Panama City, FL Homes for Sale with No HOA Fee

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  /2

  $85,000

  • Land
  • 0.69 Acre
  • $123,188 per Acre

  1046 S Katherine Ave, Panama City, FL 32404

  Welcome to your future dream home site! This spacious 0.688-acre lot is the canvas for your vision of the perfect home. Located less than 6 miles from Tyndall Air Force Base, this prime location offers an easy, approximately 10-minute commute for military personnel or anyone working on the base. Convenience is key, with Downtown Panama City just a short drive of approximately 5 miles away. You'll

  Timothy Shand Empire Real Estate of Florida LLC

  1046 S Katherine Ave, Panama City, FL 32404
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  /8

  $618,000

  • Land
  • 103 Acres
  • $6,000 per Acre

  Parcel 3 Allanton Rd, Panama City, FL 32404

  This exceptional waterfront property on East Bay offers approximately 103 acres, subdivided from a total parcel of 307 acres. The seller is providing an opportunity for you to acquire a substantial piece of land where you can construct your dream home with deep water access on East Bay, situated across from Tyndall and adjacent to the intercoastal waterway. This expansive home site allows for

  Dennis Dunnigan Coastal Choice Realty LLC

  Parcel 3 Allanton Rd, Panama City, FL 32404
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  /43

  $389,000

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

  6211 Sunset Ave Unit A&B, Panama City, FL 32408

  With just a short walk to the Gulf of Mexico, this 4-bedroom, 2-bath duplex offers an unbeatable location surrounded by popular restaurants, vibrant nightlife, and convenient boat ramps. Only one mile from St. Andrews State Park, it's perfectly situated for both relaxation and adventure. Each side currently rents for $1,500/month, with tremendous potential to convert into a high-income short-term

  Clint Furney Anchor Realty Florida

  6211 Sunset Ave Unit A&B, Panama City, FL 32408
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  /36

  $309,000

  • 2 Beds
  • 2 Baths
  • 1,040 Sq Ft

  6903 N Lagoon Dr Unit 51, Panama City, FL 32408

  This stunning 2nd-floor unit offers waterfront living at an incredible price point! Assigned parking is located right out front for convenience. Inside, you'll find a spacious layout featuring a must-see master suite with a walk-in closet and private bath, plus a second bedroom and full bath. The open kitchen and family room showcase gorgeous lagoon views, with granite countertops, a large island

  Ramil Zartdinov Local Insight Realty

  6903 N Lagoon Dr Unit 51, Panama City, FL 32408
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  /49

  $248,000

  • 1 Bed
  • 1.5 Baths
  • 771 Sq Ft

  4900 E 4th St Unit A, Panama City, FL 32404

  This unique waterfront hideaway is tucked away on the bay in a charming, 6-unit complex. Every home here enjoys its own private boat slip, and the surprisingly low HOA covers your slip, some utilities, and exterior insurance, making it as worry-free as it is beautiful. All exteriors units have new hardi-board siding and paint. The entire dock and pilings have been replaced with composite decking

  Celia Bush Think Real Estate

  4900 E 4th St Unit A, Panama City, FL 32404
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  /40

  $695,000

  • 3 Beds
  • 3 Baths
  • 1,531 Sq Ft

  8743 Thomas Dr Unit 1513, Panama City, FL 32408

  Located right next door to the fabulous TOOTSIES ORCHID LOUNGE COMING SOON... this GULF FRONT PENTHOUSE UNIT offers 3BR/3BA, 1,531 sq. ft. and has a solid rental history of over $66,000 for 2025 with the best yet to come!!! Easily accommodate up to 12 guests! Beautifully updated throughout including bathrooms plus stainless appliances and quartz countertops. Gulf-front primary w/ ensuite bath and

  Cheryl Wright Coldwell Banker Realty

  8743 Thomas Dr Unit 1513, Panama City, FL 32408
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  /9

  $225,000

  • Land
  • 0.5 Acre
  • $450,000 per Acre

  3502 E 5th St, Panama City, FL 32401

  Great opportunity to acquire a 1.18-acre vacant residential lot on Plantation Circle, Panama City, FL 32404. This generous parcel offers ample space for building a custom home, placing a mobile home, or developing a private retreat. Located in a quiet and accessible area, the property provides flexibility for a variety of residential projects and long-term investment potential. Perfect for

  Samih Sadiq KELLY RIGHT REAL ESTATE

  3502 E 5th St, Panama City, FL 32401
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  /19

  $78,000

  723 Vista Del Sol Ln, Panama City, FL 32404

  This beautiful, gated community is the perfect location for your new home. Ammenities include a private boat ramp and a clubhouse with community pool.

  Angie Blissett Berkshire Hathaway HomeServices Beach Properties of Florida

  723 Vista Del Sol Ln, Panama City, FL 32404
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  /23

  $365,000 New Construction

  • 3 Beds
  • 2 Baths
  • 1,825 Sq Ft

  3817 Red Deer Cir, Panama City, FL 32404

  Welcome to Game Farm! A peaceful, secluded community you'll be proud to call home. Nestled in a central location in Panama City, this charming neighborhood has been thoughtfully crafted by local homebuilder Southern Coastal Homes. From the moment you arrive, a beautifully landscaped grand entrance and scenic bridge welcome you into an inviting environment. This community features wide homesites,

  Charles Commander Jr. CENTURY 21 Commander Realty

  3817 Red Deer Cir, Panama City, FL 32404
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  /2

  $70,000

  2604 W 20th St, Panama City, FL 32405

  Build your Custom Dream Home on a Prime, Level Lot in a desirable neighborhood, just a minutes from the Beach, top rated schools and the vibrant Saint Adrews. Don't miss this opportunity to secure your future homesite.

  Fatima Jorgensen CostaBella Real Estate, LLC

  2604 W 20th St, Panama City, FL 32405
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  /35

  $325,000

  • 1 Bed
  • 1 Bath
  • 618 Sq Ft

  9850 S Thomas Dr Unit 912W, Panama City, FL 32408

  Oh my: Just got word from Management company of the rental income for the year. Very impressive! Escape to a world of paradise in this exquisite Gulf-front condo that transcends the ordinary and encapsulates the essence of coastal living. Immerse yourself in the serene beauty of breathtaking sunsets and pristine beaches, all within the embrace of your own private oasis. This renovated condo

  Mike Glass LPT Realty LLC

  9850 S Thomas Dr Unit 912W, Panama City, FL 32408
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  /44

  $458,500

  • 3 Beds
  • 4 Baths
  • 2,578 Sq Ft

  3116 Wood Valley Rd, Panama City, FL 32405

  UNFINISHED MOTHER IN LAW SUITE READY FOR YOUR DESIGN. Located on a desirable corner lot in the sought-after Premier Estates neighborhood, this fully remodeled 3-bedroom, 3-bath home offers 2,578 sq. ft. of beautifully updated living space plus a rare unfinished mother-in-law suite—1,680 sq. ft. total, with 1,320 sq. ft. once heated and cooled—ready for your personal design. The main home features

  Kurt Fadden Legacy Premier Agency

  3116 Wood Valley Rd, Panama City, FL 32405
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  /7

  $150,000

  • 3 Beds
  • 1 Bath

  1628 Flower Ave, Panama City, FL 32405

  Lovely remodeled 3 bedroom / one bath home located in Panama City, FL. Easy to SHOW, VACANT, on Lockbox. Call Listing Agents or Office for showing instruction. Completely Remodeled.

  Lester Williams All County Realty

  1628 Flower Ave, Panama City, FL 32405
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  /7

  $78,000

  • Land
  • 0.19 Acre
  • $410,526 per Acre

  7710 E Highway 22, Panama City, FL 32404

  Prime Investment Opportunity - Multifamily-Ready Vacant Land Near Tyndall AFB! Attention investors and developers! This premium vacant lot is a rare find, perfectly suited for a multifamily development in a high-demand area. Conveniently located just minutes from Tyndall Air Force Base, shopping centers, dining, and essential amenities, this property offers endless potential for those looking to

  Dien and Andrew Group Think Real Estate

  7710 E Highway 22, Panama City, FL 32404
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  /56

  $450,000

  • 3 Beds
  • 2 Baths
  • 2,218 Sq Ft

  12808 Merial Waters Pass, Panama City, FL 32409

  Beautifully maintained 3-bedroom, 2-bathroom all-brick home located in one of Bay County's most highly sought-after gated communities, complete with a private lake. Offering over 2,200 sq ft of heated and cooled living space, this property blends generous room sizes with stylish finishes to create the perfect environment for both relaxing and entertaining. Lake Merial is a 300-acre gated

  Jordan Jarrett Keller Williams Success Realty

  12808 Merial Waters Pass, Panama City, FL 32409
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  /45

  $515,000

  • 3 Beds
  • 2 Baths
  • 1,443 Sq Ft

  5923 Sunset Ave, Panama City, FL 32408

  This beautifully updated beach home is the perfect getaway or investment property, located just a short distance from the sugar sand beaches, dining, and entertainment. Bright, open living room with soaring ceilings and a cozy fireplace. The recently remodeled kitchen features stainless steel appliances, butcher block, perfect for cooking and entertaining. The main floor offers laminate flooring,

  Marcus Parrish Gulf Life Real Estate Inc

  5923 Sunset Ave, Panama City, FL 32408
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  /65

  $275,000

  • 1 Bed
  • 2 Baths
  • 1,047 Sq Ft

  9902 S Thomas Dr Unit 936, Panama City, FL 32408

  This beautiful and spacious one bedroom unit at Laketown Wharf comes with bunk beds and two bathrooms. The living area and balcony overlook the lake and fountain which is peaceful. The main attractions to Laketown Wharf are the resort style amenities, onsite restaurants, a short walk across the street to the beach and convenient walkable shopping/attractions/dining. The units were built in 2007

  Christine Lance Keller Williams Success Realty

  9902 S Thomas Dr Unit 936, Panama City, FL 32408
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  /27

  $824,900

  • 3 Beds
  • 3 Baths
  • 1,997 Sq Ft

  3001 W 10th St Unit 309, Panama City, FL 32401

  Turnkey 3BR Condo in Harbour Village - Sunset Views! Rare opportunity to own a beautifully renovated 3-bedroom, 3-bath condo in highly sought-after Harbour Village in historic St. Andrews. Walk to restaurants, shops, and parks from this prime location in the West Building, offering stunning west-facing sunset views. The open-concept floor plan features a fully updated kitchen with custom

  Matthew Jones Coastal Heritage Real Estate LLC

  3001 W 10th St Unit 309, Panama City, FL 32401
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  /54

  $469,683 New Construction

  • 4 Beds
  • 2 Baths
  • 1,620 Sq Ft

  1510 Drift Rose Ct Unit LOT 745 - WAVERLY PL, Panama City, FL 32405

  Builder is offering a $15,000 use-as-you-choose incentive or Rates as low as 4.49% PLUS $7,500 towards closing costs with preferred lender! The Waverly plan by Harris Doyle Homes in Indigo Lakes at SweetBay is ready for a new owner soon! The open great room has tall ceilings and connects to the dining area and island kitchen with stainless appliances, stone countertops and tile backsplash all

  Janet Melton SweetBay Realty

  1510 Drift Rose Ct Unit LOT 745 - WAVERLY PL, Panama City, FL 32405
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  /20

  $309,983 New Construction

  • 3 Beds
  • 2 Baths
  • 1,720 Sq Ft

  11411 Godart St, Panama City, FL 32404

  Beautiful Water View Home! MOVE IN READY!!!.PAID CLOSING COSTS with preferred lender!! This is one of our most popular floor plans in East Bay! With 1720 sq ft of wide open living space, this one will not disappoint! From the minute you open the door you will appreciate just how much space you will find in this 3 bedroom, 2 bath, 2 car garage charmer. Clear sight lines in each area...yet, a split

  Susan Cantrell Adams Homes Realty, Inc.

  11411 Godart St, Panama City, FL 32404
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  /26

  $175,000

  • 3 Beds
  • 2 Baths
  • 1,040 Sq Ft

  3704 Burnham Way, Panama City, FL 32405

  This 3 bedroom 2 bath home has been exceptionally cared for. With tile throughout the main living areas, you will enjoy the roomy living room, dining room and kitchen with updated appliances. The refrigerator is 2025, dishwasher, Bosch, replaced in 2024 and stove is 2023. There was a new roof put on in 2025 with a Peel N Stick underlayment, HVAC was replaced in 2022 and the water heater in 2024.

  Christine Lance Keller Williams Success Realty

  3704 Burnham Way, Panama City, FL 32405
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  /10

  $70,000

  1918 Coach Scovel Way, Panama City, FL 32405

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

  Robbie Hughes Counts Real Estate Group

  1918 Coach Scovel Way, Panama City, FL 32405
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  /46

  $595,000

  • 4 Beds
  • 3 Baths
  • 1,891 Sq Ft

  3914 Sabine St, Panama City, FL 32408

  Charming coastal home in Holiday Beach with proven rental history ($78K+ gross 2023, $60K+ in 2024). Spacious layout, family-friendly neighborhood, minutes from the beach. Perfect as a vacation rental, second home, or primary residence. This 4 bedroom, 3 bathroom, 1,891 sq. ft. home is perfectly designed for family stays or group getaways. Located in a family-friendly neighborhood just minutes

  Caitlyn Hyatt Counts Real Estate Group Inc

  3914 Sabine St, Panama City, FL 32408
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  /58

  $782,000 New Construction

  • 4 Beds
  • 3.5 Baths
  • 3,307 Sq Ft

  Hutchinson Plan at Indigo Lakes - Phase III, Panama City, FL 32405

  The impressive Hutchinson plan by Harris Doyle Homes is offered in Indigo Lakes on many homesites, including conservation home sites. The clever design features a porte cochere that opens to a tucked-away motor court. The attached two-car garage can be expanded and connects to the home, while a third garage has options to be finished for a flex space, home gym, office or even a guest bedroom

  Harris Doyle Homes Builder

  3204 Heartleak Ave Unit 37004024, Panama City, FL 32405
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  /37

  $430,000

  • 3 Beds
  • 2 Baths
  • 1,698 Sq Ft

  7238 Skywater Dr, Panama City, FL 32404

  Completely Remodeled Waterfront Home in Deerpoint Estates!Welcome to this stunning canal-front home in the highly sought-after Highpoint area! Situated on a spacious 100x200 lot with direct access to beautiful Deerpoint Lake, this 3-bedroom, 2-bath brick home has been completely remodeled down to the studs—everything is brand new and designed with today's modern styles and finishes. Inside,

  Daryle Burkey Coldwell Banker Realty

  7238 Skywater Dr, Panama City, FL 32404
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  /50

  $399,999

  • 3 Beds
  • 2.5 Baths
  • 1,290 Sq Ft

  7813 N Lagoon Dr Unit 9F, Panama City, FL 32408

  RARE WATERFRONT GEM WITH PREMIUM COVERED BOAT SLIP + DUAL LIFTS ($50K-$75K VALUE!) — FULLY FURNISHED + TURNKEY! If you've been waiting for a true waterfront unicorn, this is the one. This 3 Bedroom, 2.5 Bathroom North Lagoon beauty is one of the few condos offering a large, covered BOAT SLIP with NEW dual lifts, built to accommodate up to 30 ft / 10,000 lbs—all INCLUDED in the sales price!

  Shelly Callaway CENTURY 21 Ryan Realty Inc

  7813 N Lagoon Dr Unit 9F, Panama City, FL 32408
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  /13

  $55,000

  • Land
  • 0.08 Acre
  • $687,500 per Acre

  630 Harmon Ave, Panama City, FL 32401

  This mixed use, residential or commercial property is close to the expanding downtown area of Panama City.

  Maura Schroeder CENTURY 21 Commander Realty

  630 Harmon Ave, Panama City, FL 32401
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  /22

  $424,800 New Construction

  • 3 Beds
  • 4 Baths
  • 1,733 Sq Ft

  2445 Mercedes Ave, Panama City, FL 32405

  New Construction'' You will love this beautiful home made for entertaining and comfort. Main living area open and airy, with family room , kitchen , dining all in one. Home also has 3 bedrooms/4 full baths, each bedroom has it's own bath. Nice laundry area, double garage and room for a pool in backyard. Home also features recessed lighting, tray ceiling, vinyl wood flooring, ceiling fans,

  Marcia Preston CENTURY 21 Commander Realty

  2445 Mercedes Ave, Panama City, FL 32405
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  /3

  $50,000

  • Land
  • 0.8 Acre
  • $62,500 per Acre

  622 Harmon Ave, Panama City, FL 32401

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

  Scott Kirkman Legacy Premier Agency

  622 Harmon Ave, Panama City, FL 32401
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  /2

  $369,999

  • Land
  • 0.77 Acre
  • $480,518 per Acre

  250 N Tyndall Pkwy, Panama City, FL 32404

  ***3/4 OF AN ACRE COMMERCIAL LOT ZONED MIXED USE WITH CONSTRUCTION DOCUMENTS READY FOR DEVELOPMENT!!*** This property is ready for whatever you are looking to develop, but as a bonus the seller has complete plans, documents, full renderings of the attached pictures along with all information. The plans are for a shovel ready mixed use residential/retail building project that will consist of 6

  Mario Gobel RE/MAX SELECT Partners

  250 N Tyndall Pkwy, Panama City, FL 32404
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  /33

  $300,000

  • 3 Beds
  • 1 Bath
  • 1,510 Sq Ft

  900 E 2nd Place, Panama City, FL 32401

  This 3 bedroom 1 bath Cove charmer combines thoughtful updates with timeless quality. The kitchen has been fully remodeled with quartz countertops, a marble subway tile backsplash, and sleek black stainless appliances. The bathroom offers a marble top vanity and an oversized jetted tub for relaxing comfort. Major upgrades include a 2018 roof with a lifetime warranty, 2018 HVAC system and

  Sarah Fisher EXP Realty LLC

  900 E 2nd Place, Panama City, FL 32401
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  /21

  $339,000

  • 3 Beds
  • 2 Baths
  • 1,480 Sq Ft

  126 Pelican Way, Panama City, FL 32408

  REDUCED TO SELL QUICK - LOTS OF HOUSE FOR THE MONEY - CALL YOUR AGENT! Great home on a large120 X 100 lot. Quick access the beach, shopping, restaurants, etc. This home appears much larger than the posted square footage. The kitchen and bathrooms have been upgraded with granite countertops and the bathrooms have very nice cabinets. Large 17 x14 master bed room with a large walk-in closet and

  Tony Viejo AMERICAN REALTY of Bay Co, Inc

  126 Pelican Way, Panama City, FL 32408
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  /15

  $274,990 New Construction

  • 3 Beds
  • 2 Baths
  • 1,474 Sq Ft

  3942 Lombard St Unit 9, Panama City, FL 32404

  The Newlin floorplan offers 3 bedrooms, 2 bathrooms, and 1,474 square feet of thoughtfully designed living space. Inside, you'll find a bright, open-concept layout featuring a spacious family room and dining area, along with a beautifully appointed kitchen complete with quartz countertops, white shaker-style cabinets, stainless steel appliances, and a pantry for extra storage. The owner's suite

  Lisa Strickland Lennar Realty Inc

  3942 Lombard St Unit 9, Panama City, FL 32404
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  /78

  $327,900

  • 1 Bed
  • 2 Baths
  • 936 Sq Ft

  9900 S Thomas Dr Unit 425, Panama City, FL 32408

  Back on the market! (no fault of Seller) Low-Floor Beachfront Luxury + Same-Floor Deeded Parking! This beautifully maintained 1BR + Bunkroom, 2BA condo is located in the highly sought-after Shores of Panama — one of the most amenity-rich Gulf-front resorts in Panama City Beach. Situated on a low floor with a deeded 4th-floor parking spot, you and your guests will enjoy unmatched convenience with

  Carla Singleton Ohana Real Estate Services

  9900 S Thomas Dr Unit 425, Panama City, FL 32408
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  /49

  $289,900

  • 3 Beds
  • 2 Baths
  • 1,279 Sq Ft

  5132 Sienna Dr, Panama City, FL 32404

  Meticulously Maintained & Move-In Ready! This 1 owner home built in 2023 has a large privacy fenced backyard, Brand New Carpet, All Stainless Steel Kitchen Appliances Convey & the home was just professionally pressure washed outside & professionally deep cleaned inside! The amazing Community Pool has just been completed! The Aldridge plan is a 3 bed, 2 bath home. As you enter this home, you will

  Lacy Horsley Horsley Real Estate Group

  5132 Sienna Dr, Panama City, FL 32404
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  /31

  $225,000

  • 1 Bed
  • 1 Bath
  • 580 Sq Ft

  6909 N Lagoon Dr Unit 3E, Panama City, FL 32408

  Discover coastal living at its best in this beautifully positioned first-floor condo overlooking the tranquil waters of North Lagoon. Enjoy stunning sunset views right from your private balcony, perfect for relaxing evenings or morning coffee with a breeze.This waterfront unit offers easy access with no stairs, peaceful views, and the convenience of being just minutes from the beach, marinas,

  Luisa Dick Coldwell Banker Realty

  6909 N Lagoon Dr Unit 3E, Panama City, FL 32408
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  /5

  $780,000

  0 W 12th St Unit A11837641, Panama City, FL 32401

  Exceptional development opportunity in Panama City, Florida! This 5.11-acre MU-2 zoned property offers the potential to build up to 51 multifamily units by right, with additional density possible under Florida’s Live Local Act.The site features paved road frontage on W 12th Street, utilities nearby, and close proximity to W 15th Street, the area’s main commercial corridor with shopping,

  Damaso Medina United Realty Group Inc

  0 W 12th St Unit A11837641, Panama City, FL 32401
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  /49

  $345,000

  • 3 Beds
  • 2 Baths
  • 1,062 Sq Ft

  8730 Thomas Dr Unit 313, Panama City, FL 32408

  Exceptional Waterfront Opportunity! This beautifully updated, fully furnished 3-bedroom, 2-bath condo is a perfect, move-in-ready coastal haven. Enjoy private boat dock access with slips and trailer parking, along with breathtaking views of the Grand Lagoon. Located moments from the beach, dining, and entertainment, this unit is approved for short-term rentals and features smart home technology

  Theresa Applegate Anchor Realty Florida

  8730 Thomas Dr Unit 313, Panama City, FL 32408
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  /22

  $178,000

  • 3 Beds
  • 2 Baths
  • 1,164 Sq Ft

  8610 Lorento St, Panama City, FL 32408

  Prime investment opportunity in Panama City Beach! This STR-friendly property sits on an oversized 75x118 lot, offering abundant space for parking, outdoor amenities, or future expansion. The main home features a 3 bedroom, 1 bath layout, providing strong rental appeal for families or longer stays. In addition, the property includes a fully finished studio tiny home with a full bath and A/C,

  Danielle Britton World Impact Real Estate

  8610 Lorento St, Panama City, FL 32408
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  /48

  $320,000

  • 1 Bed
  • 2 Baths
  • 864 Sq Ft

  9900 S Thomas Dr Unit 2009, Panama City, FL 32408

  Welcome to Unit 2009 at the Shores of Panama—a highly sought-after ''A Stack'' floor plan offering panoramic views of the eastern shoreline and a direct overlook of the resort's stunning lagoon-style pool. This beautifully maintained 1-bedroom, 2-bath condo has RENTAL PROJECTIONS OF $52,500+ and also includes a separate bunk room, maximizing space and rental potential. There are granite

  Shawn Dunne Berkshire Hathaway HomeServices PenFed

  9900 S Thomas Dr Unit 2009, Panama City, FL 32408

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