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

VERY MOTIVATED SELLERS! Bring us an offer. Looking for more space, a great backyard, and a community with amenities you'll actually enjoy? This 4-bedroom, 2.5-bath, 2,303 sq. ft. home in Fanning Bayou deserves a look! Inside, you'll find an open floor plan with vaulted ceilings, a spacious kitchen with granite countertops, a large island, updated appliances, and an oversized pantry. The primary suite features a beautiful ensuite and large walk-in closet, while three additional bedrooms provide plenty of flexibility. Step outside to a fully fenced backyard, extended covered porch, and peaceful pond views--perfect for morning coffee, entertaining, or relaxing after a long day. Enjoy neighborhood amenities including a 5,000 sq. ft. pool pavilion, grilling areas, and playground. ATTENTION: Qualified buyers may be eligible for a lender-paid 1/0 temporary rate buydown through preferred lender Brenda Barclay, Southern Mortgage Solutions. Subject to borrower, loan, property and program eligibility. Terms and availability subject to change. Ask listing agent or lender for details. Brenda Barclay | Sr. Loan Officer Southern Mortgage Solutions

171 Grafton Street, Panama City

$440,000

3 Beds ⋅ 2 Baths ⋅ 784742 MLS

Welcome to Ocean Mist--one of Panama City Beach's hidden coastal gems. This quiet, gated community of only 24 craftsman-style homes offers a rare low-density beach lifestyle with sidewalks, underground utilities, and a secluded community pool complete with a shaded pergola--all just a short stroll from the sugar-white sands and emerald waters of the Gulf. Built with upgraded 2x6 exterior walls rather than standard 2x4 construction, this home provides enhanced durability, insulation, and energy efficiency. Meticulously maintained and thoughtfully upgraded, the one-story ''Windsong'' floor plan features 3 bedrooms, 2 baths, soaring 9-foot ceilings, and an inviting open-concept design with a desirable split-bedroom layout. The beautifully designed kitchen showcases custom solid-wood cabinetry, quartz countertops, stainless steel appliances, upgraded fixtures, and breakfast bar seating--perfect for casual gatherings after a day at the beach. The spacious primary suite serves as a relaxing retreat with a tray ceiling, oversized walk-in closet, double vanities, and a custom tiled walk-in shower with spa-like appeal. Two additional bedrooms and a well-appointed guest bath provide comfortable accommodations for family and guests alike. Outdoors, enjoy your own private retreat featuring a retractable sunshade that creates the perfect setting for morning coffee, evening cocktails, or outdoor entertaining year-round. Additional features include plantation shutters throughout, hurricane shutters, sprinkler system, durable flooring, dedicated laundry room, and a two-car garage with an additional refrigerator. The home is also equipped with a Generac-wired 110 electrical service for easy generator hookup, and both the generator and window-unit HVAC convey with the sale. Built in 2016 and maintained in exceptional condition, this home offers effortless, low-maintenance coastal living with peace of mind. Ideally located south of Highway 98, you'll enjoy quick beach access while being only minutes from Pier Park, Topgolf, Pirate's Voyage, Fresh Market, Target, premier dining, shopping, and local golf courses. The quarterly HOA fee includes gated entry, community amenities, and even weekly trash service--adding convenience to the relaxed coastal lifestyle. Whether you're searching for a full-time residence, second home, or turnkey beach retreat, this exceptional Ocean Mist property offers the perfect blend of comfort, quality, and location--close to everything, yet tucked away from the crowds. All measurements are approximate, buyer should verify if important,

215 Wiregrass Lane, Panama City Beach

$439,000

2 Beds ⋅ 2 Baths ⋅ 784496 MLS

This beautiful renovated 2-bedroom, 2-bath beach cottage in the highly desirable Laguna Beach area of Panama City Beach is the perfect find. Ideally located just steps from the beach—simply cross the street and you're on the sand. This move-in-ready townhouse features new stainless steel appliances, modern updates throughout, and a newer roof for added peace of mind. The community offers a pool, and the low HOA fee of just $159 per month makes ownership even more attractive. Whether you're seeking a primary residence, vacation getaway, or investment property, this home delivers the best of coastal living with excellent walkability to the beach, dining, and local attractions.

36 Chateau Road, Panama City Beach

$445,000

2 Beds ⋅ 2 Baths ⋅ 784487 MLS

Gulf Front Unit situated on the 3rd floor. Unit #307 has been completely remodeled and updated. Unit features approximately 1,000+-SF with two bedrooms, two baths, large living room, kitchen (newly renovated) and stacked washer and dryer. Sit on your private balcony and enjoy the views to the Gulf of Mexico over the sandy beach and pristine sand dunes. Complex is well maintained and well managed.. Great primary home, second home or beach vacation rental. Whispering seas is a low density walk up complex (no elevators) with only three floors; 30 units and approximately 190 feet along the Gulf of Mexico. Pool is located gulf side with grilling stations, gazebo and picnic areas. Both the milestone report and structural integrity reserve study have been completed with no pending special assessments. Don't let this fully furnished and fully renovated unit pass. New 2026 water heater.

8610 Surf Drive Unit 307, Panama City

$419,900

3 Beds ⋅ 2 Baths ⋅ 784237 MLS

This home truly has it all. A beautifully maintained brick split-design home offering 3 bedrooms, 2 bathrooms, and over 1,800 square feet of living space. It's equipped with a whole-home 50-amp generator, providing peace of mind in any weather. The home also features new hurricane impact windows, adding protection and valuable insurance savings. Step into the foyer with tray designs and raised ceilings throughout, creating an open and spacious feel. The layout flows easily into the living room and kitchen, making it ideal for everyday living and entertaining. The kitchen includes recently upgraded appliances, granite counter tops, and opens directly into the dining area, where you'll enjoy views of the outdoor pool. The primary suite is generously sized and features tray ceilings, an over-sized walk-in closet, and a well-appointed bathroom with separate tiled walk-in shower and relaxing garden tub. Outside, you'll find a private, fully fenced backyard with a brand-new underground pool added in October 2025. The recently screened-in back porch offers the perfect spot to relax while watching family and friends enjoy the pool. This immaculate home feels like a personal retreat, combining comfort, style, and thoughtful upgrades designed to protect what matters most. This is one you truly don't want to miss. Schedule your private showing today.

5005 Maggie Lane, Panama City

4100 Marriott Dr Unit 208, Panama City Beach

$419,900

2 Beds ⋅ 2 Baths ⋅ 993820 MLS ⋅ 1,458 SqFt.

Wow - gorgeous from the moment you open the door! Experience lagoon-front living in this stunning 2-bedroom, 2-bath coastal residence located in the highly desirable Bay Point community. Your condominium features a fully updated kitchen, new luxury vinyl plank flooring throughout, a brand-new HVAC system, open-concept layout, and elegant board-and-batten wood trim details. Step onto your private balcony—ideal for relaxing or entertaining—while taking in spectacular water views and unforgettable sunsets. Reflections at Bay Point offers breathtaking lagoon and St. Andrew's Bay views along with resort-style amenities including a lagoon pool, heated pool, hot tub, fire pits, outdoor grilling areas, and an owners' lounge. Residents also enjoy access to Bay Points Nicklaus-designed golf course, Point South Marina, and waterfront dining just steps away. Ideally located near St. Andrews State Park and the desirable east end, you can take advantage of opportunities for boating, fishing, shopping, dining, and all the attractions Panama City Beach has to offer. Whether you're searching for a primary residence, second home, or vacation rental opportunity, this property checks all the boxes. Schedule your private showing today!

4100 Marriott Dr Unit 208, Panama City Beach

9902 S Thomas Drive Unit 130, 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

$420,000

3 Beds ⋅ 2 Baths ⋅ 784150 MLS

Step back in time and discover the charm, character, and history of this unique coastal cottage! Located just 1.5 blocks from the water near West End Access 76A, this special home is nestled in a quiet, golf-cart-friendly beach community where life moves at a more relaxed pace. Originally built in 1950 as officer housing on Tyndall Air Force Base, this piece of history was decommissioned and relocated to its current homesite in 1985. What began as a cozy two-bedroom, one-bath home was thoughtfully expanded in the 1990s to include a primary bedroom, an additional bathroom, and a bonus room, bringing the total living space to 1,072 square feet. Inside, you'll fall in love with the timeless cottage character and craftsmanship that's hard to find today. Beautiful tongue-and-groove floors, walls, and ceilings, distinctive baseboards, crown molding, solid wood cabinetry, and original hardwood floors give this home a warmth and personality all its own. Situated on an extra-large 60' x 120' lot totaling 7,200 square feet, this property offers room to dream! Imagine creating your own backyard oasis with a pool, adding a second dwelling (subject to applicable approvals), or simply enjoying the extra outdoor space. With no HOA, an oversized driveway, and abundant parking, you'll have the freedom and flexibility to make this property your own. Numerous updates completed between 2022 and 2025 add peace of mind and convenience, including a new roof, gutters, windows, interior paint, toilets, hot-water heater, exterior doors and locks, leveling and primary bedroom support improvements, a refreshed screened front porch with a new door, and a new outdoor shower and sink, along with covered parking. Whether you're searching for a beach getaway, a full-time coastal home, or a property with room to grow, this one-of-a-kind cottage offers a rare combination of history, character, and potential in a desirable beachside location. Don't miss your chance to own a little piece of beach history! Schedule your private showing today and imagine the memories waiting to be made.

209 S Wells Street, Panama City Beach

4100 Marriott Drive Unit 208, Panama City

$419,900

2 Beds ⋅ 2 Baths ⋅ 784142 MLS

Wow - gorgeous from the moment you open the door! Experience lagoon-front living in this stunning 2-bedroom, 2-bath coastal residence located in the highly desirable Bay Point community. Your condominium features a fully updated kitchen, new luxury vinyl plank flooring throughout, a brand-new HVAC system, open-concept layout, and elegant board-and-batten wood trim details. Step onto your private balcony—ideal for relaxing or entertaining—while taking in spectacular water views and unforgettable sunsets. Reflections at Bay Point offers breathtaking lagoon and St. Andrew's Bay views along with resort-style amenities including a lagoon pool, heated pool, hot tub, fire pits, outdoor grilling areas, and an owners' lounge. Residents also enjoy access to Bay Points Nicklaus-designed golf course, Point South Marina, and waterfront dining just steps away. Ideally located near St. Andrews State Park and the desirable east end, you can take advantage of opportunities for boating, fishing, shopping, dining, and all the attractions Panama City Beach has to offer. Whether you're searching for a primary residence, second home, or vacation rental opportunity, this property checks all the boxes. Schedule your private showing today!

4100 Marriott Drive Unit 208, Panama City

$415,706

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

5115 Gulf Dr Unit UNIT 1904, Panama City Beach

$405,000

1 Beds ⋅ 2 Baths ⋅ 988744 MLS ⋅ 883 SqFt.

19TH-FLOOR GULF-FRONT RETREAT AT SEYCHELLES! Wake up to breathtaking views of the emerald-green Gulf of Mexico from your private balcony! This furnished 1-bedroom, 2-bath condo offers 883 square feet of coastal comfort, spectacular Gulf views, and an opportunity to own a piece of paradise on Panama City Beach's quieter east end. The open living and dining area welcomes natural light and Gulf views, while the kitchen features quartz countertops and stainless steel appliances. The spacious primary bedroom offers balcony access and a private bath, with a second full bathroom providing convenience for guests. Seychelles Beach Resort features direct beach access, two Gulf-front pools, a hot tub, fitness center, and covered parking. Walk to Schooners, a longtime beachfront favorite, or explore nearby St. Andrews State Park, marinas, boating, fishing, and waterfront dining. Looking for a personal beach escape or vacation rental investment? Unit 1904 has generated approximately $25,900 in gross rental income YTD in 2026, before expenses. Your Gulf-front getaway is waiting. Come experience the view! The primary suite offers comfort and style with ensuite bath and direct balcony access, while the second full bathroom adds convenience for guests. Enjoy the best of coastal living with world-class amenities, such as the sparkling Gulf-front pool & hot tub, fitness center and owner's lounge and private beach access!! Located just minutes from St. Andrews State Park, local dining, shopping, and entertainment, this condo truly has it all. Don't miss your chance to own a piece of paradiseschedule your private showing today!

5115 Gulf Dr Unit UNIT 1904, Panama City Beach

$427,000

3 Beds ⋅ 3 Baths ⋅ 989516 MLS ⋅ 2,440 SqFt.

This spacious home offers endless potential to customize your perfect coastal dream home getaway. The home is Located in a premier golf and marina community for your convenience and enjoyment. This home is 2100+ square feet, featuring a nicely sized vaulted family room with floor to ceiling wood burning fireplace and sliders leading to the back yard. Separate Dining Room for family dinners or the buyer who loves to entertain. The eat in kitchen also has sliders to the back yard. Mother In Law Suite with bathroom. Bedrooms are nicely sized. The Master Bedroom with plenty of closet space and also has a slider leading to back yard. Master Bath with a sunken tub great for a relaxing bubble bath. Come and See!!

612 Amberjack Dr, Panama City Beach

10811 Front Beach Rd Unit 1503, Panama City Beach

$430,000

2 Beds ⋅ 2 Baths ⋅ 975475 MLS ⋅ 975 SqFt.

Experience the best of beachfront living at Majestic Beach Towers II in beautiful Panama City Beach. This impeccably maintained 2-bedroom, 2-bath Gulf-front condo offers 975 square feet of thoughtfully designed space with panoramic views of the emerald waters and sugar-white sands of the Gulf of America. The open-concept layout features a bright and airy living area, a modern kitchen with stainless steel appliances, and seamless access to a private balcony--perfect for enjoying sunrise coffee, al fresco dining, or simply relaxing to the sound of the waves. Whether you're looking for a personal coastal retreat or a high-performing rental property, this unit delivers the ideal blend of luxury, comfort, and unbeatable location.

10811 Front Beach Rd Unit 1503, Panama City Beach

12011 Front Beach Road Rd Unit 1802B, Panama City Beach

$405,000

2 Beds ⋅ 2 Baths ⋅ 989373 MLS ⋅ 1,076 SqFt.

Welcome to Sunny Shore Oasis at Sterling Reef 1802B—an 18th-floor Gulf-front condo with sweeping views of turquoise waters and sugar-white sand. Enjoy brand-new luxury vinyl plank flooring (installed Sept 2025), a bright coastal design, and an open layout with balcony access from both the living room and Gulf-front primary suite. This fully furnished 2BR/2BA sleeps up to seven and is turnkey with excellent Airbnb reviews and 2025 bookings that convey. Sterling Reef offers resort-style pools, fitness center, grilling areas, and direct beach access near the County Pier and Pier Park.

12011 Front Beach Road Rd Unit 1802B, Panama City Beach

10901 Front Beach Rd Unit UNIT 1311, Panama City Beach

$449,900

2 Beds ⋅ 2 Baths ⋅ 980512 MLS ⋅ 958 SqFt.

What a deal! Two Bedroom Condo at Majestic under $450,000! Beautiful Gulf front condominium unit w/fabulous views located at the popular Majestic Beach Resort. Well maintained two bedroom two bath unit has been lovingly updated & shows very well! Updates include water heater (2022), kitchen appliances replaced (2023,),washer/dryer (2024), shiplap, 65'' TV in living room, kitchen backsplash, new paint,& king-sized beds in each full-sized bedroom with new Mattresses (2023). 5 pools (indoor & outdoor pools), including hot tubs, movie theatre, fitness area,tennis/pickle ball courts, complimentary use of game room with ping pong, pool and fooseball. A fully funded/solid HOA helps to make this a great value. Call to schedule your showing appointment (All important details need to be verified by appropriate specialist)

10901 Front Beach Rd Unit UNIT 1311, Panama City Beach

9860 S Thomas Dr Unit UNIT 1110, Panama City Beach

$425,000

3 Beds ⋅ 2 Baths ⋅ 975190 MLS ⋅ 1,262 SqFt.

Seller Offering $15,000 Cash Back towards Buyers Closing Costs/ Rate Buy Down, or Anyway you choose! *Spectacular Beach/Gulf Views *Location *Sleeps 8 Comfortably with Extra Bunk Room *Fully Furnished/Turn Key with Fine Furnishings *New 2025 Water Heater *Newer 2020 Stainless Appliances *Newer 2020 Washer/Dryer *Newer 2021 HVAC *Spacious King Master Suite with Mesmerizing Water Views *Only 1 Floor up from the direct walkover to the pool for convenience *Great Investment to add to your Portfolio or use as a Vacation/Second Home or Full Time Residence. Phenomenal Resort Amenities to include *Private Beach Access *5 Stunning Unique Pools, 2 Hot Tubs *Beach Bar, Pool Bar *5 Onsite Restaurants + Ice Cream Shop *Gulf Front Fitness Center *Pickleball *Putting Green *Covered Parking *Private Lake with Captivating Nightly Fountain/Light Shows & Scenic Walking Boardwalk around *Onsite Market Shops *Close to Numerous PCB Attractions, Shopping, Restaurants & Night-life! What Else Could You Ask For? Make This Resort Condo Yours and Start Living The Dream Life you Deserve!

9860 S Thomas Dr Unit UNIT 1110, Panama City Beach

14701 Front Beach Rd Road Unit 1327, Panama City Beach

$450,000

1 Beds ⋅ 2 Baths ⋅ 783201 MLS

Investors Dream Already on the Rental Market and Being Rented Weekly, Fully Furnished and Ready To Go and Take Over One Bedroom Condo Sleeps Six, Upgraded Flooring, Bathrooms, Kitchen and Furniture Large Balcony with all the goodies .Beautiful Condo on the worlds most beautiful beach.

14701 Front Beach Rd Road Unit 1327, Panama City Beach

$417,500

5 Beds ⋅ 2 Baths ⋅ 782925 MLS

*** Huge, and elegant white 5 bedrooms/ 2 baths concrete corner house *** One of the biggest houses in THE COVE neighborhood. Centrally located within walking distance to Cherry, Jinks, and Bay Schools, and short drive to the beach, St. Andres Bay, downtown and the Tyndall Air Force Base! *** Over $200K in upgrades! Completely renovated with modern finishes, new flooring, freshly painted, recessed lighting trough out, stainless steel appliances, metal roof, landscaped, and much more! 2,328 Sq ft. 1 Car garage + 6 Parking spaces, and great patio area for kids' playground, BBQ, pets, you can even install an above ground pool for this summer! Call now, it won't last *

1006 E 2nd Court, Panama City

11757 Front Beach Road Unit 404, Panama City Beach

$430,000

1 Beds ⋅ 2 Baths ⋅ 782359 MLS

This beachfront 1 bedroom, 2 bathroom condo features views of the emerald waters & sugar white sands of Panama City Beach. This unit makes a great rental investment or private home. Interior features include tile floors throughout, upgraded counter tops and kitchen cabinets, mirrored walls, and built in bunk beds. The Windward building is closer to the water than most condos-a shorter walk to get to the sand and surf! The Club offers many desirable amenities accessible from the Windward Condos. Windward 404 comfortably sleeps up to 6 guests in a king-sized bed, queen sized sofa sleeper in the living room, and built in twin bunk beds. All information is estimated, including age, square footage, and school zones. Buyers should verify if important.

11757 Front Beach Road Unit 404, Panama City Beach

15928 Front Beach Road Unit 3-403, 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

9902 S Thomas Drive Unit 234, Panama City

$425,000

3 Beds ⋅ 3 Baths ⋅ 781640 MLS

FULLY FURNISHED & A CURRENT CASH FLOWING INVESTMENT!! Welcome to Laketown Wharf #234, a stunning, fully renovated 3-bedroom, 3-bath residence offering breathtaking views from the main living area, primary suite, and oversized balcony. The unit is located on the second floor, offering convenient access to the parking garage—if you park on Level 2, you can walk directly to the unit without needing the elevator! Plus, you're just steps from the beach! Laketown Wharf is one of the most sought-after buildings in PCB. This turn-key condo combines coastal living and convenience. The unit has a strong track record of rental income. And a full-year expected to be $56,000, it presents an outstanding investment opportunity—or if rentals aren't the goal, this beautiful unit can also make the perfect second-home getaway. The resort features some of the largest floor plans in PCB with 9-foot ceilings, and an impressive list of amenities including: five pools, two hot tubs, a putting green, and a fitness center with Gulf views. As the sun sets, enjoy the nightly 8 p.m. light show that adds a touch of magic to your beachfront evenings. The complex also offers on-site dining, billiards & bowling alley, and much more! Your family or rental guests will love vacationing here and want to come back every year! Step inside to discover an open-concept layout designed for entertaining, featuring coastal-inspired finishes, updated flooring, lighting, and premium furnishings. The updated kitchen is equipped with stainless steel appliances, granite counters, and plenty of storage. The spacious primary suite offers balcony access and a spa-like en suite with a soaking tub and a walk-in shower with multiple jets. Every detail has been carefully curated, from the decor to the thoughtful updates. The condo also includes a NEW AC unit, washer/dryer, and parking just steps away with minimal elevator traffic. Experience the perfect blend of luxury, location, and income potential—this one truly has it all.

9902 S Thomas Drive Unit 234, Panama City

$427,000

3 Beds ⋅ 3 Baths ⋅ 781566 MLS

This spacious home offers endless potential to customize your perfect coastal dream home getaway. Home is located in the premier golf and marina community for your convenience and enjoyment. This home is 2100+ square feet, featuring nicely sized vaulted family room with floor to ceiling wood burning fireplace and sliders leading to the back yard. A separate dining room is perfect for family dinners or the buyer who loves to entertain. The eat in kitchen also has sliders to the back yard. Mother In Law Suite with Bathroom. Bedrooms are nicely sized. The Master Bedroom with plenty of closet space and also has a slider leading to back yard. Master Bath with a sunk in tub great for a relaxing bubble bath. Possible In-Law quarters. Come and See!!

612 Amberjack Drive, Panama City Beach

$405,000

1 Beds ⋅ 2 Baths ⋅ 781076 MLS

19TH-FLOOR GULF-FRONT RETREAT AT SEYCHELLES! Wake up to breathtaking views of the emerald-green Gulf of Mexico from your private balcony! This furnished 1-bedroom, 2-bath condo offers 883 square feet of coastal comfort, spectacular Gulf views, and an opportunity to own a piece of paradise on Panama City Beach's quieter east end. The open living and dining area welcomes natural light and Gulf views, while the kitchen features quartz countertops and stainless steel appliances. The spacious primary bedroom offers balcony access and a private bath, with a second full bathroom providing convenience for guests. Seychelles Beach Resort features direct beach access, two Gulf-front pools, a hot tub, fitness center, and covered parking. Walk to Schooners, a longtime beachfront favorite, or explore nearby St. Andrews State Park, marinas, boating, fishing, and waterfront dining. Looking for a personal beach escape or vacation rental investment? Unit 1904 has generated approximately $25,900 in gross rental income YTD in 2026, before expenses. Your Gulf-front getaway is waiting. Come experience the view!

5115 Gulf Drive Unit 1904, Panama City

16701 Front Beach Unit 1105, Panama City Beach

$415,890

1 Beds ⋅ 2 Baths ⋅ 780236 MLS

**Motivated Seller!** Ideally located in the heart of the **Panama City Beach tourism district**, this well-maintained condominium puts you within walking distance of **Pier Park and Russell-Fields Pier**, with **Frank Brown Park just minutes away**. The inviting open-concept floor plan seamlessly connects the kitchen and living area, offering **beautiful Gulf views** and a comfortable space for relaxing or entertaining. Tile flooring runs throughout the unit, including upgraded tile in the bedroom and living room designed to resemble maple hardwood. Recent improvements include **fresh interior paint and a newer hot-water heater**. Step outside onto the private balcony and enjoy the convenience of a **built-in electric grill**--perfect for enjoying the coastal atmosphere. The unit comfortably accommodates **up to four adults and two children**, making this floor plan especially appealing for Panama City Beach's vacation rental market. It has historically attracted **prime-season short-term vacationers as well as off-season monthly ''snowbird'' guests**. With its desirable location near some of PCB's most popular attractions, Gulf views, and rental-friendly layout, this condo offers an excellent opportunity for a **vacation getaway, second home, or investment property**.

16701 Front Beach Unit 1105, Panama City Beach

$405,000

2 Beds ⋅ 2 Baths ⋅ 779790 MLS

Welcome to a sunny shore oasis at Sterling Reef 1802B. This 18th-floor Gulf front condo offers breathtaking views of turquoise waters and sugar-white sand. Brand new luxury vinyl plank flooring was installed in September 2025, complementing a bright coastal design and open layout that draws your eye to the horizon. The Gulf front primary suite opens to the balcony, which also connects to the living room, creating seamless indoor-outdoor living. With two bedrooms, and two baths, this fully furnished condo is turnkey and professionally styled. Marketed on Airbnb as Sunny Shore Oasis, it boasts outstanding reviews and secured bookings that convey to the new owner. Sterling Reef features resort-style amenities including two pools, a fitness center, outdoor grilling and picnic areas, and private beach access. Recent building updates include modernized elevators and exterior finishes. Located next to the County Pier, across from Shipwreck Island, and just minutes to Pier Park.

12011 Front Beach Road Unit 1802B, Panama City Beach

14415 Front Beach Road Unit 1602, Panama City Beach

$449,000

2 Beds ⋅ 2 Baths ⋅ 778981 MLS

Offered for sale is Ocean Reef Unit 1602, a two-bedroom, two-bath, gulf-front condo with a spacious 10x27 (270+ sq. ft.) balcony. The Unit 1602 floorplan features: a gulf-front living area and gulf-front master bedroom with separate balcony access; tiled floors; luxury vinyl bedroom flooring; and matching tile backsplash and bar facing. The Ocean Reef balcony size is fabulous and sets it apart from many other resorts. From the moment you walk-in you'll notice the beautiful gulf-views from the kitchen, dining, and living areas. The master bedroom features a private bath with double vanity. The guest bedroom is large enough for two beds and offers private access to the guest bathroom. The laundry room includes a side-by-side washer and dryer. Ocean Reef features two pools and a large hot-tub. The gulf-front pool is located directly behind the building. The indoor pool is perfect for colder days. Ocean Reef is perfectly situated! Just to the west, a short walk away, enjoy delicious meals at the beach-front Runaway Island Restaurant or venture across the street for yummy coffee and donuts at A'more or lunch at the Funland Snack Bar. Across the street you'll find the Hidden Lagoon mini golf and golf carts or shop at the large Alvin's Island Gift Shop. The famous Pier Park restaurant, entertainment, and shopping district is just 1.75 miles to the west. The new TopGolf restaurant, bar, and golfing fun is just 1.5 miles to the west. Unit 1602 includes your very own exclusive-use, assigned, parking space on level 2 under the building. No walking across the street or wasted time looking for a parking space. All dimensions and square footages are approximate and to be verified by buyer if important. The HVAC Unit is dated August 2021. *Living rom sofa does not convey.

14415 Front Beach Road Unit 1602, Panama City Beach

10901 Front Beach Road Unit 1311, Panama City Beach

$449,900

2 Beds ⋅ 2 Baths ⋅ 773283 MLS

This condo, has 2 good sized bedrooms with King beds, fully equipped kitchen, beautiful gulf front views, many updates and ready for you to enjoy. Majestic has 5 pools, including 2 indoor pools, hot tubs, tennis/pickle ball courts, fitness center, movie theater, owners lounge, ball rooms on premises with a complimentary game room for you, your guest and family to enjoy! The unit itself has newer water heater (2022), kitchen appliances replaced (2023,), washer/dryer (2024), shiplap, 65'' TV in living room, kitchen backsplash, fresh paint, king-sized beds with new Mattresses (2023). A fully funded/solid HOA helps to make this a great value. Call to schedule your showing appointment (All important details should be verified by the appropriate specialist).

10901 Front Beach Road Unit 1311, Panama City Beach

10811 Front Beach Unit 1503, Panama City Beach

$430,000

2 Beds ⋅ 2 Baths ⋅ 772925 MLS

ALL OFFERS WELCOME! Experience the best of beachfront living at Majestic Beach Towers II in beautiful Panama City Beach. This impeccably maintained 2-bedroom, 2-bath Gulf-front condo offers 975 square feet of thoughtfully designed space with panoramic views of the emerald waters and sugar-white sands of the Gulf of Mexico. The open-concept layout features a bright and airy living area, a modern kitchen with stainless steel appliances, and seamless access to a private balcony--perfect for enjoying sunrise coffee, al fresco dining, or simply relaxing to the sound of the waves. Whether you're looking for a personal coastal retreat or a high-performing rental property, this unit delivers the ideal blend of luxury, comfort, and unbeatable location.

10811 Front Beach Unit 1503, Panama City Beach

9900 S Thomas Drive Unit 1925, Panama City

$400,000

1 Beds ⋅ 2 Baths ⋅ 767725 MLS

This unit 1925 at Shores of Panama Beach Resort has been renovated to include comfort and beauty and provides endless opportunities for relaxing by the Gulf! When you enter the unit you will already begin to feel relaxed when viewing the mesmerizing coastal views! Once inside the unit you have amazing views from the Master bedroom and the Kitchen living area! This is the perfect sunset spot too as you can lounge on your couch or poly wood loungers on your own private balcony and watch the amazing sunsets Panama City Beach Offers! Having the Master bedroom and a bunk area with 2 full bathrooms provides ample room for up to 6 guests. The bunk area has a full bunk on the lower and is enclosed by a sliding barn door providing you or your guests even more privacy! This condo boasts new flooring throughout, shiplap walls, smooth ceilings, granite countertops, washer/dryer stack. Don't miss the opportunity to make this your home or rental investment and enjoy basking in the indoor/outdoor pools, hot tub, or utilize the fitness center onsite. There is 24 hour security and beach access! The Shores of Panama is also located near so many dining options and fun activities! Check this one out it's really turnkey and ready for you! Fully furnished! You will also have a dedicated parking spot labeled 1925 and it's located on the 10th floor. During peak season there will be tiki food snacks, beverages, bar, and also inside you will find more snacks, along with ice cream shop!

9900 S Thomas Drive Unit 1925, Panama City

17757 Front Beach Road Unit 2207D, Panama City Beach

$419,000

1 Beds ⋅ 2 Baths ⋅ 745445 MLS

BACK ON THE MARKET! You're in luck, this beautiful beachfront condo is available to purchase again! The previous buyer defaulted after a very long contract to purchase. Act fast and check out this completely renovated Celadon Beachfront Condo on the popular west end of Panama City Beach, Florida. This gorgeous unit has been fully remodeled with upgrades including all new furnishings, stainless steel appliances, vanities, showers, lighting, fans, roller shades, flooring and paint. This floor plan is in high demand featuring a 1-bedroom with 2 full baths + built-in bunk beds. Spacious Gulf-Front Living Room with 9' ceilings. Floor-to-ceiling glass sliding doors to let in that Florida sunshine. Relax on your private balcony with endless water views and salty breezes. The Galley Kitchen with a breakfast bar and dining area is the perfect size for a vacation get-a-way. The master features a king size bed, plus there are built-in-bunks in the hall and a sofa sleeper to accommodate up to 6 guests. It's the perfect location for a beach vacation with many exclusive resort amenities including beach access, indoor/outdoor heated pool, hot tub, exercise room, tennis court, detached garage with skywalk, hi-speed elevators, security. Nice central location near Pier Park, Airport, 30A Shops & Eateries. Call today to schedule a showing and make this property yours.

17757 Front Beach Road Unit 2207D, Panama City Beach

208 3rd Street Unit 1/2, Panama City Beach

$449,000

2 Beds ⋅ 2 Baths ⋅ 758001 MLS

Charming low maintenance beach cottage ready for you, your family and friends to make a lifetime of memories. The home has a newer raised seamless metal roof. There is a 10' recorded easement on the south side of 208 3rd St to access the home. Also the owner of 208 3rd Street parks in front of his home. There is 2,800+/- feet of beach with no buildings. There is not an HOA. The home is connected to public sewer. It is the responsibility of the buyer to verify all measurements.

208 3rd Street Unit 1/2, Panama City Beach

8700 Front Beach Road Unit 8107, Panama City Beach

$449,900

3 Beds ⋅ 4 Baths ⋅ 774345 MLS

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

8700 Front Beach Road Unit 8107, Panama City Beach

6505 Thomas Drive Unit 613C, Panama City

$439,000

2 Beds ⋅ 2 Baths ⋅ 771398 MLS

Welcome to SUMMERHOUSE CONDOS. Summerhouse has been a favorite area condo resort for years. Several generations of owners and guests have grown up making Summerhouse their Beach Escape. Dive into the coastal lifestyle with this highly desirable 2-Bedroom, 2-Bath unit located on the 6th floor of the newest building. This midrise location will help ensure maximum rental income potential, making it an excellent investment opportunity. Step inside this nicely updated unit, The whole unit has tiled floors which makes it so much easier to keep clean and neat. The kitchen has updated appliances, counters, hdware, sinks, and cabinets. Throughout the unit all the furniture with the exception of the master bedroom has been replaced in the last 18-months, including light fixtures and ceiling fans. The air handler was replaced a couple years ago after Hurricane Michael, along with a full size stack washer/dryer.. New wall mounted TV's, 2-new leather recliners, and sturdy longlasting composite patio furniture round out recent upgrades and helps give this unit a new complete contemporary look. Natural light fills the unit from the wall to wall sliding glass doors in the unit. Enjoy the beautiful beach and gulf views from inside your unit on from outside on the balcony. The owner has high-end composite patio furniture for comfortable seating. Relax with a cool refreshing sasaparilla, (rootbeer) while watching friends and family down at the pools or watching for schools of fish or dophins as theyy swim down the beach. Stay connected and comfortable with the smart thermostat with remote acccessibility. The kitchen is fully stocked with all essentials, ensuring a delightful cooking experience. Summerhouse offers a long list of amenities for your enjoyment, including 2 pools, (one heated in the winter), a kiddie pool for the little ones, hot tub, tennis court, game-room, owners lounge, and an onsite Homeowners and Rental Office. Don't miss the large gulf front gazebo, a perfect spot to take a break from the sun, savor a snack, read a book, or simply people-watch. The lounge area, check in office, and lobby area have just completed a beautiful upgrade to those areas. Along with this updating is also a new little store area carrying small essentials and snacks for the beach. Award winning and picturesque St. Andrews State Park is located just a short distance away along with area grocer stores and popular restaurants. Just a short distance away are also most of our area's fleets of fishing, diving, and sightseeing boats. Summerhouse is an owner pet friendly complex. Don't let this opportunity slip away--make this Summerhouse unit, ''YOUR SUMMERHOUSE''! Embrace the coastal paradise, and contact your agent today to schedule a showing and to find your piece of paradise on Panama City Beach.

6505 Thomas Drive Unit 613C, Panama City

23223 Front Beach Road Unit 533, Panama City Beach

$425,000

2 Beds ⋅ 3 Baths ⋅ 773306 MLS

Welcome to an exceptional opportunity to own a stunning two-story condominium Pinnacle Port, located in the heart of Panama City Beach, Florida. This condo offers a harmonious blend of coastal and lakeside living, providing an unparalleled lifestyle experience. Upon entering the condo, you are greeted by a spacious living area that seamlessly flows into a Gulf-front balcony, offering breathtaking views of the pristine waters. The main level features a well-appointed kitchen, designed for both functionality and style, making it ideal for entertaining guests or enjoying a quiet evening at home. The upper level houses two generously sized bedrooms, each offering unique views. The guest bedroom provides captivating vistas of the Gulf, while the master bedroom features a private balcony overlooking the serene waters of Lake Powell. This thoughtful layout ensures privacy and comfort, enhancing the living experience. Residents of this exclusive community enjoy a host of amenities designed to enrich their lifestyle. The 24/7 gated community ensures security and peace of mind, while the fitness center caters to your health and wellness needs. For sports enthusiasts, the pickleball court, playground, and basketball court offer ample opportunities for recreation. The boat dock and launch, along with a fishing pier, provide direct access to Lake Powell, perfect for canoeing and fishing enthusiasts. Located just minutes away from the vibrant 30A corridor, this property offers convenient access to a variety of attractions and entertainment options. A short drive will take you to Pier Park, where exciting new attractions such as the Dolly Pirate Show and Top Golf are set to open in June. Additionally, the nearby Shops at Carillon offer a delightful shopping experience, while the summer concerts in the park at Carillon provide cultural enrichment and entertainment. This condominium represents the best of both worlds, combining the tranquility of lakeside living with the excitement of Gulf views. Whether you are seeking a permanent residence or a vacation retreat, this property offers an unparalleled opportunity to experience the beauty and lifestyle of Panama City Beach. Don't miss the chance to make this exceptional property your own.

23223 Front Beach Road Unit 533, Panama City Beach

12011 Front Beach Road Unit 405B, Panama City Beach

$430,000

2 Beds ⋅ 2 Baths ⋅ 777834 MLS

*Shown by Appointment* *$20k Price Reduction!!* WOW! Sterling Reef is one of the most sought-after Gulf front communities on the beach! Low density means no waiting for an elevator and always a seat on the pool deck! This 2 bed/2 bath unit is being sold fully furnished and includes washer and dryer! New tile throughout! The main bedroom has its own private bath and glass slider providing over-sized patio access and an amazing view of the water from bed! Sterling Reef amenities include a fitness center with water view and two Gulf front pools for you to enjoy! There is also a grill area with outdoor seating. Plenty of ground floor Garage parking! Sterling Reef is located next to the County Pier, which makes it perfect for fishing, and across from Shipwreck Water Park! Walk to dining and entertainment! *All measurements/info to be confirmed by buyer/representative.

12011 Front Beach Road Unit 405B, Panama City Beach

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