Bay County FL Homes under $100,000

• 

  

  

  /3

  $45,000

  $5K PRICE DROP

  • Land
  • 3,484 Sq Ft
  • $562,500 per Acre

  622 Harmon Ave, Panama City, FL 32401

  Discover an exceptional opportunity in the heart of Downtown Panama City with this versatile vacant parcel at 622 Harmon Ave. Positioned within the thriving Downtown District, this cleared lot offers outstanding potential for developers, investors, and business owners looking to be part of the city's continued revitalization. Currently zoned Single Family Residential and Commercial, this property

  Scott Kirkman Legacy Premier Agency

  622 Harmon Ave, Panama City, FL 32401
• 

  

  /2

  $13,900

  • Land
  • 28,314 Sq Ft
  • $21,385 per Acre

  12125 Pineridge Rd, Fountain, FL 32438

  Build your dream on this secluded lot in the Fountain area of Bay County. Just a short drive to the world's most beautiful beaches, natural Florida Springs, and all the conveniences and luxuries of the Panama City area while still having your own quiet place to get away from it all. Call your favorite Realtor today to learn more about this property.

  Melany Hathcock Keller Williams Success Realty

  12125 Pineridge Rd, Fountain, FL 32438
• 

  

  /2

  $75,000

  $10K PRICE DROP

  • Land
  • 37,461 Sq Ft
  • $87,209 per Acre

  1511 Montana Ave, Lynn Haven, FL 32444

  Nearly one acre of land located in an established neighborhood, offering an excellent opportunity to bring your vision to life. The property provides a convenient setting with surrounding homes already in place. Utilities are available nearby, making this an attractive option for future development. A great opportunity for buyers seeking a buildable lot in a well-established area.

  Charles Kelley Dalton Wade, Inc.

  1511 Montana Ave, Lynn Haven, FL 32444
• 

  

  

  /3

  $18,000

  • Land
  • 21,344 Sq Ft
  • $36,735 per Acre

  12116 Pinecrest Rd, Fountain, FL 32438

  This unique opportunity in Fountain includes two adjacent .25-acre lots(12116 and 12128 Pinecrest Rd), giving you a combined half-acre homesite for one affordable price. Located on Pinecrest Rd, these partially cleared parcels offer the perfect blend of privacy and flexibility. Whether you want to build a sprawling custom estate, place a manufactured home, or develop two separate residences, this

  chris roberts EXP Realty LLC

  12116 Pinecrest Rd, Fountain, FL 32438
• 

  

  

  /4

  $45,500

  • Land
  • 8,276 Sq Ft
  • $239,474 per Acre

  000 Fountain Ave, Panama City, FL 32405

  Lot zoned for Single Family Residential and is located in Panama City just off 17th Street. Lot is not cleared. Seller is motivated to move immediately. (land located next to property addressed at 1906 E 18th Street)

  Catriese Johnson Coldwell Banker Realty

  000 Fountain Ave, Panama City, FL 32405
• 

  

  /8

  $59,900

  $5K PRICE DROP

  • Land
  • 3.9 Acres
  • $15,359 per Acre

  19721 Highway 231, Fountain, FL 32438

  Just north of the world-famous beaches of Panama City Beach and tucked into the quiet charm of Fountain, 19721 Hwy 231 offers something increasingly rare -- space to breathe, room to grow, and the freedom to create the lifestyle you've been dreaming about. Imagine mornings wrapped in stillness, coffee in hand as the sun rises over your own stretch of land. No crowded neighborhoods. No HOA

  Matt Keaton Counts Real Estate Group Inc

  19721 Highway 231, Fountain, FL 32438
• 

  /2

  $100,000

  • Land
  • 27,442 Sq Ft
  • $158,730 per Acre

  4912 Bay Ave, Youngstown, FL 32466

  Rare opportunity to own little over half an acre on Deerpoint Lake. Perfect for a custom home, with easy access to Bay county amenities. Don't miss your chance to own a slice of lakefront paradise! Buyer to verify all dimensions.

  Rhianne Giddiens ERA Neubauer Real Estate Inc

  4912 Bay Ave, Youngstown, FL 32466
• 

  

  /5

  $19,999

  $5K PRICE DROP

  • Land
  • 8,712 Sq Ft
  • $99,995 per Acre

  0 Bayou Ave Unit 779848, P C Beach, FL 32401

  Welcome to Grove Heights Subdivision - an extraordinary opportunity to imagine a lot of limitless possibilities. This lot is zoned MU, not in a flood zone, meaning multi-use is allowed, anything from a Single-Family stick build, a new manufactured home or even a duplex. All options present a new foundation for you, or an income generating solution!

  Jacob Hutchins CENTURY 21 Commander Realty

  0 Bayou Ave Unit 779848, P C Beach, FL 32401
• 

  /2

  $15,000

  $2K PRICE DROP

  • Land
  • 27,007 Sq Ft
  • $24,194 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. Seller will consider

  Danielle Britton World Impact Real Estate

  11742 Poinsettia St, Fountain, FL 32438
• 

  

  /4

  $55,000

  $15K PRICE DROP

  • Land
  • 26,571 Sq Ft
  • $90,164 per Acre

  7309 Edison Richardson Dr, Youngstown, FL 32466

  Waterfront property nestled along a serene canal with direct access to Bear Creek. The property is cleared and ready to build on or ready for a mobile home. Located in a highly desirable area just minutes from Panama City. This property combines tranquility and convenience, providing an exceptional opportunity to create your dream waterfront retreat, just a few yards off of a paved road. Don't

  Tonia Hathaway CENTURY 21 Commander Realty

  7309 Edison Richardson Dr, Youngstown, FL 32466
• 

  /2

  $35,000

  • Land
  • 10,890 Sq Ft
  • $140,000 per Acre

  614 Redwood Ave, Panama City, FL 32401

  2 buildable quarter acre lots in the heart of Panama City. Partially cleared with access to city water and electric, sewer running on E 7th St.$35,000.00 is per lot. Can sell individually or together. Survey available.

  SAMANTHA CHOAT 1ST CLASS REAL ESTATE ELEVATE

  614 Redwood Ave, Panama City, FL 32401
• 

  

  /9

  $43,500

  $6K PRICE DROP

  • Land
  • 30,927 Sq Ft
  • $61,268 per Acre

  1014 Reel Easy Dr, Panama City, FL 32404

  Spectacular home site in the desirable Laird Bayou community. At over .70 of an acre, there is plenty of space to build your dream home. It backs up to the common area making it more private and giving great proximity to the amenities. Laird Bayou is a gated waterfront community with beautiful custom homes. Ribbon curbed streets and underground utilities. Amenities include a Pool, Boat Launch

  Donald West Northwest Florida Realty, LLC

  1014 Reel Easy Dr, Panama City, FL 32404
• 

  

  /3

  $100,000

  Pre-Foreclosure

  • 3 Beds
  • 1 Bath
  • 995 Sq Ft

  908 E 2nd Ct, Panama City, FL 32401

  Foreclosure Auction Ends May 18, 2026 at 12:00 PM EST. Explore this charming 3-bedroom, 1-bath residence set in a peaceful and well-located Panama City community. Sold As-is. Explore more details and submit your bid through Federa Home App.

  Jamie Boone Federa

  

  908 E 2nd Ct, Panama City, FL 32401
• 

  

  /9

  $39,500

  $11K PRICE DROP

  • Land
  • 5 Acres
  • $7,900 per Acre

  0 Timbercrest Rd Unit 777855, Fountain, FL 32438

  BACK ON THE MARKET!Seller is actively pursuing easement rights for legal access in accordance with Florida Statutes 704.01. (Currently land-locked until easement granted)🔥 NO BANK NEEDED! 3% OWNER FINANCING - ONLY $15K DOWN! 🔥Own 5 Acres in Florida for Less Than Rent!Now is the perfect time to invest in land. Secure your own slice of high-and-dry Florida paradise

  Danny Burnett Keller Williams Success Realty

  0 Timbercrest Rd Unit 777855, Fountain, FL 32438
• 

  

  /6

  $38,400

  • Land
  • 20,908 Sq Ft
  • $80,000 per Acre

  12307 3rd St, Fountain, FL 32438

  Great opportunity to acquire a 0.48-acre vacant lot at 12307 3rd Street, Fountain, FL 32438. "Zoning: R-2" This spacious parcel offers ample room for building a custom spot, or holding as a long-term investment. Located in a quiet and accessible neighborhood, the property provides convenient access to local amenities, schools, and major roadways. Ideal for builders, or investors, seeking a

  Samih Sadiq KELLY RIGHT REAL ESTATE

  12307 3rd St, Fountain, FL 32438
• 

  

  /7

  $79,900

  $15K PRICE DROP

  • Land
  • 1.63 Acres
  • $49,018 per Acre

  216 Hickory Bluff Rd, Southport, FL 32409

  Spacious 1.63-acre lot offering a perfect mix of open space and mature trees. No HOA restrictions and mobile homes are allowed, giving you the flexibility to create the lifestyle you want. A great opportunity to build your home in a peaceful setting!

  Heather Cole Keller Williams Realty Emerald Coast

  216 Hickory Bluff Rd, Southport, FL 32409
• 

  

  /5

  $84,500

  $4K PRICE DROP

  • Land
  • 20 Acres
  • $4,225 per Acre

  xxx Timbercrest Rd, Fountain, FL 32438

  Two 10-acre parcels along Juniper Creek are included in this sale. 00806-000-000 & 00807-000-000 1.25 miles from Hwy 231 and 30 miles to Panama City. There is no recorded easement to this property. Flood zone AE and small portion in X.

  Tiffani Salinas Compass

  xxx Timbercrest Rd, Fountain, FL 32438
• 

  

  /7

  $88,000

  $1K PRICE DROP

  • Land
  • 4,356 Sq Ft
  • $880,000 per Acre

  11554 Steel Field Rd, Vernon, FL 32462

  Have you been looking for the PERFECT spot for your weekend get-a-way? Look no further! Welcome to the Steelfield FishCamp! This is a WATERFRONT lot that will be the perfect place for your weekend get-a-way or full time escape from the rat race. Location is just 25 min from Pier Park in PCB by car, or about 25 min to the Choctawhatchee Bay by boat. Explore one of the most pristine rivers in North

  Lisa Felix Full Sail Realty of NWFL

  11554 Steel Field Rd, Vernon, FL 32462
• 

  /2

  $5,900

  • Land
  • 6,534 Sq Ft
  • $39,333 per Acre

  11721 Ivydell St, Fountain, FL 32438

  Affordable vacant lot in the peaceful community of Fountain, Florida! This 50' x 135' property, zoned R-2, is perfect for a single-family home or mobile home, giving you flexible options to build or place your next residence. Enjoy quiet rural living with convenient access to Hwy 231. Whether you're a first-time buyer, investor, or looking for a future homesite, this lot offers excellent

  Robert Davis Blue Bird Woliver Realty

  11721 Ivydell St, Fountain, FL 32438
• 

  

  /21

  $96,000

  • 3 Beds
  • 2 Baths
  • 1,045 Sq Ft

  1128 S Gay Ave Unit 88, Panama City, FL 32404

  2026 Sunshine | COM1670-608 | 3 Bed / 2 Bath | 1,045 Sq Ft Brand new and move-in ready, this 2026 Sunshine singlewide is the perfect combination of modern style and efficient living. Spanning 1,045 square feet across a 16' x 66' layout, this 3-bedroom, 2-bathroom home is thoughtfully designed to feel open, comfortable, and anything but ordinary. Step inside to a bright, open floorplan where the

  Steven Koleno BEYCOME OF FLORIDA LLC

  1128 S Gay Ave Unit 88, Panama City, FL 32404
• 

  

  /9

  $100,000

  • Land
  • 6,534 Sq Ft
  • $666,667 per Acre

  5309 Hopetown Ln, Panama City, FL 32408

  Build your dream home at 5309 Hometown Lane in the exclusive, gated community of Martinique! Located on the quiet East End of Panama City Beach, Martinique is highly sought after for its classic ''Old Florida'' charm, peaceful nature trails, and freshwater lakes. It's a very golf-cart-friendly neighborhood packed with great amenities, including an island-style community pool, a pavilion, a

  Team Don and Bubba EXP Realty LLC

  5309 Hopetown Ln, Panama City, FL 32408
• 

  

  /8

  $27,500

  • Land
  • 1.4 Acres
  • $19,643 per Acre

  9112 Oakridge Ln, Youngstown, FL 32466

  If you've been searching for a private homesite with room to create your vision, this parcel on Oakridge Ln in Youngstown offers a great opportunity. Featuring natural tree coverage and surrounded by rural homesites, the property provides a quiet setting with flexibility to build your future residence, place a manufactured home (buyer to verify), or hold as an investment. Located in the growing

  Joshua Hoey Think Real Estate

  9112 Oakridge Ln, Youngstown, FL 32466
• 

  

  /12

  $65,000

  $5K PRICE DROP

  • Land
  • 7,840 Sq Ft
  • $361,111 per Acre

  1926 Coach Scovel Way, Panama City, FL 32405

  Calling all builders and investors! This prime piece of land is ideally situated near shopping, a city park, restaurants, colleges, schools, and just minutes from ''The World's Most Beautiful Beaches'' that make this area famous. Located in the coveted St. Andrews neighborhood, and conveniently close to FSU and Gulf Coast State College, this cleared lot offers limitless potential. Whether you're

  Jesse Cole Counts Real Estate Group

  1926 Coach Scovel Way, Panama City, FL 32405
• 

  

  /4

  $77,000

  • Land
  • 22,215 Sq Ft
  • $150,980 per Acre

  128 N Kimbrel Ave, Panama City, FL 32404

  This conveniently located property offers easy access to Cherry and is within commuting distance to Tyndall AFB and downtown. The property spans approximately 122 feet along Kimbrel Avenue and is about 181 feet deep. Key Details: Zoning: Currently zoned R-6M by the City of Callaway, allowing for single-family residences, including mobile homes. Subdivision Potential: The property's size permits

  Steve Butler ERA Neubauer Real Estate, Inc

  128 N Kimbrel Ave, Panama City, FL 32404
• 

  

  /17

  $20,000

  • Land
  • 1.15 Acres
  • $17,391 per Acre

  9119 Ibis Ln, Youngstown, FL 32466

  Large Building lot for Country living yet close to town! Lot is 1.15 acres off hwy 2301 within minutes to the Deer Point Dam where you can launch you boat for Great Saltwater Fishing or Freshwater fishing! This is a very convenient area close to all that our wonderful area has to offer! Want more land? The lot next door is for sale as well, buy them both! Thank you for considering this property.

  Deborah Class ERA Neubauer Real Estate, Inc

  9119 Ibis Ln, Youngstown, FL 32466
• 

  

  /5

  $29,120

  • Land
  • 43,124 Sq Ft
  • $29,414 per Acre

  25 4s 13w -1 349-, Panama City, FL 32404

  Approximately 0.989-acre vacant parcel (Parcel ID 07399-330-000) located in the Sandy Creek area. This wooded lot is part of the ±/- 21-acre package referenced in MLS #784297 and is being offered individually as a potential separate lot sale. The property is wooded and may require clearing. Well and septic will be needed for future development. There is currently no dedicated road access;

  Heather Neubauer ERA Neubauer Real Estate Inc

  25 4s 13w -1 349-, Panama City, FL 32404
• 

  

  /10

  $59,900

  • Land
  • 29,185 Sq Ft
  • $89,403 per Acre

  600 Reef Ct, Panama City, FL 32404

  Build your dream home on this prime residential lot located at 600 Reef Court in Panama City. Nestled in a quiet cul-de-sac, this property offers the perfect blend of privacy and convenience. With ample space to design a custom home, the lot provides a peaceful setting while still being just a short drive from local schools, shopping, dining, and beautiful Gulf Coast Beaches. Whether you're

  Kayleigh Warren Keller Williams Success Realty

  600 Reef Ct, Panama City, FL 32404
• 

  

  /6

  $99,000

  • Land
  • 18,730 Sq Ft
  • $230,233 per Acre

  402 Meadowview Terrace Unit LOT 1, Lynn Haven, FL 32444

  Nearly 1/2 acre lot in The Meadows & The Point subdivision located on a cul-de-sac, this lot offers privacy and tranquility! Perfect for building a home and taking advantage of the nearby golf course. Lot offers mature oaks along with existing spectacular wooded area. All measurements, sizes and other listing information should be verified if deemed important.

  Charles Commander Jr. CENTURY 21 Commander Realty

  402 Meadowview Terrace Unit LOT 1, Lynn Haven, FL 32444
• 

  

  /6

  $58,000

  • Land
  • 6,534 Sq Ft
  • $386,667 per Acre

  509 N James Ave, Panama City, FL 32401

  Affordable opportunity to acquire a 0.15-acre vacant lot at 509 N James Avenue, Panama City, FL 32401. "Zoning: GC 1" This compact parcel is ideal for building a retreat or holding as a future investment. Located in a quiet neighborhood with convenient access to local amenities, schools, and major roadways, the property offers flexibility and strong long-term potential. Perfect for first-time

  Samih Sadiq KELLY RIGHT REAL ESTATE

  509 N James Ave, Panama City, FL 32401
• 

  

  /3

  $50,000

  • Land
  • 3.75 Acres
  • $13,333 per Acre

  20021 Owenwood Trail, Fountain, FL 32438

  Sitting on just shy of 4 acres, this property is full of potential and ready to be transformed into your new home! The enclosed pole barn offers plenty of space for a workshop, storage, or hobby area. The property already features a well, functional septic system, and power connection in place. The manufactured home is being given no value and will require significant renovation or removal,

  Alyssa Sato Keller Williams Success Realty

  20021 Owenwood Trail, Fountain, FL 32438
• 

  

  /15

  $20,995

  $3K PRICE DROP

  • 2 Beds
  • 1 Bath
  • 832 Sq Ft

  250 Nelle Ave Unit 19.5, Panama City, FL 32404

  This home is located in Palm Haven an all-age Community here in Panama City, FL. Welcome to this 2018 Clayton 2‐bedroom, 1‐bathroom, 832 sq ft home. Discover the perfect blend of affordability and Florida charm in this inviting 1-bedroom, 1-bathroom home with 832 sq ft. of living space. Nestled within the serene and professionally managed Palm Haven Estates, a Parakeet Community, this residence

  Auzzi Dixon Palm Haven

  250 Nelle Ave Unit 19.5, Panama City, FL 32404
• 

  

  /3

  $65,000

  $10K PRICE DROP

  • Land
  • 1.45 Acres
  • $44,828 per Acre

  9110 Oakridge Ln, Youngstown, FL 32466

  Large 1.4 acre lot, mostly wooded with some clearing, there is a mobile home on the property. buyer to determine the value.

  Will Pender Keller Williams Success Realty

  9110 Oakridge Ln, Youngstown, FL 32466
• 

  /2

  $67,000

  $8K PRICE DROP

  • Land
  • 16.1 Acres
  • $4,161 per Acre

  000 Oak Tree Ln, Fountain, FL 32438

  CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS'16.1 Acres - Unique Corner Lot, Corner of Oak Tree and Walnut. Aviation 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.

  Danielle Britton World Impact Real Estate

  000 Oak Tree Ln, Fountain, FL 32438
• 

  

  /12

  $89,000

  • Land
  • 22,651 Sq Ft
  • $171,154 per Acre

  109 Lake Merial Trail, Southport, FL 32409

  Live surrounded by trees, play all day by the lake, your dream home awaits in the gated community of Lake Merial, a 300-acre spring fed lake with amenities and a lifestyle you deserve! Nestled on 0.52 acres, this beautiful parcel has been cleared and is ready for build on. This homesite offers the perfect blend of privacy, nature, and possibility for you to build your dream home. At Lake Merial,

  Sostheim Group Corcoran Reverie SRB

  109 Lake Merial Trail, Southport, FL 32409
• 

  

  /28

  $85,955

  New Construction

  • 3 Beds
  • 2 Baths
  • 1,152 Sq Ft

  250 Nelle Ave Unit H, Panama City, FL 32404

  This home is located in Palm Haven Estates here in Panama City, Florida. Welcome to this brand‐new 2025 Clayton Homes 3‐bedroom, 2‐bathroom, 1,152 sq ft home, featuring an open floor plan designed for modern, comfortable living. Inside, the home offers a spacious open‐concept layout that seamlessly connects the living room, dining area, and kitchen-ideal for both everyday living and entertaining.

  Auzzi Dixon Palm Haven

  250 Nelle Ave Unit H, Panama City, FL 32404
• 

  

  /5

  $65,000

  $5K PRICE DROP

  • Land
  • 22,476 Sq Ft
  • $125,969 per Acre

  107 Lake Merial Blvd, Panama City, FL 32409

  I’m Excited About This Property! ........ Now Let Me Tell You Why! ... OWNER FINANCING! ... Gated Community! .... Build the Waterfront Home Of Your Dreams! Here Are The Details: ... Land: 22,476/sf .... Linear Water Front: 155’ .... This property has it all! .... Buyer must preview "Virtual Walk-Through" before showing.

  Leon Weinschneider Beachfront Realty Inc

  107 Lake Merial Blvd, Panama City, FL 32409
• 

  

  /16

  $14,995

  $9K PRICE DROP

  • 1 Bed
  • 1 Bath
  • 384 Sq Ft

  250 Nelle Ave Unit 34, Panama City, FL 32404

  This home is located in Palm Haven Estates here in Panama City, Florida. Welcome to this 2018 Custom Touch 1‐bedroom, 1‐bathroom, 384 sq ft home, offering an affordable and low‐maintenance living option in a friendly community. Inside, the home features a cozy and efficient layout designed to make the most of every square foot. The living area is bright and inviting, with natural light creating a

  Auzzi Dixon Palm Haven

  250 Nelle Ave Unit 34, Panama City, FL 32404
• 

  

  /10

  $45,000

  • Land
  • 15,246 Sq Ft
  • $128,571 per Acre

  718 N Fox Ave, Panama City, FL 32404

  Attention builders, future homeowners, and investors! This prime vacant lot offers an incredible opportunity just outside the Callaway city limits in a fast-growing area. Conveniently located within walking distance to Callaway Elementary and only minutes from Eastern Shipbuilding and Tyndall Air Force Base, this property provides both accessibility and long-term investment potential. This larger

  Brook Simmons Keller Williams Success Realty

  718 N Fox Ave, Panama City, FL 32404
• 

  

  /11

  $7,200

  • Land
  • 2,613 Sq Ft
  • $120,000 per Acre

  Unlisted Address

  Residential lot at 1603 E 8th St in Panama City, FL! This 0.06-acre parcel is located at the end of a quiet dead-end street, offering privacy and a perfect spot to build a small home or investment property.

  Zack Seltzer Seltzer Real Estate, LLC

  Unlisted Address
• 

  

  /18

  $49,500

  $50K PRICE DROP

  • Land
  • 25,264 Sq Ft
  • $85,345 per Acre

  1021 Reel Easy Dr, Laird Bayou, FL 32404

  Come build your beautiful custom home in Laird Bayou. Gorgeous views of East Bay, gated, pool and boat launch inside the community. This lot is non-dockable leaving you with unobstructed views of the bay. Call me today to schedule your tour of Laird Bayou.

  Jeanie Dugue Keller Williams Success Realty

  1021 Reel Easy Dr, Laird Bayou, FL 32404

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