Bay County FL Homes under $400,000

• 

  

  

  /42

  $362,000

  • 4 Beds
  • 2 Baths
  • 1,867 Sq Ft

  268 Ryder Ln, Panama City, FL 32404

  RARE OPPORTUNITY! Assumable VA Loan at a 3.75% Interest Rate--save over $600/month compared to today's rates! This 2022-built 'Cali' model is priced at $362,000 with a manageable equity gap of approx. $26k. Pristine condition, smart home tech, and located in the sought-after Bridge Harbor community near Tyndall AFB. VA-eligible buyers with entitlement substitution preferred. Don't miss this

  Johanna Hoskins Realty One Group Emerald Coast

  268 Ryder Ln, Panama City, FL 32404
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  /26

  $380,000

  • 5 Beds
  • 3 Baths
  • 2,616 Sq Ft

  4777 Firefly Ln, Panama City, FL 32404

  This well-maintained home offers a functional open layout designed for comfortable everyday living. The main living areas feature durable vinyl flooring, while select bedrooms feature brand-new carpeting recently installed by the sellers, adding a fresh and comfortable feel to the home. The kitchen is centrally located and overlooks the living and dining areas, creating an inviting space for

  Jeronimo Drouet CENTURY 21 Commander Realty

  4777 Firefly Ln, Panama City, FL 32404
• 

  

  

  /42

  $350,000

  • 4 Beds
  • 2 Baths
  • 1,820 Sq Ft

  9121 S Burnt Mill Creek Rd, Southport, FL 32409

  Introducing 9121 Burnt Mill Creek Road, one of the most peaceful and serene settings in Bay County. Imagine sitting on the 700 square foot deck, overlooking Burnt Mill Creek, listenting the sounds of nature and watching Bald Eagles fly over!! This 4 bedroom, 2 bath home sits on a 3/4 acre lot and has been completely renovated, it needs NOTHING to move in and enjoy. The interior layout is what

  Jeff Payne Keller Williams Success Realty

  9121 S Burnt Mill Creek Rd, Southport, FL 32409
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  /38

  $385,000

  • 2 Beds
  • 2 Baths
  • 1,135 Sq Ft

  11800 Front Beach Rd Unit 2-104, Panama City Beach, FL 32407

  Discover the best of coastal living at Grand Panama Beach Resort. This beautifully furnished 2-bedroom, 2-bath plus bunk room condominium offers an exceptional blend of comfort, convenience, and strong investment potential with a proven rental track record. The thoughtfully designed interior features granite countertops, stainless steel appliances, and tile bathrooms, creating a stylish and

  Ramil Zartdinov Local Insight Realty

  11800 Front Beach Rd Unit 2-104, Panama City Beach, FL 32407
• 

  

  

  /20

  $374,909

  • 1 Bed
  • 1 Bath
  • 743 Sq Ft

  11347 Front Beach Rd Unit 1107, Panama City Beach, FL 32407

  Wake up to sunlit Gulf views and the sound of waves just beyond your balcony in this beachfront condo located within one of Panama City Beach's most sought-after resort communities. Positioned directly on the sand, this residence offers a front-row seat to emerald water, sugar-white beaches, and unforgettable sunsets that make the Emerald Coast famous. Inside, the layout is designed to maximize

  The Wheeler Sauls Collective Salty Marlin Realty LLC

  11347 Front Beach Rd Unit 1107, Panama City Beach, FL 32407
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  /26

  $359,900

  • 2 Beds
  • 1.5 Baths
  • 960 Sq Ft

  321 El Reposo Place, Panama City Beach, FL 32413

  If you've been dreaming of owning a place in Laguna Beach, this is an incredible opportunity. Situated on a 50 x 150 lot and zoned R-2 & connected to sewer. The property allows for two homes and short-term rentals, making it a great option for a beach getaway, investment property, or future build. With a little sweat equity, this home could easily become the perfect beach retreat. Laguna Beach is

  Kelli Sullivan Beachy Beach Real Estate

  321 El Reposo Place, Panama City Beach, FL 32413
• 

  

  /35

  $349,900

  • 2 Beds
  • 2 Baths
  • 1,772 Sq Ft

  2705 Country Club Dr, Lynn Haven, FL 32444

  Welcome to this beautifully renovated 2-bedroom, 2-bath townhome located in the highly sought-after Panama Country Club. Perfectly positioned just in front of the 6th tee box, this home offers scenic golf course views and a peaceful setting within one of the area's most desirable communities.Inside, you'll find thoughtful upgrades throughout. The main living areas feature large-scale tile

  Amanda Walker CENTURY 21 Commander Realty

  2705 Country Club Dr, Lynn Haven, FL 32444
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  /56

  $339,000

  • 2 Beds
  • 2 Baths
  • 1,254 Sq Ft

  520 N Richard Jackson Blvd Unit 2715, Panama City Beach, FL 32407

  Discover one of PCB's most desirable gated beach resorts! This exceptional, second floor, tennis villa is located in the exclusive Edgewater Resort. Nestled in a vibrant beach, tennis, and golf community this villa offers a seamless open concept, living dining & kitchen area perfect for both relaxation & entertaining. The split bedroom floor plan enhances privacy while the master bedroom & main

  Renata Morse Beachy Beach Real Estate

  520 N Richard Jackson Blvd Unit 2715, Panama City Beach, FL 32407
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  /35

  $369,900

  • 4 Beds
  • 2 Baths
  • 2,273 Sq Ft

  1502 Indiana Ave, Lynn Haven, FL 32444

  Welcome to 1502 Indiana Ave in Lynn Haven, FL - an updated, move-in-ready home with a 2021 post-Hurricane Michael renovation and a spacious layout designed for everyday living and entertaining. Located in the heart of Lynn Haven (Bay County), this property offers generous indoor living space, an open and functional floorplan, and a large yard with room for parking, a boat/RV, or a future pool.

  Eduardo Garcia Flores GF Real Estate

  1502 Indiana Ave, Lynn Haven, FL 32444
• 

  

  /34

  $375,000

  • Land
  • 0.76 Acre
  • $493,421 per Acre

  1536 Doty Cir, Panama City, FL 32404

  Coastal living dreams? Here's your chance to acquire a wonderful Waterfront property with Gulf access! This property consists of 2 parcels at approximately 3⁄4 of an acre, maybe more, situated on Emmons Bayou which leads directly to East Bay, then onto the Gulf! Amazing opportunity to make your Florida Salt Water dreams come true with approximately 160 ft waterfront on Emmons Bayou with water

  Deborah Class ERA Neubauer Real Estate, Inc

  1536 Doty Cir, Panama City, FL 32404
• 

  

  /39

  $339,900

  • 4 Beds
  • 2 Baths
  • 2,052 Sq Ft

  410 S Star Ave, Panama City, FL 32404

  Welcome to 410 S Star Ave in Panama City, FL 32404 - an updated home offering a strong combination of space, functionality, and location. Renovated after Hurricane Michael with improvements completed in 2021, this property provides a comfortable layout with multiple living areas, an updated kitchen and baths, and modern finishes that support an easy, move-in-ready lifestyle. The oversized yard

  Eduardo Garcia Flores GF Real Estate

  410 S Star Ave, Panama City, FL 32404
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  /44

  $395,000

  • 4 Beds
  • 2 Baths
  • 1,622 Sq Ft

  221 N Cove Blvd, Panama City, FL 32401

  New Price! New privacy fence on the back of the property! This property has so much to offer. Tons of possibilities. Schedule a showing soon! Welcome to a rare find in the heart of The Cove, where timeless charm meets exceptional opportunity. This distinguished corner-lot residence offers a unique blend of old-world character and modern-day comfort, set on an expansive parcel that invites endless

  Jolene Bryant Coastal Palms Real Estate

  221 N Cove Blvd, Panama City, FL 32401
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  /41

  $329,000

  • 4 Beds
  • 3 Baths
  • 2,270 Sq Ft

  7198 Hatteras Blvd, Panama City, FL 32404

  Welcome to 7198 Hatteras Blvd. This 4 bed/3 bath home is one-off floor plan in the neighborhood that offers space, flexibility, and a layout designed for modern living. This beautifully designed home features a wide open floor plan with 9' ceilings, creating a bright and spacious feel throughout the main living areas. The thoughtful layout offers the perfect balance of shared gathering space and

  Michael Johnson Keller Williams Success Realty

  7198 Hatteras Blvd, Panama City, FL 32404
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  /37

  $375,000

  • 3 Beds
  • 3 Baths
  • 1,467 Sq Ft

  4906 E 2nd St, Panama City, FL 32404

  Modern Farmhouse on a Corner Lot, walking Distance to the Boat Ramp! Stunning, thoughtfully designed with high-end finishes and exceptional craftsmanship. Offering 3 spacious bedrooms and 2 beautifully appointed bathrooms, plus a third additional full bathroom on back of the house area, this home features tile flooring throughout, creating a seamless and elegant flow from room to room. Step

  Jeannette LaPrade Coldwell Banker Realty

  4906 E 2nd St, Panama City, FL 32404
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  /2

  $350,000

  • 3 Beds
  • 2 Baths
  • 1,377 Sq Ft

  17627 Koerner Rd, Youngstown, FL 32466

  10 acres of peaceful bliss. A must see for the person that is looking for a quiet and relaxing area to live. Come see this Home and property.Contact agent today for more information. Seller has 5 acres adjoining the 10 acres that is being sold separately that would be a nice addition to these 10 acres for a total of 15 acres. all measurements of land and home, should be verified by buyer.

  Mark Johnston Coldwell Banker Realty

  17627 Koerner Rd, Youngstown, FL 32466
• 

  

  /22

  $329,900

  • 3 Beds
  • 2 Baths
  • 1,928 Sq Ft

  4831 Mccall Ln, Panama City, FL 32404

  SPACIOUS BRICK HOME IN CHEROKEE HEIGHTS! This 3-bedroom, 2-bath home offers over 1,900 square feet of comfortable living space with a functional layout and abundant natural light throughout. The living room features a vaulted ceiling and fireplace, creating a bright and open gathering space. The kitchen is designed for both everyday living and entertaining, offering an island, breakfast bar,

  Kelli Garrett CENTURY 21 Commander Realty

  4831 Mccall Ln, Panama City, FL 32404
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  /14

  $304,900

  • 3 Beds
  • 2.5 Baths
  • 1,432 Sq Ft

  152 Seagrass Way, Panama City Beach, FL 32407

  Beautifully Furnished Palm Cove Home - Only 1.5 Miles to the Beach! Short-Term Rentals AllowedWhere else in this price range can you find a beautifully furnished 3-bedroom, 2.5-bath home just 1.5 miles from the beach? This styled coastal property is move-in ready and perfect as a primary residence, vacation home, or investment property.The home backs up to a peaceful neighborhood green

  Denis Rakov Beachy Beach Real Estate

  152 Seagrass Way, Panama City Beach, FL 32407
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  /34

  $359,000

  • 2 Beds
  • 2 Baths
  • 864 Sq Ft

  17670 Front Beach Rd Unit A7, Panama City Beach, FL 32413

  CLOSEST BUILDING TO THE GULF IN SOUTHWIND. This one has great GULF VIEWS, sitting right at your front porch. Upgraded and updated inside. Currently a vacation rental and conveys FULLY FURNISHED and RENTAL READY. Upstairs loft is open and airy. Vaulted ceiling. COMMUNITY POOL & PICKLEBALL COURT.

  Gabriel Stephani Pineapple Properties

  17670 Front Beach Rd Unit A7, Panama City Beach, FL 32413
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  /48

  $350,000

  • 1 Bed
  • 1 Bath
  • 792 Sq Ft

  50 Gulf Loop, Panama City, FL 32408

  Welcome to the laid-back coastal lifestyle of Venture Out, one of the most sought-after, golf cart friendly, gated communities along the Gulf Coast. This charming 1 bedroom, 1 bath beach cottage offers an excellent opportunity to enjoy an affordable getaway just steps from the Gulf of Mexico while also benefiting from the strong vacation rental appeal the community is known for. This

  David & Kelli Sims Sims Resort Realty, Inc

  50 Gulf Loop, Panama City, FL 32408
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  /34

  $399,000

  • 1 Bed
  • 2 Baths
  • 1,103 Sq Ft

  15928 Front Beach Rd Unit 3-605, Panama City Beach, FL 32413

  Gulf-view condo in one of Panama City Beach's newest towers, ideally positioned steps from Pier Park's dining, shopping, and entertainment. This spacious 1-bedroom residence with bunk alcove offers over 1,100 square feet of well-designed living space, an unusually large layout for a one-bedroom condominium. The open kitchen and living area extend to an oversized balcony where sweeping Gulf views

  Joan Winchell Berkshire Hathaway HomeServices Beach Properties of Florida

  15928 Front Beach Rd Unit 3-605, Panama City Beach, FL 32413
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  /14

  $315,000

  • 3 Beds
  • 2.5 Baths
  • 1,840 Sq Ft

  5333 Cherry St, Panama City, FL 32404

  2 Story .... newly constructed townhouse ... 1 of 5 townhouse units .... would consider selling all 5 at a discounted price.

  Stephen Hachey Lowest Fee Realty LLC

  5333 Cherry St, Panama City, FL 32404
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  /27

  $354,000

  • 1 Bed
  • 1 Bath
  • 745 Sq Ft

  9450 S Thomas Dr Unit 2105D, Panama City, FL 32408

  THE LOWEST PRICED UNIT IN BOARDWALK BEACH RESORT AS OF 3/4/26! Welcome to your slice of paradise on the white sands of Panama City Beach! This beautiful 1 bedroom, 1 bathroom gulf-front condo at the highly sought-after Boardwalk Resort offers breathtaking, unobstructed views of the emerald waters right from your private balcony.Perfectly located, you'll be just steps from popular attractions

  Brittany Whittaker Beachy Beach Real Estate

  9450 S Thomas Dr Unit 2105D, Panama City, FL 32408
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  /56

  $365,000

  • 2 Beds
  • 2 Baths
  • 1,208 Sq Ft

  2315 Lavender Cir, Panama City, FL 32405

  Welcome to 2315 Lavender Circle, a beautifully crafted Samuel Taylor home featuring the highly sought-after low-maintenance lock-and-leave floor plan located in the heart of Panama City's premier master-planned community, SweetBay. This 2 bedroom, 2 bathroom home offers the perfect blend of quality construction, modern comfort, and neighborhood charm.These cottages are perfect if you're ready

  Zacarias Sanchez Think Real Estate

  2315 Lavender Cir, Panama City, FL 32405
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  /5

  $392,900

  • Land
  • 2 Acres
  • $196,450 per Acre

  00 15th St, Panama City, FL 32405

  Location! Location! This Commercial Property is next to the Subway Shop on Tyndall Parkway Highway 98 with high visibility and superb daily traffic count. Excellent for a Commercial Retail, Office etc. Priced right and ready to sell.

  Marco Cooper Coastal Sun Realty LLC

  00 15th St, Panama City, FL 32405
• 

  

  /20

  $395,000

  • 4 Beds
  • 3 Baths
  • 2,030 Sq Ft

  3836 Redbud Way, Panama City, FL 32404

  This beautiful 4-bedroom, 3-bath home with a 2-car garage is move-in ready and packed with upgrades! Enjoy features like granite countertops, luxury vinyl plank (LVP) flooring, elegant archways, a sprinkler system, fully sodded yard, professional landscaping, and a garage door opener--just to name a few. Experience the difference with Adams Homes in this fantastic College Station community in

  Chris Shelton Beachy Beach Real Estate

  3836 Redbud Way, Panama City, FL 32404
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  /28

  $399,999

  • 3 Beds
  • 2 Baths
  • 1,282 Sq Ft

  610 Dolphin Dr, Panama City Beach, FL 32413

  Welcome to this beautifully updated 3BR/2BA home located on the desirable West End of Panama City Beach. With no HOA and short term rentals are allowed, this property offers excellent flexibility as a primary residence, second home, or investment opportunity. Less than a 10 minute walk to the sugar white sands and emerald waters of the Gulf of Mexico, this home combines coastal convenience with

  Christine Stallings Counts Real Estate Group Inc

  610 Dolphin Dr, Panama City Beach, FL 32413
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  /8

  $395,000

  • 3 Beds
  • 2 Baths
  • 1,320 Sq Ft

  5422 E Highway 22, Panama City, FL 32404

  Charming Fully Renovated 3-Bedroom, 2-Bathroom Home for Sale Step into this beautifully remodeled home where everything is brand new. Enjoy a modern, open-concept layout featuring new flooring throughout, freshly updated walls, and stylish finishes in every room. The kitchen is equipped with brand-new appliances, offering a sleek and functional space perfect for cooking and entertaining. Both

  Will Pender Keller Williams Success Realty

  5422 E Highway 22, Panama City, FL 32404
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  /36

  $350,000

  • 3 Beds
  • 2 Baths
  • 1,534 Sq Ft

  6333 Rasch Rd, Panama City, FL 32404

  Nestled at the end of a quiet cul-de-sac on an expansive .587-acre homesite, this charming 3-bedroom, 2-bath ranch offers the perfect balance of privacy and convenience. Tucked alongside a serene wetlands preserve, you'll enjoy peaceful evenings, abundant wildlife, and beautiful natural surroundings -- all while being just 15-20 minutes from town and offering easy access to the

  Athrine Matthews People 1st Real Estate, LLC

  6333 Rasch Rd, Panama City, FL 32404
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  /15

  $395,000

  • 1 Bed
  • 2 Baths
  • 1,074 Sq Ft

  15928 Front Beach Rd Unit 3-409, Panama City Beach, FL 32413

  Call the owner for showings

  Stephen Hachey Lowest Fee Realty LLC

  15928 Front Beach Rd Unit 3-409, Panama City Beach, FL 32413
• 

  

  /36

  $345,000

  • 3 Beds
  • 2 Baths
  • 1,501 Sq Ft

  2205 E 12th St, Lynn Haven, FL 32444

  Rare opportunity to own a spacious 0.42-acre property in the highly desirable College Point area of Lynn Haven. Homes with this much land in town are hard to find, making this property a standout for buyers looking for room to roam without sacrificing location. This 3-bedroom, 2-bath home was previously remodeled, including a new roof and HVAC system, offering both modern style and long-term

  Tyler Smith Legacy Premier Agency LLC

  2205 E 12th St, Lynn Haven, FL 32444
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  /32

  $325,000

  • 4 Beds
  • 2 Baths
  • 1,705 Sq Ft

  307 N Palo Alto Ave, Panama City, FL 32401

  This historic home blends classic charm and contemporary comfort. A quick golf cart ride to PC downtown, the Yacht Club, and waterside views makes it an ideal location. The hardwood floors give warmth throughout, and the updates give a new spin on the homes character. Buyers can have peace of mind knowing the electrical, plumbing, A/C, and windows were recently renovated, and the block

  Ariane Johnson Think Real Estate

  307 N Palo Alto Ave, Panama City, FL 32401
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  /17

  $331,000

  • 3 Beds
  • 2 Baths
  • 1,510 Sq Ft

  175 Hill Dr, Callaway, FL 32404

  Welcome to your dream home — a newer 2024 build that blends sleek modern design with everyday comfort and convenience. From the moment you arrive, you'll notice the clean architectural lines, large windows, and beautifully landscaped yard, all enclosed by a new full-perimeter fence for added privacy and peace of mind. Step inside to find an open-concept layout featuring luxury vinyl plank

  Keant Allen Central Bay Realty and Property Management LLC

  175 Hill Dr, Callaway, FL 32404
• 

  

  /57

  $349,500

  • 2 Beds
  • 2 Baths
  • 1,292 Sq Ft

  6215 Thomas Dr Unit 107, Panama City, FL 32408

  Great beach townhome. Park right at your front door with 2 assigned parking spots, complex has a pool for those few days the beach isn't ready for you. One full bathroom downstairs with full shower. Upstairs has two bedrooms with jack & Jill bathroom. Several eateries conveniently located close by. Windows facing the street have been replaced with hurricane impact windows. Roof recently replaced.

  Trudy VanHorn Berkshire Hathaway HomeServices

  6215 Thomas Dr Unit 107, Panama City, FL 32408
• 

  

  /23

  $398,900

  • 2 Beds
  • 2.5 Baths
  • 1,200 Sq Ft

  4726 Bay Point Rd Unit 4204, Panama City Beach, FL 32408

  Discover your perfect coastal retreat. This fully furnished, turn-key home is ideally located at the marina, offering easy boat access for all your water adventures. Enjoy stunning water views from the property, creating a serene and relaxing atmosphere. Whether you're taking a short stroll to the marina, exploring nearby beaches, or savoring local dining, this home provides the ultimate in

  Don Janovyak Emerald Coast Realty Group

  4726 Bay Point Rd Unit 4204, Panama City Beach, FL 32408
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  /87

  $345,000

  • 2 Beds
  • 2 Baths
  • 907 Sq Ft

  9900 S Thomas Dr Unit 1817, Panama City, FL 32408

  Shores of Panama Unit 1817 | Type C Floor Plan | Panama City Beach, FloridaShores of Panama Unit 1817 features the highly desirable Type C floor plan with a Gulf-front primary suite offering a private ensuite bath, plus a private bunk room with an adjacent full bathroom. This layout provides two distinct sleeping areas and comfortably accommodates up to six guests.The interior includes

  Alice De La Penha Coldwell Banker Realty

  9900 S Thomas Dr Unit 1817, Panama City, FL 32408
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  /48

  $369,900

  • 3 Beds
  • 2 Baths
  • 1,712 Sq Ft

  102 Drews Ln, Panama City, FL 32405

  Welcome to this beautifully maintained Craftsman-style home located at 102 Drew's Lane. Built in 2021, this 3 bedroom, 2 bath single family residence offers thoughtfully designed space. This home includes many upgrades that sets this house above the rest including Simpli Safe alarm system, custom hurricane fabric shutters and door brace for garage door, glass storm doors on the front and back of

  Kim Timmins Coldwell Banker Realty

  102 Drews Ln, Panama City, FL 32405
• 

  

  /30

  $325,000

  • 2 Beds
  • 1.5 Baths
  • 1,088 Sq Ft

  628 W Caladium Cir Unit A, Panama City Beach, FL 32413

  Embrace the perfect blend of comfort and investment potential with this charming two-bedroom townhome, just a short walk from the pristine beaches of Panama City Beach. Whether you're seeking a lucrative rental property or your own beachside haven, this residence delivers on all fronts.Sold furnished! Nestled on the desirable West End near Pier Park, this two-story townhome offers 1,088 sq.

  Dien and Andrew Group Think Real Estate

  628 W Caladium Cir Unit A, Panama City Beach, FL 32413
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  /42

  $319,900

  • 3 Beds
  • 2.5 Baths
  • 1,360 Sq Ft

  2201 Brooke St, Panama City, FL 32408

  Discover your ideal Panama City Beach retreat without the burden of high HOA fees with this charming home! This delightful 3-bedroom, 2.5-bathroom residence is ideally situated within walking distance to the beach making it the perfect match for your coastal living dream. Nestled on a prime corner lot, this property is a versatile gem ideal for Airbnb investment or personal use. The main level

  Mowayne Copeland Keller Williams Success Realty

  2201 Brooke St, Panama City, FL 32408
• 

  

  /81

  $399,999

  • 2 Beds
  • 2 Baths
  • 1,262 Sq Ft

  9860 S Thomas Dr Unit 2127, Panama City Beach, FL 32408

  Experience coastal living at its finest in this stunning penthouse-level condo at Laketown Wharf Resort in Panama City Beach. This spacious 2-bedroom + Bunks, 2-bath residence also features a bunk room, comfortably accommodating over eight guests, perfect for family getaways or vacation rental potential. Enjoy breathtaking Gulf views from both the living room and master suite, along with stylish

  Meghan Hall Keller Williams Realty SRB

  9860 S Thomas Dr Unit 2127, Panama City Beach, FL 32408
• 

  

  /55

  $329,000

  • 1 Bed
  • 1 Bath
  • 618 Sq Ft

  9850 S Thomas Dr Unit 601E, Panama City, FL 32408

  Is there a 1 bed Gulf front condo in Panama City Beach with strong rental performance, unobstructed east views and recent updates at this price? This D floorplan at Sunbird Beach Resort offers 618 square feet one bedroom, one bath and a prime east tower position with views stretching toward St. Andrews State Park. Welcome to coastal living in the heart of Panama City Beach where this self managed

  Mike Glass LPT Realty LLC

  9850 S Thomas Dr Unit 601E, Panama City, FL 32408

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