2020 Regal 38 XO

$459,000

Used

Boat in Panama City, FL 32401 US

builtBuilt in 2020
Year the boat was built
model

38 XO

Boat model
engine

3 Engines (3x Yamaha)

Engine type and count
length

38 feet

Overall boat length
fuel

Gas

Fuel type
material

Fiberglass/Reinforced

Hull material
Nominal Length
38ft
Length Overall
39.25ft
Beam
11.92ft
Max Draft
3.17ft
Drive Up Draft
2ft
Deadrise At Transom
18deg
Dry Weight
18000lb
Cruising Speed
26.07kn
Cabins
2
Heads
1
Fresh Water Tanks
55gal
Fuel Tanks
350gal
Holding Tanks
29gal
Windlass
electric-windlass
Hull Material
fiberglass
Hull Shape
modified-vee
Engine 1
Engine Make
Yamaha
Engine Model
F 300
Total Power
300hp
Engine Hours
451
Engine Type
outboard
Fuel Type
gasoline
Engine Year
2020
Propeller Material
stainless-steel
Engine 2
Engine Make
Yamaha
Engine Model
F 300
Total Power
300hp
Engine Hours
450
Engine Type
outboard
Fuel Type
gasoline
Engine Year
2020
Propeller Material
stainless-steel
Engine 3
Engine Make
Yamaha
Engine Model
F 300
Total Power
300hp
Engine Hours
444
Engine Type
outboard
Fuel Type
gasoline
Engine Year
2020
Propeller Material
stainless-steel
Cockpit Shower
Cockpit Cushions
Cockpit Table
Swimming Ladder
Underwater Lights
Walk Around
Electric Bilge Pump
Microwave Oven
Electric Head
Heating
Hot Water
Refrigerator
Battery Charger
Cockpit Speakers
Flat Screen Tv
Hard Top
Electronics and Navigation

- Twin 12" Garmin Touch Screen MFD

- Garmin Digital Sounder/Bottom Machine

- Garmin Radar

- Garmin GPS and Plotter

- Auto Pilot

- Sionyx Night Vision Camera, Professionally imstalled

- Garmin VHF

- Fusion MS-IP700i AM/FM stereo, satellite radio ready player with remote head units

- SeaKeeper 3 Gyro Stabilizer

- Ritchie Compass

- Lewmar Windlass and Anchor System

- Lewmar Bow Thruster

- Power Steering

- Trim Tabs with Indicator Display

Additional Features and Systems

- Convertible Window and Sliding Salon Door, to open the Cockpit to the Salon

- Electronic Convertible Sunroof in Salon

- Adjustable Bow Cushions for Lounging

- Salon TV, Conceals in the Hard Top when not in use

- Cockpit TV, Conceals in Hard Top when not in use

- Full Head / Bathroom with Shower and Freshwater Sink

- Sliding Doors to Separate Cabins from Salon

- King Size Bed Mid Ship Master Stateroom, Converts to Two Twin Beds

- Setting / Dressing Area in Master Stateroom

- Master Stateroom TV

- TV in Guest Stateroom and Queen Size Bed

- Three Air Conditioning Systems with Digital Controls

- Electronic Hatch in Cockpit to for Access to Additional Storage and Systems

- Garage Style Hatch on Transom for Access to " Pump Room" which houses Gen, Seakeeper and More

- Transom Storage with Glendinning Cable Controls

- Single Connection Outboard Freshwater Flush System on Transom

- Kenyon Electric Grill in Cockpit

- Stainless Refrigerator in Cockpit

- Stainless Slide Out Frig and Freezer in Galley

- Microwave and Overhead Storage in Galley

- Galley Two Burner Cook Top

- Galley Sink

- Concealed Trash Compartments in Galley and Cockpit 

- Swim Step with Boarding Ladder and Integrated Steps to the Cockpit

Disclaimer

The Company offers the details of this vessel in good faith but cannot guarantee or warrant the accuracy of this information nor warrant the condition of the vessel. A buyer should instruct his agents, or his surveyors, to investigate such details as the buyer desires validated. This vessel is offered subject to prior sale, price change, or withdrawal without notice.

Price History

DateEventPrice
3/27/26Price decreased$459,000(-3.4%)
2/24/26Price decreased$475,000(-0.8%)
1/29/26Initial price$479,000

Videos from Marine Group - Emerald Coast on this 2020 Regal 38 XO

Contact Marine Group - Emerald Coast

4851 Wharf Parkway, Suite D-224, P.O. Box 650, Orange Beach, AL, 36561

Boattest.com Review

Overview

The Regal 38XO is a versatile cruiser designed to excel both as a capable boat for extended cruising and as an outstanding entertainment platform. Featuring a single-level main deck with multiple social zones, the 38XO offers Regal's power of choice with options for stern drive or outboard propulsion, exemplified here with triple Yamaha 300 outboards. This model balances performance, comfort, and functionality to meet diverse boating needs.

Exterior Design and Deck Layout

At the stern, the 38XO is equipped with triple Yamaha 300 outboard engines, with the center engine featuring an extension to position the propeller below the boat's 18-degree dead rise, optimizing propulsion efficiency. The design minimizes platform loss despite the outboards, incorporating two sizable 42-inch by 21-inch swim steps on either side and a 14-inch deep service platform just ahead of the engines. A concealed reboarding ladder is accessible under a hatch to port. Functional 8-inch pull-up cleats are positioned to avoid trip hazards, complemented by higher-mounted 10-inch cleats on the bulwarks. The transom houses two storage compartments with gas-strut-assisted hatches, one containing the 12-volt master breaker and shore power cord reel switch, and another offering substantial storage space. An electric lift hatch reveals the cockpit's underfloor storage and mechanical components, including the SeaKeeper 3 gyro stabilizer, fuel tank, batteries, generator, black water tank, and air conditioning system. Additional compartmentalized storage is located forward of this space. Access to the side decks and fixed piers is facilitated by starboard steps and port stairs, respectively.

Cockpit and Social Areas

The cockpit features an L-shaped seating arrangement that fosters a comfortable social environment, centered around an expandable solid teak pedestal table with dedicated storage beneath the seating. Upholstery demonstrates an elevated level of craftsmanship, combining patterned fabrics over varying thicknesses of water-resistant foam. A refreshment center includes a stainless steel grab rail, an electric grill with storage for its cover, a trash receptacle, and a refrigerated drawer, all protected under an extended hardtop standing 6 feet 9 inches above the deck. The hardtop integrates padded vinyl inserts housing LED lighting, speakers, and a drop-down 30-inch flat-screen television. Access to the bow or fixed piers is facilitated by a removable section of the cockpit sofa and port-side steps, with safety enhanced by overhead grab handles and 13-inch wide side decks bordered by a cabin-top rail and 24-inch high side rails.

Bow and Foredeck Features

The foredeck includes a versatile sun pad on the trunk cabin that converts into two-level chaises on both sides, complemented by a three-level flip-up bench seat forward and a pull-up cabana-style bimini for shade. A Fusion stereo control and beverage holder are conveniently located nearby. Ground tackle is concealed beneath recessed foredeck hatches, with cleats provided to secure the anchor rode. Road locker access is available port and starboard, each equipped with washdown capabilities. Foot controls for the anchor and aft-mounted speakers flank a remote spotlight, enhancing functionality and entertainment.

Interior Living Spaces

Accessed through a 32-inch sliding glass door, the interior offers a spacious salon with 6 feet 3 inches of headroom and 29 inches of space between the cabinet and sofa across the single-level deck. The galley is well-appointed with overhead storage including a microwave, open counter space with removable Corian covers over an electric cooktop and single-basin sink, and storage for the covers below. Two refrigerated drawers and a pull-out trash receptacle add convenience. The aft glass panel retracts into the lower cabinetry, seamlessly blending the interior with the cockpit and keeping the host centrally engaged. The salon includes a two-across couch with soft-touch vinyl upholstery, additional Corian surfaces with beverage holders, and integrated air-conditioning vents beneath expansive side windows that flood the space with natural light. Storage is available both behind and below the seating, and a 32-inch drop-down television is positioned for viewing from the port side.

Helm and Navigation

The helm station features a soft-touch brow over twin 12-inch Garmin displays arranged in a glass dash configuration. Below the displays are a stainless steel beverage holder, an array of electrical switches, a connectivity cubby, and the bow thruster joystick. The Fusion stereo system is fully integrated beneath the helm. The steering wheel is mounted on a tilt base, with VHF radio and engine start/stop controls conveniently located nearby. The starboard panel houses engine controls, the SeaKeeper gyro stabilizer control, the Optimus joystick for docking, trim tab controls, and a remote controller for the forward displays. Visibility is excellent through a large 50-inch by 99-inch single-piece windshield with a 9-inch brow, complemented by an opening side window. The helm seat is 32 inches wide with a single flip-up bolster and fore-aft electric adjustment, including storage compartments beneath. A flip-down 7-inch high platform enhances visibility for shorter operators.

Private Accommodations

Below deck, accessed via a center-mounted companionway, are two staterooms and a split head, all climate-controlled by an 18,000 BTU air conditioning system. The main electrical panel is located to starboard, featuring tank controls, 12-volt switches, and 120-240 volt panels. The master stateroom features an island berth measuring 79 by 60 inches, flanked by lengthy hallside windows with accent lighting and a padded headboard. Headroom reaches 6 feet 2 inches, with full-width storage drawers beneath the berth and additional storage accessible by lifting the mattress. A cedar hanging locker is situated to port, and a 32-inch flat-screen TV is mounted on the aft bulkhead. The adjacent split head includes a water closet with an electric flush porcelain toilet and sink to starboard, and a spacious shower with wood accents and contemporary fixtures to port. The VIP stateroom, located aft, offers a centerline berth that slides apart into two 40-inch wide singles. Although headroom is more limited here, ranging from 5 feet 4 inches at the entrance down to 2 feet 4 inches over the berth, the space includes hallside windows, storage drawers, hanging lockers, and a 32-inch television.

Power and Performance

The Regal 38XO measures 38 feet 10 inches overall, with a beam of 11 feet 11 inches and a draft of 38 inches. The test weight, including 65% fuel and three people aboard, was approximately 19,970 pounds. Powered by triple Yamaha F300 outboards with 17-pitch, 15.5-inch Saltwater Series II propellers, the boat achieved a top speed of 49.2 miles per hour at 5,800 RPM. The most efficient cruising speed was recorded at 31.2 miles per hour at 4,000 RPM, consuming 36.7 gallons per hour and yielding approximately 0.9 miles per gallon, with a range of 268 miles while maintaining a 10% fuel reserve from the 350-gallon total capacity. The 38XO demonstrated quick acceleration, reaching planing speed in 4.7 seconds with a 10.5-degree bow rise, 20 miles per hour in 6.5 seconds, and 30 miles per hour in 10.7 seconds. The boat maintains a slightly bow-high attitude at cruise, easily corrected with trim tabs. Handling is agile and responsive, with a 19-degree lean into turns and moderate speed reduction during cornering. The hull cuts through light wakes with minimal slapping and offers smooth cruising in calm conditions. Docking is facilitated by the Helm Master joystick system, which effectively manages the triple engines—two of which are tied together—allowing precise and gentle maneuvering.

Conclusion

The Regal 38XO successfully combines strong performance with a thoughtfully designed entertainment platform and comfortable accommodations. Its multiple social zones, high-quality finishes, and versatile interior and exterior layouts make it well suited for both cruising and entertaining. The boat's handling characteristics, efficient powertrain, and advanced docking controls further enhance its appeal as a capable and enjoyable vessel. Overall, the 38XO reflects Regal's commitment to blending functionality, style, and performance in a well-rounded package.

Overview from around the web 2020 Regal 38 XO

Customers are raving about the 2020 Regal 38 XO, highlighting its perfect blend of luxury, performance, and versatility

Many appreciate the spacious cockpit that seamlessly integrates with the salon, providing an ideal setting for entertaining family and friends. The modern design and high-quality finishes are frequently praised, as they create an inviting atmosphere on board. Boaters are impressed with the innovative features, such as the advanced touchscreen controls and the efficient Volvo Penta engines, which deliver an exhilarating yet smooth ride. The expansive windows allow for stunning views and plenty of natural light, enhancing the overall experience. Many owners also commend the well-designed cabin, which offers comfortable sleeping arrangements and a fully-equipped galley. The Regal 38 XO’s ability to adapt to various activities, from leisurely cruising to water sports, further solidifies its reputation as a versatile vessel. Overall, the 2020 Regal 38 XO is celebrated for its exceptional craftsmanship, thoughtful design, and unmatched performance on the water.

Made For

The 2020 Regal 38 XO is designed for those who seek a perfect blend of luxury, performance, and versatility on the water. It’s ideal for avid boaters who appreciate both spacious comfort and high-speed capabilities. Couples and families will find its spacious lounge areas and well-appointed cabins perfect for weekend getaways or extended cruising. With its sleek design, the Regal 38 XO is also a great choice for social entertainers who enjoy hosting friends and family on the water. Its impressive layout features a large cockpit, ample seating, and a state-of-the-art galley, making it perfect for gatherings. Additionally, boaters who value cutting-edge technology and easy handling will appreciate the vessel's advanced navigation systems and powerful engines, providing an exhilarating experience on the open sea. Overall, the Regal 38 XO caters to a wide range of boating enthusiasts, making it an excellent choice for those looking to elevate their time on the water.

Finance your dream boat!

Use our boat payment calculator to estimate monthly payments for 2020 Regal 38 XO. Enter your down payment, choose a loan term, and adjust the interest rate to see an instant payment estimate — ideal if you're calculating boat payments before you enquire. Wondering how much does a Express Cruiser cost in today's market, or how much does a Regal cost for similar models? This boat financing calculator helps you compare scenarios in seconds, whether you're considering used boat financing or a new purchase.
Monthly payment
$2,906.56/mo
$
$
%
Principal Loan Amount$ 390,150
Total Payment$697,573.71

Finance your dream boat!

Use our boat payment calculator to estimate monthly payments for 2020 Regal 38 XO. Enter your down payment, choose a loan term, and adjust the interest rate to see an instant payment estimate — ideal if you're calculating boat payments before you enquire. Wondering how much does a Express Cruiser cost in today's market, or how much does a Regal cost for similar models? This boat financing calculator helps you compare scenarios in seconds, whether you're considering used boat financing or a new purchase.
Monthly payment
$2,906.56/mo
$
$
%
Principal Loan Amount$ 390,150
Total Payment$697,573.71

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The Image of 2020 Regal 38 XO yacht cruising on open water, showcasing sleek design and modern features. - 02020 Regal 38 XO
$459,000$459,900$464,900$464,999$449,999$470,995
Panama CityClearwater BeachDaytona BeachMiamiSarasotaTarpon Springs
38'39'38'39'39'-
3'-----
YamahaYamahaYamahaYamahaYamahaYamaha
300 hp300 hp300 hp300 hp300 hp300 hp
16727853848377
Price
Location
Nominal Length
Draft
Engine Make
Total Engine Power
Days on Market

Meet the Broker

Address

4851 Wharf Parkway, Suite D-224
P.O. Box 650
Orange Beach, AL 36561

Boat Location

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