Bay County FL Houses under $200,000

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  /7

  $138,000

  7513 Sunset Bay Ln, Panama City Beach, FL 32413

  Seller financing will be considered with a substantial down payment, offering a flexible path to ownership in the unique, nature-focused community of RiverCamps. This homesite offers unmatched privacy, with protected wetlands ensuring that no homes can be built to the north or west, preserving the peaceful, secluded feel of the lot. Nestled between the Intracoastal Waterway, Crooked Creek, and

  

  Britt Matthews

  Beachy Beach Real Estate

  (448) 228-0399

  7513 Sunset Bay Ln, Panama City Beach, FL 32413
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  /15

  $110,000

  • 3 Beds
  • 2 Baths
  • 1,224 Sq Ft

  1002 E 9th Ct, Panama City, FL 32401

  INVESTORS, INVESTORS COME SEE THIS DIAMOND IN THE ROUGH! THIS 3BEDROOM 2 BATHROOMS NEEDS SOME TLC.Closing: Kristy Hazlett. Omega National Title Co.836 Jenks Ave Panama City Fl 32401

  

  MaryAnn Enfinger

  Overstreet Realty

  (448) 218-4340

  1002 E 9th Ct, Panama City, FL 32401
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  /14

  $199,500

  • 3 Beds
  • 2 Baths
  • 1,000 Sq Ft

  1207 W 22nd St, Panama City, FL 32405

  Enter into a living room that connects to a kitchen and dining area. The kitchen has space for a table or breakfast nook and offers a functional layout. Down the hall, you'll find a bathroom, a total of 3 bedrooms, and the primary bedroom has its own bathroom. An enclosed bonus room is suitable for a hobby area or additional living space. This room includes a sliding glass door to the backyard

  

  Yvette Colona

  Coldwell Banker Realty

  (850) 832-6893

  1207 W 22nd St, Panama City, FL 32405
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  /14

  $143,000

  • 2 Beds
  • 1 Bath
  • 624 Sq Ft

  1324 Lincoln Dr, Panama City, FL 32401

  Clean and move in ready. This home could be an ideal opportunity for a first-time buyer or an investor looking to add to a rental portfolio. A screened-in porch welcomes you inside to the living area; the kitchen is located to the right and two bedrooms and a bathroom are located to the left. Priced with today's market in mind, this home is full of potential.

  

  Yvette Colona

  Coldwell Banker Realty

  (448) 428-4813

  1324 Lincoln Dr, Panama City, FL 32401
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  /8

  $160,000

  0 Flagg Ave, Panama City Beach, FL 32407

  Your perfect new home build location on Panama City Beach! 1/3 of an acre off of a busy street with a dead end. Central to everything you need or want. Great location for rental as well.

  Coralee King Beachy Beach Real Estate

  0 Flagg Ave, Panama City Beach, FL 32407
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  /14

  $199,900

  3641 Preserve Blvd Unit Lot 228, Panama City Beach, FL 32408

  Beautiful large lot at 90 x 140 to build your dream home. The Preserves on the Bay subdivision is a gated community with a 24-hour security. The lot is located on one of the most desirable streets '' Preserve Blvd''. Low annual HOA fees and close to shopping, restaurants, marina and beaches. If you are a golf fanatic, the Jack Nicklaus Golf Course is just across the street in Bay Point. Come

  Marco Cooper Coastal Sun Realty LLC

  3641 Preserve Blvd Unit Lot 228, Panama City Beach, FL 32408
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  /31

  $198,000

  • 3 Beds
  • 1 Bath
  • 1,158 Sq Ft

  1814 Mound Ave, Panama City, FL 32405

  Conveniently located 3.5 miles from Downtown Panama City and 7.5 miles to Beach Access #12 for the closest public beach access in Panama City Beach! This home features recent updates including:* Fresh exterior paint, updated electrical box, cleared backyard* New windows, interior wall paint, and carpeting* New air handler, compressor, and smart thermostat* Kitchen with

  Jennifer Ethridge Compass Florida, LLC

  1814 Mound Ave, Panama City, FL 32405
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  /10

  $195,000

  1526 S Berthe Ave, Panama City, FL 32404

  Set on 3/4 of an acre with over 100 feet of shoreline, this property offers the perfect backdrop to design the home you've always imagined. The bayou's calm waters invite you to create your own dock for fishing, boating, or simply soaking in the view. Mornings bring soft light across East Bay, while evenings close with glowing sunsets over the bayou—a daily reminder of the beauty of coastal

  M. Ashley Crawford Counts Real Estate Group

  1526 S Berthe Ave, Panama City, FL 32404
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  /6

  $169,000

  0000 Lapaloma Terrace, Panama City, FL 32401

  Imagine building your coastal sanctuary on this waterfront canvas—a serene home site offering direct bay access with passage to the Gulf on Watson Bayou. Wake up to gentle breezes and panoramic water views, all framed by charming palm trees and open skies.Perfectly positioned, this lot offers the rare combination of a peaceful retreat and vibrant convenience. Just minutes from historic

  Tammy Snow RC Real Estate Group

  0000 Lapaloma Terrace, Panama City, FL 32401
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  /20

  $189,000

  • 2 Beds
  • 1 Bath
  • 875 Sq Ft

  625 E 3rd St, Panama City, FL 32401

  Welcome to this beautifully updated 2-bedroom, 1-bath home in the highly desirable Cove neighborhood of Panama City! Featuring 875 sq. ft. of living space, this charming residence has been thoughtfully rehabbed to blend classic character with modern comfort.Recent upgrades include a brand-new roof (2025), new flooring throughout, a fully renovated kitchen with updated countertops and

  Melissa Haworth EXP Realty LLC

  625 E 3rd St, Panama City, FL 32401
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  /17

  $184,900

  • 2 Beds
  • 1 Bath
  • 780 Sq Ft

  509 Maine Ave, Panama City, FL 32401

  Charming 2-Bedroom Cottage Near Downtown Panama City A cozy and inviting 2-bedroom, 1-bath home nestled just minutes from the heart of downtown Panama City. With 780 square feet of living space, this property offers the perfect blend of comfort and convenience. This home has a bright and open layout, newly renovated with quartz counters, new LVP floors, and stainless steel appliances. Updated

  Jonathan Minerick HomeCoin.com

  509 Maine Ave, Panama City, FL 32401
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  /8

  $159,000

  1444 W Park St, Panama City, FL 32404

  Waterfront Lot with Gulf Access - Rare Opportunity in the Panama City area.Discover the perfect blend of seclusion and convenience with this stunning waterfront lot located in Callaway on the east end of Panama City. Just minutes from Tyndall Air Force Base and only a 30-minute drive to the white-sand beaches of Panama City Beach, this property offers a peaceful escape while keeping you close

  Team Don and Bubba EXP Realty LLC

  1444 W Park St, Panama City, FL 32404
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  /13

  $160,000

  • 2 Beds
  • 1 Bath
  • 700 Sq Ft

  1705 Cincinnati Ave, Panama City, FL 32401

  This two-bedroom, one-bathroom residence is situated in the historic Saint Andrews neighborhood, conveniently located near beach shopping and a public boat launch on Lake Huntington.Originally constructed in 1941, the home underwent renovations to conform to contemporary standards, with the effective date set for 2005. The expansive lot provides ample parking space for automobiles,

  Lula Poston Keller Williams Success Realty

  1705 Cincinnati Ave, Panama City, FL 32401
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  /6

  $168,900

  • 3 Beds
  • 1 Bath
  • 1,040 Sq Ft

  235 Central Ave, Panama City, FL 32401

  MOVE-IN READY! 3-bedroom, 1-bathroom home in desirable Springfield, Bay County! This property features completely renovated interior with contemporary finishes, nice bedrooms perfect for comfortable living. updated flooring throughout, fresh paint. . Located in a prime Springfield location, this property offers convenient access to major shopping centers, close proximity to diverse dining and

  Timothy Knight AMERICAN REALTY of Bay Co, Inc

  235 Central Ave, Panama City, FL 32401
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  /16

  $165,000

  • 4 Beds
  • 2 Baths
  • 2,589 Sq Ft

  6836 Davis Rd, Panama City, FL 32404

  Investors look here!!! This 4 bedroom 2 bath home i located on almost 2 acres, close to HWY 231, just north of Panama City. The interior has been gutted to the studs and is ready to go back together with your very own style and taste. The structure is soilid and unique and some of the HVAC and bathroom work has been competed. The interior is open and spacious and features multiple levels. Use

  Jeff Payne Keller Williams Success Realty

  6836 Davis Rd, Panama City, FL 32404
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  /8

  $167,900

  213 San Pablo St, Panama City Beach, FL 32413

  Discover the perfect canvas for your dream beach home on this cleared and level 72' x 110' lot, ideally located just four blocks from the white sandy shores of Panama City Beach. Nestled in the well-established El Centro Beach neighborhood, this homesite is within walking distance to beach access, popular dining spots, and local attractions, offering the ultimate coastal lifestyle. Positioned

  Allen Place Beachy Beach Real Estate

  213 San Pablo St, Panama City Beach, FL 32413
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  /6

  $159,000

  • 2 Beds
  • 1 Bath
  • 600 Sq Ft

  1565 Chandlee Ave, Panama City, FL 32405

  Seller will pay up to 10,000 towards buyers closing cost or rate buy downs on This home and has a good rental history. Offers living room/dining room, kitchen 2 bedrooms and one full bath on nice size lot. Close to everything as it is centrally located in Panama City. An appraisal was just done, and list price is the appraisal price. Call for your appointment today.

  Roy Furst Central Bay Realty and Property Management LLC

  1565 Chandlee Ave, Panama City, FL 32405
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  /15

  $129,900

  2518 Shady Oak Ct, Panama City Beach, FL 32408

  Located in Panama City Beach, just 3-miles from Schooners restaurant and the beach access and the sugary white sand and emerald waters of the Gulf, this 1-acre property offers space, privacy, and freedom with no HOA restrictions. The lot is already set up with Electric, City Water, and Septic. The existing single wide manufactured home is in need of work, but the buyer has the option to remove it

  Brenda Vines Coldwell Banker Realty

  2518 Shady Oak Ct, Panama City Beach, FL 32408
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  /2

  $130,000

  105 Saint Christopher St, Mexico Beach, FL 32456

  Build your Dream Beach Home on this Beautiful Mexico Beach lot in the Casuna subdivision! Less than a half mile to the water's edge! Casuna has an HOA. So, the neighborhood is well kept and clean. The lots in this subdivision are similar to this one @ a little less than a tenth of an acre (0.172ac). Homes are typically 1700-2200 sq/ft and 3-4 bedrooms.

  Joe Murphy Rev Realty Florida, LLC

  105 Saint Christopher St, Mexico Beach, FL 32456
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  /11

  $119,800

  4813 S Lakewood Dr, Panama City, FL 32404

  Rare opportunity to own .67 acres of lakefront property on Lakewood Drive. This vacant lot offers direct water access, mature trees, and plenty of space to build your dream home or retreat. Peaceful setting with beautiful lake views — a perfect canvas for your future plan. Sold AS- IS.

  Carlton Searcy Counts Real Estate Group

  4813 S Lakewood Dr, Panama City, FL 32404
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  /13

  $155,000

  601 Palm Beach Dr, Panama City Beach, FL 32413

  Discover the perfect canvas for your beach retreat on this 50' x 105' homesite at 601 Palm Beach Drive, ideally located on the desirable west end of Panama City Beach. Tucked into a quiet neighborhood yet just minutes from the Gulf, this property presents a rare opportunity: purchase the adjacent vacant lot as well to create a double homesite at a bundled price. With no HOA restrictions, public

  Kelly Jenkins Corcoran Reverie

  601 Palm Beach Dr, Panama City Beach, FL 32413
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  /13

  $155,000

  509 Palm Beach Dr, Panama City Beach, FL 32413

  Discover the perfect canvas for your beach retreat on this 50' x 105' homesite at 509 Palm Beach Drive, ideally located on the desirable west end of Panama City Beach. Tucked into a quiet neighborhood yet just minutes from the Gulf, this property presents a rare opportunity: purchase the adjacent vacant lot as well to create a double homesite at a bundled price. With no HOA restrictions, public

  Kelly Jenkins Corcoran Reverie

  509 Palm Beach Dr, Panama City Beach, FL 32413
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  /11

  $150,000

  • 3 Beds
  • 2 Baths
  • 768 Sq Ft

  1604 Drake Ave, Panama City, FL 32405

  Great flip project for your next investment. Home needs some subflooring work, and a new kitchen, etc., but price reflects that. Has great bones. Large lot with lots of trees makes this St. Andrews home a diamond in the rough

  Barbara Hoyt Investors Advantage RE

  1604 Drake Ave, Panama City, FL 32405
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  /21

  $150,000

  • 2 Beds
  • 1 Bath
  • 871 Sq Ft

  632 N 11th St, Panama City, FL 32404

  Charming Florida cottage conveniently located near Tyndall Air Force Base! This home offers two spacious bedrooms and a comfortable living room with carpet. The galley-style kitchen provides plenty of cabinet space and a breakfast bar. A covered patio located at the side entry near the front door provides a welcoming spot to relax, nurture plants, or enjoy a small garden. An enclosed closet area

  Heather Neubauer ERA Neubauer Real Estate Inc

  632 N 11th St, Panama City, FL 32404
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  /23

  $129,000

  142 Half Acre Ln, Panama City Beach, FL 32413

  Fantastic location! Just a little over a mile to the world's most beautiful beaches! Buy the whole parcel or owners will sell separately. This listing is for one of the 40x120 lots, your choice! Not in a flood zone! Located just a 3-minute walk to Frank Brown Park, through the new trail ''Escanaba Way''. Frank Brown boasts a brand-new playground, soccer and baseball fields, basketball courts, dog

  Crystal Duncan Paradise Properties of NW Florida

  142 Half Acre Ln, Panama City Beach, FL 32413
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  /10

  $149,000

  • 2 Beds
  • 1 Bath
  • 1,008 Sq Ft

  1603 Louisiana Ave, Panama City, FL 32405

  Cozy 2 bed 1 bath home on a spacious lot. Great starter home or rental opportunity. The home has been well cared for with recent updates and tile throughout. The home is conveniently located in central Panama City with direct access to Highway 77 and Highway 98.

  Cain Mcneil CENTURY 21 Commander Realty

  1603 Louisiana Ave, Panama City, FL 32405
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  /34

  $175,000

  • 3 Beds
  • 2 Baths
  • 2,274 Sq Ft

  4908 Meadow St, Panama City, FL 32404

  Spacious three bedroom two bath Rancher on large lot with rear yard access with shop and storage buildings. This home features a large Living Room, Den, roomy Kitchen and Formal Dining Room. Home is a fixer upper and in need of some minor repairs throughout. If you are looking for an affordable home that needs some repairs, then this is it! Perfect for the handyman buyer or fix as you go

  Daryle Burkey Coldwell Banker Realty

  4908 Meadow St, Panama City, FL 32404
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  /19

  $189,000

  • 2 Beds
  • 1 Bath
  • 1,149 Sq Ft

  716 Williams Ave, Panama City, FL 32401

  This charming 2 bed 1 bath house located off of Business 98 is perfect for small families or first time home buyers! It also comes with a bonus room that could be turned into a third bedroom if desired. The big backyard comes equipped with 2 SHEDS, an outdoor shower, and a privacy fence! Interior of the house has very spacious rooms, and a good sized kitchen with an island. If you're looking for

  Wesley Prothro Prothro Real Estate & Associates

  716 Williams Ave, Panama City, FL 32401
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  /4

  $139,000

  323 Jase Ct, Upper Grand Lagoon, FL 32408

  Hidden Pines Subdivision - Just Minutes from the beach and Navy base. Highly sought after location, WITH NO HOA FEES! Spacious lot with no one in your back yard. ALL underground utilities. Paved walking/riding trail. The perfect spot to build your new dream home.

  Don Rehmus Berkshire Hathaway HomeServices Beach Properties of Florida

  323 Jase Ct, Upper Grand Lagoon, FL 32408
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  /2

  $185,000

  • 2 Beds
  • 1 Bath
  • 1,211 Sq Ft

  Unlisted Address

  Investment Opportunity or Fixer UpperOver 1 acre offering possibility to build 2 single family residences or possibly put a small subdivision in of 8 single family homes.(Verify this information with the County)The existing home has 2 bedrooms 1 bath, screened porch but is in need of repairs.Endless possibilities with a great location in Highland Park close to 231, Lynn Haven, Mosley, Highland

  Susan Tucker Hitchcock Real Estate LLC

  Unlisted Address
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  /35

  $189,000

  • 3 Beds
  • 1 Bath
  • 1,216 Sq Ft

  617 N 9th Plaza, Panama City, FL 32404

  *Seller offering a new metal roof with an acceptable offer* This cozy and well-maintained block home is move-in ready and waiting for its new owner. Located on a large lot, it's just a short walk to the brand-new 18-acre Parker Sports Complex, featuring pickleball and tennis courts, a baseball field, walking trails, dog park, and playground. Love the outdoors? You're also just down the road from

  Celia Bush Think Real Estate

  617 N 9th Plaza, Panama City, FL 32404
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  /24

  $120,000

  3516 Cottage Cove Ln, Upper Grand Lagoon, FL 32408

  Nice 40' x 101.6' lot in Sanctuary Beach. This gated neighborhood is ideally located for privacy yet close to every imaginable amenity! Low association dues and community pool. Adjacent to Bay Point's incredible offerings of golf, tennis, spa, restaurants, hotel and new marina. This lot offers extra privacy because it backs up to property owned by the Bay Point Property Association. See why

  Chris Charles The Premier Property Group

  3516 Cottage Cove Ln, Upper Grand Lagoon, FL 32408
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  /28

  $109,950

  • 4 Beds
  • 2 Baths
  • 1,448 Sq Ft

  10909 Cowels Rd, Fountain, FL 32438

  Welcome to 10909 Cowles Rd, a fantastic investment opportunity nestled in panhandle of Florida. Whether you are a first-time home owner looking to add your own personal touch, or an investor looking for a project, this is the ideal investment. The bones are great, and only needs your creative touch to freshen this home up! This 4 bedroom, 2 bathroom home has the ideal floorplan with major

  Terry Connors THE SHOP REAL ESTATE CO.

  10909 Cowels Rd, Fountain, FL 32438
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  /28

  $129,000

  • 2 Beds
  • 1 Bath
  • 700 Sq Ft

  711 Heavener Ln, Panama City, FL 32409

  This charming country cottage is a true gem, nestled on a generous 0.34-acre lot, offering both space and comfort. With its inviting living room that flows seamlessly into a spacious kitchen, it's perfect for both relaxation and entertaining. The home boasts beautiful tongue and groove varnished ceilings, rich wood paneling, and custom trim, adding a touch of rustic elegance. Enjoy the

  Bettie Slay Bettie's Country Realty

  711 Heavener Ln, Panama City, FL 32409
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  /23

  $188,000

  TBD Elma Ruth Dr, Southport, FL 32409

  Incredible price on a bay front lot measuring approx 95' x 200'. Live in harmony with nature and enjoy the views from the proposed plans submitted for approval. The Western half of the lot can be contained with a retaining/seawall to construct an elevated, two story home with a 24' x 40' foot print allowing almost 2,000 SF of living space and additional deck space. The plans also include a 285'

  Chris Charles The Premier Property Group

  TBD Elma Ruth Dr, Southport, FL 32409
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  /18

  $145,000

  • 3 Beds
  • 1 Bath
  • 1,004 Sq Ft

  530 E 7th Ct, Panama City, FL 32401

  Opportunity Zone Alert!Looking for a fixer-upper or the perfect spot to build new? This 3-bedroom, 1-bathroom home is full of potential and located in an Opportunity Zone. Home is just minutes from Massalina and Watson Bayou.Key Features:•New A/C unit (2019)•New hot water heater•New electric stove•W/D hookups•Updated electrical

  Iesha Woodfaulk The Premier Property Group Seacrest Office

  530 E 7th Ct, Panama City, FL 32401
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  /17

  $174,900

  • 2 Beds
  • 1 Bath
  • 748 Sq Ft

  4910 Alameda St, Panama City, FL 32404

  Renovated Showcase: Perfect First Home or Smart Investment. This meticulously renovated 2-bedroom, 1-bathroom gem presents an ideal first home or exceptional investment opportunity in today's competitive market. Every detail has been thoughtfully updated to create a property that has strong rental income potential with minimal maintenance concerns. The open-concept layout maximizes the living

  Nathan Lawrence Legacy Premier Agency

  4910 Alameda St, Panama City, FL 32404
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  /21

  $200,000

  • 3 Beds
  • 2 Baths
  • 1,476 Sq Ft

  518 Maine Ave, Panama City, FL 32401

  Located in the heart of desirable St. Andrews, this 3-bedroom, 2-bath home offers the perfect blend of comfort, space, and beachy charm. Step inside to find a spacious family area and kitchen. Outside, enjoy a large fenced-in yard-- perfect for pets, gardening, or relaxing afternoons in the Florida sun. Two storage sheds provide extra space for tools or beach gear. With no HOA, you have the

  Becca Wright Own It Real Estate LLC

  518 Maine Ave, Panama City, FL 32401
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  /8

  $198,000

  • 3 Beds
  • 1 Bath
  • 1,140 Sq Ft

  804 Nottingham Dr, Panama City, FL 32401

  Attention investors:Come see this great 3 Bed 1 Bath in Springfeild. Home is rented for 1,000 a month. Great investment home to expand your portfolio today. Call your agent and get the details.

  Patrick Casey Full Sail Realty of NWFL

  804 Nottingham Dr, Panama City, FL 32401
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  /39

  $155,000

  • 4 Beds
  • 2 Baths
  • 1,325 Sq Ft

  2004 Greenbriar Blvd, Lynn Haven, FL 32444

  Price reduced on this 4 bd, 2 ba Lynn Haven Home on a dead end street, convenient to schools and all shopping. Numerous updates done throughout home to include granite countertops in kitchen, stainless appliances, flooring and more. Home does need some repairs and appears to have some structural issues. Call today for your personal tour of this home.

  Lorena Buchenhorst Overstreet Realty

  2004 Greenbriar Blvd, Lynn Haven, FL 32444

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