover your costs. Come down whenever you want, lock the door when you leave, and let the income keep rolling in.

For the investor, this is two income streams on one turnkey property that's already operating as a vacation rental. There's no HOA and nothing to fix, short-term rentals are allowed, and you have the flexibility to run each unit however the market tells you to.

For the buyer hunting for multifamily close to the beach, this is the one that's hard to find. Small multifamily properties this close to both the Gulf and the lagoon rarely come up, especially with true separation between units, a corner lot and room to grow. There's space for boat parking, so your boat lives right at home one block from the ramp. There's also room to add a hot tub, the kind of upgrade guests search for and happily pay more for.

Everything worth doing is close. The Grand Lagoon marinas and charter fleets are 1 to 2 miles away. The trails and snorkeling at St. Andrews State Park are about 2 miles away. A cold one at Buster's Beer & Bait is an easy walk, and Pier Park is roughly 9 miles away.

Now let's talk numbers. Both units have produced 2026 - $74,996 Gross and 2025 - $73,356 Gross

There's no HOA fee eating into your returns, and both units are already up and running, so there's no setup period and no waiting for your first booking. Keep both on the short-term market for maximum income, or put one side on a mid- or long-term lease for steady, predictable cash flow. Adding a hot tub or capturing boat-friendly guests could push those numbers even higher.

Panama City Beach

3707 Mystic Street A-B

5 Beds

2 Baths

2,269 Sq.Ft.

$599,900

MLS#: 796274

This rare 5BR corner penthouse at Marina Landing surrounds you with light, water and an extraordinary 330-degree panorama of St. Andrews Bay. Floor-to-ceiling windows and sliding glass doors bring the view into nearly every room, while the expansive wraparound balcony extends the living space outdoors with room to dine, entertain, relax and take in the changing scenery from sunrise to sunset. From the Hathaway Bridge and marina to the beach and Gulf in the distance, the views stretch in every direction.

Inside, the condo is every bit as polished as its setting. Double doors open to an elegant foyer, leading into beautifully updated interiors with elevated ceilings, and beautiful flooring throughout creating a sophisticated yet comfortable aesthetic. Natural light fills the residence throughout the day, while the family room's fireplace, generous dining area and walls of glass create spaces that feel equally inviting for quiet days or entertaining. Tastefully furnished and thoughtfully finished, this is a home where the major decisions have already been made - you can simply move in and enjoy it.

The modern kitchen pairs crisp white cabinetry with abundant storage, a pantry, stainless appliances, subway tile backspace, a tray ceiling and a separate island for prep. A long shiplap-topped bar seats six, creating a natural gathering point while maintaining the kitchen's spacious, open feel. The result is a kitchen that looks as good as it functions, whether you're preparing dinner for two or hosting a crowd.

The bedroom layout offers an exceptional level of comfort and privacy, with two waterfront primary suites and three additional guest bedrooms. Both primary suites open directly to the water views, giving you the pleasure of waking to the sunrise, while their spacious bathrooms feature large walk-in showers and tubs. Two of the guest bedrooms have private baths of their own, and all of the secondary bathrooms feature glass walk-in showers. A large separate laundry room with extensive cabinetry provides generous storage and keeps everyday necessities neatly out of sight.

Outside, the wraparound balcony is a destination in its own right. A covered patio creates a comfortable outdoor living area, complemented by an outdoor kitchen space and grill. With so much room to spread out, you can follow the sun throughout the day, dine overlooking the bay or simply settle in and let the view do the rest.

Marina Landing offers a more private waterfront setting on the east end of Panama City Beach, close to the beach without putting you in the middle of its busiest stretches. Owners enjoy a waterfront pool and hot tub, fitness center, conference room and covered parking, while the marina next door offers boat slips available to purchase or rent.

For those looking for a beautifully finished Panama City Beach home with exceptional views, generous indoor and outdoor living space and amenities that complement the lifestyle, this penthouse offers something increasingly difficult to find: a residence that already feels complete. Beautiful, comfortable and ready to enjoy, it lets you spend your time living here rather than planning what comes next.

Panama City Beach

6422 W Highway 98 1505

5 Beds

4 Baths

3,475 Sq.Ft.

$1,190,000

MLS#: 796298

DeFuniak Springs

600 Squirrel Road

4 Beds

2 Baths

1,773 Sq.Ft.

$330,000

MLS#: 1013308

This 2,819-square-foot, 4 BR, 3 BA brick home features an elegant, open, flowing floor plan with 12-foot ceilings and natural light that enhances each room with grace and beauty. It compares favorably with homes priced much higher. The spacious primary bedroom suite is magnificent, with tray ceilings, walk-in closets, a double vanity, a large walk-in shower, and a Jacuzzi tub. The foyer, living room, dining room, eat-in kitchen (granite countertops), and family room (fireplace and built-ins) are well proportioned and perfectly positioned, creating an exceptional entertaining environment.
The screened-in porch is accessible from the primary bedroom, living room, kitchen, and family room. It overlooks a secluded backyard featuring a patio, surrounding gardens, and a garden shed. The home also includes a two-car garage, a whole-house vacuum system, and lawn irrigation.
Upgrades include: 2023 new roof, exterior paint (stucco and garage doors 2025, 6-inch gutters with leaf guard 2025, personally designed, artful garden shed 2024, extensive landscaping, tree removal, and trimming.

Pensacola

5015 Skylark Court

4 Beds

3 Baths

2,819 Sq.Ft.

$524,900

MLS#: 1013298

Beautifully positioned on the 3rd floor southwest facing, this 1 bedroom, 2 bathroom fully furnished luxury condo overlooks the lazy river and green space of the benchmark newest development in Miramar Beach, The Grove. positioned minutes from the sugar white beaches of the Emerald Coast, this condo is the perfect opportunity for you to capitalize on the first phase of this amazing new development. Seascape Resort rests within 300 acres of golf course, tennis, Pickleball and swimming. With a deeded beach access, The Gore is the perfect place for you to capture both rental revenue and family memories for years to come.

Miramar Beach

319 N The Grove Drive 236

1 Beds

2 Baths

955 Sq.Ft.

$565,000

MLS#: 1013286

Panama City

7327 John Levitow Lane

4 Beds

2 Baths

1,504 Sq.Ft.

$264,900

MLS#: 796292

Santa Rosa Beach

156 Savelle Drive

4 Beds

4 Baths

2,520 Sq.Ft.

$2,100,000

MLS#: 1013378

BUILD YOUR DREAM HOME ON THIS .51 ACRE LOT IN THE STUNNING WATERFRONT COMMUNITY, STEAMBOAT LANDING IN HAMMOCK BAY. Bayside living at its finest! This lot backs up to a wooded section of preserve. W/ easy access to stroll the boardwalk to the new clubhouse on the bay. Steamboat Landing includes a 500 ft long dock jutting westward into Choctawhatchee Bay - to view those stunning sunsets! Also, enjoy an abundance of stately, twisted oak trees, along with all of the great amenities of Hammock Bay: pools, clubhouses, sports complex, dog parks, sidewalks and nature trails. A new bayfront clubhouse is nearing completion. All of this within 20 minutes of the fabulous white-sand beaches and emerald green waters of So Walton.
There is NO build out time and we can assist you when you are ready .

Freeport

Lot 104 W Perseveran East Point

None Beds

None Baths

0.51 acres

$334,600

MLS#: 1013360

Life waterfront is truly lived deep in the Cove on Bunkers Cove Road. This fully-renovated, single-level, four-bedroom, three-bath waterfront home with NO HOA sits back from the road on a one-acre homesite shaded by mature oaks and magnolias. With 153 feet of waterfront, it offers pure bay views that will take your breath away at 20' elevation.

Enjoy a Florida room with vaulted ceilings and 180-degree bay views. Slide the glass doors open and and step into an oasis. All built in 2024, swim in the saltwater, heated pool, lounge on the sun shelf, or unwind in the built-in spa while you entertain year-round. The covered cabana was designed specifically with gatherings in mind and offers a gas fireplace and Coyote outdoor kitchen appliances and features consistent limestone flooring continuing on from the pool deck and patio. Even with a pool and summer kitchen, this back yard still lives big! Fenced in, plenty of privacy and room to play. Stroll down to the dock, where you've got deep water, with pilings existing and prepped for a boat lift with water and 50-amp power already in place. From home, you're minutes by boat from the open Gulf pass and Shell Island with no idle speed zones in between.

Just over 3,200 square feet, inside, three of the four bedrooms wake up to pure bay views, including the waterfront primary suite, your own private sanctuary. Large enough for a sitting area overlooking the pool and Bay and includes a deep, walk-in closet. Its oversized bath is flooded with natural light and features double vanities with incredible counter space, a walk-in tiled shower, a free-standing soaking tub, a separate water closet, a linen closet, and ample storage. Two large, waterfront guest bedrooms are accessible from the hallway and a guest bath offers a tiled, shower-tub combo, beautiful tiled floors and a large double vanity. The fourth bedroom is located on the opposite side of the home and features an en suite bath with Carrera marble flooring and a deep turquoise tiled shower.

As you step through the front door, your eyes are drawn directly to the waterfront with glass spanning the back of the home. The open concept was well-designed and the heart of the home is this stunning kitchen, made for gathering, with GE Café appliances, quartz countertops, a zellige tile backsplash, and a walnut island. Linger over breakfast at the built-in walnut banquette, or settle in by the fireplace beneath the vaulted living room ceilings. Custom millwork and modern coastal shiplap ceilings and walls bring warmth and character to the great room, kitchen, and Florida room. Just off the kitchen is a large laundry room with sink, a built-in mudroom nook off the carport. This home offers consistent LVP flooring throughout every inch of this home is in immaculate condition.

Outside the carport is a separate, 300 square foot heated and cooled space with mini-split and is ready to become your home gym, office, workshop, or climate controlled storage. Peace of mind is built in this home. The home was gutted to the studs in 2022, with all plumbing and electrical replaced. It also offers concrete block construction, a hidden safe room inside the home, a 2019 roof, impact hurricane-rated windows, and a whole-home generator. At 20' elevation and X flood zone, it makes this a rare find on the water sitting high above the others. A deep water well with sprinkler system irrigates the lawn.

Bunkers Cove Road is a street that people wait their entire lives to live on. It's a rare waterfront homesite offering one full acre of pure bay views and sits across the street from a city-maintained community park offers swings, a playground, benches, and a walking path. The Cove neighborhood is golf cart friendly, and Historic Downtown shopping and dining are minutes away. This location. This waterfront. Your legacy.

Special financing incentives available on this property from SIRVA Mortgage.

Panama City

720 Bunkers Cove Road

4 Beds

3 Baths

3,233 Sq.Ft.

$1,899,000

MLS#: 796269

This home is sure to charm you! It offers 1717 sq ft of living space with 3 bedrooms and 2 bathrooms. It comes fully bricked, sodded, landscaped and with irrigation. It has craftsman style looks with a covered front and back porch! Inside you'll see a formal dining room that leads to the spacious kitchen overlooking the large family room. Laundry is conveniently located as you come in from the garage. The master bedroom has its own ensuite with double vanities and a 5' shower in lieu of tub. All cabinetry is solid wood and countertops are granite/quartz.This home comes with a 10 yr Bonded Builders warranty. The community has a beautiful pool for all to enjoy. The neighbor is well lit and has sidewalks. Shopping and dining are abundant.

Crestview

192 Ridgeway Circle

3 Beds

2 Baths

1,717 Sq.Ft.

$282,852

MLS#: 988003

Navarre

2030 Wiregrass Street

4 Beds

2 Baths

2,296 Sq.Ft.

$474,900

MLS#: 1013341

Navarre

2034 Wiregrass Street

5 Beds

3 Baths

2,043 Sq.Ft.

$459,900

MLS#: 1013339

Destin

2740 Scenic Highway 98 10

6 Beds

6 Baths

3,553 Sq.Ft.

$3,895,000

MLS#: 1013326

Freeport

0 Old Jolly Bay Road

None Beds

None Baths

0.6 acres

$125,000

MLS#: 796296

DeFuniak Springs

2008 Juniper Lake Road

3 Beds

2 Baths

1,146 Sq.Ft.

$150,000

MLS#: 1004267

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* Listings identified with the FMLS IDX logo come from FMLS and are held by brokerage firms other than the owner of this website. The listing brokerage is identified in any listing details. Information is deemed reliable but is not guaranteed. If you believe any FMLS listing contains material that infringes your copyrighted work please review our DMCA policy and learn how to submit a takedown request. © 2024. First Multiple Listing Service, Inc.

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