Panama City, FL Homes for Sale with No HOA Fee

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  /30

  $162,000

  • 2 Beds
  • 1 Bath
  • 944 Sq Ft

  1311 Clay Ave, Panama City, FL 32401

  St Andrews Florida cottage south of 15th Street. This cute 2 bedroom 1 bath needs a little love and has great potential. The large fenced yard has a well and sprinkler system, a seperate workshop/garage for projects or storage, and a backdeck for relaxing and outdoor grilling. The house has a sunroom, living room/dining room, kitchen, mudroom/laundry room, 2 bedrooms and 1 bath. The bath has been

  Mary Sowell Keller Williams Success Realty

  1311 Clay Ave, Panama City, FL 32401
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  /35

  $1,995,000

  • Land
  • 86.61 Acres
  • $23,034 per Acre

  0 Laura Bluff Rd Unit 695288, Panama City, FL 32404

  This incredible 86.81 acres vacant land sits on a high bluff some 20-30 feet above the water. Aprox. 400 feet waterfront. What an incredible location to build your own private and fascinating estate set amid privacy, you could even have horses here, and the water depth just right off the shore is an incredible 12 ft deep, so bring your yacht up into this private and protected cove! Old boat dock

  Dennis Dunnigan Coastal Choice Realty LLC

  0 Laura Bluff Rd Unit 695288, Panama City, FL 32404
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  /91

  $750,000

  • 3 Beds
  • 3 Baths
  • 2,072 Sq Ft

  4050 Marriott Dr Unit 3609, Panama City, FL 32408

  Experience FULLY FURNISHED luxury waterfront living in Panama City Beach! Come see this turn-key, impeccably remodeled 3-bedroom, 3-bath condominium at The Grand in Bay Point, offering breathtaking views of the Grand Lagoon, Shell Island, and the Gulf. A large entry foyer leads into an expansive open living and dining area flooded with natural light and showcasing stunning views of both the water

  Michele Morros Keller Williams Success Realty

  4050 Marriott Dr Unit 3609, Panama City, FL 32408
• 

  

  

  /23

  $279,900

  • 3 Beds
  • 2 Baths
  • 1,532 Sq Ft

  4934 Donalson Rd, Panama City, FL 32404

  Charming 3 Bedroom Home in lovely Donalson Point - Parker, FLWelcome to this nicely updated 3-bedroom, 2-bath single-family home located in the desirable Donalson Point neighborhood of Parker. Freshly painted with brand-new LVP flooring throughout, this home offers a clean, modern feel from the moment you step inside.Situated on a large residential lot, the property provides plenty of

  Rosalind Smothers Carroll Realty Prop Mgt Inc

  4934 Donalson Rd, Panama City, FL 32404
• 

  

  

  /19

  $229,900

  • 912 Sq Ft

  1216 Martin Luther King Junior Blvd, Panama City, FL 32401

  LOCATION, LOCATION, LOCATION! This centrally located corner property on a high-traffic road offers excellent visibility and versatility â” ideal as a private residence or to continue being used as a business, with proper permits already in place. The property features laminate flooring (installed in 2021), a new roof (2020), and a new central HVAC system (2024). A commercial-grade parking lot was

  Ramil Zartdinov Local Insight Realty

  1216 Martin Luther King Junior Blvd, Panama City, FL 32401
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  /33

  $330,000

  • 3 Beds
  • 2 Baths
  • 1,676 Sq Ft

  105 N Marie Dr, Panama City, FL 32401

  Meet ''The Cove Charmer'' — where historic charm meets modern living in the heart of the sought-after Cove. This beautifully renovated 3-bedroom, 2-bath home has been thoughtfully updated with new flooring, freshly painted throughout, windows, doors, roof, a spacious new back porch, and stylishly refreshed bathrooms and kitchen. From the moment you step inside, you're greeted with bright,

  Mindy Wright Epique Realty Inc

  105 N Marie Dr, Panama City, FL 32401
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  /34

  $334,900 New Construction

  • 4 Beds
  • 2.5 Baths
  • 1,722 Sq Ft

  3115 Breezy Bay Ct, Panama City, FL 32409

  Welcome to 3115 Breezy Bay Court, a new home at Hodges Bayou Plantation in Southport, Florida. This Taylor plan has four bedrooms, two full bathrooms, one half bathroom, and a two-car garage. Step inside through the covered entry where you will find beautiful EVP flooring leading into the spacious living room designed with open concept kitchen overlooking the living area, dining room, and covered

  D.R. Horton Builder

  3115 Breezy Bay Ct, Panama City, FL 32409
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  /24

  $274,900

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

  9860 S Thomas Dr Unit 127, Panama City, FL 32408

  Welcome to Laketown Wharf unit 127, a well-priced first floor condominium located directly above the resort's premier amenities. This two bedroom, two bath unit includes a dedicated bunk room and is being sold fully furnished, complete with newer appliances, offering a turn key transition for the right buyer or investor. The open-concept floor plan provides a seamless flow between the kitchen,

  Dale Gumm Anchor Realty Florida

  9860 S Thomas Dr Unit 127, Panama City, FL 32408
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  /31

  $194,900

  • 2 Beds
  • 1.5 Baths
  • 952 Sq Ft

  1724 Alabama Ave, Panama City, FL 32401

  Nestled just 1.5 blocks from the bay with public access, this super charming 2-bedroom, 1.5-bath home blends modern updates with classic character on a quiet, dead-end street that ends at the water. Step inside to discover real hardwood floors throughout the main living areas and updated linoleum in the bathrooms. The renovated kitchen features stainless steel appliances and flows effortlessly

  Nicole Ludwig EXP Realty LLC

  1724 Alabama Ave, Panama City, FL 32401
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  /3

  $600,000

  000 Cooks St, Panama City, FL 32404

  - Approximately 4 acres of subdividable, waterfront property- Direct deep water access on St. Andrew's Bay- Convenient access to the Intracoastal Waterway and the Gulf of Mexico- Strategic location within minutes of Tyndall Air Force Base- Rare opportunity to secure expansive waterfront property

  Brent Faison NAI TALCOR

  000 Cooks St, Panama City, FL 32404
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  /48

  $284,000

  • 3 Beds
  • 2 Baths
  • 1,403 Sq Ft

  6570 Atkins Rd, Panama City, FL 32404

  Welcome to Liberty — where comfort, convenience, and community come together! This beautiful corner-lot home is located in the highly desirable Liberty community, one of Bay County's premier neighborhoods known for its resort-style amenities and welcoming small-town atmosphere. Designed with modern living in mind, this home is move-in ready and comes with an existing 10-year structural warranty,

  Vianah Seamon Anchor Realty Florida

  6570 Atkins Rd, Panama City, FL 32404
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  /59

  $340,000

  • 1 Bed
  • 2 Baths
  • 893 Sq Ft

  6213 Thomas Dr Unit 505, Panama City, FL 32408

  Highly Desirable and well maintained condominium located directly on the Beach. This 1 bedroom 2 Bath Condo is complete with ''Beachy Decor'' fully furnished and rental ready. Large Master Bedroom has two Queen size beds with an additional Queen Sleeper sofa in the living area. Kitchen cabinets and appliances have been updated. The Private Covered Balcony is a Huge Plus! Gorgeous views of the

  Barbara McDonald CitiStar Realty

  6213 Thomas Dr Unit 505, Panama City, FL 32408
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  /5

  $1,149,000

  • Land
  • 6 Acres
  • $191,500 per Acre

  7030 Florida 77, Panama City, FL 32409

  Great Commercial Hight Traffic corner in Southport. Perfect for Convience food store or Restaurant

  Maxie Fleming-Hecht Lagoon Realty

  7030 Florida 77, Panama City, FL 32409
• 

  $470,983 New Construction

  • 4 Beds
  • 2 Baths
  • 1,541 Sq Ft

  1510 Drift Rose Ct, Panama City, FL 32405

  The Waverly plan by Harris Doyle Homes is offered in Indigo Lakes. This sought after single level home offers an expansive vaulted ceiling in both the dining and open great room. The gorgeous island kitchen comes standard with stainless appliances, stone countertops and a tile backsplash. The private primary suite has a spacious bath with tile-to-ceiling shower, dual vanities, and an adjoining

  Harris Doyle Homes Builder

  1510 Drift Rose Ct, Panama City, FL 32405
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  /10

  $1,295,000

  • Land
  • 2.24 Acres
  • $578,125 per Acre

  2629 E 15th St, Panama City, FL 32405

  Build your new business HERE! This is one of the highest traffic vacant corner locations in the central Panama City area with over 30,000 cars per day. The corner is 2.24 Acres and zoning is General Commercial C3 which will allow most businesses to operate without further zoning considerations. The corner offers ingress/egress from both Hwy 98 and East Ave. Location is in the Hwy 98 growth

  Patrick Casey Full Sail Realty of NWFL

  2629 E 15th St, Panama City, FL 32405
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  /65

  $1,499,000

  • 4 Beds
  • 4 Baths
  • 3,871 Sq Ft

  4311 de Len Dr, Panama City, FL 32404

  Discover the epitome of luxury and unlock your dream lifestyle with an irresistible offer of owner financing at just 4.5%! Experience firsthand this breathtaking Deer Point Lake front sanctuary that redefines elegance and sophistication. Welcome to a magnificent 4-bedroom, 4-bathroom custom brick residence, a rare masterpiece complete with dual master suites—one on each level for the discerning

  Mowayne Copeland Keller Williams Success Realty

  4311 de Len Dr, Panama City, FL 32404
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  /41

  $280,000

  • 3 Beds
  • 1 Bath
  • 1,118 Sq Ft

  440 S Macarthur Ave, Panama City, FL 32401

  Welcome to your new home in the highly sought-after Cove neighborhood in historic downtown, Panama City! This delightful 3-bedroom, 1-bathroom residence, originally built in the 1940s, combines timeless charm with modern updates. Step inside to discover a beautifully maintained interior that showcases the character of an older era while offering contemporary comforts. Recent updates include a

  Olivia Sanchez Think Real Estate

  440 S Macarthur Ave, Panama City, FL 32401
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  /6

  $559,917

  • 8 Beds
  • 8 Baths
  • 4,104 Sq Ft

  1513 Bob Loftin Rd, Panama City, FL 32405

  Turn key quadplex in a great central location convenient to Highway 98. Property boasts a new metal roof after Hurricane Michael, excellent rental history and little maintenance. Owner responsibilities are limited with each unit being separately metered and residents paying their own utilities. Live in one and rent out the rest to or rent all 4 for a cash flow machine!

  Cain Mcneil CENTURY 21 Commander Realty

  1513 Bob Loftin Rd, Panama City, FL 32405
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  $645,733 New Construction

  • 4 Beds
  • 3 Baths
  • 2,395 Sq Ft

  1219 Wildflower Ct, Panama City, FL 32405

  The St. Andrew plan by Harris Doyle Homes is offered in Indigo Lakes and offers unrivaled single-level living! The large great room includes a vaulted ceiling and connects to the dining room and island kitchen with stainless appliances, stone countertops and tile backsplash all included. The primary suite is massive with a spacious bath including tile-to-ceiling shower, dual vanities, optional

  Harris Doyle Homes Builder

  1219 Wildflower Ct, Panama City, FL 32405
• 

  Price To Be Determined New Construction

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

  Plan 1720 at East Bay, Panama City, FL 32404

  Adams Homes Builder

  11737 Poston Rd Unit 36470526, Panama City, FL 32404
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  /40

  $289,900

  • 4 Beds
  • 2 Baths
  • 1,788 Sq Ft

  7225 Ellie B Dr, Panama City, FL 32404

  4 bedroom/2 bathroom 'Cali' floor plan located just just off Hwy 231! This floor plan boasts 2 secondary bedrooms and full guest bathroom off the entry way with the third bedroom and laundry room adjacent sitting. Entryway leads to a open-concept kitchen showcasing lvp flooring, recessed lighting, stainless steel appliances, pantry, and kitchen island/ breakfast bar. Kitchen overlooks a spacious

  Christina Daniels Keller Williams Success Realty

  7225 Ellie B Dr, Panama City, FL 32404
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  /53

  $729,900

  • 2 Beds
  • 2 Baths
  • 1,441 Sq Ft

  6201 Thomas Dr Unit 1008, Panama City, FL 32408

  LOCATION, LOCATION, LOCATION.... If you've been searching for the PERFECT BEACH FRONT CONDO on Panama City Beach, your search ends here! Welcome to Unit 1008 at Watercrest, one of the most desirable residences on the Emerald Coast. With 1,441 square feet, this beautifully designed 2-bedroom, open-concept condo delivers everything buyers want—and very few ever get! Why is the 08 stack so coveted?

  Fred Peak Jr. Realty Mark Associates

  6201 Thomas Dr Unit 1008, Panama City, FL 32408
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  /51

  $298,000

  • 1 Bed
  • 1 Bath
  • 750 Sq Ft

  4115 Albacore St Unit 6, Panama City, FL 32408

  Beautiful updated condo a half a block to white sandy Beach! This condo has had a total upgrade and is ready to be your primary home or vacation home/ rental beautifully done with Granite in the kitchen and bath,tiled shower with glass slider door and large closet in the master bedroom two slider doors access the gulf views and sunsets beach access number 19 which is your walkway to the beach is

  Kati Pullins Beachy Beach Real Estate

  4115 Albacore St Unit 6, Panama City, FL 32408
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  /25

  $229,499

  • 3 Beds
  • 2 Baths
  • 1,148 Sq Ft

  5245 Collins Dr, Panama City, FL 32404

  This well-maintained home is located just 5 miles from Tyndall Air Force Base, only an 8-minute drive away. It features a 576 sq ft workshop with electricity, offering ample space for projects or extra storage. The large, fenced backyard is perfect for outdoor activities, complete with an inground sprinkler system and a deck. Inside, you'll find a newer stove, refrigerator, fresh paint, and new

  Rebecca Mackey RE/MAX SELECT Partners

  5245 Collins Dr, Panama City, FL 32404
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  /48

  $425,000

  • 3 Beds
  • 2 Baths
  • 1,404 Sq Ft

  3912 Long John Dr, Panama City, FL 32408

  Looking for a Beach Home within walking distance to the beach and quiet east end 3912 Long John Drive is your new home . 3 Bedrooms 2 full baths with Heated and cooled sunroom make this a great primary home ,weekly rental home or second home. Metal roof put on November 2018.Kitchen has granite countertops and nice Stainless Appliances ,2 small pantry's and plenty of white shaker cabinets . The

  Lynne Hand Berkshire Hathaway HomeServices Beach Properties of Florida

  3912 Long John Dr, Panama City, FL 32408
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  /39

  $6,243,750

  • 33,060 Sq Ft

  3536 Saint John St, Panama City, FL 32401

  This 50-unit garden-style community delivers strong fundamentals and consistent performance, supported by a diverse unit mix of 8 one-bed, 20 two-bed, 12 three-bed, and 10 four-bed units. With 42 units renovated since 2020—featuring updated flooring, fresh paint, windows, and fixtures—the property offers modern appeal and reduced turnover risk. Additional income is generated through an on-site

  Marcy O'Donnell Luxe Coastal Realty Group LLC

  3536 Saint John St, Panama City, FL 32401
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  /70

  $1,125,000

  • 4 Beds
  • 3 Baths
  • 3,086 Sq Ft

  8829 N Lagoon Dr, Panama City, FL 32408

  Welcome to Poseidon's Palace—a waterfront retreat blending laid-back coastal living with proven short-term rental performance. This 4-bedroom, 3-bath home features a split layout for privacy, a dedicated game room, and a private gas-heated pool just steps from the water. Bring your boat and your sunscreen—the property includes a private dock with quick access to both the Bay and the Gulf for

  Caitlyn Hyatt Counts Real Estate Group Inc

  8829 N Lagoon Dr, Panama City, FL 32408
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  /30

  $233,000

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

  2130 Sterling Cove Blvd, Panama City, FL 32408

  Ideal location for this affordable 2BD/1.5BTH beach townhome in the gated community of Gates at Sterling Cove. This home features an open floor plan on the main level, with two spacious bedrooms and a full bath upstairs. Recent updates include a brand-new roof in 2025 and carpet replacement in 2021. The HOA covers pool access, lawn maintenance, pest service, yearly pressure washing, and garbage

  Ramil Zartdinov Local Insight Realty

  2130 Sterling Cove Blvd, Panama City, FL 32408
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  /45

  $429,900

  • 1 Bed
  • 2 Baths
  • 883 Sq Ft

  5115 Gulf Dr Unit 202, Panama City, FL 32408

  It is very RARE that a power bill is included in the HOA fees of a condominium. It is also a great thing when you see a second floor fully furnished unit become available in a Gulf Front high rise building. Seychelles is next door to a popular restaurant named SCHOONERS, so you can get a great lunch or dinner any old time. It gets better! There is value in the money spent on upgrades! The kitchen

  Holli Persall ERA Neubauer Real Estate Inc

  5115 Gulf Dr Unit 202, Panama City, FL 32408
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  /22

  $369,900 New Construction

  • 3 Beds
  • 2 Baths
  • 1,953 Sq Ft

  3841 Red Deer Cir, Panama City, FL 32404

  HOME IS PRICED WITH INCENTIVE INCLUDED FOR LIMITED TIME! *Special incentives for 5.99% interest rate and additional $3,000 towards closing costs with preferred lender OR flat 11k in closing costs* 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

  Charles Commander Jr. CENTURY 21 Commander Realty

  3841 Red Deer Cir, Panama City, FL 32404
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  /42

  $451,900 New Construction

  • 3 Beds
  • 2.5 Baths
  • 1,765 Sq Ft

  3600 Woods Ln, Panama City, FL 32408

  Welcome to 3524 Cottage Cove Lane, a new home at Sanctuary Beach in Panama City Beach Florida. This home is ready for move in and is situated on an interior lot. It features a bright 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

  Pamela Hawkins DR Horton Realty of Emerald Coast, LLC

  3600 Woods Ln, Panama City, FL 32408
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  /45

  $420,000

  • 4 Beds
  • 2.5 Baths
  • 2,463 Sq Ft

  2712 Woodmere Dr, Panama City, FL 32405

  Ask about FREE appraisal and NO lender fees (Total savings $1495)! EVERYDAY COMFORT IN FOREST PARK WITH ROOM FOR EVERYONE. Brick ranch living meets a flexible, family-friendly layout in this 4-bed, 2.5-bath home on a generous lot. Inside, raised and tray ceilings and a fireplace anchor the main living area, while a true split-bedroom plan adds privacy. The kitchen connects easily to the formal

  JAMIE KITZMILLER Think Real Estate

  2712 Woodmere Dr, Panama City, FL 32405
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  /40

  $290,000

  • 4 Beds
  • 2 Baths
  • 1,789 Sq Ft

  7106 Penn Way, Panama City, FL 32404

  Offering a $5,000 Seller Credit with an acceptable offer! Welcome to 7106 Penn Way; a move-in ready home where comfort, functionality, and family living come together. This Cali floor plan sits on a spacious lot in a quiet, community friendly subdivision. Step inside to a bright, open floor plan that's perfect for gatherings and everyday life. The spacious living area flows seamlessly into the

  Joshua Hoey Think Real Estate

  7106 Penn Way, Panama City, FL 32404
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  /48

  $379,900

  • 3 Beds
  • 2 Baths
  • 1,918 Sq Ft

  2708 Camryns Ct, Panama City, FL 32405

  Welcome to 2708 Camryns Court, a 3-bedroom 2-bath home offering 1,918 square feet of comfortable living on a quiet cul-de-sac. Built in 2011, this property blends functionality, generous living spaces, and thoughtful upgrades that set it apart in a desirable Panama City location. The front entry opens into a spacious living area filled with natural light and an easy-flowing layout that connects

  Timothy Shand Empire Real Estate of Florida LLC

  2708 Camryns Ct, Panama City, FL 32405
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  /52

  $474,000

  • 3 Beds
  • 3 Baths
  • 1,483 Sq Ft

  9860 S Thomas Dr Unit 501, Panama City, FL 32408

  Welcome to one of the best located condos in the building. This EPIC end-unit three-bedroom condo combines STUNNING GULF views, a HUGE wrap around balcony, and an IDEAL location on the low fifth floor just one floor above an amazing pool and owner parking deck. With 1483 sf, three bedrooms, three full baths, and bunk room this condo provides ample room for up to ten people. This rental machine

  Marty Webster Counts Real Estate Group Inc

  9860 S Thomas Dr Unit 501, Panama City, FL 32408
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  /23

  $409,900

  • 1 Bed
  • 2 Baths
  • 883 Sq Ft

  5115 Gulf Dr Unit 1004, Panama City, FL 32408

  **Great Price Adjustment!!** Experience true coastal living at Seychelles Resort Condominiums. This 10th floor unit overlooks the sugar sand beaches and emerald waters of the Gulf. Enjoy your private balcony and the coastal breeze while taking in the panoramic sunsets over the gorgeous Gulf of America/Mexico—perfect for relaxing or entertaining. After a day at the beach, enjoy one of the 2 pools

  Janice Wester Beachy Beach Real Estate

  5115 Gulf Dr Unit 1004, Panama City, FL 32408
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  /20

  $299,000

  • 4 Beds
  • 2 Baths
  • 1,830 Sq Ft

  5056 Rivergrass Dr, Panama City, FL 32404

  Short Sale opportunity in the desirable Titus Park community! This home offers a fantastic chance for buyers ready to add their personal touch while enjoying a well-established neighborhood. Featuring a functional layout with comfortable living spaces, this property is ideal as a primary residence, second home, or investment opportunity. This 4 bedroom 2 bath home with split floor plan has been

  The Wheeler Sauls Collective Salty Marlin Realty LLC

  5056 Rivergrass Dr, Panama City, FL 32404
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  /16

  $219,000

  1112 Cove Pointe Dr, Panama City, FL 32401

  Tucked away on historic Watson Bayou, 1112 Cove Pointe Drive offers a solid foundation for the coastal home you've been envisioning. The vacant lot offers direct waterfront access and sits nestled in the highly desirable Cove Pointe community—an enclave known for its charm and peaceful waterfront setting. With a beautifully landscaped natural backdrop, this property delivers the ideal blend of

  Jordan Jarrett Keller Williams Success Realty

  1112 Cove Pointe Dr, Panama City, FL 32401
• 

  

  /29

  $181,997

  • 3 Beds
  • 2 Baths
  • 1,296 Sq Ft

  5548 Glens Way Rd, Panama City, FL 32404

  Step inside this beautifully updated 3 bedroom, 2 bathroom home, perfectly set on a spacious half-acre lot in Panama City. With fresh upgrades throughout, this property combines modern comfort with a peaceful neighborhood feel. ✨ Features You'll Love: Brand new countertops that add style and durability to your kitchen. New flooring throughout, giving the home a clean, modern look.

  kyle Ballif EXP Realty LLC

  5548 Glens Way Rd, Panama City, FL 32404
• 

  

  /13

  $199,000

  • Land
  • 0.67 Acre
  • $297,015 per Acre

  697 W 13th St, Panama City, FL 32401

  Commercial vacant lot at 697 W. 13th Street! Fully cleared and ready to build, this centrally located property sits just off 15th Street, offering excellent exposure and easy access to schools, shopping, and thriving local businesses. Zoned General Commercial-1. Buyer to verify all available utiltiie and measurements.

  Zack Seltzer Seltzer Real Estate, LLC

  697 W 13th St, Panama City, FL 32401

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