Treasure Cove Homes for Sale

Living in Treasure Cove

Bay County's parcel roll maps 417 features whose legal description begins Treasure Cove. They resolve to 392 distinct parcel identifiers: 243 single family, 57 condominium units, 46 small multifamily, 19 vacant, four common-area parcels and 23 in commercial or other classes. Seventeen identifiers are drawn in more than one piece, 42 map features in all, and each repeated piece has its own outline. The legal wording splits the 392 into three bodies: 238 plain Treasure Cove parcels in the middle of the area, 96 marked Unit 2 to their north along Pine Drive, Beech Street, Causeway Road, Oakwood Street and Elm Street, and 58 marked Condominium at 3600 Thomas Drive, about 2,100 feet south of the nearest plain lot.

The mailing town is Panama City Beach, ZIP 32408, yet the county's zoning layer puts all 392 parcels under Bay County's own districts, with no city label on any of them. By the district that holds most of each parcel, it maps 182 as R-3, 126 as R-1, 58 as R-5 and 26 as commercial; four parcels on Thomas Drive straddle a district line. The county code titles R-1 single-family, R-3 duplex, triplex and quadraplex, R-5 multi-family and C-3 general commercial. Unit 2 is R-1 apart from 15 parcels zoned C-3, most of them on Thomas Drive, the plain lots are mostly R-3, and the condominium is entirely R-5.

FEMA's flood maps, effective October 24, 2024, divide the area unevenly. Zone AE ground reaches 225 of the 392 identifiers: 160 of the 238 plain lots, all 58 condominium parcels and only 7 of the 96 in Unit 2. On Palm Court all 24 houses sit wholly inside the zone, while 32 of the 33 houses on Pine Drive have none of it. An earlier county copy of the flood layer draws less AE ground, 136 identifiers, so this page follows the FEMA layer; neither replaces an elevation determination on the address.

A nonprofit chartered June 1, 1984 and still active, the Treasure Cove Owners Association, lists 3600 Thomas Drive as its principal address in the state registry, the address the roll gives the condominium units. Sharing an address does not show which parcels its declaration binds or what it charges. A separate nonprofit for Unit 2, chartered June 25, 1984 as the Unit 2 owners' association with a Pine Drive address, was involuntarily dissolved on November 14, 1986. A registry name search on October 17, 2026 found no later entity for Unit 2, though one could exist under another name, so ask for the recorded declaration that covers the parcel in question.