Bay County FL Homes under $200,000

• 

  

  

  /15

  $187,900

  $18K PRICE DROP

  • 2 Beds
  • 1 Bath
  • 1,680 Sq Ft

  125 N Kimbrel Ave, Panama City, FL 32404

  This Florida cottage offers unbeatable convenience!! With 2 Extra Large bedrooms, 1 Bath, Big back yard, Covered 2 car carport, and Cozy interior design you are perfectly situated for shopping, dining, and enjoying the world-famous sugar-white sand of Panama City Beach!! Military families will enjoy the quick, easy commute to Tyndall Air Force Base.

  Angel Cronic eXp Realty, LLC

  125 N Kimbrel Ave, Panama City, FL 32404
• 

  

  /2

  $125,000

  • Land
  • 5,227 Sq Ft
  • $1,041,667 per Acre

  5319 Hopetown Ln, Panama City, FL 32408

  Beautiful lot in the gated community of Martinique which is known for its premier location to sandy white beaches and embracing the Florida lifestyle. You'll love this vibrant community with a pool, dock, basketball courts, trails, and playground.

  Lori Logue VCFL Realty LLC

  5319 Hopetown Ln, Panama City, FL 32408
• 

  

  

  /17

  $140,000

  • 2 Beds
  • 2 Baths
  • 1,056 Sq Ft

  6534 Buckingham Rd, Youngstown, FL 32466

  Peaceful and affordable living at this maintained home in Bayou George. With 2 bedrooms and 2 bathrooms the home is comfortable to live in. There is a porch attached with an overhang to sit and enjoy the nature with an attached carport large enough for 2 vehicles. The acre has been meticulously maintained and cleared for enjoyment with a pond area and walkover. There is a shed on the property to

  Coralee King Real Broker LLC

  6534 Buckingham Rd, Youngstown, FL 32466
• 

  

  

  /11

  $145,000

  $5K PRICE DROP

  • Land
  • 1.06 Acres
  • $136,792 per Acre

  750 West St, Panama City, FL 32404

  Aerial photos are coming!! This listing includes TOTAL 5 LOTS. All 5 parcel IDs are listed under legal description.Exceptional Investment Opportunity in Parker presents a truly prime development spot, featuring five construction - ready lots specifically designed to create a dead-end small community. The significant advantage of this property is that all necessary grading has been completed,

  Kat Tomlinson Top Producers Real Estate Group

  750 West St, Panama City, FL 32404
• 

  

  /2

  $189,500

  • Land
  • 27,878 Sq Ft
  • $296,094 per Acre

  4224 Wood Duck Cove, Southport, FL 32409

  Welcome to Cedar Creek at Deerpoint Lake. This community is tucked away in a natural setting boasting the large pavilion for picnics or parties, an outdoor catering kitchen and a large pool next to the playground with updated play equipment. There is a nicely decorated clubhouse for your private gatherings, events or roasting marshmallows over the open fire pit out back. Interior lots start at

  Kingslee Chamberlain Gulf Life Real Estate Inc

  4224 Wood Duck Cove, Southport, FL 32409
• 

  

  /5

  $159,900

  • Land
  • 9,583 Sq Ft
  • $726,818 per Acre

  300 Hatley Dr, Mexico Beach, FL 32456

  Bring your builder and your blueprints... this building lot is the perfect location to build your coastal dream home. Situated at the end of a quiet, dead end street with great neighbors and easy access to the sugar white beaches of the Gulf of Mexico! No HOA fees, paid sewer and water tap fees and possible view from elevated home. Call today for all the details.

  Sheryl Bradley Beach Realty of Cape San Blas, Inc. - Branch

  300 Hatley Dr, Mexico Beach, FL 32456
• 

  

  /12

  $200,000

  $1K PRICE INCREASE

  • Land
  • 1.35 Acres
  • $148,148 per Acre

  00 Highway 231, Panama City, FL 32404

  Discover the ideal setting for your next business venture on HWY 231, where an impressive 29,500 vehicles travel daily, according to the 2024AADT. Property photos provide a quick visual reference for these substantial traffic counts, highlighting the exceptional visibility and exposure available. With over 1.3 acres of prime commercial real estate, this location offers outstanding advertising

  Melany Hathcock Keller Williams Success Realty

  00 Highway 231, Panama City, FL 32404
• 

  

  /3

  $130,000

  • Land
  • 10,890 Sq Ft
  • $520,000 per Acre

  22229 Inlet Beach Ct, Panama City Beach, FL 32413

  Come check out this 0.25 acre lot located near Panama City Beach! Build your dream home or beach getaway on this spacious lot located on a cul-de-sac within minutes of the gulf & beach access. The property has full rights to Lake Powell Park, which include amenities such as a boat ramp, playground and picnic areas. The lot is located within a mile of the Publix at Ocean Park & public beach

  Julia Holmes Rob Brooks Realty

  22229 Inlet Beach Ct, Panama City Beach, FL 32413
• 

  

  /7

  $150,000

  • Land
  • 30,056 Sq Ft
  • $217,391 per Acre

  00 Maryland Ave, Lynn Haven, FL 32444

  Great opportunity to own a residential lot in Lynn Haven! This spacious lot is ready for you to build and is situated in a desirable area. Whether you are looking to build your primary residence, or you are a builder or investor looking for your next project, this one is worth a look. The seller has 6 additional parcels available on this street that may be purchased together, offering added

  Haley Dileva Coldwell Banker Realty

  00 Maryland Ave, Lynn Haven, FL 32444
• 

  

  /8

  $195,000

  $4K PRICE DROP

  • Land
  • 9.13 Acres
  • $21,358 per Acre

  11922 Tammy Pitts Rd, Fountain, FL 32438

  Unlock the potential of this 9 acre parcel located in northern Bay County (Fountain).This property currently zoned Agriculture could be rezoned Commercial 3 with additional purchase of 17135 Hwy 231 (CPAR MLS#765993) and outstanding flexibility for investors, developers or business owners seeking high visibility commercial expansion. Ideal for retail, mixed use development, service business

  Merrie Allen Anchor Realty Florida

  11922 Tammy Pitts Rd, Fountain, FL 32438
• 

  

  /10

  $160,000

  • 2 Beds
  • 1 Bath
  • 766 Sq Ft

  139 N Larry Dr, Panama City, FL 32404

  Remodeled 2BR/1BA home near Tyndall Air Force Base. Interior features modern updates throughout, offering a clean and functional living space. Convenient location close to schools, shopping, dining, and grocery stores. Property is tenant-occupied, great investment opportunity with immediate income potential. Exterior includes a large yard, carport, covered front porch, and storage shed.

  Shaunnah Whitely Realty One Group Emerald Coast

  139 N Larry Dr, Panama City, FL 32404
• 

  

  /8

  $150,000

  • Land
  • 21,780 Sq Ft
  • $300,000 per Acre

  113 Carolina Ave, Lynn Haven, FL 32444

  Two quarter acre lots separated and ready to build! Discover the perfect spot to build your dream home. This prime piece of property offers an unbeatable combination of natural beauty and convenient access to all the amenities and attractions this charming city has to offer. Ideal Location: Nestled just one block from the Bay, this lot provides the tranquility of waterfront living while being

  Zachary Murzyn Secure Real Estate

  113 Carolina Ave, Lynn Haven, FL 32444
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  /2

  $184,500

  • Land
  • 1.23 Acres
  • $150,000 per Acre

  2011 Harrison Ave, Panama City, FL 32405

  1.2 Acre Parcel in the heart of Panama City. Zoned GC-2 allows for a vast range of uses including retail centers, shopping malls, vehicle sales/service, professional offices, and warehousing.

  Cory Herrman Counts Real Estate Group Inc

  2011 Harrison Ave, Panama City, FL 32405
• 

  

  /8

  $182,900

  New Construction

  • 2 Beds
  • 2 Baths
  • 906 Sq Ft

  3201 E 2nd Place, Panama City, FL 32401

  Recently repositioned to a highly competitive price, this newly completed duplex unit offers exceptional value for both investors and first-time homebuyers. Price reflects one individual unit (one side of the duplex). Each unit has its own separate parcel, utilities, and individual ownership structure. Featuring 2 bedrooms, 2 bathrooms, plus a flexible bonus room ideal for an office, nursery,

  Patricia Rodrigues Alves CostaBella Real Estate, LLC

  3201 E 2nd Place, Panama City, FL 32401
• 

  

  /10

  $195,000

  • 3 Beds
  • 2 Baths
  • 1,416 Sq Ft

  1210 Stephen Dr Unit 2, Panama City, FL 32405

  Conveniently located in the heart of Panama City, this beautifully updated townhome offers affordable living with comfort and convenience. Ideal for first-time homebuyers, college students, or growing families, the property is just minutes from local hospitals, shopping, dining, and nearby college campuses. This move-in-ready home features 3 spacious bedrooms and 2.5 bathrooms, along with

  Hope Abbott Turner Keller Williams Realty Emerald

  1210 Stephen Dr Unit 2, Panama City, FL 32405
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  /7

  $114,000

  • Land
  • 21,780 Sq Ft
  • $228,000 per Acre

  425 Maine Ave, Panama City, FL 32401

  Prime Commercial Opportunity Near Watson Bayou - Cleared Corner Lot in Central Millville Business District Strategically situated at a busy intersection with dual road frontage, the site benefits from excellent accessibility and exposure, boasting a high daily traffic count of 21,500 vehicles (FDOT, 2017). This makes it an ideal location for businesses seeking maximum visibility and customer

  Mike Herring Keller Williams Realty SRB

  425 Maine Ave, Panama City, FL 32401
• 

  

  /18

  $150,000

  • Land
  • 9,583 Sq Ft
  • $681,818 per Acre

  621 Malaga Place, Panama City Beach, FL 32413

  Step into coastal opportunity with this prime .22 of an acre lot at 621 Malaga Place—a tranquil street in Sand Dollar Estates. Just blocks from the Gulf and beach access, this parcel offers endless potential: build your dream beach home, vacation rental, or custom retreat in a no‑HOA neighborhood. The lot features an easy circular street and ample space for outdoor living, a pool, or RV

  John Moran Keller Williams Realty Destin

  621 Malaga Place, Panama City Beach, FL 32413
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  /14

  $139,000

  $46K PRICE DROP

  • 3 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 3 bedrooms 1 bath, screened porch but home is in need of repairs.Endless possibilities with a great location in Highland Park close to 231, Lynn

  Susan Tucker Hitchcock Real Estate LLC

  Unlisted Address
• 

  

  /5

  $198,500

  • Land
  • 13,939 Sq Ft
  • $620,312 per Acre

  238 Escanaba Ave, Panama City Beach, FL 32413

  Recently bushhogged, this lot has been cleared of all the excess foliage and is ready for your new home design. Located just 1/2 mile to the new hospital on Hwy 79, and just 1 mile to Pier Park, this lot is larger than most. At 70' wide and 200' deep, you will have room for your new home, pool, RV, and storage shed. Just imagine the possibilities. Call your builder today. All meas. are approx.

  Richard Gheesling AMERICAN REALTY of Bay Co, Inc

  238 Escanaba Ave, Panama City Beach, FL 32413
• 

  

  /9

  $189,900

  $10K PRICE DROP

  • Land
  • 11,325 Sq Ft
  • $730,385 per Acre

  171 Heather Dr, Panama City Beach, FL 32413

  Build your coastal vision just minutes from Panama City Beach. Versatile vacant property offering the option to use as two individual lots or one larger homesite, located just minutes from Panama City International Airport and Panama City Beach. The property features paved road access, utilities nearby, and is located outside of a flood zone, making it well suited for a variety of residential

  Shaunnah Whitely Realty One Group Emerald Coast

  171 Heather Dr, Panama City Beach, FL 32413
• 

  

  /25

  $140,000

  $20K PRICE DROP

  • 4 Beds
  • 1 Bath
  • 1,152 Sq Ft

  604 Barton Ave, Panama City, FL 32404

  Fixer Upper. Sturdy water tight block home. This 4 bedroom 1 bath ranch home is ready to be updated. It has a large screened patio, that needs to be redone. There's also a large storage shed with electric. The property has a nice large yard. With some sweat equity this home is ready for new owners.

  Catrina Raevens Anchor Realty Florida

  604 Barton Ave, Panama City, FL 32404
• 

  

  /28

  $140,000

  • 4 Beds
  • 3 Baths
  • 1,776 Sq Ft

  3110 B St, Panama City, FL 32404

  Spacious 4 bedroom, 3 bath home with an open floor plan sitting on a huge corner lot just over 3/4 of an acre. Located only about 20 minutes from Panama City Beach, you get the perfect mix of space and convenience. Enjoy a fully covered front porch, privacy trees lining the front of the property, and a partially fenced yard with plenty of room to spread out. Out back you'll find a 20x20 shed for

  Kelly Flanagan Keller Williams Success Realty

  3110 B St, Panama City, FL 32404
• 

  

  /3

  $190,000

  New Construction $20K PRICE INCREASE

  • 2 Beds
  • 2 Baths
  • 933 Sq Ft

  1116 Mercedes Ave Unit C, Panama City, FL 32401

  Step inside this brand-new townhome at 1116 Mercedes Ave in Panama City and enjoy modern living just minutes from the coast. Offering nearly 1,000 square feet of thoughtfully designed space, this home features a bright living and dining area, a contemporary kitchen, two bedrooms, two full bathrooms, and a convenient laundry area. A private driveway provides dedicated parking, and the fresh

  JAMIE KITZMILLER Think Real Estate

  1116 Mercedes Ave Unit C, Panama City, FL 32401
• 

  

  /18

  $170,000

  • 1 Bed
  • 1 Bath
  • 540 Sq Ft

  5505 Sun Harbor Rd Unit 217, Panama City, FL 32401

  SHORT TERM RENTALS ALLOWED!! Waterfront living at an amazing price. This 2nd floor condo offers breathtaking views of the bay, with direct access to the gulf. Spend your days boating or relaxing in the pool, treat yourself to delicious meals at the new restaurant coming soon and enjoy the serenity of the water view and the beauty of the sunset every evening from your balcony. This unit has a new

  Jessica Kittley World Impact Real Estate

  5505 Sun Harbor Rd Unit 217, Panama City, FL 32401
• 

  

  /37

  $179,000

  $6K PRICE DROP

  • 3 Beds
  • 2 Baths
  • 1,344 Sq Ft

  3943 Cedar Bluff Rd, Panama City, FL 32409

  BACK ON MARKET!! FRESHLY PAINTED & NEW ROOF IN 2026!! Start your homeownership journey right here in Southport, FL. Located in the established Cedar Bluff community, this well maintained 3 bedroom, 2 bathroom manufactured home sits on approximately .86 acres and offers the space, privacy, and flexibility so many buyers are searching for. With 1,344 square feet of living space and a new roof

  Savannah Shand Empire Real Estate of Florida LLC

  3943 Cedar Bluff Rd, Panama City, FL 32409
• 

  

  /8

  $114,900

  $44K PRICE DROP

  • Land
  • 4.16 Acres
  • $27,620 per Acre

  14737 Bream Pond Rd, Southport, FL 32409

  Rare opportunity to own a 4.16-acre waterfront homesite in the northern part of Bay County, Florida, conveniently located near Highway 20 and Highway 77 just south of Washington County. This unique property consists of two side-by-side parcels, offering added flexibility, privacy, and long-term potential. The property features a pie-shaped layout with the majority of the buildable area located

  Raymond Williams PA Think Real Estate

  14737 Bream Pond Rd, Southport, FL 32409
• 

  

  /31

  $199,500

  • Land
  • 36,154 Sq Ft
  • $240,361 per Acre

  9900 Summer Creek Dr, Cedar Creek, FL 32409

  Welcome to Cedar Creek at Deerpoint Lake. This community is tucked away in a natural setting boasting the large pavilion for picnics or parties, an outdoor catering kitchen and a large pool next to the playground with updated play equipment. There is a nicely decorated clubhouse for your private gatherings, events or roasting marshmallows over the open firepit out back. Interior lots start at

  Kingslee Chamberlain Gulf Life Real Estate Inc

  9900 Summer Creek Dr, Cedar Creek, FL 32409
• 

  

  /42

  $199,900

  $25K PRICE DROP

  • 1 Bath
  • 330 Sq Ft

  14401 Front Beach Rd Unit 307, Panama City Beach, FL 32413

  0BR/1BA condo in Fontainebleau Terrace in Panama City Beach. Renovated 3rd-floor unit with Gulf views and 2024 HVAC updates. Completely remodeled and located adjacent to the private Bid-A-Wee Beach area, Unit 307 offers 330 square feet of efficiently designed living space with a king bed plus a pull-out sofa to accommodate up to 4 guests. This unit has been owner-use only with no rental history

  Greg Taylor Counts Real Estate Group Inc

  14401 Front Beach Rd Unit 307, Panama City Beach, FL 32413
• 

  

  /17

  $165,000

  • 4 Beds
  • 2 Baths
  • 1,930 Sq Ft

  1613 Arthur Ave, Panama City, FL 32405

  Don't miss this opportunity to own right in the middle of Panama City, in St Andrews area, and only 13 minutes to the beaches. St. Andrews is vibrant with restaurants, businesses, marina, etc and this home is just as convenient to downtown and all that is offered. There are 4 bedrooms and 2 full baths, with a 3rd bath that has been gutted and is ready for remodel. The back yard is partially

  Cathy Jones Overstreet Realty

  1613 Arthur Ave, Panama City, FL 32405
• 

  

  /24

  $150,000

  • 4 Beds
  • 2 Baths
  • 1,560 Sq Ft

  6720 Olokee St, Panama City, FL 32404

  Perfectly maintained 4Bd/ 2Ba 1,560 SqFt 2009 home for sale. Ample of natural light, modern flooring throughout the house, spacious kitchen, washer and dryer hook up, good size shed on the fenced in back yard. Convenient location close to everything for affordable price. Flood zone X, which means flood insurance is not required. Call today to schedule a showing!

  Maxim Sedov Keller Williams Success Realty

  6720 Olokee St, Panama City, FL 32404
• 

  

  /16

  $145,000

  $24K PRICE DROP

  • Land
  • 12,196 Sq Ft
  • $517,857 per Acre

  107 Henry Ave, Panama City Beach, FL 32413

  Uncover the unique opportunity at 107 Henry Avenue, a rare vacant lot in the heart of Panama City Beach, FL, listed at $169,000. This generously sized parcel offers the ideal foundation to craft your dream coastal home, whether as a primary residence, vacation retreat, or smart investment. Larger than typical lots in the area, it allows for expansive floorplans and outdoor living spaces. Located

  Kelly Jenkins Corcoran Reverie

  107 Henry Ave, Panama City Beach, FL 32413
• 

  

  /24

  $180,000

  • 2 Beds
  • 1.5 Baths
  • 1,204 Sq Ft

  6519 Pridgen St, Panama City, FL 32404

  Charming Townhome with Private Yard Near Tyndall AFB! Welcome home to this beautifully maintained 2-bedroom, 1.5-bath townhome offering comfort, convenience, and excellent value. Ideally located near shopping, dining, schools, and Tyndall Air Force Base, this property is perfect for a starter home, downsizing opportunity, or investment property.Inside, you'll find a bright and inviting layout

  Eva Mullins Coldwell Banker Realty

  6519 Pridgen St, Panama City, FL 32404
• 

  

  /11

  $125,000

  • 3 Beds
  • 1 Bath
  • 1,296 Sq Ft

  330 N Highway 22 A, Callaway, FL 32404

  Investment opportunity for this 3 bedroom 1 bath Callaway home located just minutes from the Tyndall Parkway corridor, shopping and dining. This property features a 3 bedroom 1 bath home in need of remodeling along with a 20x20x9 shop/garage with two 8x7 roll up doors built in 2023 all sitting on a 100x132 lot. If measurements are important, please verify.

  Ricky Ingram Solis Real Estate of Florida

  330 N Highway 22 A, Callaway, FL 32404
• 

  

  /18

  $189,999

  $10K PRICE DROP

  • 1 Bed
  • 1 Bath
  • 580 Sq Ft

  6909 N Lagoon Dr Unit F3, Panama City, FL 32408

  Bright ground-floor 1BR/1BA in the gated, waterfront community of Dockside North on Grand Lagoon. Community boat dock and slips!! This unit offers direct access to the pool from a spacious private patio and includes designated parking right in front. The kitchen is ready for a new owner's vision--quartz countertops are already onsite, cabinets can be selected, and it's an ideal opportunity to

  Cindy Hamre Coastal Choice Realty LLC

  6909 N Lagoon Dr Unit F3, Panama City, FL 32408
• 

  

  /21

  $185,000

  • 1 Bed
  • 1 Bath
  • 750 Sq Ft

  2100 W Beach Dr Unit B202, Panama City, FL 32401

  Relax and enjoy your quiet courtyard view from this second floor one bedroom condo in the Waterfront community of Landmark Condominiums. Updates include a fully remodeled bathroom with walk in shower, kitchen cabinets, countertops and appliances. Fully furnished and move in ready! Experience easy living with access to two pools, a dock, private beach, fitness room and clubhouse with a pavilion.

  Savannah Hamilton Paradise Properties of NW Florida

  2100 W Beach Dr Unit B202, Panama City, FL 32401
• 

  

  /36

  $147,000

  $3K PRICE DROP

  • 1 Bed
  • 1 Bath
  • 400 Sq Ft

  4114 Holiday Dr Unit 18, Panama City, FL 32408

  Discover one of the best beachside values in Panama City Beach—a rental-ready studio just steps from the sand. Located in Sand Castle Villas, this beautifully maintained and fully furnished studio condo is truly turnkey and ready to generate income from day one. With custom built-in loft beds, a luxury main sleeping area, and a smart, space-efficient layout, making it especially attractive for

  Cindy Shoemaker Christies International Real Estate Emerald Coast

  4114 Holiday Dr Unit 18, Panama City, FL 32408
• 

  

  /14

  $182,900

  New Construction $32K PRICE DROP

  • 3 Beds
  • 2 Baths
  • 902 Sq Ft

  3207 E 2nd Place, Panama City, FL 32401

  🔥 PRICE REPOSITIONED - EXCEPTIONAL OPPORTUNITY 🔥 Recently repositioned to a highly competitive price, this brand-new 3BR/2BA home offers exceptional value for both investors and first-time homebuyers. Price reflects one unit (half duplex). Whether for a primary residence or rental investment, this property delivers new construction quality at a price point rarely seen in today's

  Patricia Rodrigues Alves CostaBella Real Estate, LLC

  3207 E 2nd Place, Panama City, FL 32401
• 

  /2

  $129,900

  • Land
  • 17,424 Sq Ft
  • $324,750 per Acre

  0000 Drummond Ave, P C Beach, FL 32401

  Great location for Business!! Convenient, centrally located and easily accessible. Two huge side be side lots just off 15th Street. Zoned Mixed use. The possibilities are endless. Wooded and not in a flood zone. Priced to sell quick!!

  Alicia Hartline CENTURY 21 Ryan Realty Inc

  0000 Drummond Ave, P C Beach, FL 32401
• 

  

  /31

  $199,500

  • Land
  • 35,283 Sq Ft
  • $246,296 per Acre

  9886 Summer Creek Dr, Cedar Creek, FL 32409

  Welcome to Cedar Creek at Deerpoint Lake. This community is tucked away in a natural setting boasting the large pavilion for picnics or parties, an outdoor catering kitchen and a large pool next to the playground with updated play equipment. There is a nicely decorated clubhouse for your private gatherings, events or roasting marshmallows over the open firepit out back. Interior lots start at

  Kingslee Chamberlain Gulf Life Real Estate Inc

  9886 Summer Creek Dr, Cedar Creek, FL 32409
• 

  

  /17

  $185,000

  • 2 Beds
  • 1 Bath
  • 803 Sq Ft

  1301 Beck Ave Unit 17, Panama City, FL 32401

  Tucked into the heart of Historic St. Andrews, this thoughtfully remodeled 2-bedroom condo offers coastal living centered around simplicity, walkability, and everyday ease. Located moments from the marina, waterfront dining, and local shops, your new space blends modern functionality with a warm, curated aesthetic that feels more boutique retreat than traditional condo. Inside has been fully

  Rachel Stanfill Counts Real Estate Group Inc

  1301 Beck Ave Unit 17, Panama City, FL 32401

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