Bay County, FL Real Estate Search

Bay County, FL Homes between $400,000 and $450,000 for Sale

Bay County, FL offers a diverse array of real estate opportunities for buyers seeking homes in the $400,000 to $450,000 range. This charming region boasts a variety of styles, from modern coastal contemporary designs to more traditional family homes, catering to a wide range of tastes and preferences. Many properties are located near beautiful beaches, vibrant community parks, and top-rated schools, making this area an attractive option for families, retirees, and investors alike. As more people discover the allure of Bay County's welcoming atmosphere, burgeoning local amenities, and stunning natural beauty, the housing market continues to thrive, providing ample options for potential homeowners.

Our website features the best real estate search for homes between $400,000 and $450,000 available in Bay County, FL and surrounding areas. It is the only site you will ever need! It is easy-to-use and updated by the official REALTOR®’s database every 15 minutes. 

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Newest Bay County, FL Homes between $400,000 and $450,000 for Sale

$400,000
3 Beds 2 Baths 1011818 MLS 1,615 SqFt.
Location is a standout feature of this Panama City Beach home, ideally situated on the East End near the sugar-white sands and emerald waters of the Gulf of Mexico. This 3-bedroom, 2-bath home features a 2-car garage, fenced backyard, screened porch and outdoor patio with beautiful pergola and all just minutes from the beach, dining, shopping and some of the area's most popular attractions. Inside, granite countertops, stainless steel appliances and wood-look tile flooring create an inviting setting for everyday living. The primary suite includes a walk-in closet, while the screened porch and backyard patio offer additional space to relax, grill or gather after a day at the beach. The surrounding area offers plenty to explore. Nearby St. Andrews State Park is a favorite for swimming, snorkeling, kayaking, fishing and enjoying beautiful stretches of shoreline along both the Gulf and Grand Lagoon. Spend a day exploring Shell Island, known for its clear water, natural beaches and wildlife, or take advantage of the many boating and fishing opportunities throughout the Grand Lagoon area. Local marinas, fishing charters, dolphin tours, waterfront restaurants & water activities are all nearby. Some furnishings are negotiable. Panama City Beach also offers an abundance of restaurants, shopping, miniature golf, family attractions & entertainment, making it easy to enjoy a different adventure every day. With no HOA and short-term rentals allowed, this property offers flexibility as a primary residence, beach getaway or investment opportunity

8821 Laird St, Panama City Beach

$400,000
3 Beds 2 Baths 795293 MLS
Location is a standout feature of this Panama City Beach home, ideally situated on the East End near the sugar-white sands and emerald waters of the Gulf of Mexico. This 3-bedroom, 2-bath home features a 2-car garage, fenced backyard, screened porch and outdoor patio and pergola, all just minutes from the beach, dining, shopping and some of the area's most popular attractions. Inside, granite countertops, stainless steel appliances and wood-look tile flooring create an inviting setting for everyday living. The primary suite includes a walk-in closet, while the screened porch and backyard patio offer additional space to relax, grill or gather after a day at the beach. The surrounding area offers plenty to explore. Nearby St. Andrews State Park is a favorite for swimming, snorkeling, kayaking, fishing and enjoying beautiful stretches of shoreline along both the Gulf and Grand Lagoon. Spend a day exploring Shell Island, known for its clear water, natural beaches and wildlife, or take advantage of the many boating and fishing opportunities throughout the Grand Lagoon area. Local marinas, fishing charters, dolphin tours, waterfront restaurants and water activities are all nearby. Panama City Beach also offers an abundance of restaurants, shopping, miniature golf, family attractions and entertainment, making it easy to enjoy a different adventure every day. With no HOA and short-term rentals allowed, this property offers flexibility as a primary residence, beach getaway or investment opportunity in a convenient Panama City Beach location.

8821 Laird Street, Panama City

$450,000
4 Beds 2 Baths 1011811 MLS 2,039 SqFt.
Welcome to 909 Mallory Drive, a beautifully maintained 4-bedroom, 2-bath home built in 2022 in the desirable Northshore area of Panama City. One of the newer homes in the neighborhood, this property offers the comfort and efficiency of modern construction while giving you the benefit of a generous 0.31-acre homesite in an established community. Located at the end of a quiet cul-de-sac, the setting provides a peaceful atmosphere with minimal through traffic and plenty of room to enjoy your surroundings. With no HOA, you also have the freedom and flexibility to make the most of your property. Inside, the split-bedroom floor plan offers excellent separation and privacy, while the open living areas create an inviting environment for both everyday life and entertaining. The stylish kitchen combines modern finishes with a functional layout, making it a natural gathering point for family and guests. One of the biggest advantages of this home is its 2022 construction. Buyers can enjoy the benefits that come with a relatively new property, including newer major systems, modern electrical and plumbing, energy-efficient windows and insulation, contemporary finishes, and construction designed around today's standards. It also means fewer immediate renovation projects and less likelihood of facing the major updates that can come with an older home. The outdoor space adds another layer of value. The fully fenced backyard is spacious enough for outdoor activities, pets, gardening.

909 Mallory Dr, Panama City

$429,000
4 Beds 3 Baths 795265 MLS
Open House this Sunday (9/13) from 1pm to 3pm. Gates will be open! A beautiful home in the desired Laird Point community. Pride of ownership is on display from the moment you arrive. Enter into a bright and airy open concept main space featuring stunning hardwood floors, recessed lighting, and trayed ceilings. 9ft ceilings throughout the entire home. A breath-taking kitchen boasting custom cabinetry, granite countertops, and subway tile backsplash. The oversized bar is the heart of the home connecting the kitchen to the living room. A beautiful dining space. Master suite offers plenty of natural light and huge walk-in closet with built-ins. Master bath has a custom tile shower. separate garden tub, and double vanities with granite top. Two guest rooms and guest bath are also on the main level. Both guestrooms are nice sized with built-ins in the closets. Guest bath features granite counters as well. Laundry room is on the first floor. Take the staircase to the 2nd level which offers an oversized bonus room and full bathroom. Could also be used as a 4th bedroom or mother-in-law suite. Large enough to use for 2 bedrooms if needed. A nice view of the bayou from this room. Walk-in attic and closet round out the second level. Back on the first level, take the French doors from the dining space to the covered patio, the perfect place to relax and unwind. The home backs up to a nature preserve and common area in the back and on one side giving it a private feel and just walking distance to the amenities. 2 car garage with high ceilings create more storage space. Panel and transfer switch for a generator. Laird Point is a gated waterfront community on a peninsula overlooking East Bay. Great proximity to fishing and boating, just minutes from Tyndall Air Force Base and Mexico Beach. Amenities include tennis, pickleball and a basketball court....Rv/boat storage...and a beautiful greenspace with a sitting area. Schedule your visit today!

926 Tidewater Lane, Panama City

$450,000
4 Beds 2 Baths 795211 MLS
Welcome to 909 Mallory Drive, a beautifully maintained 4-bedroom, 2-bath home built in 2022 in the desirable Northshore area of Panama City. One of the newer homes in the neighborhood, this property offers the comfort and efficiency of modern construction while giving you the benefit of a generous 0.31-acre homesite in an established community. Located at the end of a quiet cul-de-sac, the setting provides a peaceful atmosphere with minimal through traffic and plenty of room to enjoy your surroundings. With no HOA, you also have the freedom and flexibility to make the most of your property. Inside, the split-bedroom floor plan offers excellent separation and privacy, while the open living areas create an inviting environment for both everyday life and entertaining. The stylish kitchen combines modern finishes with a functional layout, making it a natural gathering point for family and guests. One of the biggest advantages of this home is its 2022 construction. Buyers can enjoy the benefits that come with a relatively new property, including newer major systems, modern electrical and plumbing, energy-efficient windows and insulation, contemporary finishes, and construction designed around today's standards. It also means fewer immediate renovation projects and less likelihood of facing the major updates that can come with an older home. The outdoor space adds another layer of value. The fully fenced backyard is spacious enough for outdoor activities, pets, gardening, entertaining, or creating your own private retreat. There is also room to explore the possibility of adding a private swimming pool, subject to applicable requirements. Additional features include a large storage shed, an irrigation well to help with lawn and landscaping maintenance, and an extended driveway offering extra parking and room for a boat, RV, or other recreational vehicles. Built in 2022. 4 bedrooms. 2 bathrooms. Approximately 0.31 acres. Cul-de-sac location. Fenced backyard. Pool potential. Irrigation well. Storage shed. Extended driveway. No HOA. Finding a home that combines modern construction with a larger lot in an established neighborhood is not always easy. 909 Mallory Drive offers the opportunity to enjoy a newer home today while having the land, flexibility, and outdoor space to make it your own. Come see why 909 Mallory Drive may be the perfect place to put down roots in Panama City.

909 Mallory Drive, Panama City

$414,900
4 Beds 3 Baths 795198 MLS
Welcome to 7208 Shady Oak Way, this pre-construction homesite offers the opportunity to secure new construction prior to groundbreaking. This property will be developed with the Ozark, a coastal luxury floorplan and built to current design standards and specifications. Buyers may have the ability to personalize select finishes depending on the stage of construction. Estimated completion timelines and build details available upon request. The Ozark plan is a beautiful two- story home offers 4-bedrooms with 3-bathrooms, a 2-car garage, and a seamless open layout. At just over 2,500 square feet, there is plenty of room to enjoy this home at the lovely Hodges Bayou Plantation community. As you enter the home on the first floor, you are met with the foyer featuring a full bathroom and first additional bedroom, perfect for guests. Walking past the foyer is a large open concept living space including the kitchen, living room and dining space. The kitchen includes quartz countertops, under mount sink, smooth top range, stainless steel appliances, pantry, stylish shaker cabinetry, and a center island. With natural light and nearby covered patio access, the living and dining area are integrated perfectly. Towards the back of the main living room is the primary bedroom. This bedroom is a spacious and relaxing space that includes an attached primary bathroom. The double vanity, separate toilet, shower and walk-in closet will provide a haven of relaxation. Returning to the foyer you will find stairs leading to the 2nd floor. The additional 2nd and 3rd bedrooms are both located on the 2nd floor with a gorgeous full bathroom. This bathroom features dual vanities, a soaking tub, and toilet. You will also find a second living space to use however it best fits your needs. In addition to all the features and amenities the Ozark Plan offers, each plan is built with our Smart Home technology package, designed to bring the convenience of life right to your fingertips. This plan is ideal for any size family. Come and see for yourself why the Ozark will be a popular floor plan for new home buyers. Don't forget to ask us about available upgrades and options for this home! To see this floor plan and learn more schedule an appointment online or give us a call.

7208 Shady Oak Way, Panama City

$449,999
4 Beds 2 Baths 795124 MLS
Welcome to 103 Arlington Drive, a beautifully updated waterfront home offering approximately 2,745 square feet, 4 bedrooms, 2 bathrooms, multiple living areas, and peaceful views of Lake Martin. The versatile split-bedroom floor plan places the water-view primary suite on its own wing, while the additional bedrooms and bath are located on the opposite side of the home. From the moment you enter, your view carries through the spacious living area and expansive Florida room to the backyard and lake beyond. The home offers plenty of room to gather, including a large dining room, family room with fireplace, and an updated kitchen featuring quartz countertops, stainless steel appliances, custom cabinetry, LED lighting, and an Instahot system. The oversized Florida room provides another exceptional living and entertaining space while taking full advantage of the backyard and water views. Since purchasing in 2022, the sellers have continued to improve the property with hurricane-impact windows and sliders throughout the main home, a new water heater, fresh interior paint, a complete hall bath plumbing upgrade, chimney cleaning and upgrades with a new cap, an A/C air scrubber, gutter leaf-filter screens, regrouted kitchen and family room floors, motion security lighting, and custom closet inserts in the primary and additional bedrooms. Outside, the approximately 0.26-acre property offers generous parking and space for a boat, RV, and guests, plus a detached 27x16 shop with 220V power and an additional 15x12 shop, providing excellent storage, workshop, or hobby space. With its combination of waterfront views, substantial square footage, multiple living spaces, extensive improvements, and convenient access to shopping, dining, schools, and Tyndall Air Force Base, 103 Arlington Drive offers a rare amount of space and versatility inside and out.

103 Arlington Drive, Panama City

$425,000
4 Beds 2 Baths 795103 MLS
What a beautiful home. Brand new home in 2025 as it was rebuilt after tornado damage. The home starts of with a very attractive presence from the road. The washed brick finish and well landscaped yard makes for a very attractive first impression. The large over 1/2 acre waterfront lot with dock allows boating access to Deer Point Lake while across from the dock is a non developed property leaving you plenty of privacy as well. The inside of the home is covered in beautiful oak like waterproof luxury vinyl flooring throughout. all the walls finished in light white finishings keeping the home bright and easy on the eyes. The color and design choice of the matching Granite Counter tops in the kitchen, bathrooms and pantry are the perfect blend between the colors of the floors and walls. The entire home is equipped with a complete water softening system This home is a true pleasure to view.. The rooms are spacious and the 4th room offers a office slash or additional bedroom given the new owners have the need for there growing family. The home was built by Guyson Construction. He is rapidly becoming known as one of the premier builders in our area with his excellent designs and quality of construction. Outside in the well manicured grounds the home sits up high and dry as the home being rebuilt in 2025 raises the home out of any previous flood areas. Of course we all enjoy the pleasure of an outside shower after a hard days work in the yard. All this and the home is priced very affordable for all this property has to offer. If you are in the market for a new home do yourself a favor and come see this very nice home. Additional pictures we be added by the middle of the week.

9135 Sunshine Drive, Youngstown

$405,000
1 Beds 2 Baths 795053 MLS
Experience ultimate relaxing getaways at this beachfront Sterling Breeze condo in Panama City Beach, FL. Located at 16701 Front Beach Rd Unit 1803, this beachside retreat offers unparalleled views of the Gulf and direct access to pristine white sand beaches and crystal clear waters of Panama City Beach. Unit 1803 conveys truly turn-key to include: all furnishings and decor, kitchen appliances and cooking/dining essentials, washer and dryer and outdoor furnishings to include: rocking Adirondack chair and table set to watch the most beautiful sunsets. The Seller has replaced the HVAC in 2025 and had the interior freshly painted September 2025. Water heater 2019. Step inside this beautifully appointed condo and you will be greeted by modern amenities, serene & relaxing beach decor. Sterling Breeze offers resort style amenities with direct beach access and complimentary beach service: 2 chairs and umbrella for owners, a beachfront pool, hot tub, fire pit and poolside bar with food, snacks and drinks. Sterling Breeze also has an on-site souvenir shop with beach essentials. The fitness center was recently renovated and is fully equipped with treadmills, weights ellipticals, etc. Enjoy beach excursions, rent paddle boards, jetskis, or go parasailing right from the resort. Sterling Breeze is also pet friendly as owners and guests are allowed to bring pets. Whether you're looking for primary residence, 2nd home, or vacation rental property, this community has it all!

16701 Front Beach Road Unit 1803, Panama City Beach

$435,000
3 Beds 2 Baths 795024 MLS
Welcome to this fabulous Lynn Haven/Northshore area home featuring an INGROUND SALTWATER POOL and an inviting outdoor living space! This bright and beautifully maintained 3-bedroom, 2-bath home offers an open floor plan with an updated kitchen featuring granite countertops and upgraded stainless-steel appliances. Tile and luxury vinyl plank flooring flow throughout the home for a stylish, low-maintenance finish. The floor plan includes a breakfast room plus additional space for formal dining. The desirable split-bedroom layout provides privacy, while the spacious primary suite features a large sitting area and a deluxe bath with double vanities, garden tub, and custom-tiled walk-in shower. The great room offers a cozy electric fireplace that serves as a beautiful focal point. Step outside to your private backyard oasis! The yard is privacy fenced and includes an additional protective vinyl pool fence surrounding the sparkling saltwater pool. Plenty of outdoor entertaining space, along with a lovely covered gazebo, makes this backyard ideal for relaxing or hosting guests. A private well services the sprinkler system. The home also offers excellent storage, including pull-down attic stairs in the garage. All appliances, including the washer and dryer, as well as three TVs, convey with the home. A wonderful combination of comfortable living, desirable upgrades, and resort-style outdoor amenities in a fantastic Lynn Haven location!

1505 Maryland Avenue, Lynn Haven

$435,000
4 Beds 4 Baths 794966 MLS
OPEN HOUSE THIS SATURDAY 1-4PM! Like-new Camden model home with a 3-car garage in the sought after Bridge Harbor community, conveniently located near Tyndall AFB. Homes offering this combination of space, upgrades, flexibility, and thoughtful additions are hard to find. From the moment you walk in, you'll notice the luxury vinyl plank flooring, 9-foot ceilings, and elegant trey ceilings featured throughout the study, dining room, living room, and spacious primary suite. The open-concept design creates an effortless flow for everyday living and entertaining. The floor plan offers incredible flexibility with a Jack and Jill bathroom, guest half bath, and a spacious additional bedroom complete with its own private ensuite bathroom and flex area. Use it as an office, second living space, guest suite, or a comfortable setup for multigenerational living or extended guests. At the heart of the home, the kitchen features a large center island, granite countertops, and a generous breakfast nook that is perfect for casual meals or morning coffee. Smart living is already built in with a full Smart Home package, including Kwikset keyless entry, SkyBell video doorbell, automated porch lighting, and a touch panel controlling the thermostat, lighting, front door, and more. Exterior security cameras and motion lighting add an extra layer of peace of mind. Situated on a desirable corner lot, this home also offers a screened-in back porch with a convenient doggie door, a large backyard surrounded by a 6-foot privacy fence, and double gate access for additional parking. The sellers have added thoughtful upgrades including laundry room storage cabinets and a utility sink, ceiling fans throughout, and additional shelving in the garage. A full sprinkler system and gutters add even more convenience. If you've been waiting for a home that feels like new but already has the upgrades and extras you would want to add yourself, this one deserves your attention. Space, flexibility, smart technology, a 3-car garage, and a fantastic location near Tyndall AFB, all in one package.

301 Allie Way, Panama City

$410,000
2 Beds 3 Baths 1005275 MLS 1,148 SqFt.
SELLER FINANCING AVAILABLE. FIFTH-FLOOR DEEDED PARKING. TWO BEDROOMS PLUS BUNK AREA WITH THREE FULL BATHROOMS. Shores of Panama Unit 1207 in Panama City Beach, Florida offers a smart, rental-ready floor plan with the kind of practical features buyers notice quickly. This desirable 'B' floor plan features two bedrooms, a bunk area, and three full bathrooms, giving the layout more flexibility than a typical two-bedroom condo. One of the standout advantages of Unit 1207 is the fifth-floor deeded parking space, offering convenient access within the resort's parking structure. Owners and guests also have the option to drive up to the 12th floor to take advantage of additional parking when available, adding another layer of convenience for this higher-floor residence. Positioned on the west side of the building, Unit 1207 features balcony views of the resort-style lagoon pool along with coastline views across Panama City Beach. The condo is being offered fully furnished and rental-ready, with a full-size front-load washer and dryer, black appliances, fresh paint, wood flooring throughout the main living areas, and tile in the kitchen and bathrooms. An owner's closet adds valuable private storage, a detail that can make a meaningful difference for personal use or rental ownership. The owner currently self-manages the property, offering flexibility for future owners who wish to continue self-management or select their preferred rental management company. Shores of Panama Resort features one of Panama City Beach's most recognizable gulf-front lagoon pool settings. The zero-entry tropical pool includes palm-lined islands, fountains, and a spacious hot tub set along the resort's private beachfront access. Additional amenities include an indoor heated pool and hot tub, a 24-hour fitness center, and a seasonal poolside tiki bar. Located in the heart of Panama City Beach, Shores of Panama places dining, shopping, and entertainment nearby. Pineapple Willy's is adjacent to the resort, while Laketown Wharf directly across the street offers several dining, retail, and entertainment options, including Wharf Seafood Buffet, The Candymaker Ice Cream Shop, PCB Pizza, In Cahoots, The Press, The Bun Lab, 810 Billiards & Bowling, salon services, and more. Panama City Beach has also welcomed several newer attractions and entertainment venues, including Dolly Parton's Pirates Voyage Dinner & Show, Topgolf, McGuire's Irish Pub, and Tootsie's Orchid Lounge. HOA dues are $4,419.50 per quarter. All information, including HOA fees, is deemed reliable but should be verified by buyers if important.

9900 S Thomas Dr Unit 1207, Panama City Beach

$449,990
3 Beds 2 Baths 794866 MLS
VA ASSUMABLE LOAN AT 2.75% for a qualified buyer! That alone makes 1186 Eisenhower Circle worth a closer look. This 3-bedroom, 2-bath home with a bonus room in Lynn Haven, Florida offers more than 2,200 square feet, beautiful hardwood flooring, a fully fenced backyard and an expanded outdoor living space designed for enjoying Florida year-round. Built by Arthur Rutenberg, this home has been beautifully maintained and thoughtfully updated with an open floor plan that gives you plenty of room to gather and spaces to spread out. One of the updates you'll notice immediately is the flooring. Hardwood has been added to all three bedrooms to match the existing hardwood throughout the main living areas, giving the home a seamless look with no carpet. Coordinating LVP was added to the bonus room, creating flexible space for an office, media room, playroom or additional living area. Crown molding, tray ceilings, recessed lighting, custom window treatments and large windows add to the bright, finished feel throughout the home. The kitchen is right at the center of it all, opening to the living and dining areas and featuring white cabinetry, granite countertops, stainless steel appliances, a large pantry and an oversized island with plenty of seating. It's an easy layout for everyday life and even better when everyone ends up gathered around the kitchen. The primary suite offers a spacious bedroom, walk-in closet and private bath with double vanity and tiled walk-in shower. Two additional bedrooms and the bonus room give you plenty of options for how you use the space. But don't stop at the back door. The outdoor living space has been significantly expanded with a large patio, sail coverings for shade and added privacy, creating a great place for grilling, dining or simply relaxing outside. Even with the expanded patio, there's still a large, fully fenced backyard with plenty of room to enjoy. Additional features include a two-car garage with Tesla/EV charger, paver driveway, brick accents, attractive landscaping and a tankless water heater. A 2.75% assumable VA loan, more than 2,200 square feet, no carpet, bonus room, fenced backyard and expanded outdoor living--1186 Eisenhower Circle offers a combination that's hard to overlook. Come see how well this Lynn Haven home lives.

1186 Eisenhower Circle, Lynn Haven

$449,990
3 Beds 2 Baths 1011006 MLS 2,158 SqFt.
VA ASSUMABLE LOAN AT 2.75% for a qualified buyer! That alone makes 1186 Eisenhower Circle worth a closer look. This 3-bedroom, 2-bath home with a bonus room in Lynn Haven, Florida offers more than 2,200 square feet, beautiful hardwood flooring, a fully fenced backyard and an expanded outdoor living space designed for enjoying Florida year-round. Built by Arthur Rutenberg, this home has been beautifully maintained and thoughtfully updated with an open floor plan that gives you plenty of room to gather and spaces to spread out. One of the updates you'll notice immediately is the flooring. Hardwood has been added to all three bedrooms to match the existing hardwood throughout the main living areas, giving the home a seamless look with no carpet. Coordinating LVP was added to the bonus room, creating flexible space for an office, media room, playroom or additional living area. Crown molding, tray ceilings, recessed lighting, custom window treatments and large windows add to the bright, finished feel throughout the home. The kitchen is right at the center of it all, opening to the living and dining areas and featuring white cabinetry, granite countertops, stainless steel appliances, a large pantry and an oversized island with plenty of seating. It's an easy layout for everyday life and even better when everyone ends up gathered around the kitchen. The primary suite offers a spacious bedroom, walk-in closet and private bath with double vanity and tiled walk-in shower. Two additional bedrooms and the bonus room give you plenty of options for how you use the space. But don't stop at the back door. The outdoor living space has been significantly expanded with a large patio, sail coverings for shade and added privacy, creating a great place for grilling, dining or simply relaxing outside. Even with the expanded patio, there's still a large, fully fenced backyard with plenty of room to enjoy. Additional features include a two-car garage with Tesla/EV charger, paver driveway, brick accents, attractive landscaping and a tankless water heater. A 2.75% assumable VA loan, more than 2,200 square feet, no carpet, bonus room, fenced backyard and expanded outdoor living--1186 Eisenhower Circle offers a combination that's hard to overlook. Come see how well this Lynn Haven home lives.

1186 Eisenhower Cir, Lynn Haven

$429,000
2 Beds 2 Baths 794843 MLS
Why wait to build when you can start enjoying the lifestyle today? This FULLY FURNISHED nearly new Camellia Cottage offers all the benefits of new construction without the wait, the added expense of furnishing, or the countless upgrade decisions. Located in desirable Phase 4 of Latitude Margaritaville Watersound, this beautifully appointed 2-bedroom, 2-bath home is completely move-in ready, allowing you to begin enjoying resort-style living from day one. Step through the upgraded glass front door into an inviting, light-filled interior where plantation shutters, recessed lighting, designer paint, upgraded laminate flooring, and carefully selected furnishings create a warm, sophisticated coastal atmosphere. At the center of the home, the open-concept living area is designed for effortless entertaining and everyday comfort. The upgraded kitchen is both beautiful and functional, featuring Level 5 cabinetry with pull-out shelving, a pots-and-pans drawer, crown molding, matte black hardware, an extended island with upgraded pendant lighting, a gas range, undermount single-bowl sink, Advantage French-door refrigerator, and a charming coffee and wine bar that's perfect for starting or ending the day. The adjoining living room is enhanced with decorative ceiling beams and a stylish ceiling fan, creating a comfortable gathering space for family and friends. The spacious primary suite offers a peaceful retreat with a custom closet organization system and a spa-inspired bath showcasing upgraded Level 5 cabinetry, cabinet stack drawers, and a floor-to-ceiling tiled walk-in shower with a seamless glass enclosure. Guests will feel right at home with a private bedroom and beautifully finished full bath nearby, while practical features such as televisions in every room, a laundry room with upper cabinetry, Whirlpool washer and dryer with pedestals, and a garage utility sink add everyday convenience. Best of all, the home is being sold FULLY FURNISHED. Simply unpack your suitcase and start enjoying everything this exceptional community has to offer. Life here feels like a permanent vacation. Spend the afternoon beside the Paradise Pool, stay active in the state-of-the-art fitness center or indoor lap pool, challenge friends to pickleball or tennis, explore miles of walking and golf-cart paths, or enjoy kayaking, live entertainment at the Last Mango Theater, creative classes in the Clayground pottery studio and woodworking shop, a vibrant monthly farmers market, and countless clubs and social events. Even your four-legged family members have their own paradise at Barkaritaville Dog Park and the on-site pet groomer. The low-maintenance lifestyle is one of the community's greatest luxuries. Outside the community, the future is just as exciting. A new Publix is under construction, additional shopping and dining are on the way, a future marina is planned nearby, and a new hospital is being built just minutes from home making this location even more desirable. Whether you're looking for a full-time residence or a seasonal escape, this exceptional home offers something that's hard to find: the opportunity to skip the construction process and immediately enjoy a beautifully upgraded, professionally furnished home in one of Florida's most desirable active adult communities. The upgrades are complete. The furnishings are included. The lifestyle is waiting.

8671 Shell Sink Drive, Panama City Beach

$449,000
2 Beds 2 Baths 794721 MLS
Welcome to your own slice of paradise in Latitude Margaritaville Watersound! This highly sought-after Aloha cottage floor plan is ideally situated in one of the community's most desirable, close-in phases, just moments from Town Square and the heart of the action. Primarily enjoyed as a vacation home and meticulously maintained, this 2BR plus den home shows like new and is truly move-in ready. Inside, thoughtful upgrades and designer finishes create a bright, coastal-inspired retreat. The beautifully appointed kitchen features white cabinetry, quartz countertops, a full-height quartz backsplash, and an upgraded electric convection range. Laminate flooring flows seamlessly throughout the main living areas, kitchen, and bedrooms, while the bathrooms and laundry room feature easy-care tile flooring. Recessed LED lighting enhances the kitchen, living room, porch, hallway, and both bedrooms, while designer light fixtures and ceiling fans add style throughout. All major appliances convey with the home. The spacious primary suite provides a relaxing private retreat, complete with a custom closet system for exceptional organization. The ensuite bath features white cabinetry with stacked drawers, quartz countertops, and an impressive walk-in shower finished with floor-to-ceiling tile. Additional upgrades and features include extensive additional landscaping and full gutter system, a screened porch with polyaspartic floor coating, glass front door with shade, custom window shades, polyaspartic-coated garage floor, designer lighting and ceiling fans. Every detail has been thoughtfully selected to provide comfort, style, and effortless Florida living. Whether you're looking for a full-time residence, vacation getaway, or investment property, this exceptional cottage offers the perfect opportunity to enjoy everything Latitude Margaritaville Watersound has to offer. Life here is all about fun, friendship, and the freedom to enjoy every day like a vacation. This vibrant 55+ active adult resort-style community offers an unparalleled coastal lifestyle centered around its lively Town Square, where live entertainment fills the air daily and especially on Friday and Saturday evenings. Residents enjoy an impressive array of amenities, including resort-style pools, a state-of-the-art fitness center, group exercise classes, yoga, spin, water aerobics, a lap pool and spa, along with miles of walking, biking, and golf cart trails. Sports enthusiasts can enjoy pickleball, tennis, and bocce, while adventure seekers can launch a kayak and explore the waterways. The community also offers an incredible variety of social and creative spaces, including the Last Mango Theater, ceramics and woodworking studios, pet grooming facilities, and a dedicated dog park. Convenient trails and an underpass provide safe, easy access throughout the neighborhood and to the community's many amenities. The low-maintenance lifestyle means more time for what matters most, with lawn care and exterior painting/roof replacement on a maintenance schedule included in the HOA dues. The home also benefits from a 2/10 structural warranty from the original buyer's closing date. A future on-site shopping complex, currently under construction, is planned to include a Publix grocery store along with additional dining and shopping options, and a public marina is planned for the property. A new hospital is also currently under construction approximately five miles away. With easy access to the sugar-white beaches of the Emerald Coast, Panama City Beach, and the scenic communities of 30A, boating, beach days, dining, and exploring are all within easy reach. Imagine starting your morning with a peaceful cup of coffee on the screened porch, spending the afternoon by the resort-style pool, enjoying a sunset golf cart ride, and ending the evening with live music and cocktails with friends and neighbors. At Latitude Margaritaville Watersound, every day really can feel

8660 Tropics Avenue, Panama City Beach

$410,000
2 Beds 2 Baths 794713 MLS
Beautifully updated 2-bedroom, 2-bath condo with a bunk room and Gulf views at Laketown Wharf! This spacious residence sleeps 8+ and features an open floor plan, expansive balcony, granite countertops, breakfast bar and a private primary suite with double vanity, garden tub and separate shower. Standout upgrades, Gulf views and a prime location at Laketown Wharf! Unit 1123 is a beautifully reimagined with wall-to-wall luxury vinyl plank flooring and a polished mid-century-meets-coastal-chic design.The fully updated kitchen elevates this residence with premium granite countertops, modern cabinetry, upgraded lighting and premium stainless-steel appliances. The redesigned primary bathroom feels like a private retreat, featuring a spacious walk-in shower with premium wall tile, an updated dual vanity, upgraded lighting, gold accents and a classic soaking tub. Step onto the expansive balcony for a Gulf view overlooking Pineapple Willy's and stretching east along the coastline. The spacious open floor plan comfortably accommodates eight or more guests, making the unit equally appealing as a beach getaway or vacation-rental investment. Located across from the beach, Laketown Wharf offers five pools, convenient beach access, a Gulf-view fitness center, kids' playground, covered parking, on-site dining and a 52,000-square-foot lakefront boardwalk with a nightly fountain and light show. Shopping, dining and entertainment are just minutes away.

9860 S Thomas Drive Unit 1123, Panama City Beach

$424,900
2 Beds 2 Baths 794559 MLS
TURNKEY LUXURY AT LATITUDE MARGARITAVILLE! Welcome to 9320 Cool Breeze Dr, a highly upgraded Camellia Cottage conveying fully furnished in the highly sought-after 55+ community of Latitude Margaritaville Watersound. Situated in Phase 6A, this home offers a prime location with its own dedicated gate and no neighborhood cut-through traffic, all while remaining a convenient golf cart ride to Town Square rather than the longer drive from later phases. This turnkey opportunity completely bypasses new construction waitlists, builder timelines, and furniture delivery delays for an immediate move-in ready experience. Inside, the open layout is elevated by 8-foot interior doors, upgraded large-format porcelain tile flooring flowing continuously throughout, and ceiling beams that add style to the main gathering area. The kitchen features premium cabinetry accented by upper and under-cabinet ambient lighting, quartz countertops, an undermount sink, gas range, and a custom walk-in pantry with wood shelving. The primary suite serves as a spacious retreat, complete with a custom closet system and an ensuite bath featuring floor-to-ceiling tile in the walk-in shower, a frameless glass enclosure, and a quartz double vanity. Outdoor living is easy on the private screened lanai finished with durable epoxy flooring, perfect for morning coffee or relaxing evenings. The attached two-car garage is equally well finished with matching epoxy floors, a utility sink, and an upgraded, low-noise, ''smart'' garage door opener that has a camera and can be opened remotely. Cottage HOA dues provide low-maintenance peace of mind by covering exterior lawn care, scheduled exterior repainting, and roof replacement schedules. Located just 7 miles from the white-sand beaches of the Emerald Coast, this community sits directly along the Intracoastal Waterway. Residents enjoy world-class amenities including the resort-style Paradise Pool, the two-story Bar & Chill restaurant, Fins Up! Fitness Center with an indoor lap pool and spa, tennis and pickleball courts, kayak launch, Barkaritaville dog park, Last Mango Theater, and regular live entertainment at the bandshell. With the new Publix town center and healthcare facilities nearby, everything needed for effortless coastal living is right at hand. Pack the bags, bring the golf cart, and welcome to paradise! Schedule your showing today. A video tour is also available

9320 Cool Breeze Drive, Panama City Beach

$429,900
3 Beds 2 Baths 794510 MLS
NEW CONSTRUCTION 2026 | NOW FULLY FURNISHED AND RENTAL-READY High-Quality Build in a Prime Location Near 30A! NO HOA FEES | SHORT- TERM RENTAL ALLOWED | Estimated gross rental income potential of up to $60,000 annually. This beautifully designed 3-bedroom, 2-bathroom home offers the perfect combination of comfort, style, and investment potential. Whether you're searching for a primary residence, vacation getaway, or income-producing property, this home is a rare opportunity in one of Panama City Beach's fastest-growing areas. The open-concept layout features 9-foot ceilings, plenty of natural light, a spacious living area, and a modern kitchen with brand-new stainless steel appliances and upscale finishes. Custom European-style accent walls add a designer touch and make the space feel special. Each bedroom includes tray ceilings and built-in closets, while the bathrooms showcase sleek modern finishes, stylish mirrors, and a tiled glass shower for an elevated look. The home also features a dedicated laundry room with washer and dryer hookups. The 40-foot driveway provides parking for up to 4 vehicles. The fully fenced backyard includes a private well and an already installed sprinkler system for easy landscape maintenance year-round. The oversized backyard also offers the potential to add a pool or create additional outdoor living space. There is also an opportunity to extend the backyard if desired, as additional land behind the fence may be utilized for even more outdoor space and future possibilities. Located in a quiet neighborhood just minutes from beach access, Inlet Beach, Rosemary Beach, and the popular dining, shopping, and entertainment along 30A. High-quality construction, excellent rental potential, and an unbeatable location make this property a standout opportunity. SCHEDULE YOUR SHOWING TODAY !

722 Gulf View Drive, Panama City Beach

$425,000
4 Beds 2 Baths 794455 MLS
Beautifully remodeled home in Panama City's highly sought-after Cove neighborhood! From the moment you enter, you will appreciate the spacious open floor plan, vaulted ceiling, recessed lighting, and luxury vinyl plank flooring throughout. The modern kitchen is designed for everyday living and entertaining, featuring an impressive 9-foot island, pantry, refrigerator with water and ice dispenser, and a self-cleaning glass-top range that even has a bread-proofing feature. The island has a hidden power bank. Both bathrooms feature double vanities and attractive tilework. The hallway bath has a tub/shower and the master ensuite has a tiled stand up shower. The owner has added a large back deck, creating a wonderful space for morning coffee, evening relaxation, and entertaining. A backyard shed provides additional storage, and the home also features a concrete driveway. The backyard is now completely privacy fenced with a double gate to allow alley access. Located just half a block from Sudduth Park, residents can easily enjoy the baseball diamond and playground. Cherry Street Elementary is within walking distance, and downtown Panama City is accessible by bicycle or golf cart for the Saturday farmers market, festivals, shops, live music, dining, and community events. Along the way, enjoy the scenic Beach Drive area, where the Cove Events Committee hosts its Fourth of July celebration. The neighborhood also embraces its golf-cart lifestyle with festive parades for Christmas, Halloween, and the Fourth of July. This updated Cove home offers a wonderful combination of modern comfort, outdoor living, and a convenient neighborhood location! Information is deemed reliable but not guaranteed. All measurements and property details are approximate and should be verified by buyer.

112 N Gayle Avenue, Panama City

$449,900
5 Beds 4 Baths 794401 MLS
Welcome to the Embry, a new home floor plan at Hodges Bayou in Panama City, Florida. The Embry plan is a 5-bedroom, 3.5-bathroom two-story home with over 2800 Sq. Ft. and a two-car garage. As you step inside, you're greeted by a versatile flex space right off the foyer--perfect for a bright home office, a formal dining room, or a cozy reading nook. The open-concept design flows seamlessly into the heart of the home: a stylish kitchen featuring sleek stainless-steel appliances, crisp white cabinetry, and a massive center island. This space connects directly to an expansive great room, creating the ultimate hub for daily life and entertaining guests. The main-level primary suite is designed as a peaceful retreat, offering a private escape from the hustle and bustle. The en-suite bathroom combines function and luxury, boasting a double vanity, private water closet, spacious shower, a relaxing garden soaking tub, and an oversized walk-in closet. Upstairs, you'll find a large, flexible living area ideal for a game room, media center, or family hangout. Four generously sized secondary bedrooms share two full bathrooms, providing ample room for everyone. One bedroom even includes a private, attached bathroom--perfect for guests or a teen suite. On the outside of this home, you'll see durable Hardie board siding on all sides of the home. There is also a covered front patio area for you to sit and enjoy the beautiful Florida weather. Located in the fast-growing Panama City area, this new construction home in Hodges Bayou is equipped with modern Smart Home Technology to simplify your life. Don't miss your chance to own in this premier community--contact us to tour the Embry plan today!

7217 Shady Oak Way, Panama City

$410,000
3 Beds 2 Baths 794339 MLS
Open House Saturday the 12th 1p.m. to 3 P.m. Welcome to this spacious and inviting custom-built home on almost half an acre, offering generously sized bedrooms, 3 bedrooms. 3rd bedroom was customized to use an armoire for closet space and consists of double windows and jack and jill entrance to master bath, this 3rd bedroom could be used as office space or perfect for a nursery or sitting area for master bedroom. Comfortable living space with a large open great room and open dining room with plenty of room to enjoy the outdoors. The open floor plan welcomes you in, and with a split bedroom plan you have privacy. The kitchen features Corian countertops, solid oak cabinets with plenty of cabinet space, Jenn-Air cooking island, open dining with French doors leading out to the spacious Florida room with windows and AC. There is a large laundry area leading to the garage. The Laundry area has 2 closets for space, and room for a freezer. The double garage offers a workshop with AC and electricity, making it ideal for a workshop, hobby area, or additional workspace in the 2-car garage. The garage is equipped with a roll-up door for easy access to the backyard. A separate storage shed and pump shed in the backyard provide extra space for storage and a work area. The well is under cover in the pump house and is a deep well and the septic tank in in the front, leaving space in the backyard for storage or a pool. Custom construction of the home with extra features as: 2x6 studs in vertical exterior structure framework creating thicker wall construction. 40 year warranty on Metal Roof Double hurricane clips on roof Double rods in the walls with 4' nailing pattern Water softener owned Deep Well Newer AC and Roof Sprinklers front and back yard. Step outside and discover a large backyard with a wooded area and a small stream. The stream winds through the wooded portion of the property and opens into a narrower section that may offer an opportunity for kayaking, fishing, or just creating a unique outdoor setting for nature lovers. For boating enthusiasts, Cherokee Landing Boat Ramp is conveniently located approximately three minutes away, providing easy access to the water. This property offers a combination of spacious living, excellent storage, workshop potential, and a peaceful natural setting--all in a convenient Youngstown location. All measurements are approximate and should be verified by the buyer.

9107 Sunshine Drive, Youngstown

$425,000
3 Beds 2 Baths 794252 MLS
Welcome to this beautifully remodeled and meticulously maintained home in the highly desirable, centrally located Forrest Park neighborhood! Offering approximately 2,224 square feet of living space, this home sits on an impressive nearly half-acre corner lot with immaculate landscaping and no HOA. Inside, you'll find a thoughtfully updated interior featuring LVP flooring throughout, granite countertops, crown molding, and a spacious primary suite. The home also offers a versatile second living area and additional den, which can easily serve as a third bedroom, home office, or game room to fit your lifestyle. Step outside and enjoy the back porch, stained privacy fence, and beautifully landscaped yard. A standout feature is the 30' x 20' detached storage building, complete with lighting, electricity, and a roll-up door. The generous size and convenient roll-up access make it ideal for parking additional vehicles, a boat, recreational equipment, or creating the ultimate workshop/hobby space. The property also features a sprinkler system supplied by a separate well, a water softener system, and a tankless water heater. The partially finished garage provides even more flexibility for storage, parking, or additional usable space. Located just minutes from shopping and schools and only approximately 15 minutes from the beach, this home combines convenience, space, and quality updates in a highly sought-after location. Square footage note: The property appraiser reflects approximately 1,828 square feet, while the sellers have added approximately 400 additional square feet. The approximate total square footage is agent-measured and should be independently verified by the buyer and buyer's agent. This well-cared-for home offers an exceptional combination of location, upgrades, outdoor space, additional parking/storage, versatility, and no HOA--a rare opportunity in Forrest Park!

830 Brandeis Avenue, Panama City

$439,900
2 Beds 3 Baths 794232 MLS
Sunset Bayfront Retreat - Updated & Move-In Ready in Gated Harbour Village Discover peaceful waterfront living at its finest in Harbour Village, a boutique 2006-gated community of only 116 residences on the serene shores of St. Andrews Bay. This lovingly maintained 2nd-floor condo offers the perfect blend of modern comfort and timeless coastal charm in Historic St. Andrews -- a vibrant 19th-century fishing village now filled with marinas, artisan shops along Beck Avenue, and farm-to-table favorites just steps away. No short-term rentals means a true residential sanctuary year-round. Unit 202 is all about those magical west-facing views. Step onto your private balcony -- accessible from both the living room and primary suite -- and watch breathtaking sunsets paint the bay, dolphins playing in the harbor, and boats gliding by. Thoughtfully upgraded with custom finishes and tasteful décor, this home feels warm, sophisticated, and genuinely cared for -- the kind of place that instantly feels like home. Enjoy resort-style amenities that elevate everyday living: • Heated waterfront pool with sweeping bay views • State-of-the-art fitness center • Spacious community room for gatherings • Cozy outdoor fireplace for fireside evenings • Private marina with deeded boat slips (none assigned to this unit) St. Andrews living at its best: stroll to the marina, shaded boardwalks at Oaks by the Bay Park, Saturday farmers market, and local gems like Alice's on Bayview, Uncle Ernie's, and Finns. Quick access via US 98 to Panama City Beach, and everything Northwest Florida has to offer. This cherished, family-owned condo has been meticulously maintained and is now ready for its next chapter. Motivated sellers are ready to welcome the right buyer who will love it as much as we have. Rare west-facing bay views like these don't last long in Harbour Village. Schedule your private showing today and experience why this feels like coming home to the water.

3001 W 10th Street Unit 202, Panama City

$415,000
1 Beds 2 Baths 1010028 MLS 923 SqFt.
Don't miss this opportunity to own the most affordable L floor plan currently available in Tidewater Beach Resort, one of the building's most sought-after layouts, featuring a Gulf-front primary bedroom with direct balcony access. Located on the desirable 6th floor, this furnished 1-bedroom, 2-bath condo offers 923 square feet with beautiful Gulf and beach views from both the primary bedroom and living area. For investors, the combination of a Gulf-front primary bedroom and desirable lower-floor location provides two highly marketable features that can help maximize rental appeal and income potential in Panama City Beach's competitive vacation rental market. The L floor plan offers an open bunk area near the second full bathroom, providing additional sleeping space for family and rental guests. A dedicated storage closet outside the unit adds valuable space for owner belongings, rental supplies, or beach gear without taking up room inside the condo. Tidewater Beach Resort delivers an amenity-rich Gulf-front experience with direct beach access, two Gulf-front outdoor pools, a heated indoor pool, hot tubs, a 4,300-square-foot fitness center with Roman spa, sauna and steam room, movie theater, game room, on-site dining, coffee shop, and convenience store. Located on the west end of Panama City Beach and approximately half a mile from Pier Park, owners and guests have convenient access to shopping, dining, entertainment, and some of PCB's most popular attractions. Unit 615 brings together the right floor plan, the right floor, and an attractive price point for a buyer looking to add a Gulf-front Panama City Beach property to their investment portfolio while still having a beach getaway to enjoy with family and friends. This won't last long!

16819 Front Beach Rd Unit 615, Panama City Beach

$410,000
1 Beds 2 Baths 794178 MLS
Looking for a low-floor unit that avoids height concerns? This is the perfect choice for you. Welcome to an unparalleled coastal oasis at Calypso Tower III, where luxury meets the serene beauty of beachfront living. This one-of-a-kind 1-bedroom, 2-bathroom condo showcases exceptional design and high-end finishes, making it a truly remarkable find. Step inside to be captivated by the sophisticated ambiance, highlighted by shiplap accent walls at the kitchen bar, and custom-made bunkbed. Every detail has been meticulously curated, including high-end window treatments that enhance the elegance of the space while providing privacy and comfort. The custom-built bunk beds add a unique and functional touch, making this unit ideal for families and guests. Both bathrooms feature exquisite detailing, adding timeless charm that beautifully complements the overall coastal aesthetic. With premium finishes throughout, this condo is more than just a home--it's a statement of refined beachfront living. From the moment you enter, you'll appreciate the thoughtful design and luxurious touches that make this residence truly stand out. As a resident of Calypso Tower III, you'll enjoy an impressive lineup of amenities, including resort-style pools, a modern fitness center, on-site dining, and direct beach access, providing an enviable lifestyle just steps from the sand. Don't miss this opportunity to own an exceptional property that seamlessly blends luxury, comfort, and convenience in one of the most sought-after locations. Schedule your private showing today and experience the extraordinary allure of this beachfront gem.

15928 Front Beach Road Unit 3-510, Panama City Beach

$415,000
1 Beds 2 Baths 794135 MLS
Don't miss this opportunity to own the most affordable L floor plan currently available in Tidewater Beach Resort, one of the building's most sought-after layouts, featuring a Gulf-front primary bedroom with direct balcony access. Located on the desirable 6th floor, this furnished 1-bedroom, 2-bath condo offers 923 square feet with beautiful Gulf and beach views from both the primary bedroom and living area. For investors, the combination of a Gulf-front primary bedroom and desirable lower-floor location provides two highly marketable features that can help maximize rental appeal and income potential in Panama City Beach's competitive vacation rental market. The L floor plan offers an open bunk area near the second full bathroom, providing additional sleeping space for family and rental guests. A dedicated storage closet outside the unit adds valuable space for owner belongings, rental supplies, or beach gear without taking up room inside the condo. Tidewater Beach Resort delivers an amenity-rich Gulf-front experience with direct beach access, two Gulf-front outdoor pools, a heated indoor pool, hot tubs, a 4,300-square-foot fitness center with Roman spa, sauna and steam room, movie theater, game room, on-site dining, coffee shop, and convenience store. Located on the west end of Panama City Beach and approximately half a mile from Pier Park, owners and guests have convenient access to shopping, dining, entertainment, and some of PCB's most popular attractions. Unit 615 brings together the right floor plan, the right floor, and an attractive price point for a buyer looking to add a Gulf-front Panama City Beach property to their investment portfolio while still having a beach getaway to enjoy with family and friends. This won't last long!

16819 Front Beach Road Unit 615, Panama City Beach

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