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

$407,900
2 Beds 2 Baths 781694 MLS
** PRICE REDUCTION **Spectacular Gulf-Front Condo at Laketown Wharf Resort Step into a premier resort lifestyle with this beautifully maintained, TURN-KEY, 2-bedroom, 2-bath unit w/ bunk room (approx. 1,262 sf) located on the 9th floor of Laketown Wharf Resort in Panama City Beach. This condo features designer finishes, luxury vinyl plank flooring, updated light fixtures, stylish ceiling fans and barn door to the bunk room. Enjoy sweeping Gulf views from your private, large balcony--perfect for sunrise coffee or sunset cocktails. Relax or entertain in the spacious living/dining area with an open kitchen layout featuring modern appliances and a kitchen island. The generous master suite boasts an en-suite bath and ample closet space. Beyond the unit, you'll enjoy resort-style amenities including five shimmering pools, two hot tubs, tennis courts, pickle ball, 24-hour security, covered parking, nightly light show, on-site restaurants and -- all steps from the beach. The new bowling and billiards, located on the first floor of the parking deck, also gives you a rainy-day option. It's great for date night, watching football or just letting the kids blow off some energy. Whether you're looking for a second home, vacation rental investment or full-time residence, this condo is a rare opportunity. ***$2500 lender credit available. Schedule your viewing today -- opportunities like this don't last long!

9860 S Thomas Drive Unit 927, Panama City Beach

$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

$440,000
3 Beds 3 Baths 780594 MLS
BACK ON THE MARKET -- AT NO FAULT TO THE SELLERS! Buyer financing fell through, creating a second chance to own this RARE 3-bedroom, 3-bath Gulf Villa at Edgewater Beach Resort. Even better? We have a lender who is locked, loaded, and ready to roll for qualified buyers. Welcome to one of the most desirable Villas in all of Edgewater Beach Resort -- a beautifully maintained second-floor beachfront unit offering 1,448 square feet of coastal comfort, incredible views, and strong rental potential. Already boasting over $7,000 in 2026 rental bookings with a new management company just getting started, this property is positioned to be both a relaxing retreat and an income-producing investment. And the views? Not one. Not two. But THREE stunning Gulf views from your south-facing balcony, where you can soak in breathtaking emerald water views and unforgettable sunsets. The Gulf-front primary suite offers private balcony access and panoramic beach views, while the north-facing guest suite overlooks the private Gulf Villas pool for the perfect blend of resort and relaxation vibes. Inside, the open-concept layout is bright, spacious, and designed for effortless entertaining or unwinding after a day on the beach. Every detail captures the laid-back luxury that makes Edgewater one of Panama City Beach's premier full-service resorts. Just steps away, enjoy a scenic walk around the pond to the resort's unique 9-hole, par-27 executive golf course designed by Wes Burnham -- one of the few places where beach living and golf course views come together so seamlessly. As an owner at Edgewater Beach Resort, you'll enjoy world-class amenities including: • Direct beach access to the sugar-white sands of the Gulf • Lagoon-style pools and beachfront hot tubs • Fitness center and full-service spa • Tennis and pickleball courts • Poolside dining, bars, restaurants, and market • Resort tram service for easy transportation throughout the property Whether you're searching for a vacation getaway, primary residence, or a high-performing short-term rental investment, this rare Gulf Villa delivers the perfect combination of luxury, location, and resort lifestyle. Opportunities like this at Edgewater don't come around often -- especially a 3/3 Villa with these views and rental potential.

520 Richard Jackson Blvd Unit 3207, Panama City Beach

$425,000
2 Beds 2 Baths 747753 MLS
Summerhouse Condo on Panama City Beach is one of the most respected complexes in the area. This beautiful 2-Bedroom, 2-Bath unit is located on the very desirable fifth floor. This will be a favorite for renters as it is not too high or too low. This unit overlooks the beach and pools and offers a sunset view all year long. The owner has furnished and accented this unit very nicely and it is ''suitcase and rental ready'' It is all plank flooring throughout which makes it easy to keep clean. Most rooms in the unit offer beautiful beach views.. The spacious kitchen has had plenty of updating with new granite counters and cabinets replaced along with a beautiful tile back-splash. Both baths have also undergone updating. Guest come back each year and pay special compliments on the beautiful pools and grounds area. One of the pools is kept heated for winter enjoyment. There is a 'toddler pool'' for the little people and a hot tub for the big people. The gulf front gazebo is a great place to spend time outside without overdoing the sun. Other amenities include a gameroom, owners lounge, racket and tennis courts, and Homeowners and onsite rental offices for the guest and owners convenience. The Thomas Dr. area of the beach is very popular because it is four-laned and close to everything our area has to offer. Summerhouse has been making owner and guest memories for many sunsets. Come claim your ''SUMMERHOUSE SUNSET'' today.

6505 Thomas Drive Unit 510, Panama City Beach

$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

$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

$425,000
1 Beds 2 Baths 773876 MLS
Introducing Porpoise of Life—a stunning 1-bedroom, 2-bathroom coastal retreat located in the coveted Calypso Tower III, Panama City Beach's newest luxury high-rise. Designed by Grace Interiors of Birmingham, this turnkey unit blends timeless style with modern convenience. From the moment you step inside, you're welcomed by custom furnishings, a calming color palette, and high-end finishes, including granite countertops and sleek tile floors. The king bedroom includes a private ensuite bath, while hallway bunks and a queen sleeper sofa comfortably accommodate up to six guests. A second full bathroom adds functionality, and the fully equipped kitchen, in-unit washer/dryer, high-speed Wi-Fi, and smart TVs make it ideal for both relaxing beach escapes and long-term rental appeal. Step out onto the oversized balcony and enjoy sweeping views of the Emerald Coast, perfect for morning coffee or sunset cocktails. Just steps from the sand and across the street from the famed Pier Park, this unit offers unbeatable access to dining, shopping, and entertainment. Guests and owners alike enjoy exclusive amenities including a resort-style pool, spa, fitness center, fire pit, and more. This property is currently managed under a 10% management fee structure with 30A Seascapes, one of the most competitive and trusted vacation rental platforms in the region—providing owners with strong performance, direct booking exposure, and full-service support. Whether you're looking for a cash-flowing investment, a second home, or a bit of both, Porpoise of Life delivers style, income potential, and location in one polished package.

15928 Front Beach Road Unit 3-410, Panama City Beach

$430,000
2 Beds 3 Baths 770401 MLS
Stunning Panama City Beach Condominium for Sale! Welcome to your dream coastal retreat, nestled in one of the most popular Resorts in Panama City Beach. This stunning condominium is perfect for those seeking both luxury and comfort, offering a serene escape with breathtaking views of the Gulf of Mexico. Key Features • Bedrooms & Bathrooms: This spacious condo boasts two beautifully appointed bedrooms, including a convenient bunk room, and three full bathrooms, ensuring ample space for family and guests. • Fully Equipped Kitchen: The kitchen features modern appliances and ample counter space, making meal preparation a joy. • Open Floor Plan: Enjoy the seamless flow between the living, dining, and kitchen areas, perfect for entertaining or relaxing with loved ones. • Large Balcony: Step out onto the expansive balcony and soak in the stunning panoramic views of the Gulf of Mexico, a perfect spot for morning coffee or sunset cocktails. • Amenities Galore: The resort offers a plethora of amenities designed for your enjoyment and relaxation, making every day feel like a vacation. • Convenient Parking: Benefit from covered parking adding ease to your beachside living experience. Don't miss the opportunity to own a piece of paradise. This condominium is the epitome of luxury living in Panama City Beach, offering a perfect blend of comfort, style, and breathtaking natural beauty. Schedule a viewing today and start imagining the coastal lifestyle you've always dreamed of!

9900 S Thomas 1204 Drive Unit 1204, Panama City Beach

$445,000
4 Beds 2 Baths 777062 MLS
New Price on this Beautiful Home!! Check out this Beautiful centrally located brick home in the heart of Panama City! Step into this Spacious home with a beautiful open sunken living room with a wood burning fireplace, 4 bedrooms 2 baths! This wonderful home features but not limited to all new windows installed-1st week of Sept 2023, kitchen update with new appliances and ceiling, newly painted interior, guest bath has been remodeled, primary bath has a new tile walk-in shower, updated HVAC, and gorgeous landscaping, solar panels that will be paid off at closing by the seller's-Can you imagine how LOW your Power Bill will be? How about $30 per month, Yep, that's right!! Parking is not a problem with an attached 2 car garage and circular driveway that easily accommodates 6 vehicles! Additional features: 2019 roof, storage building in backyard, lawn pump and sprinkler system, Large Florida Room on the back of home overlooking the open patio and beautifully landscaped yard! This wonderful property is conveniently located and just minutes to Historic Downtown Panama City and all the activities to be enjoyed there as well as St Andrews, Parks, Entertainment, Hospitals, Doctors, Public Boat Ramps, Schools, Shopping, Restaurants, a short drive to Tyndall AFB or NSA Panama City Beach, not to mention the Beautiful Beaches of Panama City Beach and Mexico Beach, and so much more! Don't miss this one, call your favorite Realtor and schedule your private showing today! Thank you for considering the fantastic property! All measurements and information should be verified by buyer or buyer's agent if important. *Survey available in the documents section of this listing.

806 S Longwood Circle, Panama City

$449,000
2 Beds 2 Baths 774075 MLS
This spacious 2 bed 2 bath condo overlooking the Gulf, white sugar sands, and the pool deck at Origin is ready for a new owner. Unit 1408 has been renovated with new paint, fans, furniture, and decor. Thoughtfully finished and being sold fully furnished. Once through the sold wood entry door, there is a large kitchen with a new refrigerator, black appliances, and tile floors. A bar top for 4, and a mid-century dining table for 6 will keep your guests together and close to the kitchen for those meals in, or family game night. There is even a desk next to the dining area that provides a nice workspace. The large living room offers plenty of seating, and a sleeper sofa for additional heads in beds. The split floorplan gives plenty of privacy with the guest bedroom opposite the primary bedroom, and a guest bath that opens to the living area and bedroom. The primary bedroom is absolutely huge! There are 2 closets (one that is currently being used as an owner's lock closet), a large hallway, room for a sitting area, an attached full bath, and a sliding patio door with access to the oversized balcony. Both bedrooms have king sized beds and stunning Gulf views. No carpet in the entire unit! Both bedrooms have luxury vinyl plank flooring, and all other area have ceramic tile. Once through the sliding glass door in the living room, or bedroom, you step onto your private balcony overlooking the beach, Gulf, and pool deck. Unit 1408 is one of only two condos with this floorplan at Origin that has an oversized balcony with a walkthrough to the living area and primary bedroom. The patio furniture has recently been upgraded to a composite tall top table with 2 chairs and 2 Adirondack chairs with a side table that will last for many years to come. At 1293 square feet inside, and the large balcony, you will have plenty of room for all your guests! Origin offers many amenities including two BBQ grill/picnic areas, a heated pool, hot tub, theater, game room, laundry facility, vending, a gated community with 24-hour security, Beaches and Cream convenient store and grill, and a Sunsations beach store located on the ground level. Origin is also one of the only high-rise condos on the beach that offers interior corridors that will keep you out of any inclement weather. The sellers are motivated to see their home away from home go to a new owner that will love it the way they have. Give me a call today to schedule your private viewing and make this space your slice of paradise!

15100 Front Beach Road Unit 1408, Panama City Beach

$415,000
3 Beds 3 Baths 768813 MLS
Rare opportunity to own a spectacular turn key 3 bedroom plus bunk room with window and closet, 3-bathroom condo in the coveted Laketown Wharf condominium, perfectly positioned in the heart of Panama City Beach, Florida. This beautifully appointed end unit has been thoughtfully updated with new paint and flooring creating a modern and inviting atmosphere. This condo features two luxurious master bedrooms with private access to a spacious wraparound balcony, allowing you to soak in stunning views and gentle ocean breezes. This property is designed for both relaxation and entertainment. In addition to the master suites, you'll find a charming room with a built-in bunk bed and a spacious closet, perfect for kids or guests, and another inviting room that shares a large bathroom with that room. The layout is ideal for creating lasting memories with family and friends or capitalizing on its current success as a vacation rental or second home. Laketown Wharf boasts an impressive array of amenities, including **five stunning pools** where you can take a refreshing dip or lounge under the sun. You'll also enjoy exclusive access to the beach with the **private beach access **, just steps from your door, perfect for swimming, sunbathing, or leisurely strolls along the shoreline.For those who love convenience, the property offers an array of **shops and restaurants**, all within easy reach, elevating your vacation experience. Whether you're craving seafood, local cuisine, or a quick snack, you're just a walk away from satisfying your appetite. Plus, with **Walmart directly across the street**, daily necessities are never out of reach, making your stay even more effortless. With easy access and no need for an elevator, this end unit condo is a practical choice for families and vacationers alike. Ample parking is conveniently located close to your unit, ensuring hassle-free arrivals and departures.Invest in this exceptional condo at Laketown Wharf and enjoy the best of coastal living, whether as a personal retreat or a lucrative vacation rental. This rare offering won't last long—schedule your private tour today and step into your dream lifestyle by the beach!With easy access and no need for an elevator, this end unit condo is a practical choice for families and vacationers alike. Ample parking is conveniently located close to your unit, ensuring hassle-free arrivals and departures.Invest in this exceptional condo at Laketown Wharf and enjoy the best of coastal living, whether as a personal retreat or a lucrative vacation rental. This rare offering won't last long—schedule your private tour today and step into your dream lifestyle by the beach!

9860 S Thomas Drive Unit 101, Panama City

$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

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