3915 Indian Springs Road, Panama City, FL 32404 (MLS# 791568)

Acreage: 0.21

Design: Craftsman Style

Lot Size (SqFt): 9100

Apx SqFt(Htd/Cooled): 2656

Immediate Occupancy: No

Construction Status: Construction Complete

SqFt Source: Builders Plans

Half Baths: 1

# of Stories in Building: 2

Pre-Const Flip: No

Lot Dimensions: 50x182

New Construction: No

Garage Y/N: Yes

Garage Spaces: 2

Pool: Yes

Pool Type: Community

Sub-Type: Detached Single Family

Bedrooms: 4

Full Baths: 2

Total Baths: 3

Year Built: 2021

List Price/SqFt: 158.09

Status: Active

List Date: 2026-06-18

List Price: $419,900

Current Price: $419,900

Sub Area: 0201 - Bay - Central NE

Community/Resort: None

Waterfront: No

Elementary School: Deer Point

Middle School: Merritt Brown

High School: Mosley

Directions: Hwy 231 N to Hwy 390, left on Cato Rd, right on Indian Springs Rd, property on right. Look for sign.

Area: 02 - Bay County - Central

Street #: 3915

Street Name: Indian Springs

Street Suffix: Road

State: FL

Zip Code: 32404

County: Bay

Subdivision: Riverside Phase III

Parcel ID: 11476-120-470

Legal Description: RIVERSIDE PHASE III LOT 74 ORB 418 P 4004 ORB 2202 P 1159 ORB 2356 P 1158 ORB 4454 P 302

Homestead: Yes

HOA Fee: Yes

HOA Amount: 132

HOA Frequency: Monthly

HOA Annual Amount: 1584

Senior Community: No

Is Subject Leased: No

New Buyer Fee: Yes

New Buyer Fee Amt: 1800

New Buyer Fee Paid: $

Last Taxes: 3765

Last Tax Year: 2025

Brokerage Interest: No Interest

As Is: Yes

Condo Doc: No

Remarks: 2.875% Assumable VA Loan! This home features an assumable VA loan with an approximate balance of $275,000 at an attractive 2.875% interest rate (subject to lender approval and VA assumption requirements). Custom home built by Ben Wortman Welcome to 3915 Indian Springs Road in the highly desirable Riverside community of Panama City! Built in 2021, this spacious 4-bedroom + bonus room with a closet, 2.5-bath, home offers over 2,600 square feet of thoughtfully designed living space with modern finishes, open-concept living, and plenty of room for entertaining. Step inside to discover a bright and inviting floor plan featuring a large living area, high ceilings, abundant natural light, and a beautifully designed kitchen complete with granite countertops, stainless steel appliances, a large island, and ample cabinet space. The oversized primary suite provides a relaxing retreat with a spacious ensuite bath, double vanities, soaking tub, separate shower, and generous walk-in closet. Upstairs offers additional living flexibility with spacious guest bedrooms and a versatile loft area perfect for a second living room, office, playroom, or media space. The backyard provides plenty of room for outdoor entertaining and pets. Located in the sought-after Riverside subdivision, residents enjoy convenient access to schools, shopping, dining, Tyndall Air Force Base, and all that Panama City has to offer. This move-in ready home combines modern construction, energy efficiency, and functional living in one of the area's fastest-growing communities. Why People Choose Riverside: Schools: Sits directly across from North Bay Haven Charter Academy a K-12 school in Bay County. Amenities: Features over 2 miles of paved walking trails, community pool, fitness center, waterfront community docks, a clubhouse, playground, and a basketball court. Vibe: Known for its lush greenery, mature oak trees draped in Spanish moss, and a quiet, tight-knit neighborhood atmosphere. Schedule your showing today!

Second: 1

First: 1

Second: 1

Inground: 1

Dishwasher: 1

Disposal: 1

Microwave: 1

Oven - Electric: 1

Range - Electric: 1

Refrigerator: 1

Water Heater - Electric: 1

Breakfast Bar: 1

Ceiling - Coffered: 1

Floor - Vinyl: 1

Kitchen Island: 1

Lighting - Recessed: 1

Foundation - Slab on Grade: 1

Wood/Frame: 1

Roof - Composite Shngl: 1

Siding - Hardie Board: 1

Trim - Vinyl: 1

Balcony: 1

Columns: 1

Double Pane Windows: 1

Sprinkler System: 1

Accounting: 1

Exercise Room: 1

Picnic Area: 1

Playground: 1

Pool: 1

Recreational Faclty: 1

Assume w/int: 1

Cash: 1

Conventional: 1

FHA: 1

VA: 1

Unfurnished: 1

Floor - Carpet: 1

First: 1

First: 1

Sidewalk: 1

Paved Road: 1

Private Road: 1

Driveway: 1

Garage Attached: 1

Garage Door Opener: 1

Resid Single Family: 1

Basketball Court: 1

Exercise Room: 1

Playground: 1

Pool: 1

Recreation Facilities: 1

Bedroom: 1

Bonus Room: 1

Dining Room: 1

Family Room: 1

Kitchen: 1

Living Room: 1

Primary Bedroom: 1

Electricity - Connected: 1

Sewer Available: 1

Public Water - Connected: 1

As Is: 1

First: 1

Second: 1

Ceiling Fan(s): 1

Central Air: 1

Electric: 1

ENERGY STAR Qualified Equipment: 1

Central: 1

Heat Pump: 1

MBath Double Vanity: 1

MBath Separate Shwr: 1

MBath Walk-In Closet: 1

MBed First Floor: 1

Carbon Monoxide Detector: 1

Fire Alarm: 1