Bay County, FL Real Estate Search

Bay County, FL Waterfront Homes for Sale

Bay County, FL, is a vibrant coastal destination known for its stunning waterfront homes that offer breathtaking views and direct access to the beautiful Gulf of Mexico. With a diverse range of properties, from charming single-family homes to luxurious estates, this area caters to various lifestyles and budgets. Residents can enjoy an array of outdoor activities, including boating, fishing, and beachcombing, making it an ideal locale for those seeking a serene yet active lifestyle. The real estate market in Bay County is thriving, drawing both seasonal visitors and permanent residents who appreciate the blend of natural beauty and community amenities. Whether you're looking for a vacation retreat or a year-round residence, Bay County's waterfront homes promise a captivating living experience surrounded by the allure of Florida's coastal charm.

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Newest Bay County, FL Waterfront Homes for Sale

$390,000
1 Beds 2 Baths 989883 MLS 887 SqFt.
COMPLETELY RENOVATED AND SOLD FULLY FURNISHED - Welcome to Pinnacle Port! Step inside and immediately appreciate the thoughtful upgrades and modern finishes found throughout this beautifully renovated unit, such as the LVP flooring that carries seamlessly from room to room, offering both durability and a clean, coastal look. The bedroom features tasteful barn doors that add charm and function, while the updated staircase and sleek railing elevate the overall aesthetic. One of the standout improvements is the transformation of the former half bath into a full second bathroom, complete with a stylish walk-in shower. On the first floor, the serene bedroom provides peaceful views overlooking Lake Powell, an ideal way to begin and end your day. Head upstairs to the second level where the dining and kitchen areas continue to showcase those tranquil lake views. The kitchen is outfitted with quartz countertops, stainless steel appliances, a casual breakfast bar, and plenty of cabinet space, making it as functional as it is attractive. Additional convenience comes with the in-unit washer and dryer. The main living area is bright and welcoming, opening out to a tiled balcony that offers unobstructed Gulf views along with a clear sightline to one of the community's pools. It's the perfect spot to relax, dine outdoors, or simply enjoy the coastal breeze. With its numerous upgrades, thoughtful layout, and stunning views from both levels, this fully renovated Pinnacle Port unit offers the ideal blend of comfort, style, and coastal living. Pinnacle Port in Carillon Beach has so much to offer. With two pools, one of which is seasonally heated, a poolside cafe, field and court games as well as a playground, library and billiard room. You have access to a private boat ramp on Lake Powell with complementary boat slips for all your water activities. There is even a BRAND NEW PLAYGROUND currently under construction with anticipated completion of July 2026. Pinnacle Port is also located in a gated community with 24/7 security. The prime location offers you easy accessibility to all of your needs. 30A and Rosemary Beach is less than 3 miles to the west with restaurants, shopping, and more. Pier Park is less than 10 miles to the east with so many entertainment options available year round. Only a 30 minute drive to the Northwest Florida International Airport!

23223 Front Beach Rd Unit # 138, Panama City Beach

$1,799,000
4 Beds 4 Baths 981204 MLS 2,800 SqFt.
Experience the ultimate boater's lifestyle on Grand Lagoon in Panama City Beach, where this beautifully furnished 4-bedroom, 3.5-bath waterfront home offers deep water access and a private dock with lift just minutes from the Gulf of Mexico and Shell Island. Designed for those who love life on the water, the property features a 14' x 40' covered boathouse and a 16,000-lb boat lift, making it effortless to spend the day cruising, fishing, or enjoying waterfront dining throughout the area. Inside, the 2,800-square-foot residence offers spacious living areas ideal for hosting family and friends. The open layout flows seamlessly to the outdoor living spaces, where spectacular lagoon views create a stunning backdrop for everyday living and entertaining. Step outside to your private backyard retreat featuring a heated saltwater pool, firepit area, and fully fenced yard - perfect for gatherings, sunset evenings, or relaxing after a day on the water. This newer home also includes lush landscaping, a two-car garage with ample parking, offering both functionality and comfort for full-time living, luxurious coastal getaway or vacation rental property. Ideally located near local marinas, waterfront restaurants, shopping, and Northwest Florida Beaches International Airport (ECP), this home combines convenience with one of the most sought-after boating locations in PC Beach. The 2023 Regal Boat with twin Yamaha 300 outboards, approx 30 hours, may be purchased separately. Buyer to verify all data and dimensions.

8597 N Lagoon Dr, Panama City Beach

$980,000
3 Beds 3 Baths 991420 MLS 1,475 SqFt.
Here is your opportunity to experience Gulf-Front Luxury Living at the Premier residence of Palazzo. One of the most desirable condominium communities along the Gulf Coast. Perfectly positioned along 220 ft of pristine sugar-white sands and emerald waters. This beautifully appointed 3BR/3Bth unit has been gently used as a non-rental. Seller improvements include New Glass in all Floor to Ceiling Windows and Doors. Fresh Paint throughout and tile floor to brighten up the space. HVAC was replaced last year. Lighting and Thermostat are controlled by Alexa app. New High End outdoor furniture was added October 2025. The Kitchen is equipped with Stainless appliances, Granite counter top and an oversized wrap around breakfast bar. SEE MORE (BUYER TO VERIFY ALL IMPORTANT INFORMATION) This 1475 sq' unit is being offered furnished. The kitchen, living and dining areas feature unobstructed Gulf views provided by the 9-foot floor to ceiling glass doors and windows that lead to the expansive private balcony Perfect for morning coffee, alfresco dining and wine sunsets. The waterfront master bedroom has private access to the balcony. Its ensuite bath features two separate vanities, an oversized walk-in closet, a jetted soaking tub, a separate shower and private water closet. There are two guest bedrooms, one with its own ensuite bathroom, a third full bathroom is conveniently located off the entry hall. The laundry room holds a full-size washer and dryer with built-in cabinetry. Whether you are seeking a primary residence, vacation retreat, or investment property, Palazzo stands apart for its strong and well-managed HOA and premium amenities, including: Gated, covered parking directly under the building (four levels), Three high-speed elevators. Elegant lobby and conference room. Fitness center with Gulf views, Heated beachfront pool and spa, Beachfront boardwalk and direct beach access, Picnic and grill area. Ideally located across from the new McGuire's Irish Pub, just 1.2 miles west of Pier Park, and only 15 minutes east of Scenic Highway 30A, this property offers the perfect balance of tranquil beachfront living and easy access to world-class shopping, dining, and entertainment. BUYER TO VERIFY ALL IMPORTANT INFO

17281 Front Beach Rd Unit UNIT 602, Panama City Beach

$2,800,000
4 Beds 5 Baths 985686 MLS 3,623 SqFt.
This is the perfect family vacation retreat or Investors' rental dream! Short Term Rentals are allowed. This coastal contemporary Penthouse with 4 bedrooms, 4 1/2 baths and 3,623 sq ft spans the entire top level of a small 7-story, recently renovated condo building and features a wraparound balcony with unmatched panoramic water views throughout of the Gulf, Lake Carillon and Lake Powell. It's located in the charming, vibrant, gated, community of Carillon Beach which is about 2 miles East of Rosemary Beach. You can stroll to the private, pristine one mile beach in just 4 minutes or relax in the nearby pool with spa. It was completely redone in 2024 with a renovated in 2004 with a stunning high-end remodel including new windows, appliances and furnishings. There's an elevator entry into a private foyer to Unit 701. The open concept living area with high beamed cailing, large great room with gas fireplace, wall of glass doors and windows, and a spacious dining room combines the upscale chef's kitchen with island, long breakfast bar and top-of-the-line appliances. The two Master suites also access the balcony with expansive water views, luxurious baths with soaking tub and walkin showers and large walk-in closets. There is a guest room with four, full size bunk beds and private bathroom with tub. It opens onto the wide balcony offering views of Lake Powell. The second guest room with balcony access features a large closet and luxurious bath with a walk-in shower. There is also a powder room and spaciious laundry room with plenty of cabinets. This Penthouse is ''one of a kind'! It is the perfect family or corporate retreat or rental investment!

116 Carillon Market St Unit # 701, Panama City Beach

$1,895,000
4 Beds 5 Baths 987287 MLS 4,125 SqFt.
LANDMAXXING at its finest! Welcome to 34 Palms -- A One-of-a-kind Waterfront Oasis Redefining Luxury Coastal Living. Experience the pinnacle of Florida waterfront living at 6701 Yacht Club Drive, a remarkable 0.83-acre peninsula estate with 360° panoramic bay views and endless adventure come together. Perfectly positioned with water on all sides, this 4-bedroom, 5-bath, 4,125-square-foot home captures the essence of the Florida boating lifestyle -- where every sunrise, sunset, and gentle breeze reminds you that you've arrived somewhere truly special. A Boater's Paradise: With direct Gulf access from your backyard, 34 Palms is your personal gateway to the open water. Offering both a private dock and an additional community boat slip, this property was designed for those who love to live life on the water. The calm bay setting is also perfect for kayaking, paddle-boarding, and jet skiing, all from the comfort of your home. Outdoor Living at Its Finest: Every inch of the estate was designed to celebrate outdoor living. Expansive decks and palm-lined walkways lead to multiple lounging areas ideal for entertaining or simply soaking in the serenity. Surrounded by lush tropical landscaping, this private oasis allows you to fish, paddle, or relax in complete tranquility all while enjoying breathtaking 360° views unique to its peninsula setting. Elegant Interiors & Inspired Design: Inside, natural light pours through floor-to-ceiling windows, illuminating open living spaces that seamlessly blend indoor and outdoor living. The heart of the home a bright, modern kitchen and inviting living area is perfect for both gatherings and quiet reflection, offering stunning water views from every angle. Luxurious Private Retreats: The primary master suite, perched on the top floor, provides a peaceful sanctuary with a private balcony, outdoor shower, and sweeping sunrise-to-sunset views. A third-floor guest suite offers its own ensuite bath and walk-in closet, while two additional bedrooms share a charming Jack-and-Jill bath ideal for family or guests. A three-car garage with an office or workshop space completes the thoughtful layout. Key Features -0.83-acre peninsula lot with water on all sides -Over 500+ of Waterfront -Private dock plus community marina boat slip -Direct Gulf of Mexico access for boating and fishing -Expansive 4,125 sq. ft. of light-filled living space -Multiple decks and outdoor entertaining areas -Lush tropical landscaping -Waterfront Gazebo with Private Beach -Largest lot in East Bay Preserve More than a home, 34 Palms is a lifestyle one defined by endless horizons, outdoor adventure, and effortless elegance. Discover unparalleled waterfront living where every day feels like a getaway. Schedule your private tour today and experience how 34 Palms redefines luxury coastal living.

6701 Yacht Club Dr, Panama City

$3,425,000
5 Beds 5 Baths 970073 MLS 3,763 SqFt.
Now offered fully furnished! Nestled in the exclusive Sugar Sand community, this custom Gulf-front home offers high-end finishes, breathtaking views, and private beach access. Designed for luxury and relaxation, this five-bedroom, five-bathroom retreat is perfect as a personal getaway or premium rental investment. Enjoy unobstructed Gulf views from the back porch and reverse infinity-edge pool, with a private community boardwalk leading to golf cart beach access. Inside, black-frame windows, Catalina Black Label wood flooring, and a serene ocean-inspired color palette create a refined coastal ambiance. The shiplap stairwell with sconce lighting adds a touch of elegance. The entry-level features a guest suite with a private bath, a sitting area, and direct access to the pool terrace. Two additional suites offer privacy and Gulf views. Upstairs, the main living, dining, and kitchen areas boast soaring ceilings and panoramic vistas, with three sets of double doors opening to the covered balcony. The primary and an additional guest suite include spa-inspired en-suite baths with luxury brushed gold fixtures from the Momenti and Riu collections. Midway between Mexico Beach and Tyndall Air Force Base, this private, gated community offers a clubhouse, fitness center, community pool, and golf cart access to the beach. This Gulf-front estate is a rare opportunity for a luxury coastal retreat with strong rental potential. The reverse infinity-edge pool enhances the connection between the home and its natural surroundings, while a private community boardwalk provides golf cart access to the unspoiled white sand beach. Every detail of this residence has been thoughtfully designed to offer the perfect balance of style and functionality. Inside, the open-concept floor plan maximizes natural light, with black-frame windows and three sets of double doors leading to a covered balcony on the upper level. The Catalina Black Label wood flooring adds warmth and sophistication, while a serene ocean-inspired color palette enhances the coastal ambiance. Stylish design elements, such as a shiplap stairwell with sconce lighting, and the elegant contrast of White Dove walls with Woodlawn Blue interior doors, elevate the home's aesthetic appeal. Upon entry, the paved parking pad leads into an elegant foyer, opening to a guest suite with a private bathroom, a TV/sitting area, and direct access to the pool terrace. Two additional guest suites on this level offer privacy, each with their own en-suite bathrooms. Upstairs, the main living, dining, and kitchen areas take center stage with soaring ceilings, high-end finishes, and panoramic Gulf views. Three sets of double doors open to the covered balcony, allowing for effortless indoor-outdoor entertaining. The primary suite and an additional guest suite occupy this level, featuring spa-inspired en-suite bathrooms with luxury brushed gold fixtures from the Momenti and Riu collections. Located midway between Mexico Beach and Tyndall Air Force Base, the private, gated Sugar Sand community offers a social clubhouse with a full kitchen, a community pool, a fitness center, and private golf cart access to the beach. With completion expected in October 2025, this stunning Gulf-front estate is a rare opportunity to own an exclusive coastal retreat, offering strong rental potential for investors or the ultimate luxury beach lifestyle for discerning homeowners. This home is being offered unfurnished at the current list price. However, it can be sold fully furnished and turnkey for an additional cost. Please inquire for details on pricing and inclusions.

226 Dunes Dr, Mexico Beach

$4,350,000
7 Beds 9 Baths 977364 MLS 4,715 SqFt.
If you're looking for an Airbnb powerhouse, you've found it. With an experienced Airbnb host and aggressive pricing strategy, this fully furnished 7-bedroom, 8.5-bath Gulf-front beach house is built to support a high-capacity rental operation. Built in 2025, the property features a heated private pool, parking for up to 9 vehicles, no HOA restrictions, and direct beachfront access. The seller is also building a new construction home next door, creating a unique opportunity for buyers interested in expanding their Gulf-front investment footprint. The approximately 30 x 30 main living area is designed for large groups, with Gulf views from nearly every angle. The chef's kitchen centers around a 10 x 5 island with granite slabs imported from Brazil, dual refrigerators, wraparound seating, and a 75-inch wall-mounted TV. The home also includes 12 smart TVs, a 412-game arcade console, and a third-floor entertainment lounge with room for movies, games, a pool table, or air hockey. The primary suite features 16-foot ceilings, chapel windows overlooking the Gulf, and a private lounge with a coffee and wine bar. More than $150,000 in designer furnishings, accessories, and custom window treatments contribute to the home's turnkey appeal and reduce the need for immediate setup. Hurricane-impact windows, a 10-foot sliding glass door, triple-pane Therma-Tru doors, and a commercial-grade fire suppression system with 24-hour monitoring add notable durability and safety features. Outside, an approximately 30 x 25 beachfront deck overlooks a heated 12 x 23 Gulf-front pool with an 8 x 6 sun shelf and two heaters. A powder-coated aluminum safety fence helps secure the pool area while preserving Gulf views, and reinforced balcony railings provide an additional safety feature. The lot extends to the wet sand, providing direct beachfront access and space for beach gear and jet skis. The home was built on 12 x 12 concrete pilings driven 20 feet deep rather than traditional wood pilings. The exterior also features Hardie Board siding secured with stainless screws and a rust-resistant aluminum roof. Located minutes from Pier Park, Tootsies, Top Golf, and Dolly Parton's Pirates Voyage. Buyer to verify all dimensions.

8711 Surf Dr, Panama City

$498,000
3 Beds 3 Baths 986189 MLS 1,799 SqFt.
Welcome to your dream beach getaway at Origin at Seahaven! This oversized luxurious 3-bedroom, 3-bathroom vacation rental condo is the epitome of coastal elegance, offering 1799 square feet of beautifully furnished, modern living space. Situated in the heart of Panama City Beach, this condo promises a lavish lifestyle with a plethora of on-site amenities to indulge in. Take a dip in the resort-style pool on the 4th floor while soaking in breathtaking views of the Gulf of Mexico, unwind on the sunset deck, or catch a movie in the theater room. For some friendly competition, head to the game room, or maintain your fitness routine in the state-of-the-art fitness center before relaxing in the sauna. With deeded beach access, covered garage parking, and 24/7 security, your comfort and safety are paramount. Convenient grill and picnic areas allow for outdoor gatherings with ease. Immerse yourself in the vibrant local scene with locally owned restaurants, bars, and shops just a short stroll away. Plus, Pier Park, offering an abundance of shopping, dining, and entertainment options, is less than a mile from your doorstep. A PCB favorite dining spot known as Sharky's is just across the street! This condo is offered fully furnished and turnkey ready, ensuring a hassle-free experience from the moment you arrive. Don't miss out on the opportunity to experience coastal paradise in style. Book your showing today and get ready to make unforgettable memories in this exquisite retreat!

15100 Front Beach Rd Unit UNIT 1703, Panama City Beach

$349,000
3 Beds 2 Baths 960021 MLS 1,262 SqFt.
Fully renovated turn-key 3BR/2 BA condo in the beautiful Laketown Wharf Beach Resort. This 1262 sqft unit offers spectacular city/lake views from the 15th floor! This unit has been continuously profitable: 2021/$61,569, 2022/$50,499, 2023/$52,499, 2024/$49,858 and 2025/$55,656. Can be used as primary residence, short term rental or investment property AND this unit is being sold FULLY furnished - with no exclusions! Everything you see in the photos and viewing is being sold with the property. All furniture/linens/tv's/appliances/etc - turn-key and income producing! Step into the coastal ambience of this beautifully themed condo with touches of rich blues, whites, and creams. Your kitchen gives ample space to cook up that delicious meal as you return home from the emerald coast water and white sugary sands of the PCB coast, all just a few minutes walk, with convenient access for Laketown Wharf guests. Your kitchen features white cabinets, granite countertops and LED lighting throughout. Nestled close by you can relax on your large oversized couch, next to your electric fireplace with a large TV above. Step onto your private patio, overlooking Panama City Beach with gorgeous city and lake views below. Be mesmerized each night by the fountain and light show dancing on the lake waters below, right next to the boardwalk, where restaurants and shopping line. Soak up the rays during the day, all enjoyed in the privacy of your own balcony deck with views most dream of. Escape to your master suite with adjoining master bath and soak your cares away in your large master soaking tub. Master bath also includes dual vanities and shower. Step out your doors of your master suite right onto your private balcony. The extended balcony can be accessed from the living room and the master suite! There are two additional bedrooms with a shared bathroom, also with a shower and tub combo. This unit sleeps 6 comfortably but can accommodate up to 10 people so it's perfect for large families and entertaining. Laketown Wharf Resort is in the heart of all the fun & excitement of Panama City Beach. Just steps away from the world's most beautiful white-sand beaches, shopping, dining and entertainment. Amenities include: convenient beach access, 5 unique pools, a kids funscape playground, Splash Bar & Grill, Gulf View Fitness Center & covered garage parking. Laketown Wharf Offers A Variety Of views Including The Gulf Of Mexico, Lake & Golf Course. Enjoy the nightly fountain & light show & market shops along the 52,000 sqft Of Lakefront Boardwalk.

9902 S Thomas Dr Unit UNIT 1532, Panama City Beach

$820,000
4 Beds 3 Baths 988341 MLS 1,600 SqFt.
This is your opportunity to own a rare 4 bedroom + 3 full bath luxurious Gulf front condo in PCB. This east end Ocean Reef condo features an oversized 10x28 balcony with scenic views from St Andrews State Park and all the way to San Destin! And, this is one of the few resorts with underground assigned parking (no parking across the street and dealing with walkovers). This condo owner has spared no expense in transforming this open concept condo into a ''coastal paradise'' with bright new wall colors, porcelain tile flooring throughout, crown molding, all stainless appliances, new furniture, artwork, linens, and wall decorations. The king master suite is gulf-front with balcony access and a private bath with double vanities, plus extra closet storage. The second master bedroom. click more is spacious with private access to the full guest bathroom. The third and fourth bedrooms have north views and share a full, ''Jack and Jill'' bath. There is a granite top breakfast bar, oversized dining area, pantry, and a separate laundry room with full sized washer and dryer. The owners have also installed an ''Ecobee'' smart thermostat to reduce heating and cooling costs. The Ocean Reef Resort features over 300 feet of linear beach, a gulf-front heated (seasonally) pool, indoor heated pool, large hot-tub, grill area, fitness room, and sauna. You'll also reap the benefit of the fractional association dues! At Ocean Reef, all units pay the same amount regardless of square footage. As a larger four bedroom condo, your dues amount will be the same as a smaller two-bedroom unit in the building grills. The location is conveniently located within 1.5 miles of the famous Pier Park entertainment, restaurant, shopping district, and the new Top Golf + Dolly Parton Pirates Theaer.

14415 Front Beach Rd Unit UNIT 2201, Panama City Beach

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