Bay County, FL Real Estate Search

Bay County, FL 3 Bedroom Homes for Sale

Bay County, FL, offers a diverse selection of charming 3-bedroom homes for sale, perfect for families and individuals seeking a tranquil coastal lifestyle. Nestled between the beautiful Gulf of Mexico and lush inland parks, the area is known for its friendly communities and vibrant neighborhoods. Potential buyers can explore various architectural styles, from modern designs featuring open floor plans to cozy, traditional homes exuding southern charm. With proximity to stunning beaches, recreational activities, and excellent schools, these properties not only provide comfortable living spaces but also access to an array of amenities that enhance the quality of life in this picturesque region. Whether you're looking for a vacation retreat or a permanent residence, Bay County's real estate market has something to offer for everyone.

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Newest Bay County, FL 3 Bedroom Homes for Sale

$284,990
3 Beds 2 Baths 780255 MLS
SPECIAL PROMTIONS AVAILABLE! Introducing the Alden, a beautiful home designed to exceed your expectations. This charming 3 bedroom, 2 bath residence encompasses 1,721 square feet of well-designed living space and features a covered front entry that adds an inviting touch. Extra windows allow the abundant sunlight to gracefully dance across the home, infusing the space with a comforting warmth. As you step inside, you'll be welcomed into a spacious and long foyer, perfect for displaying cherished memories. Before you enter the large and open great room, the spare bedrooms are thoughtfully positioned off a guest hall, creating a separate wing for added privacy. These two bedrooms share a well-appointed bathroom and a linen closet, catering to the needs of your family and guests. Convenience is key in the Alden as the laundry room is just steps away, offering easy access for day-to-day chores. The two-car garage has access from the foyer and provides plenty of space for storage and parking, accommodating all your needs. The spacious and inviting great room is open to the dining area and kitchen creating family togetherness. From the great room, there's access to a 13×8 covered outdoor living space that awaits barbecue dinners and afternoons enjoying the sunny Florida weather. The large kitchen is a chef's delight, boasting an abundance of counter and cabinet space, a pantry, and a kitchen island complete with a dishwasher and sink. It's a functional and stylish space that will inspire your culinary adventures. The Alden's split floorplan ensures privacy and comfort. Located off the great room, the generously sized owners' suite is a haven of relaxation, featuring an ensuite bathroom and double walk-in closets that provide ample storage. The Alden offers standard selections of quartz countertops, tile flooring in the common/wet areas, and cozy carpet in bedrooms. Rest assured, this home includes a 1-year transferable builder warranty and a 10-year structural warranty. Your peace of mind is our priority. Experience the pride of homeownership. The Alden is waiting for you to make it your own. Buyer to confirm any information contained herein that is important in making a buying decision.

5167 Harvey Street, Panama City

$735,000
3 Beds 2 Baths 779886 MLS
Welcome to your dream coastal getaway at the Grand Panama Beach Resort! This beautifully furnished condominium boasts three spacious bedrooms and two bathrooms, offering the perfect retreat for family, friends, or guests. This end unit boast breathtaking Gulf Views: Whether you're relaxing in the living room, unwinding in the master suite, enjoying a meal in the dining area, or staying in one of the guest bedrooms, breathtaking, unobstructed Gulf views greet you from every window bringing the beauty of the beach right to you. Notable features include generously sized bedrooms, a Gulf-front primary suite with balcony access, a primary ensuite equipped with twin vanities, a soaking tub, and a walk-in shower, as well as a comfortable bunk alcove. The condominium features updated stainless-steel appliances and HVAC, granite countertops throughout, and an open kitchen with breakfast bar that integrates seamlessly into the dining and living areas. An expansive balcony offers residents an inviting space for morning coffee or evening relaxation. This unit is offered fully furnished and move-in ready. Grand Panama Beach Resort, one of the most sought-after resorts in Panama City Beach, offers 24-hour security services, two resort-style pools (one heated), a beachside tiki bar, a large fitness center, an onsite general store, a bistro restaurant, an owner's library, barbecue grills, and a level-5 walkway connecting Tower 2 to Tower 1. This Grand Panama condo combines luxury, comfort, and unbeatable views for the ultimate Gulf Coast lifestyle. Whether you're seeking a primary residence, vacation home, or investment opportunity, this property offers it all—just steps from the sand and minutes to Panama City Beach's best attractions. Don't miss your chance to own this spectacular Gulf-front condo. Contact us today for more information or to arrange a private tour! While all information is deemed accurate, buyers should verify details that are of importance.

11807 Front Beach Road Unit 1-1001, Panama City Beach

$590,000
3 Beds 3 Baths 779544 MLS
3BD | 3BA | STR ALLOWED | PRIVATE POOL | OUTSIDE SHOWER | FULLY FURNISHED | SLEEPS 8-10 | PARKING for 4 | BLOCK to GULF | BEACH ACCESS 20 Welcome to your dream coastal retreat! This stunning 3-bedroom, 3-bathroom Beach Home is the largest floor plan of only eight single-family residences in the exclusive Seaview Village. Fully furnished and turnkey, with a private pool and outdoor shower, this property is perfectly situated just one block from the pristine Gulf of Mexico and Beach Access 20. Designed for both comfort and style, it can sleep 8-10 guests, includes four parking spaces, and is completely rental-ready—an outstanding opportunity for families or investors alike. Property Highlights: • Prime Location: Steps from the sugar-white sands and emerald waters of the Gulf, offering endless opportunities for beachside relaxation and recreation. • Spacious Layout: Three bedrooms—two on the main level and one upstairs—each with en-suite bathrooms for ultimate comfort and privacy. • Main-Level Retreat: A master suite with private pool access, a second en-suite bedroom with custom bunks, plus a laundry room with large stackable washer/dryer. • Second-Level Living: Features another large master suite, open-concept living and dining with a fireplace, fully equipped kitchen, and private covered balcony—ideal for entertaining and maximizing rental appeal. • Outdoor Oasis: Enjoy your own private pool, outdoor shower, covered patio with grill and seating, and balcony views toward the Gulf—perfect for sunrise coffee or sunset cocktails. • Turnkey & Rental Ready: Thoughtfully furnished with coastal décor and all essentials, allowing for immediate use or income potential. • Investment Opportunity: With a desirable location, private pool, and proven rental demand for similar homes, this property offers excellent potential as a high-performing vacation rental. Don't miss the chance to own this exceptional beach home that combines modern comforts with unbeatable proximity to the Gulf. Whether you're searching for a personal coastal sanctuary or a profitable investment, this home delivers the best of both worlds. ⸻ Schedule your private showing today and experience coastal living at its finest!

8410 Thomas Drive Unit 4, Panama City Beach

$1,239,000
3 Beds 3 Baths 779329 MLS
RARE WATERFRONT. RENTAL PROJECTION OF $70K-$80K. PRIVATE DOCK + LIFT. Set near the mouth of the lagoon in Panama City Beach, this waterfront property offers the kind of location, scenery, and boating access that can stand out to both personal-use buyers and short-term rental investors. With a rental projection estimating year-one revenue of $70,000 to $80,000, this is more than a waterfront retreat--it is a scarce location-first opportunity with income-producing potential. Positioned on a quiet loop in one of the closest residential pockets to the lagoon mouth, the property offers quicker runs to open water, marinas, beaches, dining, and Panama City Beach attractions while still maintaining a calm, tucked-away feel at home. Out back, a private dock with powered boat lift makes ''go now'' boating simple. When dinner calls, it is an easy hop by boat across the lagoon to local favorites like Capt. Anderson's or The Grand Marlin, or stay dockside and fish for saltwater trout and redfish right from the backyard. The setting gives guests and owners a true waterfront experience: passing boats and jet skis, ospreys and eagles overhead, dolphins making regular rounds, and large-scale Fourth of July fireworks visible from the dock and both screened porches. These are the details that help separate a short-term rental from a standard beach-area property. Built with 2x6 construction, hurricane-rated doors and windows, spray-foam insulation throughout, including interior walls, and pilings driven approximately 47 feet, the home blends efficiency, resilience, and long-term utility. Inside, well-appointed living spaces are oriented toward the water and flow to a screened-in back porch. Upstairs, the primary suite has its own screened porch, creating another strong vantage point for enjoying the wildlife, watercraft, and lagoon views throughout the day. For buyers comparing Panama City Beach waterfront homes with rental potential, this property offers a rare combination: private boating infrastructure, lagoon-mouth proximity, water views, screened outdoor living, and projected year-one rental revenue of $70,000 to $80,000. The result is a waterfront property with both lifestyle appeal and investment positioning, exactly where you want to be when access, scenery, and income potential matter most. All information is believed accurate but not guaranteed; buyer to verify if important.

3530 Treasure Circle, Panama City Beach

$599,000
3 Beds 3 Baths 779017 MLS
Make an offer today! Take in breathtaking million-dollar views from your expansive, private balcony your personal retreat above it all just steps from the elevator, This Magnolia Bay condominium is truly one-of-a-kind. Designed for those who demand more, this residence boasts the largest floor plan in the community along with an expansive balcony offering endless waterfront views of the Bay and the ultimate balance of elegance, comfort, and seclusion. Cook and entertain with ease in the chef-inspired kitchen, complete with granite countertops, a breakfast bar, and premium Maytag stainless steel appliances including a whisper-quiet dishwasher. The home also includes a washer and dryer, and some furniture is included, making it truly turnkey. A newly updated HVAC system paired with an EcoBee Smart thermostat ensures efficiency and peace of mind. The master suite is a retreat of its own, offering balcony view, a large walk-in closet, separate shower, and whirlpool tub. The third bedroom is versatile, easily serving as an office or flex space. Experience peace of mind and modern efficiency in this beautifully maintained property. The home's HVAC system has received full preventative maintenance for 2025, ensuring year-round comfort and reliability. In addition, an energy-efficient Rheem electric hot water heater installed in 2025 adds exceptional value and savings on utility costs. These thoughtful upgrades make this home move-in ready and worry-free, offering both comfort and confidence for the next owner. Showcasing meticulous care and attention, this original owner residence has remained in private hands and has never been offered as a rental. Magnolia Bay offers resort-style amenities including a heated pool, fitness center, fishing docks, kayaking, sidewalks, playground, and secure gated entry. Additional parking in the back adds convenience for residents and guests alike. Importantly, the community enforces a minimum 6-month rental policy, ensuring a peaceful, private, and upscale environment for residents. Ideally located minutes away from Publix, Winn-Dixie, St. Andrews, Gulf Coast State College, FSU, parks, and the world's most beautiful beaches, this condo offers everyday convenience wrapped in the ultimate bayfront retreat. Don't miss this rare opportunity to own one of Magnolia Bay's premier residences where luxury, lifestyle, and location all come together. All measurements are approximate buyers are encouraged to verify any details that are important to them. Schedule your tour today to experience Bayfront Luxury Living at Magnolia Bay. Among the top three most architecturally unique units in the building.

2400 Grandiflora Boulevard Unit E409, Panama City Beach

$1,200,000
3 Beds 3 Baths 769470 MLS
Imagine living on the water in a brand-new home in Panama City Beach with no HOA and room to truly enjoy the coastal lifestyle. This home offers a rare combination of new construction, waterfront living, no HOA, and a fully furnished setup in Panama City Beach. The home was designed to take full advantage of its waterfront setting, with open living spaces and large windows that bring the outdoors in. With no HOA restrictions, this property provides flexibility that is increasingly hard to find in waterfront communities. Whether used as a primary residence, a second home, or a vacation property, the location and layout allow for a wide range of possibilities. Set in a desirable PCB location, the home offers the privacy and tranquility of waterfront living while remaining close to beaches, dining, shopping, and local attractions. Priced at $1.2 million, this property combines new construction, waterfront access, and freedom of ownership in one offering. Whether you're looking for a place to create lasting family memories or a waterfront retreat to enjoy year-round, 1033 Bay Circle delivers a lifestyle that is becoming harder to replace. Schedule your private showing to experience the setting firsthand. This newly constructed three-story home features an open-concept design with high-end finishes throughout. The spacious living area is filled with natural light and offers stunning views of the bay. The gourmet kitchen is equipped with premium appliances, quartz countertops, and a stylish island, making it perfect for both entertaining and everyday living. The home boasts multiple private balconies, allowing you to enjoy sunrises over the water with your morning coffee and relax in the evening with breathtaking sunset views. The luxurious primary suite includes a spa-like ensuite bathroom, a walk-in closet, and a private balcony overlooking the bay. Designed for both personal enjoyment and investment, this home is currently used as a short-term rental and offers excellent income potential. With no HOA restrictions, owners have full flexibility to use the property as they wish. The outdoor space is ideal for waterfront living, featuring a spacious deck and direct water access, perfect for boating, fishing, or simply unwinding by the bay. This property provides easy access to white-sand beaches, marinas, restaurants, and local attractions. Whether you are searching for a dream vacation home, a high-performing rental property, or a peaceful coastal retreat, this waterfront escape is a rare and valuable opportunity.

1033 Bay Circle, Panama City Beach

$549,000
3 Beds 2 Baths 768817 MLS
NOW REDUCED OVER $100,000!!!! This ground floor unit in Wild Heron features over $150,000 in upgrades!! This unit includes a private entry, over-sized two car garage, plantation shutters throughout, shiplap, upgraded kitchen and countertops, Florida room with built in bar and fridge, large soaking tub with separate shower, laundry room with sink, and lots of storage! Be sure to call for the full upgrades list! Linkside at Wild Heron consist of only 24 units, yet they have their very on private pool! That pool is easily accessible from this unit. The 2026 quarterly HOA fees just went down!! Wild Heron is one of the best kept secrets in the Florida Panhandle, located on the banks of Lake Powell in West Panama City Beach and just east of Highway 30A. This gated community offers security, golf, nature trails, marina, fitness center, tennis, heated lakefront pool, community fire pit, clubhouse, fishing and more! Lake Powell is the largest coastal dune lake in Florida and North America, covering almost 800 acres. Wild Heron is home to the award winning Greg Norman-designed Shark's Tooth Golf Course and also The Third Golf Course which is a brand-new 18-hole golf course designed by Davis Love III. Golf and tennis memberships are available through the Watersound Club and also includes Camp Creek Golf Course which is approximately twenty minutes away. Call today for the upgrades list and a private viewing. Come enjoy this Luxurious Community that offers a maintenance-free lifestyle with the HOA-provided lawn and landscape services. You will love it here!

1503 Tin Cup Court Unit E101, Panama City Beach

$1,165,000
3 Beds 3 Baths 769539 MLS
Gulf-Front Caribbean-Inspired Condo with Spectacular Views - Fully Furnished & Turnkey Rental Ready! New AC unit just installed. (June 2025) Experience the ultimate beachfront lifestyle in this stunning corner unit three-bedroom, three-bathroom condo located in a Caribbean-inspired Gulf-front resort on the world's most beautiful white sandy beaches. Overlooking the emerald waters of the Gulf of America, this luxurious retreat offers breathtaking views and a spacious, open-concept design perfect for entertaining or a high-performing short-term rental investment. Step onto the large private balcony, where you can relax and take in unforgettable sunsets over the water. The gulf-front master suite is a true sanctuary, featuring gulf views, private balcony access, and an en-suite bath for ultimate comfort and privacy. Each additional bedroom also boasts its own private full bathroom, making this condo an ideal getaway for families and guests. This unit is fully furnished and completely turnkey, ready for immediate enjoyment or rental income. New hardwood floors installed in all the bedrooms. The resort-style amenities include: Gulf-front pools & hot tubs (including a seasonally heated pool) On-site tiki bar for tropical drinks by the water State-of-the-art fitness center overlooking the Gulf Direct beach access to pristine white sand beaches Perfectly situated adjacent to the famous Pier Park, you'll be steps away from top restaurants, premier shopping, and endless entertainment. Plus, with Topgolf coming soon on Front Beach Road, this location is poised to be even more desirable. Don't miss your opportunity to own a proven income-producing beachfront escape in one of the most sought-after locations on the gulf coast. Whether you're looking for a luxurious vacation home or a lucrative rental investment, this condo is the perfect choice! Contact us today for more details! *All measurements and items of importance are to be confirmed by buyer or buyer agent.*

15817 Front Beach 1601 Road Unit 1601, Panama City Beach

$718,000
3 Beds 3 Baths 748441 MLS
Welcome to your dream beach getaway! Calypso Tower III is one of the newest complexes built in Panama City Beach. This spacious 3bd/3bath CORNER unit condo offers expansive Gulf views and is located just east of Pier Park. The condo is fully furnished and perfectly decorated for the beach. As you step inside, you'll be greeted by a spacious floor plan, designed to maximize both comfort and style. The living area features side windows that invite an abundance of natural light. The condo features a beautiful, full-size kitchen, providing you the comfort of home during your stay. With king-size beds in both the master and guest bedrooms, you'll experience the utmost in relaxation during your much-anticipated beach vacation. Don't let this exceptional opportunity slip through your fingers - make this your vacation home, and invite your family to join you in Panama City Beach. This remarkable condo can graciously accommodate up to nine guests, ensuring a truly memorable and comfortable stay for all. Whether you're seeking a tranquil escape or a front-row seat to holiday festivities, this condo promises an unforgettable experience. The resort is just steps away from the best shopping in Panama City Beach at Pier Park. Pier Park offers shopping, entertainment, and restaurants. You do not want to miss the opportunity to own this beautiful condo! Schedule your private showing today! All sizes/measurements are approximate; please verify if important. Property Features: - Living Area with Gulf Views, Sleeper Sofa and Flat Screen TV. - Open Dining Area with Gulf Views. - Full Size Kitchen with Tile Backsplash and Stainless Steel Appliances. - Master Bedroom with Gulf Views, King Size Bed and Flat Screen TV. - Private Master Bathroom with Double Vanity and Walk-In Shower. - Bedroom 2 with Gulf Views, King Size Bed and Flat Screen TV. - Private Bathroom 2 with Walk-In Shower. - Bedroom 3 with Twin over Full Size Bunk Bed and Flat Screen TV. - Private Bathroom 3 with Tub/Shower Combo. - Condo equipped with Full Size Washer and Dryer. - Furnished Balcony with Gulf and Pool Views. High Speed Internet and Cable. Resort Amenities: - Gulf Facing Condos. - Secluded Private Beach. - Lagoon Style Swimming Pool. - Seasonal Tiki Bar and grill. - Fitness Center. - Wireless Internet in resort common areas. - On site activities and Rentals.

15928 Front Beach Road Unit 1101, Panama City Beach

$565,000
3 Beds 4 Baths 772324 MLS
Waterfront Living in the Heart of Panama City Welcome to 246 E 3rd Place, where waterfront living meets timeless elegance. Perfectly positioned in the historic Cove neighborhood and just minutes from vibrant downtown Panama City, this stunning 3-story townhome offers the ultimate blend of comfort, convenience, and coastal charm. With 3 spacious bedrooms, 3.5 bathrooms, and a 2-car garage, this home boasts breathtaking views of Massalina Bayou and direct Gulf access via your deeded deep-water boat slip—14x40 feet, wide and deep enough to accommodate both sailboats and larger dream vessels. Step inside to find a thoughtfully designed layout that maximizes both space and privacy. A power chair lift provides easy access to the main level. The first floor features a generous bedroom with a full bath and access to a large private deck overlooking the water—perfect for guests or a serene office space. The second floor is the heart of the home, where soaring 9-foot ceilings, Brazilian hardwood floors, and abundant natural light create a warm and welcoming atmosphere. The open-concept living and dining areas flow into a well-appointed kitchen featuring emerald black granite countertops, custom cabinetry, and an oversized pantry. On the third floor, the luxurious primary suite offers a peaceful retreat with its own private balcony and panoramic views of the harbor. There's even space for a home office or workout area. The ensuite bathroom features double vanities, a jetted soaking tub, a walk-in shower, and a spacious walk-in closet. An additional bedroom on this level comes with its own full bathroom and could easily serve as a second primary suite. Built with quality in mind, this home includes a 6-year-old roof, brand-new water heater, fresh interior paint, hurricane shutters, a fire sprinkler system, and 2x6 exterior framing. It's also prepped for an elevator, making it future-ready. Whether you're an avid boater, seeking a low-maintenance waterfront escape, or looking to enjoy the lifestyle and charm of downtown living—this home has it all. Don't miss your chance to live where every day feels like a vacation. Schedule your private tour today.

246 E 3rd Place, Panama City

$790,000
3 Beds 3 Baths 770143 MLS
PRICED TO SELL!!! From the moment you open the door to this 3 bedroom, 3 bath condo on the 6th floor of Tidewater Beach Resort, you'll know you've found the perfect property! As you enter, take in the gorgeous sight of the Gulf through the oversized double sliding glass doors in the living room, or enjoy the essence of the Emerald Coast from the beautiful balcony. With bar height chairs, a large dining table, and comfy couches, you and your guests will have plenty of seating whether relaxing or enjoying a bite to eat. The kitchen is well equipped with stainless steel appliances, granite countertops, and more than enough cabinet space to make meal-time easy. To be sure that everyone has the privacy they need to rest and relax, this condo offers three generously-sized bedrooms. The primary bedroom boasts a gorgeous bay window to take in the incredible view, an entrance to the balcony, and an extensive ensuite. In the bathroom, you'll find a double vanity, garden tub, separate shower, and walk-in closet. The secondary bedroom is open and comfortable, and also has an ensuite bath, allowing your guests to enjoy their own separate space. The third bedroom is perfect for the kiddos with two beds, a wall-mounted TV, and easy access to the guest bathroom in the hall. Finally, the unit comes with an in-unit full-sized washer and dryer to make laundry convenient for the duration of your stay. With private access to the beach, multiple swimming pools, on-site bar and cafe, workout facilities, sauna, game room, and private movie theater, you'll never have to leave the property. If you do want to venture out, this condo is only minutes from all the Panama City hotspots, including Pier Park and a variety of sailing, fishing, and water sport options. Whether you're looking for a home away from home or a fantastic source of rental income, you've just found it in this spacious, stunning condominium!

16819 Front Beach Road Unit 602, Panama City Beach

$825,000
3 Beds 3 Baths 765912 MLS
*Owner Financing available with 20% down, competitive rate, and must qualify* Welcome to this meticulously maintained WATERFRONT home, located in the gated Bay Point Community on the CANAL with GULF access. This stunning property offers a long list of recent upgrades. The home boasts a metal roof (2019), 4-ton HVAC unit and attic insulation (2022) to enhance energy efficiency throughout the house, including the garage and workshop. Other recent improvements include a new garage door (2022), LED lighting (2022), and updated kitchen with a new ceramic tile floor (2023) and a brand-new dishwasher (2023). Custom cordless blinds were installed on all windows and doors, offering both privacy and contemporary appeal. Step outside to enjoy a beautifully upgraded space, including a new TREX front deck (2023), a newly installed shade sail over the back deck (2023), and a freshly renewed landscaping design, with trimmed crepe myrtles and palms. The dock and seawall are ready for boating, fishing, or simply enjoying the serene waterfront views. A finished heated and cooled workshop with a half bath was added in 2023, providing an ideal space for hobbies. In addition to these impressive upgrades, the property features a new sprinkler control system and a new electric service panel, complete with a 220V outlet for electric car charging. Included with the home are blinds, the kitchen microwave, a living room 42-inch TV, refrigerator and the washer and dryer. This home offers both comfort and convenience, with the added benefit of being located in a desirable, gated community with Gulf access. Located within the Bay Point community, you have golf cart friendly streets, Bay Point Golf Club with the Nicklaus Design Championship Course, full service Point South Marina, Bar 72 Restaurant, and many more popular dining spots located just outside the gates of Bay Point. Additional canal fee is $250 annually. Buyer to verify any information deemed important.

325 Wahoo Road, Panama City Beach

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