Panama City, FL Real Estate Search

Panama City, FL 3 Bedroom Homes for Sale

Panama City, FL, offers a diverse selection of three-bedroom homes for sale, appealing to a wide range of buyers from families to retirees. These properties often boast spacious layouts and modern amenities, ideal for comfortable living in this coastal community. With proximity to beautiful beaches, parks, and vibrant local attractions, homeowners enjoy both relaxation and adventure. The real estate market in Panama City is continually evolving, with many homes featuring open floor plans, updated kitchens, and outdoor living spaces that enhance the Florida lifestyle. Whether you’re seeking a home for year-round living or a vacation retreat, the three-bedroom options in Panama City present enticing opportunities to experience the charm and beauty of this thriving area.

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Newest Panama City, FL 3 Bedroom Homes for Sale

$639,000
3 Beds 3 Baths 783055 MLS
**WATERFRONT — A Rare Investor's/Fisherman's Dream on Robinson Bayou** MOTIVATED SELLER, Discover an exceptional waterfront opportunity on the peaceful, scenic Robinson Bayou—where privacy, potential, and prime location come together. This 3-bedroom, 3-bath home with a bonus room and multifunctional den is tucked high and private at the quiet end of the channel, offering **119 feet of serene waterfront frontage** and the confidence of being **high and dry—not located in a flood zone**, eliminating the need for flood insurance. An **existing survey is already in place**, saving time and expense while adding immediate value for future planning or expansion. Situated on **over one acre**, this property presents a rare opportunity for those seeking space, flexibility, and long-term investment potential—including the option to **build a second home** for rental income, multigenerational living, or a private guest retreat. Inside, the home offers a flexible layout filled with character and opportunity. The inviting den can easily serve as a **mother-in-law suite** or income-producing space, featuring a private exterior entrance, full bathroom, additional washer and dryer hookups, a cozy fireplace, and a beautiful bay window overlooking the water. This versatile area is ideal for guests, extended family, a private workspace, or a rental scenario. Boaters and fishermen will appreciate being just **approximately nine minutes of idle time to open water**, granting easy access to the winding scenic channels and natural beauty of Panama City's waterways—truly a **Fisherman's Paradise**. Despite its tranquil setting, the home is conveniently located just **five minutes from Sam's Club, premier dining, shopping, and the rapidly expanding amenities along 23rd Street**, offering the perfect balance of serenity and accessibility. At this price point, you are securing **more value than a vacant waterfront lot**, with the added benefit of a livable home ready to enjoy, update, or reimagine. The seller is also including a **one-year home warranty** for added peace of mind. This is more than a home—it's a vision waiting to be realized. With unmatched potential, flexible living spaces, an existing survey, no flood insurance requirement, and a prime bayou-front location, opportunities like this are exceptionally rare. Now is the time to make this remarkable Robinson Bayou property your own.

2222 W 29th Plaza, Panama City

$498,000
3 Beds 2 Baths 782631 MLS
Experience refined coastal elegance in this beautifully updated 3-bedroom, 2-bath home located in the prestigious Palm Bay community of East Panama City Beach. Recently revitalized with designer lighting, including a statement dining room chandelier, modern ceiling fans, and a brand-new HVAC system, this home now shines with an elevated sense of style and comfort. A bright, airy split-bedroom layout is enhanced by transom windows that flood the home with natural light. The remodeled kitchen is a true showpiece, featuring quartz countertops, stainless steel appliances, 5-burner KitchenAid gas cooktop, built-in oven, and charming breakfast nook. Interior features include new Mohawk Ultrawood waterproof wood flooring, freshly painted walls and baseboards, and a spacious laundry room complete with quartz countertop, wash sink, and Samsung washer/dryer. The master suite boasts plantation shutters, private patio access, jetted tub, dual-headed shower, double vanities, and walk-in closet. A hallway bathroom with a convenient tub/shower combination serves the additional bedrooms. Bathrooms have been upgraded with new toilets and water lines (2025). Enjoy outdoor living with a screened-in patio featuring refinished concrete flooring and direct-connect gas line, lush landscaping supported by a Rainbird irrigation system, and new exterior lighting. Recent updates include roof (2018), fence (2018), exterior painting, gas water heater, new gutters with leaf guards, and well pump. A rare 3-car garage with 895 sq ft provides ample space for vehicles, storage, or workshop needs. This home combines modern upgrades, efficiency, and coastal charm--ready for its next owner. *All measurements and information approximate, please verify if important.

127 Palm Bay Boulevard, Panama City

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

2707 Pembroke Drive, Panama City

$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

$924,000
3 Beds 2 Baths 781347 MLS
''The Captain's Lodge'' at Treasure Island: A Nautical Masterpiece & Investment Powerhouse In a market full of identical condos, Unit 1712 at Treasure Island Resort stands alone. Known as ''The Captain's Lodge,'' this expansive 1,950 sq. ft. corner unit has been meticulously transformed into a moody, high-end nautical retreat that captures the imagination--and the highest rental premiums. An Immersive Experience From the moment you cross the threshold, you are transported. Walk through ''Blackbeard's Hallway'' into the Captain's Lounge, featuring a professional-sized pool table, vintage dart board, and a custom bar setup. The Master Suite offers ''Titanic-inspired'' luxury with floor-to-ceiling windows that make you feel like you're floating above the emerald waters of the Gulf. Designed for Maximum Occupancy While many 3-bedroom condos feel cramped, this 17th-floor end unit utilizes a clever layout to sleep up to 10 guests comfortably. The ''West Wing'' features thematic guest rooms--The Parrot's Port and The First Mate's Hideaway--each offering sweeping views of the Grand Lagoon. Unbeatable Resort Amenities Treasure Island is the ''Quiet End'' crown jewel of Thomas Drive. Owners and guests enjoy: Direct Beach Access and a massive heated Gulf-front pool. On-Site Dining at Liza's Munchies (poolside). Location: Walking distance to the legendary Schooners and minutes from St. Andrews State Park. Convenience: Covered parking, high-speed elevators, and a pet-friendly policy for owners. The Investor Edge Themed rentals are the top performers in the 2026 short-term rental market. By offering a ''destination within a destination,'' The Captain's Lodge reduces vacancy rates and drives higher ADR (Average Daily Rate) than standard units.

5004 Thomas Drive Unit 1712, Panama City

$280,000
3 Beds 2 Baths 781291 MLS
'OPEN HOUSE SATURDAY, JULY 25TH FROM 1 TO 3PM' Welcome to Liberty -- where comfort, convenience, and community come together! This beautiful corner-lot home is located in the highly desirable Liberty community, one of Bay County's premier neighborhoods known for its resort-style amenities and welcoming small-town atmosphere. Designed with modern living in mind, this home is move-in ready and comes with an existing 10-year structural warranty, giving you lasting confidence and peace of mind. Inside, you'll find an open-concept floor plan filled with natural light. The living room offers plenty of space for relaxing or entertaining, seamlessly flowing into the kitchen and dining areas. The kitchen features modern appliances, ample cabinetry and a peninsula style island. The primary suite includes a private ensuite bath and spacious walk-in closet, while additional bedrooms offer comfort and flexibility for guests, kids, or a home office. Step outside and experience the vibrant lifestyle that Liberty is known for! This thoughtfully planned community offers something for everyone, including: Two sparkling resort-style pools A massive clubhouse with event space and a children's splash pad The largest pool in Bay County for those who love to swim or lounge Pickleball courts, a playground, and wide, oversized sidewalks perfect for biking, running, or golf cart cruising Liberty isn't just a neighborhood -- it's a community designed for connection. Neighbors wave as they walk their dogs, kids play at the splash pad, and families gather for community events. Prime Location: This home is ideally situated within Panama City proper, meaning first-time homebuyers may qualify for SHIP or ReHouse Bay grants -- valuable programs that help make homeownership more affordable. You'll also love the short commute to Tyndall Air Force Base, NSA Panama City, and Northwest Florida Beaches International Airport (ECP). Liberty offers easy access to top-rated schools, shopping, dining, and the sugar-white beaches that make the Emerald Coast famous. Whether you're a first-time buyer, relocating for the military, or simply looking for a family-friendly community with incredible amenities, 6570 Atkins Road offers the perfect blend of lifestyle, location, and lasting value. Schedule your showing today and discover why so many families are proud to call Liberty home!

6570 Atkins Road, Panama City

$318,990
3 Beds 2 Baths 780255 MLS
SPECIAL PROMTIONS AVAILABLE! Introducing the Alden, a beautiful home designed to exceed your expectations. This charming 3 bedroom, 2 bath residence encompasses 1,721 square feet of well-designed living space and features a covered front entry that adds an inviting touch. Extra windows allow the abundant sunlight to gracefully dance across the home, infusing the space with a comforting warmth. As you step inside, you'll be welcomed into a spacious and long foyer, perfect for displaying cherished memories. Before you enter the large and open great room, the spare bedrooms are thoughtfully positioned off a guest hall, creating a separate wing for added privacy. These two bedrooms share a well-appointed bathroom and a linen closet, catering to the needs of your family and guests. Convenience is key in the Alden as the laundry room is just steps away, offering easy access for day-to-day chores. The two-car garage has access from the foyer and provides plenty of space for storage and parking, accommodating all your needs. The spacious and inviting great room is open to the dining area and kitchen creating family togetherness. From the great room, there's access to a 13×8 covered outdoor living space that awaits barbecue dinners and afternoons enjoying the sunny Florida weather. The large kitchen is a chef's delight, boasting an abundance of counter and cabinet space, a pantry, and a kitchen island complete with a dishwasher and sink. It's a functional and stylish space that will inspire your culinary adventures. The Alden's split floorplan ensures privacy and comfort. Located off the great room, the generously sized owners' suite is a haven of relaxation, featuring an ensuite bathroom and double walk-in closets that provide ample storage. The Alden offers standard selections of quartz countertops, tile flooring in the common/wet areas, and cozy carpet in bedrooms. Rest assured, this home includes a 1-year transferable builder warranty and a 10-year structural warranty. Your peace of mind is our priority. Experience the pride of homeownership. The Alden is waiting for you to make it your own. Buyer to confirm any information contained herein that is important in making a buying decision.

5167 Harvey Street, Panama City

$1,239,000
3 Beds 3 Baths 779329 MLS
RARE WATERFRONT. RENTAL PROJECTION OF $70K-$80K. PRIVATE DOCK + LIFT. Set near the mouth of the lagoon in Panama City Beach, this waterfront property offers the kind of location, scenery, and boating access that can stand out to both personal-use buyers and short-term rental investors. With a rental projection estimating year-one revenue of $70,000 to $80,000, this is more than a waterfront retreat--it is a scarce location-first opportunity with income-producing potential. Positioned on a quiet loop in one of the closest residential pockets to the lagoon mouth, the property offers quicker runs to open water, marinas, beaches, dining, and Panama City Beach attractions while still maintaining a calm, tucked-away feel at home. Out back, a private dock with powered boat lift makes ''go now'' boating simple. When dinner calls, it is an easy hop by boat across the lagoon to local favorites like Capt. Anderson's or The Grand Marlin, or stay dockside and fish for saltwater trout and redfish right from the backyard. The setting gives guests and owners a true waterfront experience: passing boats and jet skis, ospreys and eagles overhead, dolphins making regular rounds, and large-scale Fourth of July fireworks visible from the dock and both screened porches. These are the details that help separate a short-term rental from a standard beach-area property. Built with 2x6 construction, hurricane-rated doors and windows, spray-foam insulation throughout, including interior walls, and pilings driven approximately 47 feet, the home blends efficiency, resilience, and long-term utility. Inside, well-appointed living spaces are oriented toward the water and flow to a screened-in back porch. Upstairs, the primary suite has its own screened porch, creating another strong vantage point for enjoying the wildlife, watercraft, and lagoon views throughout the day. For buyers comparing Panama City Beach waterfront homes with rental potential, this property offers a rare combination: private boating infrastructure, lagoon-mouth proximity, water views, screened outdoor living, and projected year-one rental revenue of $70,000 to $80,000. The result is a waterfront property with both lifestyle appeal and investment positioning, exactly where you want to be when access, scenery, and income potential matter most. All information is believed accurate but not guaranteed; buyer to verify if important.

3530 Treasure Circle, Panama City

$490,000
3 Beds 3 Baths 777213 MLS
Welcome to Paradice, where you can enjoy beautiful sunsets over Pitts Bayou. This home offers easy access to deep water for boats with a 6-foot draft and includes a 16-foot wide boat slip. A full-service marina is just a quarter mile away. As you enter, you'll find 10-foot ceilings with recessed lighting throughout. The kitchen has dark wood cabinets and granite countertops, with a breakfast bar large enough for four. Just off the kitchen, you will find a full-sized washer and dryer with plenty of shelving behind double doors. The double garage access is located just off the kitchen, which includes an outdoor shower, laundry sink, and shelves on each side with plenty of counter space for all your tools and hobbies; back inside, you will find a half bathroom and a sizable closet. Back through the kitchen, you will find a living area fit for royalty with impressive 10-foot ceilings, upgraded lighting, and a Bay view captured through the large glass sliding doors that lead to a very large covered porch overlooking the Bay and dock, where you will surely enjoy many evenings with your nearest and dearest. Back inside and up the stairs, you will find the waterfront primary bedroom that features a private covered balcony, a vaulted ceiling, a walk-in closet, a soaking tub, and a separate shower, along with two more sizable bedrooms and a full-sized bathroom on the opposite side of the home. This one has it all and is ready for new owners, so call your favorite Realtor today for more information or to schedule a showing.

5108 Blue Harbor Drive, Panama City

$565,000
3 Beds 4 Baths 772324 MLS
Waterfront Living in the Heart of Panama City Welcome to 246 E 3rd Place, where waterfront living meets timeless elegance. Perfectly positioned in the historic Cove neighborhood and just minutes from vibrant downtown Panama City, this stunning 3-story townhome offers the ultimate blend of comfort, convenience, and coastal charm. With 3 spacious bedrooms, 3.5 bathrooms, and a 2-car garage, this home boasts breathtaking views of Massalina Bayou and direct Gulf access via your deeded deep-water boat slip—14x40 feet, wide and deep enough to accommodate both sailboats and larger dream vessels. Step inside to find a thoughtfully designed layout that maximizes both space and privacy. A power chair lift provides easy access to the main level. The first floor features a generous bedroom with a full bath and access to a large private deck overlooking the water—perfect for guests or a serene office space. The second floor is the heart of the home, where soaring 9-foot ceilings, Brazilian hardwood floors, and abundant natural light create a warm and welcoming atmosphere. The open-concept living and dining areas flow into a well-appointed kitchen featuring emerald black granite countertops, custom cabinetry, and an oversized pantry. On the third floor, the luxurious primary suite offers a peaceful retreat with its own private balcony and panoramic views of the harbor. There's even space for a home office or workout area. The ensuite bathroom features double vanities, a jetted soaking tub, a walk-in shower, and a spacious walk-in closet. An additional bedroom on this level comes with its own full bathroom and could easily serve as a second primary suite. Built with quality in mind, this home includes a 6-year-old roof, brand-new water heater, fresh interior paint, hurricane shutters, a fire sprinkler system, and 2x6 exterior framing. It's also prepped for an elevator, making it future-ready. Whether you're an avid boater, seeking a low-maintenance waterfront escape, or looking to enjoy the lifestyle and charm of downtown living—this home has it all. Don't miss your chance to live where every day feels like a vacation. Schedule your private tour today.

246 E 3rd Place, Panama City

$199,900
3 Beds 2 Baths 776758 MLS
Back on the market due to Buyer/Lender issues. Appraisal, survey, Engineering study complete, all repairs competed. Take a look at this fabulous manufactured mobile home which has many upgrades. New metal roof installed around 2019, new flooring recently installed, new interior painting. Brand new $8000 air conditioner installed in 2024. Entering the open floor plan, you are greeted by a large living room and sitting in that room, you feel a warmth and tranquility as this does not feel like your normal mobile home. Sellers have left no corners untouched and one of the nicest mobile homes in the area. Custom draperies throughout the home, thus giving an added touch to all window elegance. Beautiful ample kitchen with plenty of cabinetry, stainless steel appliances and informal dining area. A pantry, washer and drier are incorporated in the kitchen area. Next to the living room, you have a formal dining section. Bedrooms are large with new flooring and upgraded bathrooms. Master bedroom has ample room with separate shower and, tub fully remodeled. Home sits in a large lot and fully fenced in. The back yard has been installed with new privacy fence and a large custom barn sits in the back for your mancave needs like a workshop, storage etc. Sitting porch in the rear, side and front of the home with new decking. Enjoy the peaceful quietness in this well maintained and manicured neighborhood. The property is only two blocks from the Callaway Public boat ramp, walking park. Shopping and restaurants, and Only 20 minutes from Tyndall A.F.B. Priced to sell quickly. Don't miss out. Some furnishings could be negotiated but not included in the sale.

230 Viola Avenue, Panama City

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