Bay County FL Homes under $200,000

• 

  

  

  /43

  $125,000

  • Land
  • 0.53 Acre
  • $235,849 per Acre

  8405 Deepwater Creek Ln, Panama City Beach, FL 32413

  Build your dream home on this beautiful 1/2 acre wooded lot, tucked away on a quiet cul-de-sac on Deepwater Creek Lane in the highly sought-after gated community of RiverCamps. This spacious homesite offers a large buildable area, surrounded by natural beauty and privacy. RiverCamps is a 1,500-acre waterfront preserve where fewer than 450 homesites will be developed on 500 acres, with the

  

  Homes with Hof Team

  98 Real Estate Group, LLC

  (850) 446-9765

  8405 Deepwater Creek Ln, Panama City Beach, FL 32413
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  /8

  $124,900

  • Land
  • 0.17 Acre
  • $725,319 per Acre

  110 Saint Charles St, Mexico Beach, FL 32456

  Cleared and ready to build 75x100 vacant lot in Casuna Subdivision. The property is within minutes of the beach access located at the end of 15th St., community POOL, city parks, restaurants and shops. Golf carts are allowed on all city streets in Mexico Beach. No buildout times. HOA fee is only $900.00 annually. Call your Realtor today!

  

  Ryan Harmon

  Mexico Beach Harmon Realty Inc

  (888) 465-0789

  110 Saint Charles St, Mexico Beach, FL 32456
• 

  

  

  /5

  $195,000

  • Land
  • 0.33 Acre
  • $590,909 per Acre

  507 Cathey Ln, Mexico Beach, FL 32456

  This lot is ready for your dream home. Beautiful landscape with lots of palm trees. It has a 30'' x 30'' garage with a new roof in 2019. City water and city sewer at property as there was once a home on the lot.

  

  Carol Erwin

  Forgotten Coast Realty of NW Florida LLC

  (844) 440-8585

  507 Cathey Ln, Mexico Beach, FL 32456
• 

  

  

  /25

  $169,000

  • 1 Bath
  • 400 Sq Ft

  4114 Holiday Dr Unit 12, Panama City, FL 32408

  Enjoy the perfect beach escape in this fully furnished short-term rental, located just steps from Beach Access 13.The Unit features a new A/C unit (only 1 year old), a brand-new refrigerator, and a washer and dryer for your convenience. A reserved parking spot, along with water is included, and pets are welcome, so everyone in the family can join the fun!Comfortable, clean, and close to the beach

  

  Tareva Ligas

  Keller Williams Success Realty

  (850) 677-4553

  4114 Holiday Dr Unit 12, Panama City, FL 32408
• 

  

  

  /13

  $149,000

  • Land
  • 2.17 Acres
  • $68,664 per Acre

  3097 Ormond Ave, Panama City, FL 32405

  Confirm all info and perform due diligence. Please note, the remnants of radio tower, two storage units, and contents of storage units transfer with property.

  

  Yvette Colona

  Coldwell Banker Realty

  (850) 789-6179

  3097 Ormond Ave, Panama City, FL 32405
• 

  

  /21

  $169,000

  • Land
  • 1.17 Acres
  • $144,444 per Acre

  9738 Summer Creek Dr, Panama City, FL 32409

  MAJOR PRICE IMPROVEMENT!! Creek Front Lot. A dock can be built to access creek. Discover the perfect opportunity to build your dream home in the highly sought-after community of Cedar Creek in Southport, Florida. This prime vacant land parcel offers an ideal blend of privacy and convenience, located right next door to the community's spacious clubhouse, with a beautiful wooded buffer providing a

  

  Inga Brown

  Counts Real Estate Group

  (850) 605-0160

  9738 Summer Creek Dr, Panama City, FL 32409
• 

  

  /27

  $175,000

  • 1 Bed
  • 1 Bath
  • 410 Sq Ft

  101 Cain Rd Unit A, Panama City Beach, FL 32413

  On Lake Powell- It is Florida's largest dune lake. Two Pools, bock ramp with large dock for fishing.Perfect for short term rentals or just a GREAT INVESTMENT with this sought after area. Across from Carillon Beach. Growth all around. LOCATION is KEY!Convenience is everything! Groceries, restaurants,Camp Helen, 30A all just a quick ride.Call today and schedule your showing . This

  

  Tracye Crass

  Beach Haven Realty

  (850) 498-1714

  101 Cain Rd Unit A, Panama City Beach, FL 32413
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  /4

  $139,000

  • Land
  • 10 Acres
  • $13,900 per Acre

  16608 Singer Rd, Youngstown, FL 32466

  Ten acres ready for you to build your new homestead on! Don't miss out on the opportunity to buy that acreage you've been wanting to build on, you just found it. Just off Hwy. 20, a little bit out of town, just far enough for some peace and privacy. It's ready for you to buy, clear and get building!

  

  Lisa Davis

  Harvest One Realty powered by SellState

  (850) 895-9914

  16608 Singer Rd, Youngstown, FL 32466
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  /32

  $169,000

  • Land
  • 0.97 Acre
  • $174,227 per Acre

  7535 Morning Marsh Trail, Panama City Beach, FL 32413

  Discover tranquility in Rivercamps, a coveted gated community offering an unparalleled coastal lifestyle. This vacant lot awaits your vision, nestled within a haven of natural beauty and waterways. Enjoy exclusive access to West Bay and Crooked Creek, along with amenities like a boat ramp, community pool, a waterside campsite with tents, a bathhouse, a fire pit, and more than seven miles of

  

  Randy Carroll

  Scenic Sotheby's International Realty

  (850) 695-4214

  7535 Morning Marsh Trail, Panama City Beach, FL 32413
• 

  

  /21

  $185,000

  • Land
  • 0.25 Acre
  • $740,000 per Acre

  401 Arizona Dr, Mexico Beach, FL 32456

  Discover the perfect opportunity to build your dream home on this exceptional vacant corner lot, located in the coveted X flood zone, ideally situated just half a mile from the stunning Gulf of Mexico. This prime piece of real estate having been previously cleared of large trees, helps in providing a canvas for your architectural vision. Enjoy the proximity to beautiful beaches and the tranquil

  

  Kathe Jones

  Bay Properties Real Estate Group, LLC

  (844) 794-2275

  401 Arizona Dr, Mexico Beach, FL 32456
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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
• 

  /2

  $175,000

  • Land
  • 0.15 Acre
  • $1,166,667 per Acre

  403 N Arnold Rd, Panama City Beach, FL 32413

  401 and lot 403 combine for about a .25 acre

  

  Frank Trenholm

  Coldwell Banker Realty

  (448) 217-2328

  403 N Arnold Rd, Panama City Beach, FL 32413
• 

  /2

  $175,000

  • Land
  • 0.07 Acre
  • $2,500,000 per Acre

  401 N Arnold Rd, Panama City Beach, FL 32413

  401 and 403 Arnold located on Route 79 combine for approximately .25 acres.

  

  Frank Trenholm

  Coldwell Banker Realty

  (448) 231-1326

  401 N Arnold Rd, Panama City Beach, FL 32413
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  /24

  $138,000

  • 3 Beds
  • 2 Baths
  • 1,404 Sq Ft

  7103 Letohatchee St, Panama City, FL 32404

  This inviting home offers a spacious open living area, a generously sized master suite, and a functional galley-style kitchen. The large fenced yard includes a versatile storage building, perfect for a workshop, hobby space, or extra storage. Don't miss out on this fantastic opportunity!

  

  Scott Seidler - TheConnectionTeam

  Keller Williams Success Realty

  (448) 231-1567

  7103 Letohatchee St, Panama City, FL 32404
• 

  

  /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

  $199,990

  • 1 Bath
  • 400 Sq Ft

  4114 Holiday Dr Unit 16, Panama City, FL 32408

  Charming condo Is located on the 1st Floor, located less than a minute from Beach Access 13. Fully furnished and move-in ready, this unit also has a washer and dryer that convey with the sale. Situated within walking distance of popular restaurants, amusement parks, and local shops! Contact your realtor for a private showing!

  

  Tareva Ligas

  Keller Williams Success Realty

  (850) 845-8249

  4114 Holiday Dr Unit 16, Panama City, FL 32408
• 

  

  /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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  /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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  /16

  $162,000

  • 1 Bed
  • 1 Bath
  • 330 Sq Ft

  14401 Front Beach Rd Unit 403, Panama City Beach, FL 32413

  Welcome to the west side of the iconic Fontainebleau, where breathtaking sunsets paint the sky every evening. This beautifully updated 4th-floor unit offers an unbeatable location, there is no property closer to the Gulf of Mexico!Featuring 1 full bathroom and a convenient kitchenette equipped with everything you need, the unit has been tastefully renovated with new kitchen cabinets, a new sink,

  Adrian Jacob Redfin Corporation

  14401 Front Beach Rd Unit 403, Panama City Beach, FL 32413
• 

  

  /13

  $174,900

  • 2 Beds
  • 1.5 Baths
  • 936 Sq Ft

  816 Detroit Ave, Panama City, FL 32401

  Turnkey Opportunity in the Heart of Springfield, FL - Fully Renovated and Ready to Go!Welcome to 816 Detroit Avenue, a beautifully updated 2-bedroom, 1.5-bathroom property located right in the heart of Springfield, Florida. Whether you're a first-time homebuyer looking for a move-in-ready residence or an investor seeking a high-demand rental, this property checks all the boxes.Positioned just

  Michael McKinney Counts Real Estate Group Inc

  816 Detroit Ave, Panama City, FL 32401
• 

  

  /19

  $198,000

  • 1 Bed
  • 1 Bath
  • 750 Sq Ft

  2100 W Beach Dr Unit H103, Panama City, FL 32401

  If you have been searching for a waterfront home at an affordable price, look no further than Landmark Condominiums at Saint Andrew's Bay! This pristine, beautiful condominium property offers a private beach, two community pools, a workout facility, outdoor grills and sitting areas, and even an owner's storage closet conveniently located outside the unit for extra storage space. The open floor

  Nick Brown Coldwell Banker Niceville

  2100 W Beach Dr Unit H103, Panama City, FL 32401
• 

  

  /23

  $175,000

  • 2 Beds
  • 1.5 Baths
  • 972 Sq Ft

  3117 Orlando Rd, Panama City, FL 32405

  Welcome home to this very cute and cozy 2-bedroom, 1.5-bath end-unit townhome, perfectly blending comfort, style, and functionality. Recently remodeled, this property is move-in ready and loaded with upgrades. Inside, you'll love the fresh granite countertops throughout the kitchen and bathrooms, paired with durable and stylish vinyl flooring. New windows throughout, a new AC unit installed

  Angela Feria Foundation Real Estate Agency LLC

  3117 Orlando Rd, Panama City, FL 32405
• 

  

  /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
• 

  

  /15

  $184,000

  • Studio
  • 1 Bath
  • 330 Sq Ft

  14401 Front Beach Rd Unit 234, Panama City Beach, FL 32413

  **REDUCED PRICE! **Stunning Gulf-Front Condo - Panama City Beach, FL Welcome to your slice of paradise! This beautifully remodeled 330 sq. ft. condo offers breathtaking, unobstructed views of the Gulf of Mexico the perfect retreat for beach lovers, savvy investors, or anyone seeking a peaceful coastal lifestyle.Whether you're looking for a vacation getaway, income-producing

  Mike Herring Keller Williams Realty SRB

  14401 Front Beach Rd Unit 234, Panama City Beach, FL 32413
• 

  

  /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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  /39

  $185,000

  • 1 Bed
  • 1 Bath
  • 623 Sq Ft

  8730 Thomas Dr Unit 1304 A, Panama City Beach, FL 32408

  Welcome to Plaza of St. Thomas, where this beautifully updated 1-bedroom, 1-bath condominium offers an excellent opportunity to enjoy Panama City Beach living. This residence features a spacious living area with views of Panama City Beach with modern finishes throughout this beautiful condo.Located less than a block from Beach Access #23, you can enjoy the sugar-white sands and emerald

  Heather Neubauer ERA Neubauer Real Estate Inc

  8730 Thomas Dr Unit 1304 A, Panama City Beach, FL 32408
• 

  

  /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
• 

  

  /68

  $185,000

  • 2 Beds
  • 2.5 Baths
  • 1,343 Sq Ft

  136 Georgetown Ave Unit 3B-3, Inlet Beach, FL 32461

  The Private Residence Club in Rosemary Beach offers the perfect way to enjoy the 30A lifestyle without the full burden of second-home ownership. Nestled in the heart of Rosemary, this exclusive fractional ownership experience provides access to all the charm and elegance of the community with none of the upkeep. Owners enjoy a private gated entrance, secure underground parking, a resort-style

  Mike McGrath Rosemary Beach Realty LLC

  136 Georgetown Ave Unit 3B-3, Inlet Beach, FL 32461
• 

  

  /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
• 

  

  /40

  $179,000

  • 2 Beds
  • 2 Baths
  • 935 Sq Ft

  505 Lighthouse Rd, Panama City Beach, FL 32407

  SHORT TERM RENTALS ALLOWED FOR THIS UNIT in Nautilus Cove. A charming coastal retreat in the heart of Panama City Beach. This well-maintained ground floor unit features an open living area, spacious kitchen, and inviting bedrooms designed for comfort. Enjoy the community's resort-style amenities including a sparkling pool, tennis courts, clubhouse, and beautifully landscaped grounds. Perfectly

  Angela Hale ERA Neubauer Real Estate, Inc

  505 Lighthouse Rd, Panama City Beach, FL 32407
• 

  

  /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
• 

  

  /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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  /56

  $185,000

  • 2 Beds
  • 2.5 Baths
  • 1,253 Sq Ft

  2105 Avensong Ln Unit 106, Panama City Beach, FL 32408

  Come live your best life near the beach in this beautifully maintained 2-bedroom, 2.5-bath townhome offering the perfect blend of comfort, convenience, and resort-style living. Each bedroom features its own ensuite bathroom on the second floor, including a spacious primary suite with a walk-in closet, double vanities, and abundant storage. The first floor includes the main living and dining

  Kristina Briscoe Keller Williams Success Realty

  2105 Avensong Ln Unit 106, Panama City Beach, FL 32408
• 

  

  /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
• 

  

  /15

  $165,000

  • 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, recreational

  Lula Poston Keller Williams Success Realty

  1705 Cincinnati Ave, Panama City, FL 32401
• 

  

  /19

  $182,000

  • 2 Beds
  • 2 Baths
  • 1,184 Sq Ft

  1210 Stephen 1 Dr Unit 1, Panama City, FL 32405

  Now offering $5k closing cost assistance with acceptable offers!Charming 2BR/2BA End-Unit Townhome in the Heart of Panama City - No HOA!Welcome to 1210 Stephen Drive -- a well-maintained and affordable 2-bedroom, 2-bathroom townhome located on a quiet street in central Panama City. This end unit offers added privacy and natural light, making it a comfortable and inviting place to call home.Enjoy

  Matthew Wright Think Real Estate

  1210 Stephen 1 Dr Unit 1, Panama City, FL 32405
• 

  

  /27

  $179,000

  • Studio
  • 1 Bath
  • 330 Sq Ft

  14401 Front Beach Rd Unit 209, Panama City Beach, FL 32413

  Welcome to unit 209 at the Fontainebleau Terrace. A charming beachfront studio offering stunning views of the Gulf of Mexico's white sandy beaches. Situated on the second floor of the building's west side which means you will experience amazing sunset views right from your own private oasis. This unit is also the closest unit to the elevator which makes loading and unloading your beach gear a

  Matt Keaton Counts Real Estate Group Inc

  14401 Front Beach Rd Unit 209, Panama City Beach, FL 32413
• 

  

  /20

  $184,000

  • Studio
  • 1 Bath
  • 330 Sq Ft

  14401 Front Beach Rd Unit 206, Panama City Beach, FL 32413

  Fontainebleau Terrace is a historic beachfront condominium complex located in the heart of Panama City Beach. This beach front studio condo allows direct access to stunning white sandy beaches that Panama City Beach is known for. This property includes a seasonally heated pool; owners lounge with fully equipped kitchen, on site parking and some of the best views that Panama City Beach has to

  Matt Keaton Counts Real Estate Group Inc

  14401 Front Beach Rd Unit 206, Panama City Beach, FL 32413
• 

  

  /126

  $179,000

  • 2 Beds
  • 2.5 Baths
  • 1,343 Sq Ft

  136 Georgetown Ave Unit 2F, Inlet Beach, FL 32461

  ALL NEW PHOTOS!!The Private Residence Club (PRC) condos in Rosemary Beach, features a fractional ownership opportunity, providing all of the benefits of owning a luxury home, without the costs and responsibilities as you would have with a single family second home. Enjoy all the resort style living benefits at your fingertips, in the highly sought after community of Rosemary Beach.

  Karen Oliver Rosemary Beach Realty LLC

  136 Georgetown Ave Unit 2F, Inlet Beach, FL 32461

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