Bay County FL Homes under $500,000

• 

  

  

  /46

  $410,000

  New Construction

  • 4 Beds
  • 2.5 Baths
  • 1,991 Sq Ft

  3864 Red Deer Cir Unit Lot 17, Panama City, FL 32404

  Welcome to Game Farm - A Peaceful Place to Call Home. Take advantage of exclusive incentives: enjoy a special 5.99% interest rate plus $3,000 toward closing costs with our preferred lender. Created by Ben Wortman Construction, a veteran and proud Bay County local, Game Farm offers the perfect blend of privacy and convenience in the heart of Panama City. From the moment you wind through the

  Charles Commander Jr. CENTURY 21 Commander Realty

  3864 Red Deer Cir Unit Lot 17, Panama City, FL 32404
• 

  

  

  /45

  $489,900

  • 2 Beds
  • 2 Baths
  • 1,201 Sq Ft

  2202 U S 98 Unit 209, Mexico Beach, FL 32456

  This inviting 2-bedroom, 2-bath condo at Summerhouse is offered turnkey and fully furnished, making it an easy choice for personal enjoyment or investment potential. The spacious primary suite includes an ensuite bath with a tiled tub/shower combination, while the guest bedroom offers comfortable accommodations for visitors. A built-in single bed tucked into the hallway adds extra sleeping space

  Sherry Siclare Reid Real Estate

  2202 U S 98 Unit 209, Mexico Beach, FL 32456
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  /37

  $425,000

  • 4 Beds
  • 2.5 Baths
  • 2,306 Sq Ft

  3123 Willie Dr, Southport, FL 32409

  The Victoria floor plan in Hodges Bayou is known for one of the most functional and desirable layouts in the neighborhood. This 4-bedroom, 2.5-bath home offers a split-bedroom design with an open-concept living, kitchen, and dining area that flows easily for daily life. Luxury vinyl plank flooring runs throughout the main spaces, and the home has been freshly painted beyond the builder's original

  Millie Mcclung Counts Real Estate Group Inc

  3123 Willie Dr, Southport, FL 32409
• 

  

  

  /29

  $487,291

  New Construction $40K PRICE DROP

  • 3 Beds
  • 2 Baths
  • 2,063 Sq Ft

  913 Crystal Bayou Blvd, Panama City Beach, FL 32407

  Welcome to 913 Crystal Bayou Boulevard, a new home at Breakfast Point East in Panama City Beach Florida. This beautiful single-story move in ready home boasts over 2,000 square feet of bright, open living and entertaining space. Entering this home, you will find EVP flooring leading to the open concept living area, brightly lit by the many windows. Elegant interior features include EVP flooring,

  D.R. Horton Builder

  913 Crystal Bayou Blvd, Panama City Beach, FL 32407
• 

  

  

  /50

  $424,000

  • 1 Bed
  • 2 Baths
  • 846 Sq Ft

  17757 Front Beach Rd Unit 1406D, Panama City Beach, FL 32413

  Beautiful gulf views from this 1 Bedroom, 2 Bath condo on the less crowded west end of Panama City Beach. Celadon is the last high rise on the west end. Two pools, 2 hot tubs, and a newly equipped fitness room. Climate controlled crosswalk from the parking garage to the building. Pickle ball courts, grills, and seasonal beach service. This unit has had the same snowbirds for many years as well as

  Anita Powell Coldwell Banker Realty

  17757 Front Beach Rd Unit 1406D, Panama City Beach, FL 32413
• 

  

  /71

  $475,000

  $64K PRICE DROP

  • 2 Beds
  • 2.5 Baths
  • 1,102 Sq Ft

  9900 S Thomas 220 Dr Unit 220, Panama City Beach, FL 32408

  Included Second floor Deeded Parking spot on the same floor as the unit so no need for an elevator. This delightful condo has been very well cared for and has had many updates. There are 2 bedrooms plus a large cozy bunk room. The double balcony is perfect for enjoying the scenery. This beautiful low floor unit has some of the most beautiful views of the Gulf of Mexico and the beautiful resort

  Michelle Rydeski LPT Realty LLC

  9900 S Thomas 220 Dr Unit 220, Panama City Beach, FL 32408
• 

  

  /34

  $449,900

  • 1 Bed
  • 2 Baths
  • 846 Sq Ft

  17757 Front Beach Rd Unit 206, Panama City Beach, FL 32413

  Gulf-Front • 2nd Floor • OVER $60K RENTAL INCOME This Gulf-front 2nd-floor condo at Celadon Beach Resort features one bedroom plus a bunks, sleeping 6. Enjoy a private beachfront balcony with unobstructed Gulf views!! No waiting on elevators as this highly sought-after second-floor level provides quick beach access and ultimate convenience as it is on the walkover level from the parking garage.

  Lauren Staggs Christies International Real Estate Emerald Coast

  17757 Front Beach Rd Unit 206, Panama City Beach, FL 32413
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  /33

  $465,000

  $70K PRICE DROP

  • 2 Beds
  • 2 Baths
  • 1,146 Sq Ft

  14415 Front Beach Rd Unit 1602, Panama City Beach, FL 32413

  Offered for sale is Ocean Reef Unit 1602, a two-bedroom, two-bath, gulf-front condo with a spacious 10x27 (270+ sq. ft.) balcony. The Unit 1602 floorplan features: a gulf-front living area and gulf-front master bedroom with separate balcony access; tiled floors; luxury vinyl bedroom flooring; and matching tile backsplash and bar facing. The Ocean Reef balcony size is fabulous and sets it apart

  John Smith Distinctive Beach Real Estate

  14415 Front Beach Rd Unit 1602, Panama City Beach, FL 32413
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  /24

  $449,900

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

  520 N Richard Jackson Blvd Unit 3311, Panama City Beach, FL 32407

  Welcome to Beach View Villa #3311, now offered for sale in the highly sought-after Edgewater Beach & Golf Resort. This gated, amenity-rich community features an impressive 11,000-square-foot lagoon-style pool, plus 10 additional heated pools, hot tubs, on-site restaurants and bars, a nine-hole golf course, tennis and pickleball courts, and more.This fully furnished second-floor condo offers

  James Holt RC Real Estate Group

  520 N Richard Jackson Blvd Unit 3311, Panama City Beach, FL 32407
• 

  

  /49

  $425,000

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

  9860 S Thomas Dr Unit 1110, Panama City Beach, FL 32408

  Seller Offering $15,000 Cash Back towards Buyers Closing Costs/ Rate Buy Down, or Anyway you choose! *Spectacular Beach/Gulf Views *Location *Sleeps 8 Comfortably with Extra Bunk Room *Fully Furnished/Turn Key with Fine Furnishings *New 2025 Water Heater *Newer 2020 Stainless Appliances *Newer 2020 Washer/Dryer *Newer 2021 HVAC *Spacious King Master Suite with Mesmerizing Water Views *Only 1

  Crystal Newborn The Ketchersid Group LLC

  9860 S Thomas Dr Unit 1110, Panama City Beach, FL 32408
• 

  

  /54

  $497,000

  $1K PRICE DROP

  • 3 Beds
  • 2 Baths
  • 1,896 Sq Ft

  303 Coral Gables St, Panama City Beach, FL 32407

  Seller offering $10,000 credit toward rate buy down or closing costs. Welcome home to 303 Coral Gables Street in Panama City Beach. This 3 bedroom, 2 bathroom single-story Craftsman style home is located in the highly sought-after Tapestry Park community--a charming, family-friendly neighborhood known for tree-lined streets, front porch living, and resort-style amenities. This beautifully

  Theresa Felton La Florida Coastal Properties

  303 Coral Gables St, Panama City Beach, FL 32407
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  /30

  $412,068

  New Construction $33K PRICE DROP

  • 3 Beds
  • 2.5 Baths
  • 1,771 Sq Ft

  339 Robinson Bluff Rd, Panama City Beach, FL 32407

  Welcome to 339 Robinson Bluff Road, a new home at Colonial East in Panama City Beach Florida. This home is under construction and features a grand entry with stairs leading to the second level bedrooms and a hall leading to the spacious downstairs living area. The foyer offers a coat closet and garage access just off the entry and a powder room. As you enter the open living area you will find an

  D.R. Horton Builder

  339 Robinson Bluff Rd, Panama City Beach, FL 32407
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  /38

  $404,900

  New Construction $10K PRICE INCREASE

  • 4 Beds
  • 3 Baths
  • 1,968 Sq Ft

  4877 Windrow Way, Callaway, FL 32404

  Welcome to the Madison, a new home floor plan at Titus Park in Panama City, Florida. The Madison is one of our many featured one-story homes at the beautiful Titus Park community. When you walk into the home, you are greeted by a long hallway that is the center point for bedrooms, the laundry room and garage, and leads to the open living room and kitchen. Beautiful engineered vinyl plank (EVP)

  Mark Miles DR Horton Realty of Emerald Coast, LLC

  4877 Windrow Way, Callaway, FL 32404
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  /28

  $448,900

  $1K PRICE DROP

  • 2 Beds
  • 2 Baths
  • 1,055 Sq Ft

  11619 Front Beach Rd Unit 308, Panama City Beach, FL 32407

  Welcome to Unit 308 in Tower 2 at Edgewater Beach Resort. This 3rd-floor 2-bedroom, 2-bathroom condominium offers beautiful westward sunset views as well as impressive sunrise views -- a rare combination that enhances both owner enjoyment and rental appeal. This unit features the most efficient floor plan within the towers, resulting in some of the lowest HOA dues available while still offering

  Kaitlin Palmer Gulf Life Real Estate Inc

  11619 Front Beach Rd Unit 308, Panama City Beach, FL 32407
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  /35

  $414,000

  New Construction $1K PRICE DROP

  • 4 Beds
  • 2 Baths
  • 3,792 Sq Ft

  710 Moore Cir, Panama City, FL 32401

  Investor/visionary opportunity in the heart of Panama City. This historic Folk Victorian sits on a quarter-acre corner lot just steps from St. Andrews Bay with second-floor water views. The main home has been taken down to the studs--giving you complete freedom to design, renovate, reconfigure, or build new. No guesswork, just a blank canvas ready for your vision. The property also includes a

  Christina Knox Scenic Sotheby's International Realty

  710 Moore Cir, Panama City, FL 32401
• 

  

  /17

  $499,995

  New Construction

  • 3 Beds
  • 2 Baths
  • 2,064 Sq Ft

  Linden Plan at Breakfast Point East - Designer Collection, Panama City Beach, FL 32407

  The Linden by Fischer Homes features an open-concept design that is perfect for modern living. The expansive kitchen layout includes a large pantry and seamlessly connects to the living spaces. Enjoy outdoor living with the included covered patio or deck. The main level offers a recreation room that can be upgraded to a guest suite or a private study for added flexibility. The option for a rear

  Fischer Homes Builder

  806 Breakfast Point Blvd Unit 36658442, Panama City Beach, FL 32407
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  /42

  $439,900

  $25K PRICE DROP

  • 4 Beds
  • 2 Baths
  • 1,976 Sq Ft

  2417 Kirkwell Ave, Lynn Haven, FL 32444

  Well-maintained 4-bedroom, 2-bath home in desirable Lynn Haven, built in 2023 and situated on over half an acre with no HOA, offering space, flexibility, and room for boats, RVs, or future additions. Located on a quiet, dead end street, this newer construction home was built with modern standards and construction upgrades that enhance durability, efficiency, and overall peace of mind. Inside,

  Heather Butler Think Real Estate

  2417 Kirkwell Ave, Lynn Haven, FL 32444
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  /27

  $479,000

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

  9450 S Thomas Dr Unit 509C, Panama City Beach, FL 32408

  Western oriented 2BR/2BA ON THE 5TH FLOOR. PERFECT ELEVATION - NOT TOO HIGH AND NOT TOO LOW! This one-of-a-kind and rarely available property conjures up images of sun-splashed days of swimming, biking, and relaxing. The 1152sqft 2Bed/2Bath floorplan is super-efficient and lives like a beach house but comes with all the benefits of owning a condo. New Luxury vinyl plans flooring throughout and

  John Moran Keller Williams Realty Destin

  9450 S Thomas Dr Unit 509C, Panama City Beach, FL 32408
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  /28

  $430,000

  • 3 Beds
  • 2 Baths
  • 1,470 Sq Ft

  6406 Beach Dr Unit A, Panama City, FL 32408

  Perfectly updated coastal home just a 5-minute walk to the sugar-white sands of Panama City Beach. This beautifully maintained two-story townhome is designed for comfort, relaxation, and effortless beach living. Offering 3 bedrooms and 2 full bathrooms, the home provides generous space for family and guests. Two bedrooms feature private decks, including a primary suite with a peek of the Gulf.

  Sabina Harmon Dalton Wade Inc

  6406 Beach Dr Unit A, Panama City, FL 32408
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  /12

  $493,500

  $106K PRICE DROP

  • Land
  • 10,890 Sq Ft
  • $1,974,000 per Acre

  13207 Hutchison Blvd, Panama City Beach, FL 32407

  Motivated Seller. Reduced 105,500.00 Wonderful location for your home or this is a great opportunity to build Townhouses or 2 homes on this property that is just a short walk to the beach. Across from Hutchinson Beach Elementary School and close to restaurants. The possibilities are endless as to what can be built here. Lot is priced right and zoned commercial.

  Cynthia Luster Coastal Property Services, Inc

  13207 Hutchison Blvd, Panama City Beach, FL 32407
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  /33

  $430,000

  $19K PRICE DROP

  • 1 Bed
  • 2 Baths
  • 923 Sq Ft

  16819 Front Beach Rd Unit 1715, Panama City Beach, FL 32413

  Rare Gulf-Front Gem at Tidewater Beach Resort! It features a true GULF-FRONT MASTER BEDROOM SUITE! One of the few condos in the entire resort with direct emerald-water views and that perfect morning light, while enjoying your coffee in bed. The spacious bunk room is wonderfully flexible--ideal for grandkids or extra guests. Two full baths mean no morning rush, and it's fully furnished with range,

  Joe Murphy Rev Realty Florida, LLC

  16819 Front Beach Rd Unit 1715, Panama City Beach, FL 32413
• 

  

  /41

  $415,900

  • 3 Beds
  • 2.5 Baths
  • 1,608 Sq Ft

  2604 Mystic Ln Unit PO12, Panama City, FL 32408

  OPEN HOUSE this Saturday 5/16 10 am - 2 pm, come see us and pick up a gift! On the Ground Floor (1st Level) in the stunning gated & Bayfront community of WATERHAVEN, this pristine 3 bedroom, 2 1/2 bath unit is a rare find. You can rest easy knowing elevators and multiple stairs will NOT be an issue! This unit offers the perfect blend of modern luxury and coastal charm! Step inside to discover a

  Britta Kepple Realty One Group Emerald Coast

  2604 Mystic Ln Unit PO12, Panama City, FL 32408
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  /49

  $409,900

  • 3 Beds
  • 2.5 Baths
  • 2,121 Sq Ft

  300 Sand Oak Blvd, Panama City Beach, FL 32413

  Your Whisper Dunes villa awaits - this two-story 3BR/2BA home features a first-floor master, adaptable upstairs loft, and a private screened porch, all just minutes from the beaches, Pier Park, and 30A in Panama City Beach. Open, airy, and designed for everyday living, the first floor boasts 9-foot ceilings and a seamless flow between the living, dining, and kitchen spaces. The master suite

  Jacob Willenborg Berkshire Hathaway HomeServices Beach Properties of Florida

  300 Sand Oak Blvd, Panama City Beach, FL 32413
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  /39

  $416,732

  New Construction $63K PRICE DROP

  • 4 Beds
  • 2 Baths
  • 1,799 Sq Ft

  233 Dama Del Mar Way, Panama City Beach, FL 32407

  Welcome to 233 Dama Del Mar Way, a new home at Caballeros Estates at Hombre in Panama City Beach, Florida. This home is ready for move in and has four bedrooms, two full bathrooms and a single car garage. As you enter this home you will find a bright entry with EVP flooring throughout the home. The foyer leads to the spacious living area that is designed for comfortable living. In the open

  D.R. Horton Builder

  233 Dama Del Mar Way, Panama City Beach, FL 32407
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  /41

  $475,000

  $24K PRICE DROP

  • 5 Beds
  • 2 Baths
  • 1,278 Sq Ft

  230 13th St, Panama City Beach, FL 32413

  Extremely successful cash-flowing short-term rental. This newly remodeled Laguna Beach property situated in the highly desirable west Panama City Beach, just 2.5 blocks from the Gulf! 1-minute golf car ride. This one-of-a-kind property boasts two separate income approaches, maximizing returns. The front is an adorable guest quarters that is a 2 bedroom and 1 bath, perfect for accommodation,

  Jonathan Minerick HomeCoin.com

  230 13th St, Panama City Beach, FL 32413
• 

  

  /39

  $444,400

  $46K PRICE DROP

  • 3 Beds
  • 2 Baths
  • 1,722 Sq Ft

  2838 Laurie Ave, Panama City Beach, FL 32408

  HUGE PRICE IMPROVEMENT. Ready to sell! Discover the perfect blend of investment potential and coastal living with this beautifully constructed, almost brand-new home -- ideally located in the heart of Panama City Beach and less than one mile from the sugar-white sands of the ''World's Most Beautiful Beaches,'' Shell Island, and St. Andrews State Park. Designed with comfort and functionality in

  Denis Rakov Beachy Beach Real Estate

  2838 Laurie Ave, Panama City Beach, FL 32408
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  /33

  $449,900

  • 3 Beds
  • 2 Baths
  • 952 Sq Ft

  209 S Wells St, Panama City Beach, FL 32413

  This is a special quaint cottage style home with a unique history. It is located 1.5 blocks from thewater on the west end (Access 76A) in a quiet golf cart community with no short-term rentals. Thishome was built in 1950 on Tyndall Air Force Base as officer's housing. It was decommissioned andmoved to its current location in 1985/1986. It began as a two-bedroom and one bathroom house.

  Regina Merritt Beachy Beach Real Estate

  209 S Wells St, Panama City Beach, FL 32413
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  /49

  $469,900

  $5K PRICE DROP

  • 3 Beds
  • 3 Baths
  • 1,681 Sq Ft

  9860 S Thomas Dr Unit 621, Panama City, FL 32408

  Gulf breezes in the morning, lagoon sunsets at night—life at Laketown Wharf invites that easy, every-day vacation feeling. Slide open the balcony doors and breathe in that coastal air as light fills the open living space, flowing into a flexible layout ideal for hosting friends or family. A bunk niche gives that extra sleeping option visitors always appreciate. Out the door, the resort lives

  Eddie Navarez Salty Marlin Realty LLC

  9860 S Thomas Dr Unit 621, Panama City, FL 32408
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  /21

  $499,999

  $10K PRICE DROP

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

  21514 Front Beach Rd, Panama City Beach, FL 32413

  Directly across the street from the sugar-white sands of Panama City Beach, this updated Riviera Beach townhome delivers coastal convenience, investment potential, and beachside charm. Enjoy breathtaking Gulf views from the second-floor balcony and easy public beach access just steps from your front door. Inside, the home features tile flooring throughout the first floor and a spacious layout

  The Wheeler Sauls Collective Salty Marlin Realty LLC

  21514 Front Beach Rd, Panama City Beach, FL 32413
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  /35

  $465,000

  $45K PRICE DROP

  • 2 Beds
  • 2 Baths
  • 1,332 Sq Ft

  1102 Prospect Promenade Unit 202, Panama City Beach, FL 32413

  Highly coveted two-bedroom retreat offering premium views of the world's largest coastal dune lake, Lake Powell. Welcome to Lakeside Lodge--your peaceful escape nestled along the scenic shoreline. Awaken each morning to breathtaking sunrise views from your private primary bedroom balcony, or enjoy the same stunning scenery from the comfort of your bed. This exquisite condo showcases modern

  Phil Smith The Premier Property Group

  1102 Prospect Promenade Unit 202, Panama City Beach, FL 32413
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  /52

  $459,000

  $30K PRICE DROP

  • 4 Beds
  • 2.5 Baths
  • 2,082 Sq Ft

  2411 Country Club Dr, Lynn Haven, FL 32444

  Immaculate 4 Br, 2.5 Ba brick pool home located in Lynn Haven's Panama Country Club with seller offering furnished with acceptable offer! Interior features include high ceilings and large windows in the living room, kitchen and breakfast area overlooking the screened pool, ample master bedroom on ground floor with double vanity and separate tub and shower ,half bath, three guest bedrooms on

  Charles Commander Jr. CENTURY 21 Commander Realty

  2411 Country Club Dr, Lynn Haven, FL 32444
• 

  

  /17

  $494,995

  New Construction

  • 3 - 5 Beds
  • 2 - 4 Baths
  • 2,064+ Sq Ft

  Linden Plan at Salt Grass at Ward Creek - Designer Collection, Panama City Beach, FL 32413

  The Linden by Fischer Homes features an open-concept design that is perfect for modern living. The expansive kitchen layout includes a large pantry and seamlessly connects to the living spaces. Enjoy outdoor living with the included covered patio or deck. The main level offers a recreation room that can be upgraded to a guest suite or a private study for added flexibility. The option for a rear

  Fischer Homes Builder

  623 Millbridge Dr Unit 36659458, Panama City Beach, FL 32413
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  /39

  $434,900

  • 1 Bed
  • 2 Baths
  • 846 Sq Ft

  17757 Front Beach Rd Unit 2307D, Panama City Beach, FL 32413

  23rd-FLOOR OCEANFRONT PENTHOUSE at Celadon Beach Resort! Move-in ready & fully furnished, a perfect turnkey rental! Features a King Master with TV & private bath, hallway twin bunks, Living room queen sleeper, and a second bath with tub/shower combo. The kitchenette is fully outfitted with dining for six plus three barstools. New HVAC (2025), HW (2018). Enjoy breathtaking Gulf views from the

  Austin O'Dom Bastion Realty LLC

  17757 Front Beach Rd Unit 2307D, Panama City Beach, FL 32413
• 

  

  /61

  $439,900

  $99K PRICE DROP

  • 2 Beds
  • 2 Baths
  • 1,015 Sq Ft

  6505 Thomas Dr Unit 510, Panama City Beach, FL 32408

  Summerhouse Condo on Panama City Beach is one of the most respected complexes in the area. This beautiful 2-Bedroom, 2-Bath unit is located on the very desirable fifth floor. This will be a favorite for renters as it is not too high or too low. This unit overlooks the beach and pools and offers a sunset view all year long. The owner has furnished and accented this unit very nicely and it is

  Greg Taylor Counts Real Estate Group Inc

  6505 Thomas Dr Unit 510, Panama City Beach, FL 32408
• 

  

  /43

  $450,000

  • 3 Beds
  • 1.5 Baths
  • 950 Sq Ft

  128 S Wells St, Panama City Beach, FL 32413

  Beautifully maintained coastal home in a quiet, golf cart-friendly community just 0.3 miles from the beach! This 3-bedroom, 1.5-bath home offers the perfect blend of comfort, low maintenance, and outdoor living. Enjoy quartz countertops in the kitchen and main bathroom, custom cabinets to the ceiling, stainless steel appliances (microwave, electric stove, dishwasher, and French door

  Kelly Killick EXP Realty LLC

  128 S Wells St, Panama City Beach, FL 32413
• 

  

  /50

  $450,000

  $65K PRICE DROP

  • 3 Beds
  • 2 Baths
  • 1,604 Sq Ft

  220 Laurel Oak Ln, Panama City Beach, FL 32413

  Just Reduced + New Roof + Seller is offering $2,500 in concessions= An excellent opportunity to secure value in a highly desirable community! Now offered at $450,000, this 3BR/2BA Samuel Taylor Bonita floor plan is the lowest-priced single-family home in Whisper Dunes. Hurricane tie-down system, hurricane-rated garage door, and storm window coverings, plus a brand new roof and pre-listing

  Jena Buchanan CENTURY 21 Ryan Realty Inc

  220 Laurel Oak Ln, Panama City Beach, FL 32413
• 

  

  /59

  $418,500

  • 2 Beds
  • 2.5 Baths
  • 1,572 Sq Ft

  226 Grande Island Blvd, Panama City Beach, FL 32407

  Owner says bring him offers! Great price on this canal home in gulf highlands! Come home to your own townhome in the sought after Gulf Highlands Resort! This townhome is on the island which gives you the canal just off your patio! Relax and try your hand at fishing! The location also puts you just a short walk to the white sandy beach! The Resort has an amazing gulf front pool and snack shack for

  Darlene Couch Horsley Real Estate Group

  226 Grande Island Blvd, Panama City Beach, FL 32407

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