Bay County FL Homes under $100,000

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  $50,000

  • Land
  • 0.74 Acre
  • $67,568 per Acre

  7304 Penny Rd, Panama City, FL 32404

  CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS This property offers a great opportunity with a septic and well water, providing self-sufficiency and freedom from city utilities. Located in a quiet, rural setting, it's perfect for those seeking privacy and space to spread out. Whether you're looking to build a home, place a mobile home, or use the land for other purposes, this lot

  

  Sabina Balch

  Keller Williams Success Realty

  (850) 919-3062

  7304 Penny Rd, Panama City, FL 32404
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  /7

  $90,000

  1411 N Cove Blvd, Panama City, FL 32401

  Priced to Sell and right on MLK/Cove Blvdgreat building lot

  

  Erich Hardy

  Think Real Estate

  (448) 413-6422

  1411 N Cove Blvd, Panama City, FL 32401
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  /6

  $100,000

  • Land
  • 10 Acres
  • $10,000 per Acre

  11630 County Line Rd, Fountain, FL 32438

  10 Acres located in Fountain, FL. Electric available. Septic, Well and pond located on the property. Previous mobile home being on the land. (Condition of well and septic unknown). Rolling hills in this area about 35 miles north of Panama City, FL. Survey Available.

  

  Carol Erwin

  Forgotten Coast Realty of NW Florida LLC

  (850) 990-1725

  11630 County Line Rd, Fountain, FL 32438
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  /15

  $44,900

  1009 Tidewater Ln, Panama City, FL 32404

  Entrance into community drive through lined Crape Myrtle. Gated community, with RV and Boat storage parking.This is the perfect location to Build your DREAM HOME.This Beautiful gated community in Laird Point offers a peaceful views of the Laird Bayou . The amenities include a new pickleball courts, Tennis Court, Half court basketball, Boat and RV storage. This community has

  

  Tracye Crass

  Beach Haven Realty

  (850) 845-8713

  1009 Tidewater Ln, Panama City, FL 32404
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  /8

  $99,500

  • Land
  • 1.63 Acres
  • $61,043 per Acre

  001 Hwy 2321, Panama City, FL 32409

  This is your chance to own affordable waterfront property on Deerpoint Lake. This property is truly unique because it has a water view of both the bay and the lake and it is located 1/2 mile from a fresh water and a salt water boat ramp! You may want to build a home and live there full time, or your lake house to visit, or maybe you even want to build a vacation rental? You may even put a dock

  

  Lisa Davis

  Harvest One Realty powered by SellState

  (448) 202-4687

  001 Hwy 2321, Panama City, FL 32409
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  /19

  $84,900

  • 3 Beds
  • 2 Baths
  • 1,140 Sq Ft

  7925 Heron Ln, Youngstown, FL 32466

  Peaceful Country Retreat Just 40 Minutes from World-Class BeachesTucked away in a quiet, country setting, this charming property offers the perfect blend of tranquility and convenience—just a short 40-minute drive to some of the world's most beautiful beaches.The home features a spacious, fenced backyard, ideal for pets, play, or relaxing in privacy. A large screened and covered

  

  Scott Seidler

  Keller Williams Success Realty

  (448) 218-4753

  7925 Heron Ln, Youngstown, FL 32466
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  /8

  $99,500 New Construction

  • Land
  • 1.82 Acres
  • $54,670 per Acre

  002 Hwy 2321, Panama City, FL 32409

  This is your chance to own affordable waterfront property that has water views of both the lake and the bay. It's located on Deerpoint lake within 1/2 mile of a fresh water and a salt water boat ramp. You may opt for a dock to access the lake from your backyard? This place has great potential! You may want to build a permanent residence? Or maybe a getaway or a retirement home? You may also build

  

  Lisa Davis

  Harvest One Realty powered by SellState

  (448) 202-5050

  002 Hwy 2321, Panama City, FL 32409
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  /6

  $70,000

  • Land
  • 12.56 Acres
  • $5,573 per Acre

  5100 Old Majette Tower Rd, Panama City, FL 32404

  Building lot on Old Majette Tower Road. Access also off Duneridge Road. Rest of property is woods & wetlands.

  Clay Patrick Crosby & Associates, Inc

  5100 Old Majette Tower Rd, Panama City, FL 32404
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  /8

  $100,000

  7141 Beachwood Blvd, Panama City Beach, FL 32407

  Build your dream home on this quiet cul-de-sac lot in a prime Panama City Beach location! This vacant parcel is easy to show and already has utilities in place, making the building process simple and convenient. Nestled in a peaceful neighborhood setting yet close to shopping, dining, schools, and the world-famous white sand beaches, this homesite offers the perfect blend of privacy and

  Renae Cooper RE/MAX SELECT Partners

  7141 Beachwood Blvd, Panama City Beach, FL 32407
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  /13

  $75,000

  • 2 Beds
  • 1 Bath
  • 946 Sq Ft

  2810 E 2nd Ct, Panama City, FL 32401

  This property offers a rare opportunity in an ideal location, perfect for renovation enthusiasts or investors. The house itself shows signs of wear, with aging fixtures, dated interiors, and the need for structural updates. However, its solid foundation, spacious layout, and large windows provide a strong starting point for transformation. Nestled in a sought-after neighborhood, it boasts easy

  Ezechiel Jean EXP Realty LLC

  2810 E 2nd Ct, Panama City, FL 32401
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  /2

  $70,000

  505 Virginia Ave, Lynn Haven, FL 32444

  This lot is mostly cleared. A few trees left for that shade! Large lot that was divided to two separate building lots.Near the Bay and has an elevation of 5 ft. Such a great location and near all the fun Lynn Haven has to offer!!

  Teresa Dyer Realty One of Northwest Florida LLC

  505 Virginia Ave, Lynn Haven, FL 32444
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  /23

  $50,000

  809 Vista Del Sol Ln, Panama City, FL 32404

  Bring ALL Offers...... Looking for a large lot to build your DREAM HOME, in one of Bay County's most Prestigious, gated, neighborhoods? Laird Bayou is a gated community with a community pool, community, RV/Boat parking, and best of all its very own private boat launch and extra parking. This large lot is primarily located in the X flood zone, making this one of the more desirable building lots in

  Brook Simmons Keller Williams Success Realty

  809 Vista Del Sol Ln, Panama City, FL 32404
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  /4

  $47,000

  4906 Christy Ln, Panama City, FL 32404

  Large residential lot in Cedar Branch on a cul-de-sac. Convenient location within walking distance to Tommy Smith Elementary and Merritt Brown Middle School. Perfect lot for you to build your new home!

  Jessie Pate Counts Real Estate Group Inc

  4906 Christy Ln, Panama City, FL 32404
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  /27

  $99,900

  • 2 Beds
  • 2 Baths
  • 936 Sq Ft

  1004 Massalina Dr, Panama City, FL 32401

  Motivated seller says move this property! This cute home in the middle of Panama City, has MORE than what first meets your eye! Close to schools, shopping, and hospitals! FLorida Cottage has newer floors, roof, HVAC, and electric is copper! Kitchen, master bedroom and second bedroom are all really good sized! Solar panels MUST BE TRANSFERED, they are 105$ a month, normal electric runs $35 a month

  Debbie Holzer Hitchcock Real Estate LLC

  1004 Massalina Dr, Panama City, FL 32401
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  /16

  $48,000

  12842 Airway St, Panama City, FL 32404

  Welcome to Sandy Creek Airpark! A gated residential airpark community that features a 3,200 ft. paved runway, with lights and a beacon for night operations. The large cleared lots are big enough to build your custom dream home with a private hangar. This runway lot features direct taxiway access to the runway. The very low HOA dues maintain the common areas(runway, roads, taxiways and easements).

  Bruce Mackay ERA Neubauer Real Estate Inc

  12842 Airway St, Panama City, FL 32404
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  /9

  $99,900

  105 Lake Merial Trail, Panama City, FL 32409

  Lot w/improved concrete pad for 2,354 sf A/C, 4 Bed/2.5 Bath house. Lake Merial Subdivision, gated community, spring fed lake w/common area lake access. This improved lot includes:- Building plans for 4 Bed/2.5 Bath house- PrePaid impact fees- Cleared 1/2 acre lot- Fill dirt is done- Underground utilities are done- Roughed in concrete slab for house & garage-

  Chris Hine Bluewater Commercial LLC

  105 Lake Merial Trail, Panama City, FL 32409
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  $49,000

  0 S Silver Lake Rd Unit 776984, Fountain, FL 32438

  Unique opportunity to own 7.5 unrestricted acres in Youngstown, Florida. This land combines open and wooded areas, offering ample space to build a home, private retreat, or future investment. Located just south of US-231, with quick access to Panama City in only 35 minutes, while maintaining the peace and privacy of a rural setting. Nearby are stores, Dollar General, post office, restaurants, and

  Steven Koleno Beycome of Florida LLC

  0 S Silver Lake Rd Unit 776984, Fountain, FL 32438
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  /6

  $44,000

  Unlisted Address

  Picture Your Future Here at 1917 Lombardy Ave!Imagine building your dream home—or your next smart investment—on this 6,011 sqft cleared lot (approx. 55x110 ft) right in the heart of Panama City. Tucked in a peaceful neighborhood, you're just minutes from Gulf Coast State College, FSU Panama City, St. Andrews Bay, local shops, hospitals, and the beach. Whether you're planning your forever home

  Ramone Silvera Salty Marlin Realty LLC

  Unlisted Address
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  /2

  $60,500

  200 Beechwood Way, Panama City, FL 32404

  Build your dream home or place your mobile home on this spacious half-acre lot conveniently located near Tyndall Air Force Base. With flexible zoning, this property offers endless possibilities for homeownership or investment. Enjoy the peaceful surroundings while being just minutes from shopping, dining, and the beautiful beaches of the Gulf Coast. Don't miss this opportunity to own affordable

  Heather Wooten Keller Williams Realty Emerald Coast

  200 Beechwood Way, Panama City, FL 32404
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  /5

  $50,000

  903 Tidewater Ln, Panama City, FL 32404

  Waterfront Lot Ready for Your Dream Home in Gated Coastal Community!Welcome to Laird Point—an exclusive, gated waterfront community offering the perfect setting to build your dream home. This spacious 0.37-acre lakefront lot has already been professionally cleared of underbrush and dead trees, making it truly ready to build!This is not just a lot-it's the foundation for your

  Thom Bachelder Panhandle Real Estate

  903 Tidewater Ln, Panama City, FL 32404
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  $45,900

  10228 Highway 2301, Youngstown, FL 32466

  Adjoining .89 acre parcel is also for sale. Sold as-is. Condition of mobile, well, septic is unknown. Mobile home has no value.

  Cliff Glansen FLATFEE.COM

  10228 Highway 2301, Youngstown, FL 32466
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  /15

  $42,000

  802 Buoy Ct Unit lot 17, Panama City, FL 32404

  WATERFRONT LOT LOCATED IN BEAUTIFUL LAIRD POINT! Lot 17 at 802 Buoy Court. Waterfront lot located on a quiet cul-de-sac. Laird Point stretches the length of a natural peninsula off the Intracoastal Waterway. This prized Bay County Location rewards residents with an irresistible combination of serene privacy and pleasurable convenience to the beaches and social attractions of nearby Panama City

  Ayesha Albibi Centergate Realty LLC

  802 Buoy Ct Unit lot 17, Panama City, FL 32404
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  /2

  $49,900

  1200 Top Sail Ct, Panama City, FL 32404

  Here is the perfect location to build your dream home in a gated community! This large corner lot is at the end of a cul-de-sac and is located close to the water. Laird Point is located near to Tyndall Air Force Base as well as restaurants and shopping centers and 30 minutes to Panama City Beach or Mexico Beach.

  Mowayne Copeland Keller Williams Success Realty

  1200 Top Sail Ct, Panama City, FL 32404
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  /12

  $59,800

  3835 Cedar Park Dr, Panama City, FL 32404

  **Prime Vacant Lot in Cedar Park Subdivision** LOT HAS BEEN CLEARED!Discover an exceptional opportunity with this vacant lot at 3835 Cedar Park Drive in the desirable Cedar Park subdivision. Nestled on a cul-de-sac in a serene neighborhood, this prime piece of land offers the rare chance to build your dream home in one of the few remaining vacant lots in the area.With its

  Stephanie Aldea Empire Real Estate of Florida LLC

  3835 Cedar Park Dr, Panama City, FL 32404
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  /2

  $54,500

  8708 Creek Run Rd, Youngstown, FL 32466

  All sizes are appx///Corner building lot in ''INDIAN CREEK VILLAGE'' situated on small creek that empties into Deer Point Lake--which is not navigable!!! Two (2) boat landing to lake are within one mile--neighborhood is restricted to single family homes with paved streets and apx 60 homes--great area for Tyndall families with lots of yard for kids to play and enjoy the activities on Beautiful

  Paul Calhoun CENTURY 21 Commander Realty

  8708 Creek Run Rd, Youngstown, FL 32466
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  /2

  $49,500

  0 Sunshine Dr, Youngstown, FL 32466

  Discover the perfect opportunity to build your dream home or invest in the serene community of Indian Bluff in Youngstown, Florida. Lot 30 offers a peaceful retreat surrounded by natural beauty, providing privacy and tranquility while still being conveniently located near Panama City.

  Katie Patronis CENTURY 21 Ryan Realty Inc

  0 Sunshine Dr, Youngstown, FL 32466
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  /3

  $49,500

  6013 Wedgewood Ln, Key Development Estates, FL 32466

  This spacious parcel offers an incredible opportunity to build your dream home in a peaceful, well-established neighborhood. With a generous lot size, you'll have plenty of room to create the ideal living space. The lot is ideally situated with easy access to major highways. This location offers both convenience and tranquility. Adjoining parcel also available.

  Katie Patronis CENTURY 21 Ryan Realty Inc

  6013 Wedgewood Ln, Key Development Estates, FL 32466
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  /7

  $49,500

  6009 Wedgewood Ln, Key Development Estates, FL 32466

  This spacious parcel offers an incredible opportunity to build your dream home in a peaceful, well-established neighborhood. With a generous lot size, you'll have plenty of room to create the ideal living space. The lot is ideally situated with easy access to major highways. This location offers both convenience and tranquility. Adjoining parcel also available.

  Katie Patronis CENTURY 21 Ryan Realty Inc

  6009 Wedgewood Ln, Key Development Estates, FL 32466
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  /3

  $63,000

  125 Central Ave, Panama City, FL 32401

  Welcome to 125 Central Ave in Panama City, Fl. Located in a rapidly growing area, this prime plot of land offers endless potential. Close to major roads, new developments, and top schools, shopping and just down the road from Tyndall Air Force Base and 20 minutes to Panama City Beach! it's ideal for building a dream home, Investment potential as this is a double lot that can be divided to build

  Team Don and Bubba EXP Realty LLC

  125 Central Ave, Panama City, FL 32401
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  /6

  $59,000

  632 Dogwood Way, Panama City, FL 32404

  BUILD YOUR DREAM HOME ON THIS 2.19 ACRE LOT WITH A POND. This expansive 2.19 acre lot offers the perfect opportunity to create your dream home in a serene and private setting. The property features a pond adding a touch of natural beauty and tranquility to your home site.Previously, the land hosted a mobile home and included a well and septic system, though the condition of these systems

  Tammie Charbono Epique Realty Inc

  632 Dogwood Way, Panama City, FL 32404
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  /15

  $45,000

  807 Tidewater Ln, Callaway, FL 32404

  Explore an exceptional freshly cleared waterfront lot, spanning over 1/3 of an acre, in the prestigious gated coastal community of Laird Point. This property boasts breathtaking views, situated in a serene and picturesque neighborhood. Perfectly located near Tyndall Air Force Base, Downtown Panama City, and Mexico Beach, this lot offers an ideal blend of tranquility and convenience. Featuring

  Kristen Barr Counts Real Estate Group Inc

  807 Tidewater Ln, Callaway, FL 32404
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  /2

  $45,000

  810 Tidewater Ln, Panama City, FL 32404

  This home site is located in beautiful Laird Point. The lot is across the street from a freshwater lake with no pre-set time to build. Laird Point is a gated waterfront community. Amenities include a tennis court and rv/boat storage. Near Tyndall Airforce Base. Schedule your visit today!

  Roy Furst Central Bay Realty and Property Management LLC

  810 Tidewater Ln, Panama City, FL 32404
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  /16

  $48,000

  Lot 60 Park Way St, Panama City, FL 32404

  Welcome to Sandy Creek Airpark! A gated residential airpark community that features a 3,200 ft. paved runway, with lights and a beacon for night operations. The large cleared lots are big enough to build your custom dream home with a private hangar. This runway lot features direct taxiway access to the runway. The very low HOA dues maintain the common areas(runway, roads, taxiways and easements).

  Bruce Mackay ERA Neubauer Real Estate Inc

  Lot 60 Park Way St, Panama City, FL 32404
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  /11

  $5,000

  • 2 Beds
  • 1.5 Baths
  • 972 Sq Ft

  141 W Leslie Ln, Panama City Beach, FL 32407

  Foreclosure Auction Ends October 07, 2025 at 12:00 PM EST. Discover this inviting 2-bedroom, 1.5-bathroom home nestled in a quiet Panama City Beach neighborhood. The list price is the opening bid for the online auction. Sold As-is with Clear Title. Explore more details and submit your bid through the Federa Home App.

  Jamie Boone Federa

  141 W Leslie Ln, Panama City Beach, FL 32407
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  /11

  $24,504

  0 Nelson Rd, Southport, FL 32409

  Build your dream home or bring your plans for country living on this 1.82-acre parcel in Southport. These lots offers privacy and plenty of room for the perfect workshop or a garden, while still being just a short drive to shopping, schools, and the white sandy beaches of Panama City Beach. With no HOA, you have the freedom to create the property that fits your lifestyle. Don't miss the chance to

  Jessica Wilson Counts Real Estate Group Inc

  0 Nelson Rd, Southport, FL 32409
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  /2

  $75,000

  • Land
  • 16.1 Acres
  • $4,658 per Acre

  000 Oak Tree Ln, Fountain, FL 32438

  16.1 Acres - Unique Corner Lot in Fountain, FlAviation enthusiasts, take notice! This 16.1-acre corner property in Fountain offers a rare opportunity to own land that's as unique as it is spacious. From above, the lot's natural outline resembles a Boeing 747—making it a true standout for any plane lover.Approximately 10 acres are outside the flood zone and ready for development,

  Danielle Britton World Impact Real Estate

  000 Oak Tree Ln, Fountain, FL 32438
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  /2

  $17,000

  • Land
  • 0.62 Acre
  • $27,419 per Acre

  11742 Poinsettia St, Fountain, FL 32438

  Situated on a .62-acre wooded corner lot, this property combines privacy, convenience, and natural beauty. Mature trees frame the land, creating a peaceful retreat with year-round shade and seasonal color. The corner location offers added accessibility, flexible layout options, and extra curb appeal — making it ideal for a future dream home, cozy cabin, or quiet getaway.

  Danielle Britton World Impact Real Estate

  11742 Poinsettia St, Fountain, FL 32438
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  /2

  $34,950

  • Land
  • 0.17 Acre
  • $205,588 per Acre

  2735 Orlando Rd, Panama City, FL 32405

  Prime opportunity in the heart of Panama City! This spacious parcel at 2735 Orlando Rd, Panama City, FL 32405 is ready for your vision, offering excellent access to shopping, schools, and main thoroughfares. The property comes with complete plans and a current survey, giving you a head start on construction or development. Whether you're building a custom home or pursuing an investment project,

  Alejandro Martin Beachfront Realty

  2735 Orlando Rd, Panama City, FL 32405
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  /2

  $5,000

  • 3 Beds
  • 1 Bath
  • 1,560 Sq Ft

  10737 Johnson Blvd, Youngstown, FL 32466

  Foreclosure Auction Ends October 08, 2025 at 12:00 PM EST. Discover this inviting 3-bedroom, 1-bathroom home nestled in a quiet Youngstown neighborhood. The list price is the opening bid for the online auction. Sold As-is with Clear Title. Explore more details and submit your bid through the Federa Home App.

  Jamie Boone Federa

  10737 Johnson Blvd, Youngstown, FL 32466
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  /2

  $11,500

  • Land
  • 2.5 Acres
  • $4,600 per Acre

  000 Timbercrest Rd, Fountain, FL 32438

  Got dirt road dreams and a soft spot for space? This 2.5-acre slice of Fountain Florida wilderness is calling your name. Wooded, peaceful, and just wild enough to keep things interesting, bring your boots and your big ideas.

  Katie Spires Keller Williams Realty - Elite Partners II

  000 Timbercrest Rd, Fountain, FL 32438

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