Panama City, FL Homes for Sale with No HOA Fee

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  /36

  $389,000

  • 3 Beds
  • 2 Baths
  • 1,835 Sq Ft

  4415 College Station Rd, Panama City, FL 32404

  Beautifully Remodeled Home on a full one Acre of land. Centrally located, this 1,835 sq. ft. home offers the perfect blend of comfort, privacy, and convenience. Home has been completely remodeled to include new walls, ceilings, wiring throughout, flooring, appliances, water heater, roof and painting. This beautiful home is like new and features 3 bedrooms, 2 baths, an office, spacious living

  Daryle Burkey Coldwell Banker Realty

  4415 College Station Rd, Panama City, FL 32404
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  /50

  $499,000

  • 3 Beds
  • 2 Baths
  • 1,068 Sq Ft

  73 Gulf Loop, Panama City, FL 32408

  Amazing location on this 3 bedroom, 2 bath home with home with amazing views of St. Andrews State Park right in your own backyard. The kitchen is large and open to the living room. Great open floor plan and all of the rooms are good size! This home will be sold furnished and turnkey ready for rentals or make this gorgeous home your 2nd home! The best part of all is the stunning views of St.

  David & Kelli Sims Sims Resort Realty, Inc

  73 Gulf Loop, Panama City, FL 32408
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  /20

  $279,000

  • 3 Beds
  • 2 Baths
  • 1,535 Sq Ft

  7539 Kelsey Dr, Panama City, FL 32404

  Looking for a great place to call home as a first time homebuyer or ready to downsize? Look no further than this gem in Shadow Bay. With the convenience of close proximity to Tyndall AFB, shopping and restaurants Shadow Bay is tough to beat for convenience and affordability. There is no HOA. With sidewalks throughout the neighborhood, it is a great place for safely walking the dog or going on a

  Andrea Owens Dalton Wade Inc

  7539 Kelsey Dr, Panama City, FL 32404
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  /7

  $325,000

  • Land
  • 3.3 Acres
  • $98,485 per Acre

  1137 1/2 E 15th St, Panama City, FL 32405

  3.3 acres of light industrial vacant land on E 15th St . Approximately 125ft of road frontage. Great location for New Business lots of traffic ..

  Antonio Bellamy Beachy Beach Real Estate

  1137 1/2 E 15th St, Panama City, FL 32405
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  /23

  $365,000 New Construction

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

  3833 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

  3833 Red Deer Cir, Panama City, FL 32404
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  /32

  $360,000

  • 2 Beds
  • 2 Baths
  • 1,030 Sq Ft

  3809 Mystic St, Panama City, FL 32408

  Price Drop, Motivated Seller**Your Coastal Dream Awaits! ** Introducing the ultimate 2-bedroom, 2-bathroom beach cottage—completely furnished and turn-key ready! This charming gem has been beautifully renovated, offering you a perfect blend of comfort and style just a stone's throw away from Panama City's stunning beaches. Why Choose This Beach Cottage?Unbeatable Location: Nestled within

  Jasmine Goins Keller Williams Success Realty

  3809 Mystic St, Panama City, FL 32408
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  /8

  $140,000

  935 Tidewater Ln, Panama City, FL 32404

  Bring ALL Offers....... One of the BEST PRICED, DEEP WATER LOTS IN BAY COUNTY!! Don't miss the chance to build your waterfront dream home with deep, saltwater access on this cleared lot in the beautiful, gated Laird Point community. This is one of the few lots that will allow a dock. This exclusive neighborhood offers more than just a place to live—it's a lifestyle! Enjoy breathtaking views,

  Brook Simmons Keller Williams Success Realty

  935 Tidewater Ln, Panama City, FL 32404
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  /31

  $378,250

  • 1 Bath
  • 656 Sq Ft

  436 Harrison Ave Unit 6, 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 6, Panama City, FL 32401
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  $655,315 New Construction

  • 4 Beds
  • 2.5 Baths
  • 2,511 Sq Ft

  TBD -Cs-swb03-0a-0653, Panama City, FL 32405

  The Navarre plan by Harris Doyle Homes is offered in Indigo Lakes. A stately two-story home with attached two-car garage, the Navarre features a spacious design with the great room and dining room open to the large island kitchen with stainless appliances, stone countertops and tile backsplash all included. The main-level primary suite has a lovely bath including tile-to-ceiling shower, dual

  Harris Doyle Homes Builder

  TBD -Cs-swb03-0a-0653, Panama City, FL 32405
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  $449,000 New Construction

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

  Waverly Plan at SweetBay - The Cottages, 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

  3204 Heartleaf Ave E Unit 37003970, Panama City, FL 32405
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  /51

  $363,900

  • 3 Beds
  • 2.5 Baths
  • 1,476 Sq Ft

  9016 Banyan Beach Dr, Panama City, FL 32408

  REDUCED PRICE on this immaculate town home that is walking distance to the World's Most Beautiful Beaches! This location is one of the most desirable because you are so close to the excitement of the beach with dining, shopping and entertainment, but yet have your own private home and cozy quiet back patio area. This town home is spacious with an open floor plan and features 3 bedrooms, 2 full

  Lisa Suggs Anchor Realty Florida

  9016 Banyan Beach Dr, Panama City, FL 32408
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  /3

  $26,000

  • Land
  • 1.1 Acres
  • $23,636 per Acre

  12128 Cue Dr, Panama City, FL 32404

  William Clinton Keller Williams Success Realty

  12128 Cue Dr, Panama City, FL 32404
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  /8

  $165,000

  3565 Sanctuary Dr, Panama City, FL 32408

  Build your dream home in the gated community of Sanctuary Beach! Lot 3 has been cleared, filled, and includes a retaining wall—ready for construction. Located near the end of a quiet cul-de-sac, this lot backs up to a wooded area and sits beside a community easement, offering an extra-spacious feel and added privacy. Enjoy neighborhood amenities including a pool and access to a secluded public

  Mia Nadeau Beachy Beach Real Estate

  3565 Sanctuary Dr, Panama City, FL 32408
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  /16

  $48,000

  Lot 60 Park Way 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

  Lot 60 Park Way St, Panama City, FL 32404
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  /9

  $299,000

  • Land
  • 0.69 Acre
  • $433,333 per Acre

  2911 E 5th Ct, Panama City, FL 32401

  Prime Investment Opportunity: Six Buildable Lots that's already CLEARED!! Unlock the potential of this amazing 30,000 sqft (0.68-acre) parcel, perfectly positioned for immediate development! The lot is a 100ft deep and has an impressive 300ft frontage, making it an ideal site for six (6) individual 50' x 100' buildable lots. The best part is the lot is already re-zoned and per the city you don't

  Ramone Silvera Salty Marlin Realty LLC

  2911 E 5th Ct, Panama City, FL 32401
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  /12

  $599,000

  • Land
  • 2 Acres
  • $299,500 per Acre

  000 S Star Ave, Panama City, FL 32404

  Unveiling a golden opportunity! This 2-acre gem boasts a prime location on a high-traffic highway, making it a hotspot for lucrative business ventures. Whether you're dreaming of launching a bustling retail hub or erecting a dynamic commercial complex, this land offers boundless potential. Seize the moment and secure your slice of success today!

  Shakhodat Talipova Christies International Real Estate Emerald Coast

  000 S Star Ave, Panama City, FL 32404
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  /25

  $224,900

  • 3 Beds
  • 1 Bath
  • 1,212 Sq Ft

  1209 Emory Dr, Panama City, FL 32405

  Well-Cared-For Home in Popular Forest Park!Located in the heart of Panama City, this charming traditional-style home offers convenience and comfort. Situated just off the shopping corridor of 23rd Street, you'll be minutes from your favorite restaurants, shopping, and the hospital. This 3-bedroom, 1-bath home is perfect for a first-time homebuyer or anyone looking for a central location.

  Daryle Burkey Coldwell Banker Realty

  1209 Emory Dr, Panama City, FL 32405
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  /29

  $390,000

  • 3 Beds
  • 3.5 Baths
  • 1,369 Sq Ft

  926 Pitts Ave, Panama City, FL 32404

  Three-story East Bay townhome with stunning views from every floor and a 1BR/1BA apartment on the ground level—perfect for rental income or guests. No HOA! The kitchen was remodeled to include new cabinets, new quartz countertops, and all new lighting. Beautiful exposed wooden beams on the ceiling. Just roughly 5 miles to Tyndall AFB and minutes to Sacred Heart Hospital. Main level features a

  Matthew Jones Coastal Heritage Real Estate LLC

  926 Pitts Ave, Panama City, FL 32404
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  /2

  $1,250,000

  • Land
  • 2.33 Acres
  • $536,481 per Acre

  5400 E Highway 98, Panama City, FL 32404

  There are 2 separate parcels included in this offering with all parcels being zoned commercial. Parcel #2 is 25798-020-000 and is included with this offering. This is a very high traffic corner and sits right on Hwy 98.

  Barney Manuel Beach Sunsets Inc

  5400 E Highway 98, Panama City, FL 32404
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  /47

  $629,900

  • 5 Beds
  • 5 Baths
  • 2,160 Sq Ft

  5216 Beach Dr, Panama City, FL 32408

  Discover this beautifully updated property featuring three independent income-producing units, each with its own private entrance. Live in one and rent out the others, or maximize your investment by leasing all three! The home includes two spacious 2-bedroom units and one cozy 1-bedroom unit, offering flexible living or rental options. The downstairs 2-bedroom unit even includes built-in bunks,

  M. Roberts LoKation Real Estate

  5216 Beach Dr, Panama City, FL 32408
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  /92

  $299,000

  • 3 Beds
  • 1.5 Baths
  • 1,728 Sq Ft

  537 N 11th St, Panama City, FL 32404

  Beautifully Renovated Home on 1.3 Acres of Privacy!Discover the perfect blend of charm and modern comfort. Situated on a spacious 1.325-acre lot, this unique property offers exceptional privacy and room to spread out—complete with an upper balcony overlooking the serene, tree-lined yard. Inside, the home has been fully remodeled from top to bottom, featuring new LVP flooring throughout, fresh

  Chris Pelly Counts Real Estate Group Inc

  537 N 11th St, Panama City, FL 32404
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  /2

  $454,900

  • Land
  • 0 Acre

  1035 E 23rd St, Panama City, FL 32405

  Superb location on 23rd street with high traffic count and visibility. Property is located right before I Hopp on the left and corner of Mercedes Street, and in front of 'Days Inn Suites'. Seller is interested in splitting/dividing this parcel in front of the Hotel as he has no need for it. Land is high and dry and ready to build for office building, oil change and numerous other possibilities.

  Marco Cooper Coastal Sun Realty LLC

  1035 E 23rd St, Panama City, FL 32405
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  /19

  $257,894 New Construction

  • 3 Beds
  • 2 Baths
  • 1,520 Sq Ft

  11440 Palm Breeze St, Panama City, FL 32404

  Come Experience The Difference with Adams Homes in this versatile family floorplan. Includes granite countertops, CoreTec Pro Plus flooring, a sprinkler system, and a rear-load two car garage. Enjoy Florida's great outdoors by calling this peaceful waterfront community home. From kayaking and fishing, to boating East Bay can accommodate it all. With beautiful intracoastal views this community is

  Susan Cantrell Adams Homes Realty, Inc.

  11440 Palm Breeze St, Panama City, FL 32404
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  /35

  $337,900 New Construction

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

  3123 Breezy Bay Ct, Panama City, FL 32409

  Welcome to 3123 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

  3123 Breezy Bay Ct, Panama City, FL 32409
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  /3

  $825,000

  • Land
  • 9.5 Acres
  • $86,842 per Acre

  0 Harrison Ave Unit 968685, Panama City, FL 32405

  Great location for single family, townhomes or multiple units. This property fronts on Harrison Ave as it comes to the end of it's North boundary. Dead end with not thru traffice. Centrally located makes it a perfect fit for some nice spacious lots for single family. Zoning allows for TOWNHOUSES too. The property has som CONSERVATION zoning on a portion of the propery.

  Andy Gonsalves Counts Real Estate Group Inc

  0 Harrison Ave Unit 968685, Panama City, FL 32405
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  /39

  $260,000

  • 4 Beds
  • 2 Baths
  • 1,255 Sq Ft

  1606 Fairy Ave, Panama City, FL 32405

  A true St. Andrews gem—this stunning, light-filled Florida cottage has been thoughtfully renovated to blend timeless charm with modern comfort. Bright, open living spaces are filled with natural light, creating an inviting and effortless flow throughout the home. The main residence offers 3 bedrooms, 2 bathrooms, plus a versatile bonus room ideal for a home office, guest space, or fourth bedroom.

  Kaitlin Husbands Legacy Premier Agency

  1606 Fairy Ave, Panama City, FL 32405
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  /36

  $175,000

  • 3 Beds
  • 2 Baths
  • 990 Sq Ft

  6900 Cherry St, Panama City, FL 32404

  Price Improvement!! Move-In Ready Fully Furnished 3-Bedroom Home Near Tyndall AFB!! AND.....a BIG, BEAUTIFUL, NEW SHED FULLY WIRED!! Welcome to this charming abode, offering comfort, convenience, and an excellent value for first-time buyers. The open-concept floor plan features a brightly lit living area, a user friendly kitchen with modern appliances, and a comfortable dining space perfect for

  Cyndi Beebe Gulf Life Real Estate Inc

  6900 Cherry St, Panama City, FL 32404
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  /3

  $49,999

  1613 E 7th St, Panama City, FL 32401

  Discover the perfect canvas for your next dream home or investment build! Welcome to 1613 E 7th Street a spacious 10,454 Sq Ft (approx. 0.24 acre) corner lot, ideally positioned for maximum visibility and easy access. This builder-ready vacant residential lot comes fully equipped with city utilities already in place, including water, sewer, and electric — a major advantage that streamlines your

  Glen Gould EXP Realty LLC

  1613 E 7th St, Panama City, FL 32401
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  /49

  $348,800

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

  5505 Sun Harbor Rd Unit 181, Panama City, FL 32401

  $95,000 PRICE REDUCTION and Newly Listed!!!!! One of the rarest condos ever constructed in Bay County FL. This two story end unit boasts 2 bedrooms (both on first floor), 2 full bathrooms (one on each floor), along with a large kitchen, dining area, and open living room on the second floor! The second floor also features a private covered balcony with Magnificent views of the Bay, Pool, and

  Nathan Trent Coastal Sun Realty LLC

  5505 Sun Harbor Rd Unit 181, Panama City, FL 32401
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  /54

  $340,000

  • 2 Beds
  • 2 Baths
  • 939 Sq Ft

  8727 Thomas Dr Unit D5, Panama City, FL 32408

  Amazing Location! Welcome to Sugar Beach, one of Panama City Beach's most popular beachfront vacation resorts. This gated, pet-friendly community is beautifully maintained and offers a peaceful setting with lush landscaping and a large fish and turtle pond. Residents and guests enjoy outstanding amenities including a swimming pool, clubhouse, tennis courts, shuffleboard, BBQ area, and private

  David Travare The Travare Brokerage Firm

  8727 Thomas Dr Unit D5, Panama City, FL 32408
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  /71

  $749,000

  • 5 Beds
  • 3.5 Baths
  • 3,260 Sq Ft

  1325 Kestrel St, Panama City, FL 32405

  Now offering VA Assumable Loan at 3% !!! Perfectly positioned on a premium homesite in the heart of Sweetbay, this stunning 5-bedroom, 3.5-bath home features one of the community's largest and most sought-after floorplans. The coveted Marco 2 layout spans over 3,200 sq ft and sits directly across from the picturesque community entrance—complete with a serene pond, new fountain, greenspace,

  Grace Byrd Corcoran Reverie

  1325 Kestrel St, Panama City, FL 32405
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  /29

  $249,900

  • 3 Beds
  • 2 Baths
  • 1,512 Sq Ft

  6119 Katie Way, Panama City, FL 32404

  You will not find another house this new, this large, and this nice at a price this low around Panama City! This charming 2016 home has three bedrooms, two full bathrooms, and a beautiful covered front porch spanning the entire width of the home. The home feels new after a refresh at the end of 2025, including new flooring everywhere, fresh paint for the entire interior, and a deep clean of the

  Lauren Beninate Beachy Beach Real Estate

  6119 Katie Way, Panama City, FL 32404
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  /40

  $385,000

  • 2 Beds
  • 2 Baths
  • 1,395 Sq Ft

  2309 Rushes Ave, Panama City, FL 32405

  OPEN HOUSE SUNDAY 11/16 FROM 12-3! This furnished home is part of the sought-after Cottage Collection in the vibrant waterfront community of SweetBay! This charming cottage offers the perfect blend of style and convenience - ideal for those who want to enjoy life without the hassle of exterior maintenance. The Elm plan by Harris Doyle Homes (no longer offered to build) features an inviting

  Alec Childres SweetBay Realty

  2309 Rushes Ave, Panama City, FL 32405
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  /17

  $334,900

  • 1 Bed
  • 1.5 Baths
  • 740 Sq Ft

  8743 Thomas Dr Unit 1212, Panama City, FL 32408

  A beautiful12th floor beachfront condo with amazing gulf views! Located in The Summit Condominium Beach Resort. This unit features 1 bedroom and 1.5 bathroom, with hallway bunks. Recently remodeled, this unit is a turnkey rental. New furnishings! Fully remodeled kitchen with stainless appliances, tiled backsplash, new shaker style cabinets, and butcher block counter tops. The master bedroom is

  Matthew Jones Coastal Heritage Real Estate LLC

  8743 Thomas Dr Unit 1212, Panama City, FL 32408
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  /2

  $159,000

  • Land
  • 0.6 Acre
  • $265,000 per Acre

  6901 E Hwy 22, Panama City, FL 32404

  With great visibility, elevations, and no known wetlands, this parcel is priced to sell. Perfect for a smaller development project, onbusy Hwy 22, within corridor now targeted by DOT to widen to four lanes.

  Brian Hinton ERA Neubauer Real Estate, Inc

  6901 E Hwy 22, Panama City, FL 32404
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  /28

  $237,400

  • 3 Beds
  • 2 Baths
  • 1,162 Sq Ft

  1545 Chandlee Ave, Panama City, FL 32405

  This property is ideal for anyone seeking a comfortable home or a sound investment opportunity! This charming 3-bedroom, 2-bathroom home was thoughtfully designed for the perfect living space, offering both convenience and elegance. Inside, you'll find fresh paint throughout and stainless-steel appliances, ensuring readiness for immediate move-in and long-term prosperity. The living area is

  Mowayne Copeland Keller Williams Success Realty

  1545 Chandlee Ave, Panama City, FL 32405
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  /67

  $575,000

  • 3 Beds
  • 2.5 Baths
  • 1,589 Sq Ft

  3808 Biltmore Dr, Panama City, FL 32408

  Enjoy coastal living in this newer construction 3-bedroom, 2.5-bath home with garage! This beautiful home has a great location and perfect for full-time living, a beach getaway, or a vacation rental! Thoughtfully designed with open concept and tile floors, quartz countertops, charming shiplap accent wall, and a covered porch overlooking the fenced backyard complete with a hot tub! NO HOA and

  Michele Morros Keller Williams Success Realty

  3808 Biltmore Dr, Panama City, FL 32408
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  /55

  $575,000

  • 2 Beds
  • 2 Baths
  • 1,380 Sq Ft

  9450 S Thomas Dr Unit 1804B, Panama City, FL 32408

  ✨ PRICE IMPROVEMENT — NOW $575,000 (Was $635,000)! ✨Incredible value on a 2BR + BUNK ROOM GULF FRONT condo with a massive balcony and private master bedroom walkout! This beautifully updated unit features all-new living and dining room furniture and a fresh 2025 paint refresh, making it clean, bright, and move-in ready. Full-height windows in both the living room and master

  Carla Singleton Ohana Real Estate Services

  9450 S Thomas Dr Unit 1804B, Panama City, FL 32408
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  /64

  $575,000

  • 3 Beds
  • 4 Baths
  • 2,112 Sq Ft

  3909 Ray St, Panama City, FL 32408

  Imagine your own fully furnished coastal retreat—two homes, one unbeatable opportunity—set less than a 1/2 mile from the shimmering sands of Panama City Beach. Nestled in the sought-after South Lagoon area, this turnkey property features a 2-bedroom, 3-bathroom main home with an additional bonus bunk room, perfect for hosting guests or maximizing short-term rental income ($84k RENTAL

  Marc Miller REMAX By The Sea

  3909 Ray St, Panama City, FL 32408
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  /76

  $449,000

  • 4 Beds
  • 2 Baths
  • 2,443 Sq Ft

  3534 Token Rd, Panama City, FL 32405

  Welcome to 3534 Token Road — a spacious 4-bedroom, 2-bath brick home nestled on nearly three-quarters of an acre at the end of a quiet cul-de-sac, offering peace and privacy in a convenient Panama City location. Inside, you'll find a desirable split-bedroom layout and an open-concept design that seamlessly connects the living, dining, and kitchen areas — the perfect gathering space for family and

  Ricky Ingram Solis Real Estate of Florida

  3534 Token Rd, Panama City, FL 32405

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