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3937 Indian Springs Road, Panama City, FL 32404

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For Sale

$379,000

3 beds • 3 baths • 2,342 sqft

Estimated Payment

$ 2,279 /mo. †

6.76% APR for 30 yrs.
$3,727 in taxes
Change Loan Terms

  • Single Family Detached
    Property type

  • $161.83
    Price per square foot

  • 11-20 Years Old
    Age

  • Fireplace
    Heating System

Explore this Property

Welcome to the illustrious Riverside Community! If you love beautifully maintained landscapes and charming courtyards, this is the one! This contemporary gem offers a spacious and inviting atmosphere with elegant wooden floors and cozy fireplaces that greet you as you enter.Enjoy seamless living with an open floor plan that connects the kitchen, family room, and wet bar, making it perfect for entertaining. The kitchen is a chef's delight with a large island cooktop, ample cabinets, generous counter space, and a convenient breakfast bar.The master suite serves as a serene retreat with two separate closets and a cozy sitting area that can be closed off with French doors. Natural light fills the home, highlighted by stylish plantation blinds. The master bathroom features a double sink vanity, a separate shower, and a luxurious jacuzzi tub.Relax or entertain on the covered front porch overlooking the peaceful courtyard, or host gatherings in the fenced backyard with its brick-paved patio, ideal for BBQs.With access to resort-like amenities which include a large swimming pool, a state-of-the-art fitness center, a community center for events, two miles of nature trails and sidewalks, a pavilion with picnic tables, a basketball court, a playground, a game room with pool and ping pong tables, and a dock for fishing and small boats, you will never want to leave home!Additional features include an oversized two-car garage with an automatic opener, ensuring dry arrivals on rainy days. The garage leads to a laundry room with a deep sink and extra space for a freezer. All bedrooms come with custom closet organizers and ample storage.Enjoy the convenience of nearby shops, restaurants, Nature Walk Golf Course and being within walking distance of one Panama City's most desired schools, Bay Haven Charter Academy.Interior photos coming soon!
MLS# 768012

Courtesy Of Think Real Estate

(850) 270-4200

Property Features

  • Age
    11-20 Years Old
  • Appliances
    Cooktop, Dishwasher, Ice Maker, Oven, Range, Refrigerator, Washer
  • Architecture Style
    Contemporary
  • Exterior Type
    Vinyl Siding
  • Fireplace
    Fireplace
  • Heating System
    Fireplace
  • Lot Size
    0.21 Acres
  • Rooms
    Bonus Room, Dining Room, Family Room, Kitchen, Living Room

Map and Directions

Directions to 3937 Indian Springs Road, Panama City, FL 32404

Home seller CENTURY 21 Ryan Realty

Get to know the neighborhood. A local affiliated CENTURY 21 office will help you set up tours, give advice, and negotiate with sellers.

CENTURY 21 Ryan Realty

(850) 233-7926
Learn More About Us

Mortgage Calculator

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Monthly Payment Breakdown

  • Principle and Interest
    $1,969
  • Property Taxes
    $310
  • Hazard Insurance
    $0
  • Private Mortgage Insurance
    $0
  • HOA Dues
    $0
  • Total Monthly Payment:
    $2,279

Calculators provided for estimating purposes only. Consult with your lender to determine precise payment requirements.

Schools

Deer Point Elementary School

Grades KG-5 Public School

Panama City, FL 32404 1.9 miles
4800 highway 2321

562 total students
15:1 Student teacher ratio

School Rating: C

School Details

Merritt Brown Middle School

Grades 6-8 Public School

Panama City, FL 32404 2.2 miles
5044 merritt brown way

621 total students
15:1 Student teacher ratio

School Rating: C-

School Details

A Crawford Mosley High School

Grades 9-12 Public School

Lynn Haven, FL 32444 3.2 miles
501 mosley dr

1784 total students
23:1 Student teacher ratio

School Rating: B

School Details
Other Nearby Schools Distance Type Grades School Rating
North Bay Haven Charter Academy Middle School 0.4 miles Public 6-8 A-
North Bay Haven Career Academy 0.4 miles Public 9-12 A
North Bay Haven Charter Academy Elementary School 0.4 miles Public KG-5 A
Tommy Smith Elementary School 2.1 miles Public PK-5 C
Bay Haven Charter Middle School 2.2 miles Public 6-8 B
Bay Haven Charter Academy 2.2 miles Public KG-5 B
Hiland Park Elementary School 2.7 miles Public KG-5 D
New Horizons Learning Center 3.3 miles Public 6-12
The Northwest Florida Academy 3.4 miles Private 1-11
Lynn Haven Elementary School 3.5 miles Public PK-5 B-
Mowat Middle School 3.6 miles Public 6-8 C+
Cedar Grove Elementary School 4.2 miles Public PK-5 F
Rutherford High School 4.5 miles Public 6-12 D+
Panama City Advanced School 4.7 miles Private PK-12
Kaleidoscope School Of Discovery 4.7 miles Private KG-12
Southport Elementary School 4.9 miles Public PK-5 B-
Rosenwald High School 5.2 miles Public 6-12 F

North Bay Haven Charter Academy Middle School

Distance: 0.4 miles

Type Public

Grades: 6-8

A-

North Bay Haven Career Academy

Distance: 0.4 miles

Type Public

Grades: 9-12

A

North Bay Haven Charter Academy Elementary School

Distance: 0.4 miles

Type Public

Grades: KG-5

A

Tommy Smith Elementary School

Distance: 2.1 miles

Type Public

Grades: PK-5

C

Bay Haven Charter Middle School

Distance: 2.2 miles

Type Public

Grades: 6-8

B

Bay Haven Charter Academy

Distance: 2.2 miles

Type Public

Grades: KG-5

B

Hiland Park Elementary School

Distance: 2.7 miles

Type Public

Grades: KG-5

D

New Horizons Learning Center

Distance: 3.3 miles

Type Public

Grades: 6-12

The Northwest Florida Academy

Distance: 3.4 miles

Type Private

Grades: 1-11

Lynn Haven Elementary School

Distance: 3.5 miles

Type Public

Grades: PK-5

B-

Mowat Middle School

Distance: 3.6 miles

Type Public

Grades: 6-8

C+

Cedar Grove Elementary School

Distance: 4.2 miles

Type Public

Grades: PK-5

F

Rutherford High School

Distance: 4.5 miles

Type Public

Grades: 6-12

D+

Panama City Advanced School

Distance: 4.7 miles

Type Private

Grades: PK-12

Kaleidoscope School Of Discovery

Distance: 4.7 miles

Type Private

Grades: KG-12

Southport Elementary School

Distance: 4.9 miles

Type Public

Grades: PK-5

B-

Rosenwald High School

Distance: 5.2 miles

Type Public

Grades: 6-12

F

School information does not guarantee enrollment. School service boundaries are provided as a reference only, may change, and are not guaranteed to be accurate. Contact the school district directly to verify school enrollment eligibility.

Local area information for Panama City, FL 32404

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Panama City, FL 32404

This community’s employment is highest in the sales and food industries. The area’s overall household expenses are below the national average.

90° July
Hottest Average Month
42° January
Coldest Average Month
15,408 Total Households in Area
7.5% Increase in population since the year 2010
34.3%
of households
have children
28 minutes
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Demographic facts
for Panama City, FL 32404

Panama City, FL 32404 has a population of 40,551 people in 15,408 households with a median age of 40.2 years old.

7.5%
Increase in population
since the year 2010
Population is Trending up
13,605
Total households as of 2010
9.7%
projected percent change in total
households in 5 years

Community Population By Age

The median age for this area is 40.2 years old. The smallest percentage group is 55-64 years and the largest percentage is the 85+ years age range.

Community Population By Ethnicity

White 70%
Black 13%
Hispanic 8%
Other 3%
Asian 3%
Native American <1%
The most prevalent ethnicity is White at 70%, followed by Black at 13%, Hispanic at 8%, and Other at 3%.

Economics
for Panama City, FL 32404

146 /sq mi
Population Density
$66,339 /yr
Median Household Income
$281,400
Median Sales Price
28 min
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Household by Income

Out of the households in this area, the largest income group is $50-74,999k representing 21.4% of the households.

Transportation to Work

  • Drive 92%
  • Work from Home 6%
  • Walk or Bike 2%
  • Public Transit 0%

Occupancy by Type

Owned 11,540 62%
Rented 3,869 21%
Vacant 3,105 17%

White vs Blue Collar Jobs







White Collar 69%
Blue Collar 31%

Family & Education Facts
for Panama City, FL 32404

40.2 Median Age

Average Household Size

2.5
persons per
household

56.7%

Married Households

Community Population By Education

High School Graduate 28%
Some College 27%
Some High School 14%
Associates Degree 13%
Bachelors Degree 12%
Graduate Degree 7%
Of the total people surveyed, the most prevalent educational attainment level is High School Graduate, representing 28.35% of the population.

Household Family Expenses vs National Average

This location’s average annual expenditures compared to the national average. Index score (100=National Average)
34.3% of households have children

Weather
for Panama City, FL 32404

The weather for this area ranges from a high of 90° F in July to a low of 42° F in January

90° July
Hottest Average Month
42° January
Coldest Average Month

Average Temperature by Month

Low (°F)
High (°F)
Jan
42°
63°
Feb
44°
65°
Mar
50°
71°
Apr
56°
77°
May
64°
84°
Jun
71°
89°
Jul
73°
90°
Aug
73°
90°
Sep
69°
87°
Oct
59°
80°
Nov
50°
72°
Dec
44°
65°

Average Temperature in Degrees Fahrenheit

Precipitation

Precipitation (inch)

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Copyright © 2025 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. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Data powered by Attom Data Solutions. Copyright© 2025. Information deemed reliable but not guaranteed.

This information is provided for general informational purposes only and should not be relied on in making any home-buying decisions. School information does not guarantee enrollment. Contact a local real estate professional or the school district(s) for current information on schools. This information is not intended for use in determining a person's eligibility to attend a school or to use or benefit from other city, town or local services.

† Based on a 30-year fixed rate of 3.38% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for our best qualified customers. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

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