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

5115 Gulf Drive Unit 1402, Panama City Beach
$415,000
1 Beds ⋅ 2 Baths ⋅ 797097 MLS
Welcome to your private slice of paradise! The Seychelles Resort Condominium is renowned for its awe-inspiring views of the Gulf's emerald waters and is ideally situated along 200 feet of pristine, sandy beach, just steps from the renowned Schooners Restaurant. This exquisite 883-square-foot, one-bedroom, two-bathroom residence--featuring hallway bunks--comfortably accommodates up to six guests and is being sold fully furnished. This gulf-front gem has been thoughtfully maintained and features approximately $40,000 in enhancements completed in 2022, creating a stylish and comfortable coastal retreat. The updates include new lighting, luxury vinyl plank flooring throughout, an extended kitchen counter with sleek quartz countertops, and coordinating quartz finishes in both bathrooms. Fresh paint throughout, including the kitchen and bathroom cabinetry, and refinished smooth ceilings add to the clean, modern feel. The private balcony features upgraded patio furniture, while a new washer and dryer was installed to provide added convenience. These well-planned improvements enhance the unit's appeal and offer a welcoming space to enjoy gulf-front living. Seychelles Resort offers an array of exceptional amenities, including two gulf-front pools, a hot tub, a well-equipped fitness center, a conference center, and onsite rental and property management services. Residents and guests enjoy the added benefit of secure, covered parking with a convenient walkover to the beach. HOA fees cover all utilities, including electricity. Centrally located off Thomas Drive, Seychelles Resort is just minutes from marinas, shopping, dining, entertainment, and the scenic St. Andrews State Park. With excellent rental income potential, this is your chance to own a piece of the World's Most Beautiful Beaches. All measurements are approximate and should be verified by the buyer.

5115 Gulf Drive Unit 1402, Panama City Beach

2204 Warbler Street, Panama City
$450,000
3 Beds ⋅ 2 Baths ⋅ 796912 MLS
Welcome to 2204 Warbler Street -- a beautifully designed Harris Doyle home featuring the desirable Magnolia III floor plan in Panama City's premier master-planned waterfront community, SweetBay. Built in 2024, this 3-bedroom, 2-bathroom cottage offers 1,551 square feet of thoughtfully designed living space, blending modern finishes, coastal charm, and low-maintenance living. Located in SweetBay's popular Cottage Collection, this home offers exceptional neighborhood amenities and the convenience of additional HOA-provided exterior maintenance. Step inside to a bright, open-concept layout designed for comfortable everyday living and effortless entertaining. The living area flows seamlessly into the dining space and kitchen, creating an inviting atmosphere that makes excellent use of the home's footprint. The kitchen features Quartz countertops, stainless steel appliances, and a functional layout for preparing meals or gathering with guests. Luxury vinyl plank flooring throughout the main living areas adds a stylish, durable finish that complements the home's coastal design. The primary suite offers a comfortable private retreat with a spacious walk-in closet and ensuite bathroom featuring a tiled shower. Two additional bedrooms provide flexible space for guests, a home office, or hobbies, while a second full bathroom adds convenience. With all bedrooms and living areas on one level, the Magnolia III floor plan delivers practicality without sacrificing comfort or style. Outside, the charming covered front porch is perfect for morning coffee or relaxing in the evening. A private garage provides convenient parking and storage. The backyard is a standout feature, with an extended concrete patio, artificial turf, and a fully fenced yard. Whether grilling, entertaining friends, or enjoying a quiet afternoon outdoors, this upgraded space offers an attractive, easy-care extension of the home with added privacy. A major benefit of the Cottage Collection is the additional maintenance provided through its HOA. Cottage services include lawn maintenance and annual exterior pressure washing, along with exterior repainting and roof replacement when those components reach the end of their useful life, subject to the association's governing documents and schedules. These services are designed to reduce routine exterior upkeep and support the appeal of low-maintenance homeownership. Buyers should verify the current cottage-specific HOA fees, documents, coverage, and any applicable assessments. Living in SweetBay means more than owning a home -- it's a lifestyle. This waterfront community offers resort-style swimming pools, basketball and recreational sports courts, playgrounds, neighborhood parks, miles of scenic walking and biking trails, grilling areas, fire pits, and green spaces. Residents can also enjoy a private community beach, dock, fishing, kayaking, paddleboarding, and access to North Bay. From afternoons by the pool to sunset walks along the waterfront, SweetBay makes it easy to embrace Florida's outdoor lifestyle. University Academy is conveniently located within the neighborhood, while the growing SweetBay Town Center brings Publix, Starbucks, dining, shopping, and everyday essentials close to home. Plans for a future marina add to the community's long-term vision. SweetBay also offers convenient access to downtown Panama City, historic St. Andrews, restaurants, shopping, and the white-sand beaches of Panama City Beach. Don't miss this nearly new Magnolia III cottage featuring an open-concept design, modern finishes, a private garage, an extended concrete patio, a turfed and fenced backyard, and Cottage Collection maintenance benefits. Discover comfort, convenience, and an amenity-rich coastal lifestyle at 2204 Warbler Street -- schedule your private tour today!

2204 Warbler Street, Panama City

6575 Lazar Lane, Panama City
$409,900
5 Beds ⋅ 3 Baths ⋅ 796857 MLS
Welcome to the Finn Plan, at Liberty our new home community in. Panama CIty Just under 2,600 square feet, this beautiful single- story home offers 5-bedrooms with 3-bathrooms, a 2-car garage, and a seamless open layout. When entering the home, you'll have easy access from the entry way to the first three bedrooms and guest bathroom. Continuing through the entryway you will find a large open concept living area. The great room blends seamlessly into the kitchen, dining space, and living room. The kitchen offers plenty of space and an island for additional counter space. The kitchen features quartz countertops and stainless-steel appliances, including a stove, dishwasher, and microwave hood combo would make any home chef's day. Directly off of the kitchen you will enjoy sharing a meal in your cozy breakfast space. Directly off of the breakfast space you will find the fourth bedroom and second guest bathroom. Moving through the open concept main living area, you'll find the primary bedroom. This bedroom is a spacious and relaxing space that includes the attached primary bathroom. Between the dual vanity, separate toilet, walk-in shower, and walk-in closet, your primary bedroom and bathroom can become a haven of relaxation. In addition to all the features and amenities our Finn Plan offers, each Finn is built with our Smart Home technology package, designed to bring the ease and convenience of life right to your fingertips. As a most popular favorite, this plan is ideal for any size family.

6575 Lazar Lane, Panama City

11483 Front Beach Road Unit 1004, Panama City Beach
$425,000
1 Beds ⋅ 2 Baths ⋅ 796712 MLS
Imagine waking up to these views. From the 10th floor of Edgewater Beach & Golf Resort, the Gulf of America stretches out before you from the living area, the balcony and even your primary suite. Step out for direct beach access, then spend the rest of the day on the golf course, tennis and pickleball courts, or shopping and dining nearby. This newly renovated and thoughtfully reimagined 1-bedroom, 2-bath condo offers everything that makes beach living so incredible. Every detail has been refreshed and designed with brand-new white oak LVP flooring, quartz kitchen counters, cabinetry, lighting, fresh paint and stylish coastal finishes. The result is a bright, airy home that is turnkey, fully-furnished and move-in ready. Tucked away for ultimate privacy, the primary ensuite is a peaceful coastal retreat, with captivating Gulf views just beyond your window. The private ensuite bath feels like a true spa escape. A second full bath with a walk-in shower and a stackable washer and dryer inside the unit make hosting guests in this gulf-front condo effortless. Step out onto the furnished balcony to take in sweeping Gulf vistas, pool decks and unforgettable sunsets. For the savvy investor, this condo brings a strong rental history, generating over $42,000 in gross rental income in the past 12 months. That makes it a smart addition to any real estate portfolio. You can also buy with confidence: the association has completed its SIRS (Structural Integrity Reserve Study) and milestone requirements and maintains healthy reserves. As Panama City Beach's only full-service resort, Edgewater offers an exceptional lifestyle. Amenities include a par-3 executive golf course, tennis, pickleball, basketball and shuffleboard, 11 pools (10 heated seasonally), 4 Gulf-front hot tubs and onsite dining. It's centrally located near Pier Park, St. Andrews State Park, and the area's best shopping and dining. Whether you're looking for a personal getaway, a second home or a proven income property, this turnkey Gulf-front retreat is one you won't want to miss.Rental income figures are based on prior performance and are not a guarantee of future results. Buyer to verify all information.

11483 Front Beach Road Unit 1004, Panama City Beach

142 Bonaire Drive, Panama City Beach
$425,000
3 Beds ⋅ 2 Baths ⋅ 796681 MLS
BEST-PRICED HOME ON THE WEST END OF PANAMA CITY BEACH! LOCATION, SPACE & COASTAL CHARM--THIS ONE HAS IT ALL! Dreaming of owning your own piece of paradise in Panama City Beach? Here's an opportunity you won't want to miss! Located in the popular, highly desirable golf-cart-friendly Summer Breeze community, this spacious 3-bedroom, 2-bath home with over 1,700 square feet of heated and cooled living space offers the perfect blend of comfort, convenience, and laid-back coastal living! LOCATION, LOCATION, LOCATION! Nestled on a quiet cul-de-sac between Front Beach Road and Panama City Beach Parkway, this home puts you close to everything that makes PCB special! You're less than a mile from Beach Access 66, just 2.5 miles from Pier Park, and less than a mile from Highway 79! Spend your days enjoying our beautiful white-sand beaches, shopping and dining at Pier Park, or cruising the neighborhood in your golf cart. Whether you're looking for a primary residence or a coastal getaway, this location is hard to beat! LOVE THE OUTDOORS? YOU'LL LOVE THIS BACKYARD! Your private, fenced backyard is a peaceful retreat surrounded by beautiful mature palm, loquat, and scrub oak trees. The large open concrete patio is perfect for weekend barbecues, entertaining friends, or simply relaxing in the shade with your favorite book. Garden lovers will appreciate the established herb and ivy beds, plus a rain barrel for collecting water for their plants. And that's not all! The exterior also features a 2-car garage, SEPARATE RV PARKING PAD, and sprinkler system! RAIN OR SHINE, ENJOY THE VIEW! The spacious 12' x 24' HEATED AND COOLED FLORIDA ROOM (included in the home's square footage) is the perfect place to enjoy your backyard year-round! Imagine sipping your morning coffee while watching a summer rain shower, curling up with a good book, or creating a cozy hobby or entertaining space. The possibilities are endless! STEP INSIDE AND FEEL RIGHT AT HOME! The inviting open floor plan features a HUGE GREAT ROOM with plenty of space for relaxing, entertaining, and making memories. The spacious eat-in kitchen offers beautiful granite countertops, REAL WOOD cabinetry, and a large pantry with plenty of storage. Whether you're preparing a quick meal or hosting a holiday gathering, you'll appreciate the space and functionality! DID I MENTION THE BRAND-NEW CARPET AND FRESH PAINT THROUGHOUT? These wonderful updates give the home a fresh, welcoming feel! And lets not forget the HURRICANE SHUTTERS that will give you safety and piece of mind during the season. The generously sized primary bedroom offers a private en-suite bath with a walk-in closet and tub/shower combination. Two additional bedrooms provide comfortable space for guests, a home office, or whatever fits your lifestyle! MORE THAN JUST A HOME--IT'S THE COASTAL LIFESTYLE YOU'VE BEEN DREAMING OF! From the quiet cul-de-sac and private backyard oasis to the spacious living areas, Florida room, RV parking, and fantastic beachside location, this property has SO MUCH to offer! GREAT LOCATION, GREAT FEATURES, AND AN INCREDIBLE OPPORTUNITY ON THE WEST END OF PCB! Don't let this one slip away! Call your favorite REALTOR® today to schedule your private showing. Your piece of paradise is waiting!

142 Bonaire Drive, Panama City Beach

9860 S Thomas Drive Unit 1406, Panama City Beach
$434,900
2 Beds ⋅ 2 Baths ⋅ 796653 MLS
Wake up to stunning Gulf views and unwind to the beauty of the water from the comfort of your own living room! This beautifully appointed 2-bedroom, 2-bathroom condo features a built-in bunk room, an open-concept layout, and the views you've been dreaming of. Whether you're relaxing on the couch or waking up in the primary suite, the Gulf is always in sight. Step onto your private balcony from either the living room or primary bedroom and enjoy the coastal breeze and breathtaking scenery. The well-equipped kitchen features top of the line Samsung appliances including a double oven, Family Hub/French door smart refrigerator with AKG speaker, while luxury vinyl plank flooring flows throughout the entire unit for a clean, cohesive look. Both bedrooms are furnished with king-size beds, offering comfort and plenty of space for owners and guests alike. The built-in bunk room and pull out couch bed provide additional sleeping accommodations, making this condo ideal for personal enjoyment or vacation rental potential. Conveniently located directly off the elevators in a preferred stack, this unit offers easy access and desirable positioning within the resort and parking garage. Lovingly enjoyed as a second home for nine years, it was only introduced to the rental market approximately one year ago. The condo is being sold fully furnished, including a front-load washer and dryer, making it ready to enjoy or continue as a rental opportunity. Enjoy an incredible collection of resort-style amenities, including 5 pools, 2 hot tubs, a fitness center, a boardwalk featuring the spectacular fountain show, on-site dining, covered parking, and convenient beach access just across the street. Whether you're searching for a personal Gulf Coast retreat, a vacation getaway for family and friends, or an investment opportunity in a sought-after resort setting, this condo offers the perfect blend of Gulf views, comfort, convenience, and resort-style living. Your coastal escape awaits!

9860 S Thomas Drive Unit 1406, Panama City Beach

549 E 4th Court, Panama City
$415,000
3 Beds ⋅ 2 Baths ⋅ 796576 MLS
DUAL-DWELLING INCOME POTENTIAL | THE COVE MEETS DOWNTOWN PANAMA CITY Under a majestic canopy of heritage live oaks, among the rare mature trees to stand proud through Hurricane Michael, sits this 1935 coastal cottage and fully equipped detached guest house. Blending historic Southern character with an effective build year of 2015, this property delivers the ideal mix of vintage soul, modern luxury, and unmatched flexibility. With two completely independent dwellings, the possibilities are effortless: live in the main home while generating steady rental revenue from the ADU, rent both units to maximize returns, or create the ultimate private multi-generational compound. A vibrant red front door at the main entrance welcomes you onto the covered porch and into an airy, light-filled open floor plan highlighted by original crown molding, recessed lighting, and a painted brick fireplace. The galley kitchen boasts extensive granite counter space, crisp white cabinetry, subway tile, and stainless steel appliances. Down a subtle step-down transition, the cozy family room offers a quiet retreat overlooking the grounds. The primary retreat features a mini-split system, a walk-in wardrobe, and an ensuite bath with a double granite vanity and a wet-room bath suite, complete with a freestanding soaking tub and custom dual shower fixtures featuring an overhead waterfall fixture. Down the hall, a versatile dedicated home office includes its own closet (readily functioning as an official third bedroom or flex space), while an oversized guest bedroom, full guest bath, and separate laundry/utility room complete the main interior layout. Set privately across the sprawling fenced backyard, the detached studio is fully autonomous. It features its own architectural metal roof, private covered porch, ADA-compliant detachable ramp, dedicated mini-split climate control, tankless water heater, full kitchen with breakfast bar island, and a newly remodeled modern walk-in tile shower. Leave historic home worries behind: documented capital improvements include foundation work by Alpha Foundations (2026), full attic restoration (2025), a 200-Amp electrical service upgrade (2023) equipped with a dedicated smart electric vehicle charger, new concrete walkways, an 8x4 garden shed, and durable metal roofs on both structures. Modern tech and security convey seamlessly: the property includes an installed Vector Security system featuring an interior touchscreen monitor and dual exterior roofline-mounted cameras covering both the front entrance and back patio, plus eligibility to assume the sellers' rare, grandfathered high-speed Xfinity internet plan. Tucked on a quiet street bordered by beloved neighbors on the edge of The Cove, you enjoy the close-knit camaraderie and storybook charm without sacrificing convenience. Take a golf cart ride across Massalina Bayou to watch sailboats drift against evening sunsets, explore the Panama City Marina, dine and delight in Historic Downtown Panama City's ever-growing cuisine and activity scene, or grab fresh produce at the Saturday Farmers Market, the 6th largest in the nation. Errands and commutes could not be easier with instant access to Hwy 98 and walkable neighborhood staples like CVS and Dollar General. Best of all, having Ascension Sacred Heart Hospital and the Panama City Fire Department just blocks from your door offers unmatched everyday peace of mind.

549 E 4th Court, Panama City

549 E 4th Ct, Panama City
$415,000
3 Beds ⋅ 2 Baths ⋅ 1013767 MLS ⋅ 1,579 SqFt.
DUAL-DWELLING INCOME POTENTIAL | THE COVE MEETS DOWNTOWN PANAMA CITY Under a majestic canopy of heritage live oaks, among the rare mature trees to stand proud through Hurricane Michael, sits this 1935 coastal cottage and fully equipped detached guest house. Blending historic Southern character with an effective build year of 2015, this property delivers the ideal mix of vintage soul, modern luxury, and unmatched flexibility. With two completely independent dwellings, the possibilities are effortless: live in the main home while generating steady rental revenue from the ADU, rent both units to maximize returns, or create the ultimate private multi-generational compound. A vibrant red front door at the main entrance welcomes you onto the covered porch and into an airy, light-filled open floor plan highlighted by original crown molding, recessed lighting, and a painted brick fireplace. The galley kitchen boasts extensive granite counter space, crisp white cabinetry, subway tile, and stainless steel appliances. Down a subtle step-down transition, the cozy family room offers a quiet retreat overlooking the grounds. The primary retreat features a mini-split system, a walk-in wardrobe, and an ensuite bath with a double granite vanity and a wet-room bath suite, complete with a freestanding soaking tub and custom dual shower fixtures featuring an overhead waterfall fixture. Down the hall, a versatile dedicated home office includes its own closet (readily functioning as an official third bedroom or flex space), while an oversized guest bedroom, full guest bath, and separate laundry/utility room complete the main interior layout. Set privately across the sprawling fenced backyard, the detached studio is fully autonomous. It features its own architectural metal roof, private covered porch, ADA-compliant detachable ramp, dedicated mini-split climate control, tankless water heater, full kitchen with breakfast bar island, and a newly remodeled modern walk-in tile shower. Leave historic home worries behind: documented capital improvements include foundation work by Alpha Foundations (2026), full attic restoration (2025), a 200-Amp electrical service upgrade (2023) equipped with a dedicated smart electric vehicle charger, new concrete walkways, an 8x4 garden shed, and durable metal roofs on both structures. Modern tech and security convey seamlessly: the property includes an installed Vector Security system featuring an interior touchscreen monitor and dual exterior roofline-mounted cameras covering both the front entrance and back patio, plus eligibility to assume the sellers' rare, grandfathered high-speed Xfinity internet plan. Tucked on a quiet street bordered by beloved neighbors on the edge of The Cove, you enjoy the close-knit camaraderie and storybook charm without sacrificing convenience. Take a golf cart ride across Massalina Bayou to watch sailboats drift against evening sunsets, explore the Panama City Marina, dine and delight in Historic Downtown Panama City's ever-growing cuisine and activity scene, or grab fresh produce at the Saturday Farmers Market, the 6th largest in the nation. Errands and commutes could not be easier with instant access to Hwy 98 and walkable neighborhood staples like CVS and Dollar General. Best of all, having Ascension Sacred Heart Hospital and the Panama City Fire Department just blocks from your door offers unmatched everyday peace of mind.

549 E 4th Ct, Panama City

107 Saratoga Pl, Lynn Haven
$439,900
4 Beds ⋅ 3 Baths ⋅ 1013728 MLS ⋅ 2,860 SqFt.
**SPACIOUS, INVITING, AND PERFECT FOR ENTERTAINING!** Welcome to 107 Saratoga Place, a beautifully appointed 4-bedroom, 3-bath home offering over 2,500 square feet of living space in the desirable Derby Woods subdivision of Lynn Haven. Situated on a quiet cul-de-sac, this home offers the perfect combination of comfort, functionality, and convenience. From the moment you step inside, you'll appreciate the generous room sizes, vaulted ceilings, and multiple living areas that make this home ideal for both everyday living and hosting guests. In fact, the current owners say one of their favorite things about this home is how wonderful it is for entertaining! Whether hosting holiday gatherings, celebrating special occasions, or simply enjoying time with friends, there's plenty of room for everyone. The spacious kitchen features granite countertops and stainless steel appliances, with an adjoining breakfast area and a separate dining room. The inviting living and family rooms provide ample space to spread out, while the fireplace adds warmth and character. One of the home's standout features is its two primary suites, each with its own private bathroom, offering tremendous flexibility for guests, extended family, or a private retreat. Step outside to the screened-in porch overlooking the fenced backyard, creating another great space for relaxing, grilling, and entertaining. **LOCATION, LOCATION, LOCATION!** Conveniently located near shopping, dining, schools, and medical facilities, this home makes everyday errands and commuting a breeze. Tyndall Air Force Base is approximately 20 minutes away, while the beautiful white-sand beaches of Panama City Beach are just a 30-minute drive. Complete with an attached two-car garage, generous living spaces, and an established neighborhood setting, this home has so much to offer. If you're looking for a home with room to spread out, entertain, and enjoy everything the area has to offer, **107 Saratoga Place deserves a spot at the top of your list!** Schedule your private showing today!

107 Saratoga Pl, Lynn Haven

6507 Myers Road, Panama City
$414,900
4 Beds ⋅ 3 Baths ⋅ 796499 MLS
LIKE-NEW HOME WITH AN ASSUMABLE 4.99% INTEREST RATE! Why wait for new construction when this beautiful, move-in-ready home in the desirable Liberty community is only one year old and still looks brand new? This popular Madison floor plan offers spacious single-story living, beautiful finishes, and all the benefits of a newer home without waiting on a builder's completion date! Step inside to a welcoming hallway that connects the bedrooms, laundry room, and garage before opening into the spacious kitchen and living area. Beautiful engineered vinyl plank flooring flows throughout the main living spaces, while soft carpeting adds comfort to the bedrooms. The thoughtfully designed floor plan includes a secondary bedroom with its own private bathroom, perfect for guests or additional privacy. The open-concept living area is filled with natural light and features an elegant tray ceiling. The kitchen offers white cabinetry, gorgeous white quartz countertops, stainless steel appliances that convey with the home, and a large island providing additional storage and plenty of space for entertaining. The adjoining dining area leads directly to the covered back patio, perfect for enjoying your morning coffee or relaxing outdoors. The spacious primary suite features a tray ceiling and three windows that bring in plenty of natural light. The primary bathroom offers a double vanity with white quartz countertops, white cabinetry, a separate soaking tub, a glass-enclosed shower, and a generous walk-in closet. Beyond the home itself, Liberty offers an incredible selection of amenities, including TWO community pools, a community room with fitness facilities, pickleball courts, a basketball court, and a playground! Conveniently located near Tyndall Air Force Base and approximately 15 minutes from town, you'll enjoy easy access to shopping, dining, and everyday conveniences. With an assumable 4.99% interest rate for qualified buyers, this home is an opportunity you don't want to miss! Why deal with construction delays when you can move right into a home that looks and feels brand new? Schedule your private showing today and discover everything Liberty has to offer!

6507 Myers Road, Panama City

107 Saratoga Place, Lynn Haven
$439,900
4 Beds ⋅ 3 Baths ⋅ 796480 MLS
**SPACIOUS, INVITING, AND PERFECT FOR ENTERTAINING!** Welcome to 107 Saratoga Place, a beautifully appointed 4-bedroom, 3-bath home offering over 2,500 square feet of living space in the desirable Derby Woods subdivision of Lynn Haven. Situated on a quiet cul-de-sac, this home offers the perfect combination of comfort, functionality, and convenience. From the moment you step inside, you'll appreciate the generous room sizes, vaulted ceilings, and multiple living areas that make this home ideal for both everyday living and hosting guests. In fact, the current owners say one of their favorite things about this home is how wonderful it is for entertaining! Whether hosting holiday gatherings, celebrating special occasions, or simply enjoying time with friends, there's plenty of room for everyone. The spacious kitchen features granite countertops and stainless steel appliances, with an adjoining breakfast area and a separate dining room. The inviting living and family rooms provide ample space to spread out, while the fireplace adds warmth and character. One of the home's standout features is its two primary suites, each with its own private bathroom, offering tremendous flexibility for guests, extended family, or a private retreat. Step outside to the screened-in porch overlooking the fenced backyard, creating another great space for relaxing, grilling, and entertaining. **LOCATION, LOCATION, LOCATION!** Conveniently located near shopping, dining, schools, and medical facilities, this home makes everyday errands and commuting a breeze. Tyndall Air Force Base is approximately 20 minutes away, while the beautiful white-sand beaches of Panama City Beach are just a 30-minute drive. Complete with an attached two-car garage, generous living spaces, and an established neighborhood setting, this home has so much to offer. If you're looking for a home with room to spread out, entertain, and enjoy everything the area has to offer, **107 Saratoga Place deserves a spot at the top of your list!** Schedule your private showing today!

107 Saratoga Place, Lynn Haven

22522 Front Beach Rd Unit UNIT O, Panama City Beach
$429,000
2 Beds ⋅ 3 Baths ⋅ 1013340 MLS ⋅ 1,140 SqFt.
RENOVATED & STUNNING 2BR/2.5BA Townhome on desirable West End of Panama City Beach, with a Modern Flare! Across the street from the Pristine White Sandy Beaches (Two Public Beach Access Points). (beach access 94 is right across the street)! This lovely townhome is tucked away in a peaceful & quiet community, mere minutes from the fun of 30A, the action of Pier Park & the Airport. A Perfect year-round home or great vacation rental (short term rentals allowed with very low HOA dues). Sold Fully Furnished (Turn Key) with updated Furniture & Decor. Start earning money NOW! Imagine stepping onto the Covered Front Porch or Balcony adorned with your very own Palm Tree, creating an inviting atmosphere from the moment you arrive. Inside, revel in the spacious layout featuring New LVP Wood Floor throughout (No Carpet), ensuring easy maintenance without compromising on style. The heart of this home is its chef's kitchen, a masterpiece boasting Quartz countertops, Custom Backsplash, Gold Sink, and matching Gold Hardware on the cabinets. Upgrades: Refrigerator, Electric smooth cooktop/oven, Microwave & Dishwasher, add to the allure of this culinary space. The oversized family room is designed for comfort and entertainment, and the split bedroom layout ensures privacy for the master suite. Speaking of the master, it opens up to a private balcony with peek-a-boo Gulf Views, creating a serene retreat. The master bathroom mirrors the kitchen's elegance with quartz countertops, modern gold sinks, faucets, lighting, mirrors, and hardware. This home is not just about beauty; it's also practical & convenient. Upgrades: A/C unit, light fixtures, ceiling fans, faucets, new toilets, & new paint. Additional storage space can be found in the back patio, and the property offers a good-sized backyard, a rarity among townhomes, condos, and duplexes. Plus, being a townhome (not a condo) means an easier qualification process for buyers, and with no neighbors above, you can enjoy peaceful living. For those interested in rental potential, this property has an impressive rental history, capacity to sleep 8, it's an excellent investment opportunity. New Roof 2016.

22522 Front Beach Rd Unit UNIT O, Panama City Beach

10901 Front Beach Road Unit 1405, Panama City Beach
$410,000
1 Beds ⋅ 2 Baths ⋅ 796278 MLS
TURNKEY GULF-FRONT INVESTMENT OPPORTUNITY! This beautifully updated 1-bedroom + bunk area, 2-full-bath condo offers the layout vacationers love, spectacular Gulf views, extensive 2025-2026 upgrades, and the flexibility to enjoy as your own beach retreat while offering excellent short-term rental potential. Welcome to Majestic Beach Resort Tower 1, Unit 1405, where an incredible beachfront location and extensive updates come together to create the perfect Panama City Beach getaway! This beautifully furnished condo has been refreshed throughout with fresh interior paint, new black door hinges and door knobs, kitchen hardware, pendant lighting and light fixtures, rugs, décor and artwork. All beds and furnishings are new, including a leather sleeper sofa in the living area, along with new indoor and outdoor furniture. Recent appliance upgrades include a new washer, dryer and dishwasher. The second bathroom received extensive 2025-2026 updates including a new vanity, toilet, mirror, lighting, towel racks, shelving and décor. The previously remodeled primary bathroom has been further enhanced with a new vanity mirror, faucets, towel racks and hardware. Additional recent improvements include LVT flooring in the primary bedroom and bath and three TVs. Step outside onto your private balcony and take in the emerald waters of the Gulf of Mexico and Panama City Beach's famous sugar-white sand. Enjoy morning coffee overlooking the Gulf, relax after a day on the beach, or end the evening with an unforgettable Florida sunset. MAJESTIC BEACH RESORT AMENITIES ARE EXCEPTIONAL! Owners and guests enjoy an impressive collection of resort-style amenities including two large Gulf-front outdoor pools, two heated indoor pools, a kiddie pool and three hot tubs. The resort also offers direct beach access, Gulf-front beach services, a fitness center, tennis/pickleball court, game room and an on-site movie theater with stadium seating. Enjoy the convenience of the Majestic Market, deli and Starbucks, along with the seasonal H2O Poolside Bar & Grill, boutique shopping and beach gear rentals. Additional amenities include conference facilities, covered parking, air-conditioned walkovers connecting the parking garage to the resort, charcoal grills and 24-hour security. With the furnishings, décor and extensive updates already completed, Unit 1405 is truly ready to enjoy from day one. Whether you're searching for a personal Gulf-front escape, second home or income-producing vacation rental, this property offers an outstanding combination of location, desirable sleeping configuration, resort amenities and recent improvements. Bring your suitcase and start enjoying the Panama City Beach lifestyle--the work has already been done!

10901 Front Beach Road Unit 1405, Panama City Beach

3126 Willie Drive, Southport
$420,000
4 Beds ⋅ 3 Baths ⋅ 796175 MLS
Welcome to Hodges Bayou! Come take advantage of this ASSUMABLE VA LOAN AT A 5.99% INTEREST RATE!!! If you're looking to get outside of the hustle and bustle of the city while keeping everything within a short distance, this is a wonderful place to call home. Enjoy peaceful country-side living with a short drive to Lynn Haven and Central Panama City, plus a smooth backroad route down HWY 388 to Panama City Beach! Hodges Bayou is zoned for Southport Elementary and Deane Bozeman for middle and high school, with bus transportation available! This 4 bedroom, 2. ½ bath home features the popular Victoria floor plan and sits on a larger lot with a beautiful pond right behind it. The backyard is fully fenced, giving you plenty of room to enjoy the outdoors while still taking in that pretty water view, and an irrigation system helps keep the yard looking its best. Step inside through the spacious foyer, where you'll find the convenient half bath before continuing down the hall. To the left are three generously sized guest bedrooms, the guest bathroom, and a dedicated laundry space. The main living area is open, bright, and SPACIOUS. There's plenty of room for that massive sectional you've been wanting! Tons of natural light beams through the living space, which flows right into the kitchen. The kitchen offers a large island, pantry, and cabinets galore, giving you plenty of storage and room for your family or guests. The primary suite is tucked away and features a spacious ensuite bathroom with a huge soaker tub, separate shower, and large walk-in closet. & don't forget the backyard! A huge covered back porch overlooks the fully fenced yard and pond, making it the perfect spot for morning coffee, grilling out, or winding down at the end of the day. With a larger lot, beautiful water view, and plenty of indoor AND outdoor space, this one has so much to offer. Come check it out!

3126 Willie Drive, Southport

Panama City
$445,000
3 Beds ⋅ 2 Baths ⋅ 796139 MLS
Lake views, effortless outdoor entertaining, and more time to enjoy the SweetBay lifestyle--welcome to 2417 Rushes Avenue. Located in a lock-and-leave phase where the HOA covers landscape maintenance and irrigation, this coastal home offers easy everyday living. Start your morning with coffee on the covered front porch overlooking the lake. Inside, bright, open living and dining spaces connect to a kitchen featuring Shaker-style cabinetry, stainless steel appliances, a herringbone backsplash, and an island with bar seating. Three bedrooms plus a lake-view study with its own walk-in closet offer a flexible layout, with the study able to function as a fourth bedroom. The primary suite includes a walk-in closet and a private bath with a glass-enclosed tiled shower. The oversized 2.5-car carport doubles as a spacious covered entertaining area, connecting directly to the patio and featuring electrical provisions for a TV. From game-day gatherings to outdoor dinners, there's room to make the most of coastal evenings. A separate storage room keeps bikes, paddleboards, and beach gear organized... and with the HOA handling landscaping and irrigation, you can save that space for recreation instead of lawn equipment. Beyond your doorstep, SweetBay invites you to fill your days with golf cart rides, scenic walks, bike rides, poolside afternoons, and sunsets along North Bay. Community pools, parks, playgrounds, a sports court, trails, and bay access provide plenty of ways to get outside, whether you enjoy kayaking, paddleboarding, fishing, or simply relaxing by the water. Farmers markets, concerts in the park, seasonal celebrations, and resident gatherings create opportunities to connect with your new neighbors and enjoy an active community. The Publix-anchored Town Center brings groceries, Starbucks coffee, dining, shopping, and everyday conveniences right into the neighborhood just a short walk or golf cart ride away. Looking ahead, SweetBay's planned future marina adds another exciting dimension to the community's coastal vision. With lake views, versatile indoor and outdoor spaces, and less yard work on your calendar, 2417 Rushes Avenue gives you more freedom to enjoy everything that makes life in SweetBay so special.

Panama City

22522 Front Beach Road Unit O, Panama City Beach
$429,000
2 Beds ⋅ 3 Baths ⋅ 796076 MLS
RENOVATED & STUNNING 2BR/2.5BA Townhome in the desirable West End of Panama City Beach, with a Modern Flare! Across the street from the Pristine White Sandy Beaches (Two Public Beach Access Points). (beach access 94 is right across the street)! This lovely townhome is tucked away in a peaceful & quiet community, mere minutes from the fun of 30A, the action of Pier Park & the Airport. A Perfect year-round home or great vacation rental (short term rentals allowed with very low HOA dues). Sold Fully Furnished (Turn Key) with Updated Furniture & Decor. Start earning money NOW! Imagine stepping onto the Covered Front Porch or Balcony adorned with your very own Palm Tree, creating an inviting atmosphere from the moment you arrive. Inside, revel in the spacious layout featuring New LVP Wood Floors throughout (No Carpet), ensuring easy maintenance without compromising on style. The heart of this home is its chef's kitchen, a masterpiece boasting Quartz countertops, Custom Backsplash, Gold Sink, and matching Gold Hardware on the cabinets. All New Appliances, including a Refrigerator, Electric smooth cooktop/oven, Microwave, and Dishwasher, add to the allure of this culinary space. The oversized family room is designed for comfort and entertainment, and the split bedroom layout ensures privacy for the master suite. Speaking of the master, it opens up to a private balcony with peek-a-boo Gulf Views, creating a serene retreat. The master bathroom mirrors the kitchen's elegance with quartz countertops, modern gold sinks, faucets, lighting, mirrors, and hardware. This home is not just about beauty; it's also practical & convenient. Recent upgrades include an A/C unit, light fixtures, ceiling fans, faucets, toilets, & paint. Additional storage space can be found in the back patio, and the property offers a good-sized backyard, a rarity among townhomes, condos, and duplexes. Plus, being a townhome (not a condo) means an easier qualification process for buyers, and with no neighbors above, you can enjoy peaceful living. For those interested in rental potential, this property has an impressive rental history, With a capacity to sleep 8, it's an excellent investment opportunity. New Roof 2016.

22522 Front Beach Road Unit O, Panama City Beach

315 Twin Lakes Drive, Panama City Beach
$429,990
3 Beds ⋅ 2 Baths ⋅ 796018 MLS
HIGHLY MOTIVATED SELLER! Home is being sold FULLY FURNISHED! This is an incredible opportunity for buyers looking for a move-in-ready home with added savings at closing. Bring your offers, seller is ready to make a deal! Welcome to Casita Verde, a charming coastal retreat where modern updates meet laid-back beach living. Just a 5-minute walk (or less than a 1-minute drive) to the beach, this beautifully renovated 3-bedroom, 1.5-bath home is the perfect full-time residence, vacation getaway, or investment opportunity. This property comes FULLY Furnished!! Inside, you'll find a bright, inviting interior featuring all-new luxury vinyl plank flooring, fresh paint throughout, updated lighting with remote-controlled ceiling fans, new sinks and faucets, stylish backsplash, and a complete set of brand-new appliances. Thoughtful green accents throughout the home inspired its name, Casita Verde, giving it a fun, fresh coastal vibe. The spacious layout includes a unique indoor/outdoor game and hangout room, creating the perfect space to entertain, relax after a day at the beach, or enjoy time with family and friends. Step outside to the fully fenced backyard, offering privacy and plenty of room for pets, outdoor games, or future additions. Whether you're looking for your own beach escape or a property with excellent short-term rental potential, Casita Verde checks all the boxes with its unbeatable location, stylish updates, and coastal charm. Come experience beach living at Casita Verde, where every day feels like a vacation! The remodeled kitchen features rich green cabinetry, stainless steel appliances, stylish hexagon tile backsplash, and plenty of counter space for meal prep and gathering with family and friends. The seamless flow between the living, dining, and kitchen areas makes everyday living effortless. Outside, the expansive yard offers endless possibilities--room to add a pool, park your boat or RV, create a backyard oasis, or simply enjoy the open space. Conveniently located just minutes from shopping, dining, schools, and the beautiful beaches of the Emerald Coast, this home is ideal as a primary residence, vacation getaway, or investment property.

315 Twin Lakes Drive, Panama City Beach

17642 Front Beach Road Unit C1, Panama City Beach
$425,000
2 Beds ⋅ 2 Baths ⋅ 795936 MLS
45k+ IN RENTAL! GREAT BEACH INVESTMENT! BRING ALL OFFERS! Turnkey, fully furnished end-unit townhome offering a rare combination of short-term rental potential, private outdoor space, and flexibility in Panama City Beach. Less than five minutes to the sugar-white sand and Gulf waters, this property is positioned for buyers looking to enjoy the beach lifestyle while owning an income-producing coastal asset. Unlike many nearby properties, there is no required HOA. Owners may choose to opt into the community amenities if desired, but participation is not mandatory. As a townhome rather than a condominium, the property does not require condo financing, providing added flexibility for buyers Currently enrolled in a rental program, this well-maintained home is ready for immediate personal use or continued short-term rental operation. It is being offered fully furnished, allowing the next owner to step into a turnkey opportunity without the added time and expense of furnishing a beach property. As an end unit, the townhome also features additional private lawn space--an attractive benefit for owners, guests, and pet owners. The pet-friendly community includes access to a private pool, gazebo, and shuffleboard area. The home also carries a termite bond for added peace of mind. Conveniently located just a few miles from Pier Park, dining, shopping, entertainment, and the best of Panama City Beach, this property offers both rental appeal and long-term value in a highly desirable coastal market. COME SEE IN PERSON AND BRING AN OFFER! GREAT INVESTMENT!

17642 Front Beach Road Unit C1, Panama City Beach

124 Coral Drive, Panama City Beach
$425,000
3 Beds ⋅ 2 Baths ⋅ 795921 MLS
SELLER IS OFFERING $10,000 CREDIT TO THE BUYER*** which can be applied toward Buyers closing costs or buy-down to lower interest rate. Completely remodeled from top to bottom, this centrally located 3Bd/ 2Ba with attached garage, single-level brick home sits on nearly a quarter-acre lot and is truly move-in ready. The home features a brand-new metal roof (2026) with membrane underlayment for added water protection, luxury vinyl plank flooring throughout, updated windows, fresh interior and exterior paint, new trim, modern lighting, and a brand-new water heater (2026). The completely redesigned kitchen features new shaker-style soft-close cabinetry and large island/breakfast bar with Sparkling White quartz countertops, marble backsplash, farmhouse-style ceramic sink, and all-new stainless-steel appliances. A custom built-in white oak dining bench sits beautifully beneath the bay windows. Additional interior details include decorative board-and-batten wainscoting throughout the living area, a stylish vertical wood-slat accent wall in the primary bedroom, custom wood-paneled tray ceiling with recessed lighting in the hallway, built-in hardwood closet shelving, brand new craftsman-style bay windows in dining area. Both bathrooms have been fully renovated, including venetian-style plaster finishes in the primary bath. The home is equipped with a high-efficiency Lennox HVAC system, while the enclosed 13x12 Florida room has its own brand-new mini-split system for year-round heating and cooling. The spacious, fully fenced backyard features gates on both sides of the home, providing additional space for a boat, RV, jet ski, trailer, or other vehicles. Enjoy outdoor cooking and dining beneath a pergola covered with producing grapevines, surrounded by mature maple, magnolia, and crepe myrtle trees, along with fruit-producing fig, plum, and mulberry trees. Professional landscaping, new grass with an irrigation system, and backyard pavers complete the outdoor setting. A standout feature is the 31x12 (approximately 384 sq. ft.) metal-frame outbuilding, which is insulated and equipped with a brand-new energy-efficient mini-split system for heating and cooling. This versatile space offers endless possibilities as a home gym, game or media room, office, workshop, hobby room, or additional storage. Located in a quiet neighborhood convenient to shopping, dining, schools, beach, medical facilities, parks and entertainment. NO HOA, and Flood Zone X, so flood insurance is not required. With continued new construction and development throughout the surrounding area, this turnkey property offers an impressive combination of upgrades, space, versatility, and location. Call today to schedule your private showing!

124 Coral Drive, Panama City Beach

344 Bartlett Cove, Panama City Beach
$407,805
3 Beds ⋅ 2 Baths ⋅ 795865 MLS
Welcome to 344 Bartlett Cove at Bayside at Ward Creek in Panama City Beach, Florida. This pre-construction homesite offers the opportunity to secure new construction prior to groundbreaking. This property will be built with the Oakley floorplan and 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 Oakley floorplan offers a thoughtfully designed layout with a bright and open living space. Just off the foyer, a flexible front room is the perfect space for a home office or formal dining room or sitting area while welcoming natural Florida sunlight into the home. The entry hall leads to an impressive open-concept kitchen, dining, and living area, where vaulted ceilings add volume, character, and an inviting sense of space ideal for everyday living and entertaining. EVP floors flow seamlessly throughout the home providing a clean modern look. The kitchen is spacious with white cabinetry, quartz countertops, and a center island that adds prep space and casual seating. Privately positioned at the rear of the home, the primary bedroom includes a spacious ensuite bath with walk-in closet, soaking tub, dual-sink vanity, quartz countertops, lower cabinetry, and separate shower. Two additional bedrooms are located near the full guest bathroom, linen closet, and convenient laundry room with shelving above the washer and dryer hookups.

344 Bartlett Cove, Panama City Beach

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