3 MARLIN STREET, PANACEA, FL, 32346
Active23 days on marketListed Jul 13, 2026MLS #O6424714
About this home
3 MARLIN STREET
This rare coastal corner lot lands you in true Old Florida charm in the Gulf! Looking to explore a truly serene beachfront property in the Florida Panhandle? Imagine pristine beaches, quiet waters, and Old Florida charm creating a peaceful escape. Picture your own untouched corner lot at Marlin Street and Bald Point Road, with brilliant sunrises and breathtaking sunset skies. Instead of crowded, commercial beaches, you launch your kayak or paddleboard from the shoreline, reel in your catch of the day, and wander quiet, soft sand beaches in pure Old Florida calm. Bald Point State Park is across this rare lot with 4,000 acres of trails, wildlife, and coastal magic. Surrounding you with protected beauty in three directions. Imagine soft sand crunching beneath your feet as you beach comb, birdwatch, or build sandcastles along the Gulf’s soothing shoreline, feeling a warm sea breeze on your skin and enjoying an endlessly active outdoor life that feels like an escape every day. And because this is land in personal income tax-free Florida, your coastal escape is more than a lifestyle upgrade; it’s a strategic investment for you and your future. If you’re ready for your own slice of paradise on the Gulf, this corner lot is waiting for you and yours!
Facts & features
The home at a glance
0.16 ac
Lot size
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$836 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$836/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside Panacea
Get to know Panacea. See the full Panacea guide →
PANACEA 32346 — neighborhood snapshot
Population
2,393
Median age
55.8
Median income
$58,382
Median home value
$233,500
Avg household
2.49
Households w/ children
185
For the school run
Franklin County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Panacea market
$605K → $605K
Panacea median sold, yr/yr
This home is listed 81% below the PANACEA 32346 median. See the full Panacea market guide →
Paper trail
This home's history
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Erwin Vazquez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3 MARLIN STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3 MARLIN STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Erwin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3 MARLIN STREET FAQs
What would the monthly payment be for 3 MARLIN STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $836/mo — principal and interest, the actual property-tax bill, the $4/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 3 MARLIN STREET?+
The association fee works out to $4 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3 MARLIN STREET?+
The most recent tax bill on record (2024) was $695. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 3 MARLIN STREET?+
The listing reports pets: No. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Panacea?+
At $97,000, this home is listed about 84% below the Panacea median of $599,900. The market section on this page shows how the area is trending.
Which schools are assigned to 3 MARLIN STREET?+
Franklin County School () — Franklin County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of BEYCOME OF FLORIDA LLC · Steven Koleno. MLS #O6424714.
IDX information is provided exclusively 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 is deemed reliable but is not guaranteed accurate by Stellar MLS.
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