3 Marlin St, photo 1
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Overview

0 baLand
TypeLand
HOA$50/yr
Lot6,969 sqft

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

3 Marlin St is a home in Southern Dunes Unit 1, Panacea. Flood zone VE - confirm flood insurance requirements with your lender. HOA runs $50 annually.

From the listing

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!

The essentials

On market
97 days
Annual tax
$695
HOA
$50/yr
Flood zone
VE
Lot
6,969 sqft
Type
Land

At a glance

Land
Waterfront
Canal Front
6,969 sqft lot
Lot size

Payment

Est. monthly payment
$616/mo
Down payment (20%)
$19,400
Property taxes
$58/mo
HOA
$50/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Land
Year Built
-
Lot
6,969 sqft
Cooling
-
Heating
-
Parking
-
Waterfront
Canal Front
Days on Market
97
Flood Zone VE
Annual Tax (2024)
$695
Parcel #
28-06S-01W-1051-0009-0780

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Southern Dunes Unit 1
County
Franklin
MLS Area
32346 - Panacea
Lot Size
6,969 sqft
HOA
$50/yr
Alligator Point St Teresa Association

Price history

Date
Event
Price
7/13/2026
Listed for sale
Source: Stellar MLS #O6424714
$97,000

Neighborhood

3 Marlin St
Panacea, FL, 32346 · 32346 - Panacea

Calculator

Est. monthly payment
$616/mo
Principal & interest$506
Property taxes$58
Insurance$49
HOA$4
Down payment20% · $19,400
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$97,000

Time on market

97 days

Monthly payment

About $616/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $695 annual tax bill, insurance, and the $50/yr HOA fee.

HOA fee

$50/yr

Managed by Alligator Point St Teresa Association.

Flood zone

Zone VE

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Have another question?

Brokered byBEYCOME OF FLORIDA LLCListing agent: Steven KolenoListing data from Stellar MLS, MLS# O6424714.

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