3903 Indian Springs Road, Panama City, FL 32404 (MLS# 795570)


$399,000
3903 Indian Springs Road
Panama City, FL 32404
MLS# 795570
3 beds  |  3 baths  |  2119 sqft


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Property 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.

Details
Maps
General Property Info
Acreage: 0.13
Design: Craftsman Style
Lot Size (SqFt): 5663
Apx SqFt(Htd/Cooled): 2119
Immediate Occupancy: Yes
Construction Status: Construction Complete
SqFt Source: Builders Plans
Half Baths: 1
# of Stories in Building: 2
Accessory Dwelling Unit: No
Lot Dimensions: 50x117
New Construction: Yes
Garage Y/N: Yes
Garage Spaces: 2
Pool: Yes
Pool Type: Community
Sub-Type: Detached Single Family
Bedrooms: 3
Full Baths: 2
Total Baths: 3
Year Built: 2026
Contract Info
List Price/SqFt: 188.3
Status: Active
List Date: 2026-09-18
List Price: $399,000
Current Price: $399,000
Location
Sub Area: 0201 - Bay - Central NE
Community/Resort: None
Waterfront: No
Elementary School: Deer Point
Middle School: Merritt Brown
High School: Mosley
Directions: Go north on highway 231. Take a left on Cato Rd. Indian Springs Rd will be on your left. Go to the end of the street the home is on the right
Area: 02 - Bay County - Central
Street #: 3903
Street Name: Indian Springs
Street Suffix: Road
State: FL
Zip Code: 32404
County: Bay
Subdivision: Riverside Phase III
Parcel ID: 11476-120-530
Legal Description: RIVERSIDE PHASE III LOT 80 ORB 418 P 4004 ORB 2202 P 1159 ORB 2356 P 1158 ORB 2493 P 983
Listing Info, Tax and Legal
HOA Fee: Yes
HOA Amount: 132
HOA Frequency: Monthly
HOA Annual Amount: 1584
New Buyer Fee: Yes
New Buyer Fee Amt: 1800
Last Taxes: 737.48
Last Tax Year: 2025
Brokerage Interest: Familial Interest - Listing Broker/Licensee related to owner.
Remarks & Misc
Remarks: 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.
Pool Features
Inground: 1
Pool House: 1
Appliances
Dishwasher: 1
Microwave: 1
Range - Electric: 1
Refrigerator: 1
Water Heater - Electric: 1
Construction/Siding
Brick: 1
Siding - Hardie Board: 1
Association Fees Include
Accounting: 1
Dock: 1
Exercise Room: 1
Fishing: 1
Pavilion/Gazebo: 1
Playground: 1
Pool: 1
Recreational Faclty: 1
Financing
Cash: 1
Conventional: 1
FHA: 1
VA: 1
Furnished
Unfurnished: 1
Lot Features
Dead End: 1
Survey Available: 1
Lot Access
Paved Road: 1
Private Road: 1
Association Amenities
Basketball Court: 1
Community Room: 1
Exercise Room: 1
Playground: 1
Pool: 1
Rooms
Bedroom: 1
Primary Bedroom: 1
Utilities
Public Sewer - Connected: 1
Public Water - Connected: 1
Underground Utilities: 1
Primary Bedroom
First: 1
Bedroom
Second: 1
Cooling
Ceiling Fan(s): 1
Central Air: 1
Heating
Central: 1
Primary Bdrm/Primary Bath
MBath Double Vanity: 1
MBath Shower Only: 1
MBath Walk-In Closet: 1
MBed First Floor: 1
Property Features
Appliances: Dishwasher; Microwave; Range - Electric; Refrigerator; Water Heater - Electric
Primary Bedroom: First
Bedroom: Second
Cooling: Ceiling Fan(s); Central Air
Heating: Central
Association Fees Include: Accounting; Dock; Fishing; Exercise Room; Pavilion/Gazebo; Playground; Pool; Recreational Faclty
Financing: Cash; Conventional; FHA; VA
Furnished: Unfurnished
Lot Features: Dead End; Survey Available
Lot Access: Paved Road; Private Road
Pool Features: Inground; Pool House
Association Amenities: Basketball Court; Community Room; Exercise Room; Playground; Pool
Rooms: Bedroom; Primary Bedroom
Utilities: Public Sewer - Connected; Public Water - Connected; Underground Utilities
Room Information
Room Name Level Dimensions Length Width
Primary BedroomFirst16 x 1416.0014.00
BedroomSecond9 x 129.0012.00
BedroomSecond9 x 129.0012.00

Listing Office: Horsley Real Estate Group

Last Updated: September - 18 - 2026

Information deemed reliable but not guaranteed.