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.

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

$412,000
2 Beds 2 Baths 785448 MLS
2BR/2BA Gulf-front condo in Summerhouse, Panama City Beach. 120 sq ft balcony, 2 pools, short-term rentals allowed. Built 1987. This 2 bedroom, 2 bath Gulf-front condominium at Summerhouse Condo in the South Lagoon area of Panama City Beach offers 1,015 square feet and direct beach frontage at 6505 Thomas Drive. Built in 1987 and listed at 422,000, the unit allows short term rentals and is being sold furnished. With 400 feet of Gulf frontage across the complex and onsite rental management, buyers comparing investment property, second home, or full time residence options can evaluate both rental flexibility and amenity depth. Inside, the layout balances durability with comfort, making everyday living or guest turnover straightforward. Tile flooring carries through the kitchen, living area, and baths for easy maintenance after beach days, while the carpeted bedrooms provide a softer retreat at the end of the day. Granite countertops in the kitchen and bathrooms add a finished, cohesive feel. Large sliding glass doors draw natural light into the living area and open directly to the balcony, keeping the Gulf view present even when you are indoors. The balcony itself offers comfortable space for seating and outdoor dining, creating a natural extension of the living area where mornings can begin with coffee overlooking the pools and shoreline and evenings can wind down with the sound of the Gulf in the background. The primary suite is positioned to capture Gulf views and includes private access to the balcony along with an ensuite bath. Waking up to natural light and stepping directly outside is a feature buyers consistently value in true Gulf-front properties. The thoughtfully separated bedroom design places the guest bedroom and second bath apart from the primary suite, offering added privacy and flexibility for owners and visitors. A conveniently located laundry closet with a stackable washer and dryer provides everyday functionality while keeping the main living areas uncluttered. Summerhouse is an established beachfront community known for its extensive amenities and structured management. Two beachfront pools, including one heated seasonally, a kiddie pool, hot tub, tennis courts, pickleball courts, game room, owners lounge, Gulf-front gazebo, and onsite homeowners and rental office all contribute to a setting designed for both enjoyment and ease. Elevators are located throughout the complex for convenient access, and ample paved parking accommodates residents and guests. Owners are permitted to have pets in accordance with association guidelines, and service animals are permitted for guests as required. Monthly HOA dues of 1,264.69 include accounting, cable TV, HOA insurance, internet, legal, maintenance grounds, management, pest control, security, sewer, trash disposal, and water. Positioned on Thomas Drive near St. Andrews State Park and Grand Lagoon, the location offers quick access to boating, fishing, dining, and shopping while maintaining direct beach access. For buyers evaluating furnished, rental-eligible Panama City Beach condominiums, this Summerhouse unit combines true Gulf-front placement, established amenities, and a layout that supports both personal enjoyment and consistent rental appeal. Make this unit ''your Summerhouse''.

6505 Thomas Drive Unit 912, Panama City Beach

$430,000
4 Beds 3 Baths 995013 MLS 2,303 SqFt.
Fanning Bayou, a sought-after neighborhood where country charm meets coastal living. Ideally located minutes from the airport, shopping, dining, and white sand beaches, endless fishing spots, this home offers a perfect blend of luxury and convenience. This elegant 2,303-square-foot home features four bedrooms, two full baths, and one half bath. Upon entry, a grand hallway leads into a spacious living room characterized by impressive vaulted ceilings and recessed lighting. The open floor plan flows seamlessly into a chef's kitchen equipped with a substantial center island, granite countertops, updated appliances, plenty of cabinet storage and an oversized pantry. The dining area transitions beautifully to the backyard, which is fully fenced and features an extended covered porch with pond views. Ideal for relaxation or entertaining. The primary suite offers vaulted ceilings and a luxurious en-suite bathroom with a soaking tub, glass-enclosed shower, and an expansive walk-in closet. Three additional generously sized bedrooms and a well-appointed laundry room complete the functional layout. As a resident of this community, you will also have access to the 5,000 Sq Ft pool pavilion, grilling areas, as well as a playground. I invite you to experience this exceptional home for yourself. Conveys with the property: AquaPro Water Systems reverse osmosis system, Reme Halo UV light air duct purifier, and outdoor shed.

171 Grafton St, Southport

$445,000
2 Beds 2 Baths 784980 MLS
Turn Key Vacation Rental just steps from the sugar white sandy beaches with INCREDIBLE ACTUAL numbers! 8 minute walk to the Beach with NO HOA! Welcome to 313 Laureno, Panama City Beach, FL - a remarkable opportunity to own a versatile property already producing a high level of rental income in the highly sought-after Laguna Beach community. This 1,320 square foot residence offers two spacious bedrooms and two well-appointed bathrooms, making it an ideal choice for a vacation rental, investment property, or primary residence. Located within walking distance to the pristine beaches of Panama City Beach, this home provides the perfect blend of convenience and coastal living. The property is situated in a golf cart-friendly community, enhancing the ease of access to local amenities and beachside attractions. This fully furnished, turn-key ready home ensures a seamless transition for its new owners. Every detail has been thoughtfully curated to provide a comfortable and stylish living environment. The open floor plan creates a welcoming atmosphere, perfect for entertaining guests or enjoying quiet evenings at home. The Laguna Beach area is renowned for its tranquil ambiance and picturesque surroundings, offering a serene retreat while still being close to the vibrant activities and dining options of Panama City Beach. Whether you are looking to generate rental income or seeking a permanent residence, 313 Laureno presents a unique investment opportunity in a desirable location. Do not miss the chance to own this exceptional property. Contact your favorite agent today to schedule a viewing and experience the charm and convenience of 313 Laureno for yourself.

313 Laureno Place, Panama City Beach

$430,000
4 Beds 3 Baths 784834 MLS
Fanning Bayou, a sought-after neighborhood where country charm meets coastal living. Ideally located minutes from the airport, shopping, dining, and white sand beaches, endless fishing spots, this home offers a perfect blend of luxury and convenience. This elegant 2,303-square-foot home features four bedrooms, two full baths, and one half bath. Upon entry, a grand hallway leads into a spacious living room characterized by impressive vaulted ceilings and recessed lighting. The open floor plan flows seamlessly into a chef's kitchen equipped with a substantial center island, granite countertops, updated appliances, plenty of cabinet storage and an oversized pantry. The dining area transitions beautifully to the backyard, which is fully fenced and features an extended covered porch with pond views. Ideal for relaxation or entertaining. The primary suite offers vaulted ceilings and a luxurious en-suite bathroom with a soaking tub, glass-enclosed shower, and an expansive walk-in closet. Three additional generously sized bedrooms and a well-appointed laundry room complete the functional layout. As a resident of this community, you will also have access to the 5,000 Sq Ft pool pavilion, grilling areas, as well as a playground. I invite you to experience this exceptional home for yourself. Conveys with the property: AquaPro Water Systems reverse osmosis system, Reme Halo UV light air duct purifier, and outdoor shed.

171 Grafton Street, Panama City

$444,900
2 Beds 2 Baths 784466 MLS
RIGHT IN THE MIDDLE OF IT ALL | FROM OVERVIEW TO EXPERIENCE | CONSISTENT SHORT-TERM RENTAL DEMAND | Edgewater Beach Resort Tower I Unit 508 is a two-bedroom, two-bathroom residence with a private balcony offering views of the Gulf and one of the resort's most popular pool areas. Positioned within Tower I, the unit benefits from a central orientation within the Edgewater Beach Resort complex, providing a balanced perspective of both the beachfront and interior amenities. | The floor plan accommodates up to seven guests and includes new kitchen appliances along with a recently replaced sliding glass door in the living area. Major mechanical updates include an HVAC system installed in 2021 and a water heater replaced in 2023, supporting long-term ownership and operational reliability. | For investors, the property generated approximately $48,000 in rental income in 2025, reflecting steady demand within one of Panama City Beach's most established resort communities. | Edgewater Beach Resort is centrally located near restaurants, shopping, and expanding local attractions. Recent additions include Dolly Parton's Pirates Voyage Dinner & Show, Topgolf, and McGuire's Irish Pub, with Tootsie's Orchid Lounge scheduled to open in 2026, reinforcing the area's continued growth. | This full-service resort offers 11 pools, six hot tubs, a nine-hole executive golf course, fitness center, tennis courts, pickleball courts, and multiple on-site dining options. HOA dues are $3,981.09 per quarter. | All information is deemed reliable but not guaranteed. Buyers should verify any details important to them.

11483 Front Beach Road Unit 508-1, Panama City Beach

$449,000
5 Beds 3 Baths 784210 MLS
SEE TODAY! Owner is ready to sell. Custom site built single family home with downstairs (in-law apartment) on private pond/lake in Sand Hills area of northern Bay County - Located very near Elementary thru High School (Deane Bozeman School). Well over 3300 sq ft of total living space. The main (upper) floor is a single family home with 3BRs, and office, and 2 BATHs, offering open living area to kitchen/dining area with fireplace and great water views. Downstairs is oversized garage space and separate 1 BR apartment with own kitchen/living area and bath - it's an in-law style apartment great for parents, older child, or possible income. There is additional ducted CHA (300-400 sqft) living space (Play Room) downstairs not included in the listed (total 3363 +/-) square footage. Two garages ~ a single wide that is 2-3 cars deep, and a separate double car garage. A great property for the car enthusiast/collector. In addition to the garage/storage space - there is an unfinished concrete walled (safe room) downstairs ideal for more storage, hobbies and/or storm safe room protection. Outside front covered porch. rear covered porch and balcony space. Hot tub on back porch - and whole house generator near property line are included but working condition(s) are not known and are being sold as is where is. There are detached covered tent/Quonset style parking structures. So perfect for the RV or car or boat enthusiast or hobbyist, or possibly the self employed needing extra covered storage space. Fully adequate Central Heat is supplemented by a couple gas wall furnaces that home owner typically uses as option to central units. This property is being sold AS IS. SOME PHOTOS ARE OLDER FROM A PRIOR LISTING. Per legal description ~ land size is over 3 acres ~ But part of legal includes some submerged land beneath pond/lake. Actual dry land size may be nearer 1.5 to 2 acres. This home offers lots of options for a big family with plenty of room to expand. A great location and property for those self employed or folks needing plenty of extra work space, storage, or for lots of hobbies, and room to grow. To reproduce this home and features in todays market would be very costly, so come see all the benefits and the gain to be had with this very well priced bargain.

13920 Woodland Road, Southport

$426,000
2 Beds 2 Baths 784144 MLS
SUNSETS FIRST...NOISE LAST. Positioned in one of the resort's most desirable sunset-facing stacks, this beautifully maintained 2 bedroom, (one of them being an ocean front master suite) 2 full bathroom condo captures the kind of evening views buyers come to the beach for...warm Gulf skies, sweeping horizons, and unforgettable sunsets right from your own balcony. Unlike many other buildings in the resort, this residence offers true sunset exposure, creating a daily experience that never gets old. If you've been waiting for a truly turnkey, income-ready property, this is it. Offered fully furnished and thoughtfully stocked, this unit is ready for its next owner to step in and immediately enjoy or begin generating rental income...no setup, no stress, and not a single detail overlooked. Both bathrooms have been beautifully remodeled within the past five years, and a BRAND NEW WATER HEATER was installed in March 2026, offering added peace of mind. Well cared for and well appointed, this property presents an exceptional opportunity as a second home, vacation getaway, or investment. Between the rare sunset views and true turnkey condition, this is the kind of property that stands out in today's market. While other units in the building vary in layout, view orientation, and floor height, this residence stands apart with true sunset views, generous square footage, and a higher floor vantage point that enhances both privacy and perspective. Inside, the layout is bright and welcoming, with Gulf-front views that carry through the living space and onto the private balcony, perfect for winding down as the sun dips into the water. This is the kind of unit guests return to and owners hold onto. Beyond the unit itself, Summerhouse continues to be a favorite among owners and vacationing families alike. Residents and guests enjoy two resort style pools with abundant lounge seating and shaded gathering areas, a kiddie pool, hot tub, tennis and pickleball courts, horseshoe pits, arcade, billiards room, and a recently renovated lobby. Secure RFID bracelet access provides controlled entry to community amenities, creating an enjoyable and family friendly resort experience just steps from the sand. As an added bonus for owners, HOA DUES HAVE JUST BEEN REDUCED, improving both cash flow and long-term value. Whether you're seeking a high performing investment, a second home with strong rental upside, or a private Gulf-front retreat elevated above the crowd, this 10th floor B-stack unit checks the boxes that matter most.

6505 Thomas Drive Unit 1009, Panama City

$414,000
2 Beds 2 Baths 784170 MLS
This exceptional first-floor residence offers the best of both worlds: calm lake views and easy access, all without the wait or hassle of elevators. From the moment you step inside, the coastal design and sophistication set this unit apart. The beautifully updated kitchen is a true showpiece, featuring crisp cabinetry, upgraded countertops, modern appliances, and a striking turquoise backsplash bringing the Gulf's colors indoors. The open-concept living and dining space is light-filled and inviting--perfect for entertaining or unwinding after a day at the beach. This unit offers two spacious bedrooms plus a stylish bunk room, ideal for guests or family. With the addition of a barn door, the bunk room easily functions as a third bedroom offering privacy, adding flexibility and value. The primary suite is a peaceful retreat, positioned directly on the lake with soothing water views that make mornings and evenings feel extra special. Step out onto the large private balcony spanning the width of the unit to enjoy lake life and take in the nightly light show, visible both outdoors and from the comfort of the living area inside. Beautiful design touches flow throughout the home, blending coastal charm with modern comfort. From the furnishings to the finishes, every detail reflects the essence of the perfect beach getaway. Whether used as a primary residence, second home, or investment property, this first-floor unit with water views is a rare opportunity--where beauty, convenience, and coastal elegance come together seamlessly. As part of a large resort, you'll have access to world-class amenities, including the newest addition of 810 Billiards & Bowling as fun for the whole family on property, five pools (one zero-entry, heated, and a dedicated kiddie pool), two hot tubs, a state-of-the-art fitness center, and a putting green. Enjoy the convenience of multiple onsite dining options and a boardwalk that showcases a stunning nightly water fountain light show. Don't miss this opportunity to own a piece of paradise with solid rental returns and endless coastal charm! All measurements to be verified by buyer if deemed important.

9902 S Thomas Drive Unit 130, Panama City

$407,000
2 Beds 2 Baths 784130 MLS
Location, Location!! Pool Villa 2713 just listed for sale at Edgewater Beach & Golf Resort in Panama City Beach, Florida. This isn't just an average condo—it's a lifestyle! Step into the comfort of this sought after beach community. Perfectly positioned over a sparkling heated pool, this fully furnished condo offers the ideal blend of privacy, convenience, and resort style living. Inside, you're welcomed by floor to ceiling windows that flood the spacious layout with natural light. There are shiplap accents, new LVP and ceramic tile flooring to create a welcoming feel that's easy to maintain. The AC is newly installed. A good-sized private balcony extends your living space outdoors—perfect for unwinding after a day at the beach. The large owner's suite is a true retreat, complete with balcony access, a walk in closet, and an en suite bathroom. The big guest bedroom is equally inviting, offering two queen beds, private balcony, and direct access to the guest bath—ideal for hosting family and friends. The equipped kitchen, paired with full size laundry, ensures comfort and practicality for both everyday living and vacation stays. Owning a Villa at Edgewater means embracing a lifestyle centered around relaxation, recreation, and convenience. Enjoy tropical pools, hot tubs, splash pad, golf, pickleball, tennis, fitness facilities, on site dining and market, and private beach access—all within a gated, beautifully maintained resort. Bella Salon services are available by appointment and the resort is walkable to shopping and dining. Rest easy with gated entrances, 24-hour security, building-side parking, vehicle charging stations and parking for RVs, boats, jet skis, trailers. Pet-friendly for owners, with both the dog beach and park just minutes away. Whether you're seeking a personal getaway, a second home, or a rental investment, this Pool Villa delivers the coastal experience so many dream of.

520 Richard Jackson Road Unit 2713, Panama City Beach

$417,905
3 Beds 3 Baths 783622 MLS
Welcome to 3537 Sanctuary Drive in Sanctuary Beach in Panama City Beach Florida. This pre-construction homesite offers the opportunity to secure new construction prior to groundbreaking. This property will be developed with the Monroe 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 Monroe floorplan features two stories with three bedrooms and two and a half bathrooms. The exterior of this home features a covered front porch on the main level and a covered balcony on the second level just off the primary bedroom. The kitchen is open to the dining and living areas features a peninsula bar with space for seating. There is an appointed dining area that is surrounded with windows allowing for an abundance of natural light to filter through. Traditional 9' ceilings grace the living area which opens to the covered back porch where you can spend your mornings and evenings enjoying your coffee or beverage. The main level serves as the heart of the home with plenty of space and a powder room located just off the entry. The stairs leading to the second level are accessible from the living area and lead to all three bedrooms. As you reach the second level you are met with a landing with laundry area and shared bathroom. Two bedrooms are located at the back of the home and have spacious closets. The Primary bedroom is located overlooking the front lawn and has a private ensuite bathroom. Two large closets are located in the primary bedroom and offer plenty of space for your wardrobe needs. The primary bathroom has the feel of a private oasis with a large soak tub and a separate shower. The dual sink vanity offers lower cabinetry for storage. Enjoy a quiet evening on your covered balcony located off the primary bedroom. Drawings, renderings, photos, square footages, floor plans and sizes are approximate and for illustration purposes only and will vary from the homes as built. Not all features available on all plans. Elevations and exterior materials may vary.

3537 Sanctuary Drive, Panama City Beach

$405,000
2 Beds 2 Baths 782695 MLS
This is the opportunity buyers and investors have been waiting for. NO HOA AND SHORT TERM RENTALS ALLOWED!!!!! Beautifully maintained 2BR/2BA brick home located at 204 N. El Centro Blvd. in the heart of Panama City Beach. Situated in a quiet, established neighborhood, this home is just a short walk to the white sand beaches of the Gulf of America and approximately 1.6 miles from Pier Park, placing you moments from some of the best shopping, dining, and entertainment in the Florida Panhandle. The home features 9-foot ceilings, a spacious living room, and an open layout that immediately showcases how roomy the home truly is. Durable tile and luxury vinyl plank (LVP) flooring run throughout, complemented by granite countertops in the kitchen and both bathrooms. The primary bedroom is generously sized, and the master bathroom offers ample space with a beautifully designed shower and a large walk in closet, providing comfort and functionality. Enjoy outdoor living in the beautiful backyard, ideal for relaxing or entertaining, complete with a privacy fenced rear yard, irrigation system, and a two-car garage. This home has been immaculately maintained and was used exclusively as the owners' private vacation retreat. It has never been rented and has only been occupied by the owners, reflecting exceptional care and minimal wear. Located just minutes from Pier Park, you'll enjoy endless shopping, great restaurants, entertainment venues, and year-round activities right at your fingertips you'll truly never get bored. With beach access, premier retail, and dining all close by, this home delivers the ultimate Panama City Beach lifestyle. Conveniently located near area schools including Hutchison Beach Elementary (~3.5 mi), Surfside Middle School (~2.4 mi), and Arnold High School (~4.5 mi) Whether you're searching for a primary residence, beach retreat, or investment opportunity, this home offers space, location, and coastal charm! ''All measurements and square footage are approximate and should be verified by the buyer or buyer's agent. Information is deemed reliable but not guaranteed.''

204 N El Centro Boulevard, Panama City Beach

$415,300
1 Beds 2 Baths 782303 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 3-403, Panama City Beach

$425,000
3 Beds 3 Baths 781935 MLS
Come see your new home sweet home! The perfect location for the young family active in the community, close to schools, church, shopping, and medical facilities. This home is spacious, comfortable, inviting, and meticulously cared for. This brick home in the highly desirable Forest Park East neighborhood is move-in ready or add your personal touch to make it your own. With three bedrooms, three baths, an open layout (almost split floorplan), this could be yours. There are so many options in this home. There are three bedrooms on one end of the home and an addition (with big, beautiful windows looking into the backyard) on the other end with its own walk-in closet and bathroom which could be used as a 4th bedroom. Or! since this addition is located just past the kitchen and has its own entry from outside, it could be used as an additional dining area, den or office. There is a nice size laundry area with a built-in desk for another perfect office space. The master suite has two closets and a fully updated walk-in shower. There is a new privacy fence just installed and the property is protected with a security system transferrable to the new owners. Lawn maintenance is low with a sprinkler system in the front yard. To fully appreciate the scope of this home, you have to see it in person. Reach out today to schedule a private tour. Measurements are approximate. All information is believed to be accurate but should be verified by buyer if important.

2707 Pembroke Drive, Panama City

$429,000
2 Beds 3 Baths 781755 MLS
This beautifully remodeled gulf front condo offers the perfect blend of modern luxury and coastal charm. From the moment you step inside, you are greeted by an open-concept living area featuring windows that frame breathtaking views of the Gulf of Mexico and the Tower's indoor/outdoor heated pool. The kitchen has been updated with appliances, solid-surface countertops, and cabinetry, making it both stylish and functional for cooking and entertaining. The half-bath laundry features a large stack washer/dryer. The bathrooms showcase modern fixtures, beautiful tilework, providing a spa-like retreat after a day at the beach. Luxury vinyl plank flooring runs seamlessly throughout the condo, complementing the crisp, neutral color palette. The master suite boasts direct access to a private balcony overlooking Lake Powell, perfect for enjoying morning coffee or watching the sun go down for the day. With direct beach access just steps away, this remodeled gulf front condo is an exceptional opportunity to experience waterfront living at its finest. Pinnacle Port Resort is situated on a 25+ acre site within a beautiful gated community having over ¼ mile of beach frontage! The complex has lots of amenities including two swimming pools, tennis courts sauna/steam room, fitness room, its own private freshwater dock with boat slips boat launch and wi-fi. Please note that the Association fees include electricity for heating, cooling and hot water. The owner pays a small electricity bill for lighting and appliances only.

23223 Front Beach Road Unit A-721, Panama City Beach

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