Bay County, FL Real Estate | Bay County, FL 4 Bathroom Homes for Sale

MAJOR PRICE REDUCTION!!!!----- GULF-FRONT, NO HOA, RENTAL READY WITH OVER $139,559 IN BOOKINGS THIS YEAR SO FAR!!! Step directly onto the sugar-white sand from this remodeled 5-bedroom, 4 full baths beach retreat offering sweeping Gulf views from the main living level and private bedrooms. Designed for gathering, the open living/dining/kitchen frames the emerald water as the backdrop for sunsets, seafood nights, and memory-making. A clever 10' x 12' loft in one bedroom creates an extra sleeping zone or kid-approved hideaway--ideal for maximizing guest capacity. Recent updates and the seller-reported 2,232 sq ft of heated/cooled space include an enclosed former garage that expands everyday comfort and rental flexibility. Multiple bedrooms on separate levels provide privacy for larger groups, while four full baths keep beach days effortless. Outside, rinse off and head straight to the deck to watch dolphins cruise and the sky glow at golden hour. Major perks: NO HOA--a rare Gulf-front find that supports short-term rental potential--plus a layout and location travelers love: direct beach access, panoramic views, and minutes to coastal dining, shopping, and entertainment like Top Golf. Dolly's Pirate Voyage, Pier Park!.

17203 Front Beach Road Unit 2, Panama City Beach

$875,000

4 Beds ⋅ 4 Baths ⋅ 779429 MLS

Introducing 234 Sands Street - a multi-family property on the desirable west end of Front Beach Road, just steps from public beach access. This charming beach cottage includes an attached mother in-law apartment and a separate detached cottage. Zoned R-3 and situated on an oversized 0.27-acre lot, it allows for duplex or triplex use. The main home features tongue & groove ceilings, wood floors, two bedrooms, a bunk area, and a spacious Florida room. Both additional units have private entrances, full kitchens, and bedrooms, perfect for short term rentals and extended family stays. With a little TLC, this unique property offers excellent potential for three short-term rentals—an outstanding investment opportunity minutes from Pier Park and 30A!

234 Sands Street, Panama City Beach

$595,000

3 Beds ⋅ 4 Baths ⋅ 778869 MLS

New Construction Opportunity - 7213 North Lagoon Drive, Panama City Beach, FL. Be the first to own this stunning new construction home! Nestled on the highly sought-after East end of Panama City Beach, this beautifully designed residence is just steps from the lagoon and boat ramps, 2 minutes to the Gulf of Mexico, and a short drive to Pier Park, local marinas, and great restaurants. Featuring a modern layout, this two-story home boasts: Open-concept living spaces, Luxury Vinyl Plank (LVP) flooring, Quartz countertops, Energy-efficient spray foam insulation, Tankless water heater, Spacious bedrooms and bathrooms, Covered outdoor living space. Don't miss this opportunity to live in one of PCB's most desirable areas with no HOA and all the benefits of modern, coastal living. Call for additional detail and visit 7213 North Lagoon Drive - Where comfort meets convenience near the water! Call today for additional details!

7213 N Lagoon Drive, Panama City

$500,000

4 Beds ⋅ 4 Baths ⋅ 778658 MLS

REDUCED!OWNER SAYS SELL! Short Term Rentals allowed. This is a wonderful duplex with each side having a 2 bedroom, 2 bath, kitchen, huge living area, enclosed porch and a nice size laundry room. Each side is fenced for privacy. This is a wonderful location just a short walk to Schooners and the beach. A great rental to make some money! All investors wanting a short term rental for income, this is your property. Someone could purchase and live in one side and rent the other side out! Don't let this opportunity pass you by! All measurements are approximate.

2910 Treasure Circle Unit A & B, Panama City

$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

$370,900

3 Beds ⋅ 4 Baths ⋅ 776566 MLS

REDUCED! REDUCED!! No HOA;s and no flood. Insurance. Close to everything!!!! New Construction'' You will love this beautiful home made for entertaining and comfort. Main living area open and airy, with family room , kitchen , dining all in one. Home also has 3 bedrooms/4 full baths, each bedroom has it's own bath. Nice laundry area, double garage and room for a pool in backyard. Home also features recessed lighting, tray ceiling, vinyl wood flooring, ceiling fans, walk-in-closets, double vanity in master bath. So much more. Kitchen has refrigerator, stove DW, microwave, large pantry, granite counter tops. Close to heart of Panama City. Shopping, schools, some of the best restaurants, not far to beaches, fishing. If your family is on the go this is the place for you!! If you just like being close to everything this is the place for you. Call for your appointment today!

2445 Mercedes Avenue, Panama City

$3,000,000

4 Beds ⋅ 4 Baths ⋅ 771470 MLS

MAJOR PRICE IMPROVEMENT - NOW $3,000,000. A rare opportunity to own 60 feet of direct Gulf frontage in the heart of Panama City Beach. Welcome to Parrotdise, a furnished, turnkey Gulf-front retreat offering the privacy of a residential beach street with the convenience of PCB's central location. Oleander Drive is tucked away from the constant traffic of Front Beach Road, yet places you within easy reach of both the east and west ends of the beach. Maggie Still Park, a charming neighborhood park, is just a short walk away. The property offers 4 bedrooms, 4 full baths and more than 3,000 square feet of living space, including a flexible second-floor bonus room with its own kitchenette - ideal for extended family, guests, a bunk/game space or additional rental flexibility. Outside is where this property earns its name. Step directly from the home into a private Gulf-front setting featuring an automated heated pool and spa, reinforced composite decking and unobstructed views across the emerald waters of the Gulf. With 60 feet of sandy beachfront, the backyard becomes the resort. The home is offered furnished and includes features rarely found together in a central PCB beachfront property: Two-car garage plus generous driveway parking Private heated pool and spa 60 feet of direct Gulf frontage Fully fenced yard with automatic privacy gate 400-amp electrical service Dedicated 50-amp RV hookup Luxury vinyl plank flooring on the main level Custom tiled showers Outdoor shower Second-floor bonus room with kitchenette No HOA Short-term rentals permitted Use it as a primary residence, private second home or vacation-rental property. The combination of direct beachfront, privacy, parking, pool, garage, flexible living space and central location creates a property that is increasingly difficult to duplicate along Panama City Beach. At its newly repositioned price, 13211 Oleander Drive offers buyers the opportunity to secure a substantial Gulf-front home with garage space and 60 feet of beachfront without paying new-construction pricing. Come see what $3 million buys on the Gulf.

13211 Oleander Drive, Panama City Beach

$1,337,000

4 Beds ⋅ 4 Baths ⋅ 778544 MLS

Welcome to this luxury 2025 new construction beach home just a short walk to the white sandy beaches of Panama City Beach. Designed as a primary residence, second home, or high-performing short-term rental investment, this 4-bedroom, 3.5-bath coastal retreat offers exceptional style, durability, and strong income potential. Currently configured to sleep up to 16 guests, this property is ideal for vacation rental income and large family gatherings at the beach. The flexible floor plan features two first-floor bedrooms with private en suite baths--perfect for guests or maximizing short-term rental appeal. Interior highlights include beautiful cypress and pine accent ceilings, durable luxury vinyl plank flooring, a bright loft providing additional living or sleeping space, and a spa-inspired primary suite designed for relaxation. The chef's kitchen features custom cabinetry, quartz countertops, and a gas stove with designer hood--perfect for entertaining after a day at the beach. Step outside to your private saltwater pool and covered patio, creating a perfect setting for outdoor living and vacation enjoyment. Built with durable 2x6 framing and a metal roof, this home offers long-lasting quality and peace of mind. Located in a golf-cart-friendly Panama City Beach neighborhood where short-term rentals are allowed, this property is minutes from Pier Park, Scenic Highway 30A, Camp Helen State Park, TopGolf, and Dolly Parton's Pirate Voyage. Whether you're searching for a Panama City Beach beach house, a Gulf Coast vacation home, or a high-income short-term rental property that sleeps up to 16 guests, this exceptional coastal home delivers both lifestyle and investment potential.

21511 Pompano Avenue, Panama City Beach

$434,999

4 Beds ⋅ 4 Baths ⋅ 776985 MLS

''Back on market - no fault of seller''. LET'S GET MOVING! ASSUMABLE LOAN 4.25% PLUS $7500 in closing concessions to the buyer. PLUS ONE year warranty. Payoff for assumable is $382,652.59 Ready to be moved in now for new owner. LET'S GO- Best deal for square footage on this floor plan. Beautiful 4BR/3.5BA Camden model in Bridge Harbor offering over 2,800 sq. ft. of thoughtfully designed living space on a premium corner lot. This split floor plan features 10' tray ceilings, luxury vinyl plank flooring, an open-concept layout, and a screened lanai perfect for relaxing or entertaining. The spacious kitchen includes a large granite island, stainless steel appliances, walk-in pantry, and water filtration system. The private owner's suite features a garden tub, separate shower, and oversized walk-in closet, while a separate guest suite provides added privacy. Additional features include: 3-car garage Smart home technology & security system Hurricane-ready plywood HOA-approved Graceland lofted storage shed (matches the home) Fenced backyard Conveniently located just minutes from Tyndall AFB, Panama City Beach, and Mexico Beach. Bridge Harbor residents enjoy resort-style amenities, including a community pool, fire pit, BBQ area, and bay access. Bonus: This home also offers an assumable 4.25% low-interest loan--an incredible opportunity in today's market!

406 Albert Meadow Lane, Panama City

$449,900

3 Beds ⋅ 4 Baths ⋅ 774345 MLS

Great Opportunity to purchase a rare executive Penthouse unit in the Exclusive Gated Island Reserve. There are only 12 of these large units 2500 sq ft plus. Entering the unit, you are greeted with a beautifully decorated furnishings throughout. This unit is close to 2600 square feet with 3 bedrooms and 3.5 bath to include two Master Suites. A formal Dining area and laundry room incorporates the elegance of this unit. A half bathroom on the first floor and storage space is included. Two masters with all bedrooms having a full baths and large walk in closets. On the third floor is a another large master bedroom with a sitting area excellent for an office. Large upgraded kitchen with an open floor plan, granite counters, stainless steel appliances, island breakfast bar. wet bar with wine cooler, and ice maker. Computer office area next to laundry room. Crown molding throughout with raised ceilings. Balcony off the master bedroom on the second floor. New gray plank wood flooring and new carpet. Large oversize 2 car garage. Unit is close to front gate, clubhouse and pool. Amenities on the premises include a large pool with waterfall, basketball court, hot tub and Clubhouse

8700 Front Beach Road Unit 8107, Panama City Beach

$890,000

4 Beds ⋅ 4 Baths ⋅ 742553 MLS

ALL NEW PAINTED WALLS AND CECILINGS, CASH FLOW, Ocean Ritz, this fully furnished 4-bedroom 4 full bathroom condo is the rental machine you have been waiting for. It includes two Gulf Front master bedrooms that have direct access to the oversized balcony and two additional that include their own separate bathrooms. The kitchen is fully equipped and has stainless appliances, beautiful backsplash and shiplap. The spacious floorplan sleeps 12 and has ample seating and dining space for all guests. Ocean Ritz is a low density building in the heart of Panama City Beach. It has a PARKING SPACE (39) located directly under the building.

10611 Front Beach Road Unit 1403, Panama City Beach

$639,999

4 Beds ⋅ 4 Baths ⋅ 775491 MLS

Stunning Coastal Retreat Steps from Golf & Beach in PCB! Welcome to your ultimate Panama City Beach escape! This exceptional 4-bedroom, 4-bathroom residence, spanning 3019 square feet, offers a perfect blend of modern elegance and an unbeatable location. Enjoy easy access, just moments from the pristine Panama City Beach sands and a premier golf course. This is ideal for those seeking a Florida beach house or a Gulf Coast investment property. Step inside this furnished Panama City Beach home to discover an inviting open-concept layout, bathed in an abundance of natural light that highlights the luxurious finishes throughout. The spacious living areas seamlessly flow into one another, providing an ideal setting for relaxation or entertaining. This Panama City Beach vacation home is offered fully furnished, providing a true turn-key experience. Whether you're seeking a smart vacation rental investment in PCB or your own dream beach getaway, this property is ready for immediate enjoyment. Don't miss this incredible opportunity to own a piece of Panama City Beach real estate!

2711 Lagoon Manor Drive, Panama City

$1,245,000

5 Beds ⋅ 4 Baths ⋅ 773352 MLS

Motivated seller please bring all offers ! Vacation-Ready Luxury Just Steps from the Beach - 510 Lyndell Lane, Panama City Beach, FL Welcome to coastal living at its finest! Built in 2022, this stunning 4-bedroom, 4-bathroom custom home offers 3,400 sq ft of modern elegance and comfort—perfectly tailored for both relaxing getaways and high-performing short-term vacation rentals. Just a short stroll from the sugar-white sands of Panama City Beach, this beautifully designed property comfortably sleeps up to 13 guests thanks to a spacious bonus room ideal for kids or additional visitors. The open-concept layout features upscale finishes, a gourmet kitchen, and bright, airy living spaces that seamlessly blend indoor and outdoor living. Step outside to your private oasis with a sparkling pool and hot tub, perfect for cooling off after the beach or enjoying sunset evenings under the stars. Whether you're lounging by the pool or entertaining family and friends, this home was built with vacation in mind. Currently operating as a successful short-term rental with many weeks already booked through the summer, this property offers strong income potential and comes turnkey ready for immediate revenue. Its unbeatable location, high-end amenities, and guest capacity make it an excellent investment with even greater upside. Whether you're looking for a luxurious second home or a top-tier vacation rental opportunity, 510 Lyndell Lane checks every box.

510 Lyndell Lane, Panama City Beach

$1,900,000

5 Beds ⋅ 4 Baths ⋅ 766364 MLS

Gulf of America deepwater access with 108' of waterfront! No HOA!! $200k Remodeling allowance. Boating/fishing and the deepwater access are a big draw to this property. The 9' deep channel is partially, privately owned by you and shared by your neighbors. There is a 10,000 lb. boatlift at your beautiful dock. Seller currently stores his 60' boat on this lift but has traditionally stored a 70' vessel. The dock area is equipped with a 50-amp electrical service. Historically, this neighborhood was part of a sawmill operation. This spectacular home was serviced and updated using Ramjack in 2014 and the pool area was Ramjack serviced in 2019. The driveway can easily hold 8 cars for memorable pool parties and cookouts. The 2-car garage has a decked attic and access stairs. There is also a curved driveway with a convenient carport. Additional insulation was added in the attic in 2014. In 2020, the roof was replaced including new 3/4'' decking. The 40 solar panels were purchased and paid off in 2021. Panels are direct feed with no battery back-up. A/C is comprised of 1-5-ton unit purchased 3 yrs ago and 2-2.5-ton units purchased 6 years ago. Seller says in the heat of the summer the cooling bill is under $100/month! Inside you'll enjoy beachy floor tile throughout and tasteful granite countertops in the spacious kitchen. Seller guesstimates $100k to modify and update the indoor pool area to his liking. This is part of why Seller is offering a $200k concession. The incredible views of the water from the kitchen, living room, formal dining room and bedrooms contribute to a lifestyle that only a few enjoy. This 5-bedroom 3.5-bathroom slice of paradise does not disappoint. Contact your favorite Realtor and set up a showing today!

419 Bay Shore Drive, Panama City Beach

$889,000

5 Beds ⋅ 4 Baths ⋅ 777615 MLS

This is a fantastic price improvement and one of the best values currently available. If you've been considering this property, now is the time to act before it's gone. Experience coastal living at exceptional value. This is a great opportunity! Your One-of-a-Kind Beach Retreat-Steps from the Gulf. Welcome to this stunning, fully furnished beach house just few steps from the Gulf of America. Designed with comfort, elegance and durability in mind, this home offers a rare combination of coastal charm and high end features. Relax on any of the multiple balconies where you can feel the ocean breeze and soak in views of the Gulf and nearby lake. The third floor balcony offers the best of both worlds-gorgeous water views in every direction. Inside, the owner's impeccable taste is evident in every detail. Hurricane proof windows rated to withstand up to 155 mph provide peace of mind, while front-facing windows and transoms are tinted for added privacy and comfort. A private elevator accommodates up to 4 people (1000 lbs), making every level of the home easily accessible. The open-concept living areas feature crown molding thoughout, rich bamboo wood floors, and tile in the kitchen and bathrooms. The gourmet kitchen boasts granite countertops, abundant cabinetry, and stainless steel appliances, while each bathroom also features elegant granite finishes. Special touches include a central vacuum system for convenience, a tankless water heater for energy savings, and a split garage with ample space for tools and storage. The inviting living room offers an electric fireplace-perfect for cozy nights in. The first floor bedroom serves beautifully as a private mother-in-law suite, providing flexibility for guests or extended family. This home is a perfect blend of style, comfort and strength, a true coastal gem ready for its next chapter. Please schedule your private showing on this one of a kind property now!

116 Smugglers Cove Court, Panama City Beach

$2,350,000

3 Beds ⋅ 4 Baths ⋅ 776120 MLS

This southern cottage-style beach house, masterfully designed by renowned AIA architect Gary Justiss, is nestled in the serene, private gated community of Carillon Beach. Offering a blend of exclusive privacy and contemporary elegance, this home offers an unmatched living experience near the sea. The house boasts three nicely appointed bedrooms and four baths, providing ample space for family and guests alike. The master suite, conveniently located on the first floor, features elegant design and comfort, making it a perfect retreat after a day spent by the ocean. The living spaces are graced with tall ceilings that enhance the airy and open feel. Living spaces extend seamlessly outdoors to the spacious porches, offering a view of the surrounding landscapes and the perfect setting for relaxation or entertaining. The outdoor area further enhances the leisurely beach lifestyle with a convenient outdoor shower, ideal for rinsing off after a beach day, and a bike shed to store beach gear. Adding to the function and charm of the property, an outbuilding is currently utilized as a combination mancave and greenhouse. This additional structure offers potential for various uses, adapting to the homeowner's lifestyle needs. The ample backyard, set against a backdrop of lush greenery and coastal breezes, features raised bed planters for gardening enthusiasts. This space is also suitable for accommodating a pool, offering potential for an idyllic outdoor oasis tailored to leisure and entertainment. Each detail in this home speaks of thoughtful design and high-quality craftsmanship. This beach house embodies a lifestyle perfect for those seeking a permanent residence, a holiday home by the sea, or an investment property.

209 Dunecrest Lane, Panama City Beach

Bay County, FL 4 Bathroom Homes for Sale

Newest Bay County, FL 4 Bathroom Homes for Sale

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