Panama City, FL Homes for Sale with No HOA Fee

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  /68

  $699,900

  • 5 Beds
  • 4 Baths
  • 2,365 Sq Ft

  3820 Treasure Cir, Panama City, FL 32408

  Explore your very own piece of paradise! This fully furnished, turnkey beach house is the dream Beach Home you've been waiting for. This beautifully renovated and fully furnished beachside home offers the perfect combination of luxury, comfort, and everyday livability—designed for those who dream of making the beach their full-time lifestyle. Just minutes from the sugar-white sands of Panama City

  Jordan Jarrett Keller Williams Success Realty

  3820 Treasure Cir, Panama City, FL 32408
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  /49

  $445,000

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

  6505 Thomas Dr Unit 909, Panama City, FL 32408

  **LENDER INCENTIVES: Closing cost credit and/or rate buy-down available from preferred Lender. Contact Listing Agent for more information.** Welcome to the Summerhouse, a stunning Gulf-front retreat in the heart of Panama City Beach, offering unmatched westerly sunset views over the emerald waters. This beautifully furnished 2-bedroom, 2-bathroom condo has breathtaking panoramas of the

  Brad Amerson LLC Compass Florida, LLC

  6505 Thomas Dr Unit 909, Panama City, FL 32408
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  /21

  $179,000

  • 2 Beds
  • 1 Bath
  • 875 Sq Ft

  625 E 3rd St, Panama City, FL 32401

  Welcome to this beautifully updated 2-bedroom, 1-bath home in the highly desirable Cove neighborhood of Panama City! Featuring 875 sq. ft. of living space, this charming residence has been thoughtfully rehabbed to blend classic character with modern comfort. Recent upgrades include a brand-new roof (2025), new flooring throughout, a fully renovated kitchen with updated countertops and cabinetry,

  Melissa Haworth EXP Realty LLC

  625 E 3rd St, Panama City, FL 32401
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  /84

  $360,000

  • 1 Bed
  • 2 Baths
  • 936 Sq Ft

  9900 S Thomas Dr Unit 825, Panama City, FL 32408

  This Type-N floor plan features 1 bedroom plus a bunk area with a barn door, 2 full bathrooms, in-unit laundry, and a deeded parking spot conveniently located on the same level. The condo is fully furnished and turn-key, highlighted by new luxury floating LVP flooring, flat-screen TVs in all rooms, stainless steel appliances in the kitchen, and privacy curtains in the living room and bedroom. The

  Alice De La Penha Coldwell Banker Realty

  9900 S Thomas Dr Unit 825, Panama City, FL 32408
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  /25

  $375,000

  • 1 Bed
  • 1 Bath
  • 918 Sq Ft

  Unlisted Address

  Welcome to Gulf Gate #405, a bright and spacious condo located just minutes from the beach. This unit offers an incredible opportunity to own in one of Panama City Beach's most sought-after communities at an attractive price point. The condo is partially furnished, providing a comfortable foundation for new owners to personalize and make it their own. Situated in a well-maintained complex close

  Joanie Miller Miller & Associates Realty

  Unlisted Address
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  /51

  $245,000

  • 1 Bed
  • 1 Bath
  • 664 Sq Ft

  324 E Beach Dr Unit 701, Panama City, FL 32401

  Found! An amazing one bedroom, one bathroom waterfront condominium with gorgeous views of St. Andrews Bay and Massalina Bayou. Conveniently located on Beach Drive, in the highly desirable Cove neighborhood. From the spacious balcony enjoy awesome sunsets! You will be the envy of your friends with front row seats for the Christmas Boat Parade and the 4th of July Fireworks! Ready for some tasty

  Maureen Hess Miller & Associates Realty

  324 E Beach Dr Unit 701, Panama City, FL 32401
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  /112

  $1,895,200 New Construction

  • 4 Beds
  • 3.5 Baths
  • 2,174 Sq Ft

  4109 Choctaw St, Panama City, FL 32408

  HEATED POOL- STEPS TO BEACH Last years rental income in the high $90 and this year is on its way to over $100K Ideal as a beach rental or second home, this stunning property offers the perfect blend of comfort and coastal charm. Located just moments from beach access, it features a private fenced-in pool and two owner's suites for ultimate convenience. Upstairs, the primary owner's suite boasts

  Beth Jones Blue Swell Realty

  4109 Choctaw St, Panama City, FL 32408
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  /31

  $355,000

  • 5 Beds
  • 3 Baths
  • 2,556 Sq Ft

  7245 Ellie B Dr, Panama City, FL 32404

  DRASTIC REDUCTION AND READY TO SELL In the Highly Sought-After Barrett's Park Community! Just off Hwy 231 in beautiful Panama City, FL, where comfort, convenience, and charm come together—welcome home!Tucked away at the end of a quiet cul-de-sac, this spacious 5-bedroom (with possible 6th!), 3-bath home is ideal for peaceful evenings, bike rides, and neighborhood strolls. Step inside to

  Whitney Durham Beach House Sales and Development

  7245 Ellie B Dr, Panama City, FL 32404
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  /14

  $79,990

  5304 Hopetown Ln, Panama City, FL 32408

  Great News! Price just lowered- Now is the perfect time to build your dream home in Martinique!! This residential lot is located in one of Panama City Beach's most exclusive private communities, just minutes from the sugar-white beaches and close to iconic restaurants like Captain Anderson's and Grand Marlin. Martinique offers amenities such as a community pool, sports courts, playgrounds,

  Veronica Mancilla Beachy Beach Real Estate

  5304 Hopetown Ln, Panama City, FL 32408
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  /34

  $425,000

  • 3 Beds
  • 2 Baths
  • 1,933 Sq Ft

  204 Verde Wood Cir, Panama City, FL 32408

  Welcome to 204 Verde Wood Circle, a cozy coastal retreat tucked away on a quiet cul-de-sac just minutes from the world-famous beaches of Panama City Beach. This beautifully refreshed 3-bedroom, 2-bath home perfectly blends comfort, efficiency, and Florida charm. Step inside to find a light, beachy interior with fresh paint and open living spaces that feel instantly inviting. The kitchen and

  Zachary Murzyn Secure Real Estate

  204 Verde Wood Cir, Panama City, FL 32408
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  /20

  $499,000 New Construction

  • 4 Beds
  • 3 Baths
  • 2,230 Sq Ft

  2963 Frankford Ave, Panama City, FL 32405

  Welcome to your dream home! This beautifully built, brand new construction home on an oversized lot offers everything you've been searching for — without the restrictions of an HOA! Located immediately adjacent to the Sweet Bay Community, set on an LARGE lot, this property boasts a fully fenced in backyard, perfect for pets, play, entertaining, or future outdoor upgrades. There's ample room for a

  Chad Bruce Coastal Sun Realty LLC

  2963 Frankford Ave, Panama City, FL 32405
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  /53

  $384,900

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

  9860 S Thomas Dr Unit 1026, Panama City, FL 32408

  Enjoy the amazing Gulf Views from the 10th floor of Laketown Wharf Resort. With private access gate to the beach and 5 pools, pickleball, bars, pizza, seafood, taco, Ice cream and more available, you always feel like there is something fun to do at this resort.This unit is a spacious 2 Bedroom, +Bunkroom, 2 Full Baths, being sold completely furnished, includes all major kitchen and laundry

  Mark Chambliss Coastal Palms Real Estate

  9860 S Thomas Dr Unit 1026, Panama City, FL 32408
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  /4

  $88,500

  • 3 Beds
  • 1 Bath
  • 1,000 Sq Ft

  1007 E 9th Ct, Panama City, FL 32401

  Good news to the buyer!! The owner has already completed a full clean-up and demo of the kitchen, so it's ready to renovate. The house is a solid block construction home on good bones. It has a metal roof that's under 10 years old. It's in an area with a lot of growth and potential. Swing by and take a look at your next fixer upper!

  Iesha Woodfaulk The Premier Property Group Seacrest Office

  1007 E 9th Ct, Panama City, FL 32401
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  /16

  $415,000

  • Land
  • 0.46 Acre
  • $902,174 per Acre

  1505 Fairy Ave, Panama City, FL 32405

  Commercial property ready to build on. 144 ft. road frontage. Zoned GC2, Offices, small,, business shops . Very convenient to 15th St. Has water, Power, all available.Level lot. just off 15th St.

  Marcia Preston CENTURY 21 Commander Realty

  1505 Fairy Ave, Panama City, FL 32405
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  /47

  $705,000

  • 4 Beds
  • 2.5 Baths
  • 2,018 Sq Ft

  5433 Hopetown Ln, Panama City, FL 32408

  *Motivated Seller* Stunning CUSTOM HOME in the Gated Community of Martinique Experience luxury living in this 2021-built custom home located in the exclusive gated community of Martinique. This 4-bedroom, 2.5-bathroom residence boasts exquisite craftsmanship along with high-end finishes and impact glass window throughout. Step inside to find stained concrete floors on the main level and luxury

  James Griffitts EXP Realty LLC

  5433 Hopetown Ln, Panama City, FL 32408
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  /46

  $324,900

  • 3 Beds
  • 2 Baths
  • 1,736 Sq Ft

  5031 Park St, Panama City, FL 32404

  Welcome to Park Street! This charming and well-established neighborhood is conveniently located near a variety of restaurants, shops, parks, local beaches, grocery stores, and gyms and is just a short drive to Panama City Beach. This brick home has been completely remodeled to meet today's standards of beauty while still preserving its original charm and character. It features tile and solid oak

  Melany Hathcock Keller Williams Success Realty

  5031 Park St, Panama City, FL 32404
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  /45

  $989,000

  • 3 Beds
  • 2 Baths
  • 1,801 Sq Ft

  8715 Surf Dr Unit 107, Panama City, FL 32408

  Welcome to coastal living at its finest! This beautifully updated, fully furnished, ground-floor 3 bedroom, 2 bathroom condo at 8715 Surf Drive, Unit 107 offers unbeatable convenience with direct beach access and a dedicated parking space just steps from your door. The open floor plan seamlessly connects the kitchen, dining, and living areas—perfect for relaxing or entertaining after a day in the

  Zacarias Sanchez Think Real Estate

  8715 Surf Dr Unit 107, Panama City, FL 32408
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  /11

  $267,900 New Construction

  • 4 Beds
  • 2 Baths
  • 1,504 Sq Ft

  The Bowen Plan at Liberty, Panama City, FL 32404

  Welcome to the Bowen, a new floor plan located at Liberty in Panama City, Florida. The Bowen is a spacious single-story home floor plan just over 1,500 square feet with 4-bedrooms with 2-bathrooms, and a 1-car garage. Met with an inviting foyer, and a hall leading to the second and third bedrooms; with a full bathroom tucked in between. Also, upon entering the home you will have immediate access

  D.R. Horton Builder

  6225 Chapman Ln Unit 38708014, Panama City, FL 32404
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  /31

  $100,000

  5228 Kingston Cir, Panama City, FL 32408

  Welcome to Martinique, one of Bay County's most desirable gated communities! Martinique is conveniently located... in close proximity to the beach, St. Andrew's State Park, some of PCB's best restaurants, live music venues and shopping! Martinique was designed with elegant architectural aesthetics in mind while retaining a sense of natural beauty. It's not an usual occurrence to see deer in your

  Tammy Smith Epique Realty Inc

  5228 Kingston Cir, Panama City, FL 32408
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  /9

  $250,000

  • Land
  • 1.38 Acres
  • $181,159 per Acre

  7739 N Highway 231, Panama City, FL 32404

  Outstanding corner across from the intermodal distribution center on Hwy 231 at the corner of Morningside Drive, NEW residential subdivision. Traffic County 27,500 AADT and growing! This is one of three parcels of equal size adjoining, totaling 600 feet and 4.1 acres available. Owner has cleared, added fill to make the property shovel ready. County GIS shows elevation 55-60 feet above sea level.

  Tom Neubauer ERA Neubauer Real Estate Inc

  7739 N Highway 231, Panama City, FL 32404
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  /9

  $499,000

  • Land
  • 0.7 Acre
  • $712,857 per Acre

  612 Mckenzie Ave, Panama City, FL 32401

  612 McKenzie Ave is a large valuable commercial investment property located inside the downtown district of Panama City. Zoned commercial DTD, which aligns with the vision of redevelopment and vitality in the downtown area and allows for many different commercial or residential uses. If you are an investor looking to invest in the growth of the downtown district this property can be developed and

  Elaine Fenster Coastal Palms Real Estate

  612 Mckenzie Ave, Panama City, FL 32401
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  /28

  $387,500

  • 1 Bath
  • 656 Sq Ft

  436 Harrison Ave Unit 15, Panama City, FL 32401

  A New Era in Historic Downtown Panama City! Introducing The Mashburn Building—an iconic four-story development redefining luxury and community in the heart of Historic Downtown Panama City. Featuring 27,000 square feet of historic charm, this distinctive property offering industrial-style residential lofts on the third and fourth floors, each with nearly 12-foot ceilings, polished concrete

  Kristen Barr Counts Real Estate Group Inc

  436 Harrison Ave Unit 15, Panama City, FL 32401
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  /108

  $2,900,000

  • 5 Beds
  • 4 Baths
  • 5,100 Sq Ft

  6620 Gulf Dr, Panama City, FL 32408

  Experience resort-style living in this move-in ready, luxury coastal home—just steps from the beach! This custom-built property features 5 large bedrooms, 4 full baths, 2 fully-equipped kitchens, and an attached 2-car garage, perfect for multi-generational living or hosting guests. Enjoy 10-foot ceilings and elegant crown molding throughout, two expansive porches with panoramic Gulf views, and a

  Joan Altenpohl Coastal Real Estate Group, Inc

  6620 Gulf Dr, Panama City, FL 32408
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  /11

  $267,900 New Construction

  • 4 Beds
  • 2 Baths
  • 1,504 Sq Ft

  7310 Charles Loring Jr Rd, Panama City, FL 32404

  Welcome to 7310 Charles Loring Jr. Road, a new home located at Liberty in Panama City, Florida. The Bowen is a spacious single-story home floor plan just over 1,500 square feet with 4-bedrooms with 2-bathrooms, and a 1-car garage. Met with an inviting foyer, and a hall leading to the second and third bedrooms; with a full bathroom tucked in between. Also, upon entering the home you will have

  D.R. Horton Builder

  7310 Charles Loring Jr Rd, Panama City, FL 32404
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  /3

  $225,000

  • Land
  • 0.47 Acre
  • $478,723 per Acre

  2414 Michigan Ave, Panama City, FL 32405

  Fantastic location just north of 23rd street and Michigan avenue, heart of Panama City. .47 acres zoned R-2, can build 3-4 residential homes or (2) duplexes. Property currently has commercial grade fence with asphalt milled parking lot, seller will negotiate fence and parking lot material if buyer doesn't need. Seller is a licensed realtor. All information deemed reliable please verify for

  Scott Helms Eagle American Realty Group LLC

  2414 Michigan Ave, Panama City, FL 32405
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  /31

  $250,000 New Construction

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

  1409 E 6th Ct, Panama City, FL 32401

  Back on the market no fault to seller. Recently appraised at $260,000. Brand-new construction home, ideally located just 23 minutes from the beach and 7 minutes from historic downtown. This corner lot residence has 3 bedrooms, 2 modern bathrooms, and an expansive 1320 sq ft layout with a large kitchen that's perfect for gatherings. Enjoy the convenience of being close to Watsons Landings Marina,

  Danielle Britton World Impact Real Estate

  1409 E 6th Ct, Panama City, FL 32401
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  /9

  $89,900

  • 3 Beds
  • 2 Baths
  • 1,248 Sq Ft

  250 Nelle Ave Unit M, Panama City, FL 32404

  Your Worry-Free Sanctuary: The Clayton "Three Little Birds" Description: Step into a home where every little thing feels alright. Inspired by a spirit of peaceful, easy living, the "Three Little Birds" by Clayton Homes is the sanctuary you've been searching for. This charming model is designed to be your personal retreat from the hustle and bustle, a place where you can truly

  Auzzi Dixon Palm Haven

  250 Nelle Ave Unit M, Panama City, FL 32404
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  /2

  $35,000

  1347 Mercedes Ave, Panama City, FL 32401

  Fantastic opportunity for the savvy investor. Approved to build a single family home or a duplex. A great deal for a single home but a super deal for a duplex at $17,500 lot costs per unit. Owner is starting to work on a duplex plan but would prefer to sell raw land. The property next door is also available with the same terms. Check out 900 E 14th St

  James Cameron JC Real Estate Group, LLC.

  1347 Mercedes Ave, Panama City, FL 32401
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  /6

  $59,999

  • Land
  • 0.62 Acre
  • $96,773 per Acre

  216 Skywater Dr, Panama City, FL 32404

  This 0.62-acre vacant lot in Bay County, FL offers an unbeatable location with power at the site, public water, and convenient paved road access. Ideally situated just a couple minutes to Tyndall AFB and only a couple of miles from Sacred Heart Hospital, the property is also close to schools, shopping, dining, and all essential services. Enjoy easy access to the stunning Panama City beaches, only

  Zach Hilferding NEW ALLIANCE GROUP REALTY

  216 Skywater Dr, Panama City, FL 32404
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  /29

  $284,500

  • 1 Bed
  • 1.5 Baths
  • 740 Sq Ft

  8743 Thomas Dr Unit 916, Panama City, FL 32408

  Welcome to The Summit Unit 916, a vibrant Gulf Front Condo that captures the essence of beach living. Step into a coastal oasis adorned with a lively Sea Life Mural complemented by Bead Board and Chair Rail detailing. This spacious condo boasts a generously sized bedroom, adaptable to your preferences - whether it's two queen beds or a luxurious king bed paired with a convenient small Daybed.

  Billy Richard Realty Mark Associates

  8743 Thomas Dr Unit 916, Panama City, FL 32408
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  /24

  $225,000 Pre-Foreclosure

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

  3111 E 2nd Plaza, Panama City, FL 32401

  Price improved and ready for its next owner!!!! This 3 bedroom 2 bath home combines modern construction with a functional split floor plan and classic curb appeal. The exterior showcases a clean look with a durable metal roof, modern siding, and a welcoming front entry. Inside, a light filled living area flows into the dining space and kitchen, creating an easy everyday layout. The kitchen offers

  Savannah Shand Empire Real Estate of Florida LLC

  3111 E 2nd Plaza, Panama City, FL 32401
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  /9

  $625,000

  • Land
  • 2.68 Acres
  • $233,209 per Acre

  5412 E Hwy 22, Panama City, FL 32404

  Prime commercial property located at the highly trafficked Highway 22 and 1,000 feet west of Tyndall Parkway (Highway 98). Zoned Commercial within the City limits of Callaway. Great visibility and easy access. 2.68 acres of land. Central location. Potential uses include, but are not limited to, warehouse, office, service retail, hotel, etc.

  Chris McCall Counts Real Estate Group Inc

  5412 E Hwy 22, Panama City, FL 32404
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  /4

  $124,900

  • Land
  • 2.25 Acres
  • $55,511 per Acre

  7809 John Pitts Rd, Panama City, FL 32404

  2+ acre parcel located right on a county paved road. This lot has been cleared and is ready to build your dream home!

  Regina Puckett Anchor Realty Florida

  7809 John Pitts Rd, Panama City, FL 32404
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  /11

  $20,000

  00 Cue Dr, Panama City, FL 32404

  Discover a great opportunity to own 1.03 acres of residential land in a growing area of Panama City. Zoned R-1 Single Family, this property offers plenty of space for a new home or future investment. The location provides privacy and a peaceful setting while remaining convenient to schools, shopping, and local amenities. With public road frontage and nearby residential development, this parcel is

  Angela Foust Performance Realty

  00 Cue Dr, Panama City, FL 32404
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  /16

  $48,000

  12842 Airway St, Panama City, FL 32404

  Welcome to Sandy Creek Airpark! A gated residential airpark community that features a 3,200 ft. paved runway, with lights and a beacon for night operations. The large cleared lots are big enough to build your custom dream home with a private hangar. This runway lot features direct taxiway access to the runway. The very low HOA dues maintain the common areas(runway, roads, taxiways and easements).

  Bruce Mackay ERA Neubauer Real Estate Inc

  12842 Airway St, Panama City, FL 32404
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  /29

  $360,000

  • 4 Beds
  • 3 Baths
  • 1,802 Sq Ft

  5338 Frank Hough Rd, Panama City, FL 32404

  A beautifully renovated 4-bedroom, 3-bath home ideally situated in the desirable Cherokee Heights area of Panama City. Blending classic charm with modern comfort, this spacious residence offers an open, inviting layout perfect for both everyday living and entertaining.Step inside to find a bright and airy main living area featuring new durable tile flooring throughout and an open-concept

  Melissa Hinote MATCHMAKER REALTY OF ALACHUA COUNTY

  5338 Frank Hough Rd, Panama City, FL 32404
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  /42

  $389,000

  • 3 Beds
  • 2 Baths
  • 1,478 Sq Ft

  6325 Elm St, Panama City, FL 32408

  Discover the perfect blend of comfort, convenience, and coastal charm at 6325 Elm Street in Panama City Beach, FL. Beautifully renovated, updated, decorated, and fully rental-ready, this turnkey property offers documented rental history and future bookings secured through March 2026—a rare opportunity for both investors and second-home seekers. Ideally located less than 2 miles from the beach and

  Scott Suber Beach Haven Realty

  6325 Elm St, Panama City, FL 32408
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  /49

  $425,000

  • 3 Beds
  • 2 Baths
  • 1,634 Sq Ft

  7048 Hugh Dr, Panama City, FL 32404

  Welcome to this charming, meticulously cared for brick home in the peaceful Callaway Shores community, offering beautiful views of Callaway Bayou and over 1/3 acre of outdoor space. Enjoy the quiet, coastal lifestyle with a huge circular driveway and a 2-car garage. Step inside to a bright living area with a vaulted ceiling and a comfortable layout. The master suite features cathedral ceilings,

  Morgan Benton EXP Realty LLC

  7048 Hugh Dr, Panama City, FL 32404
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  /53

  $589,500

  • 4 Beds
  • 2.5 Baths
  • 3,027 Sq Ft

  7017 Hugh Dr, Panama City, FL 32404

  Waterfront Living in Callaway Shores Deep Water Access with Bayou Views! Welcome to 7017 Hugh Drive, a stunning 4-bedroom, 2.5-bath ranch-style home with over 3,100 sq ft of beautifully updated living space on a spacious 0.61-acre lot. Nestled along the serene Callaway Bayou with 103 feet of waterfront, this home offers direct access to the Intracoastal Waterway and is just a short boat ride

  Team Don and Bubba EXP Realty LLC

  7017 Hugh Dr, Panama City, FL 32404
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  /14

  $115,000

  • Land
  • 3.15 Acres
  • $36,508 per Acre

  0 N Berthe Ave Unit 780682, Panama City, FL 32404

  3.15 Acres located at the curve of Pittsburgh and Berthe. Great location being unincorporated to allow farm animals, bring your horses! The property is next to a power line easement allowing that area to possibly be used for additional riding. Eligible for mobile home or new construction build. The county has also granted the gravel portion of the road to the seller making the parcel a bit

  Coralee King Beachy Beach Real Estate

  0 N Berthe Ave Unit 780682, Panama City, FL 32404

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