Saint Andrews Homes for Sale

/34
$269,000
- 3 Beds
- 2 Baths
- 1,238 Sq Ft
1705 Lake Ave, Panama City, FL 32401

'CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS'Welcome to your dream home in the heart of St. Andrews! This stunning 3-bedroom, 2-bathroom home has been completely renovated from top to bottom! Enjoy the peace of mind that comes with new electrical, plumbing, HVAC, tankless water heater and new windows. Modern updates including new flooring, fresh exterior/interior paint, tiled

MaryAnn Enfinger

Overstreet Realty

(448) 217-3903

1705 Lake Ave, Panama City, FL 32401
Explore Saint Andrews
/6
$45,000
- Land
- 0.14 Acre
- $321,429 per Acre
Unlisted Address

Picture Your Future Here at 1917 Lombardy Ave!Imagine building your dream home--or your next smart investment--on this 6,011 sqft cleared lot (approx. 55x110 ft) right in the heart of Panama City. Tucked in a peaceful neighborhood, you're just minutes from Gulf Coast State College, FSU Panama City, St. Andrews Bay, local shops, hospitals, and the beach. Whether you're planning your forever home

Ramone Silvera Salty Marlin Realty LLC

Unlisted Address
/3
$75,000
- Land
- 0.23 Acre
- $326,087 per Acre
1816 Mound Ave, Panama City, FL 32405

Vacant Lot in the St Andrews Area of Panama City!! This spacious cleared lot offers a blank canvas for your vision, situated in a peaceful neighborhood. Zoned Mixed -Use 2. Build a Duplex or professional offices, educational facilities, and neighborhood commercial uses. With easy access to local amenities and just a short drive to the stunning beaches of the Florida Panhandle, this property is an

Steven Koleno Beycome of Florida LLC

1816 Mound Ave, Panama City, FL 32405
/12
$3,200,000
- Land
- 1.89 Acres
- $1,693,122 per Acre
3333 W 14th St, Panama City, FL 32401

Discover a truly RARE and remarkable opportunity to own just under 2 acres of pristine WATERFRONT property in the heart of Historic St. Andrews--one of Panama City, Florida's most coveted and charming neighborhoods. This 1.9-acre bayfront estate lot offers an extraordinary canvas for your dream home or private retreat, with sweeping views of St. Andrews Bay, mature oaks, and unmatched privacy

Carly Sostheim Corcoran Reverie

3333 W 14th St, Panama City, FL 32401
/10
$175,000
- 2 Beds
- 1 Bath
- 803 Sq Ft
1301 Beck Ave Unit 18, Panama City, FL 32401

Welcome to 1301 Beck Avenue, this great updated unit offers the ideal blend of comfort, convenience and location in the quaint area of Saint Andrews, residents can enjoy walkable access to dining and entertainment options, also a short drive to a nearby boat docks and marina. This second floor unit tile flooring in all the unit,is a 2 bedroom, 1 bath , freshly painted, new roof, hurricane

Stephen Hachey Lowest Fee Realty LLC

1301 Beck Ave Unit 18, Panama City, FL 32401
/29
$250,000
- 2 Beds
- 2 Baths
- 1,056 Sq Ft
1709 Cincinnati Ave, Panama City, FL 32401

Charming Florida cottage located in Historic St. Andrews, just two blocks from Lake Huntington with open water access to the Gulf and minutes to Beck Ave's popular restaurants and attractions. Lake Huntington has a public boat launch and it feeds right into St Andrews Bay. Built in 1941 and thoughtfully renovated, this charming Florida cottage blends vintage character with modern comfort and the

Mindi Sato Keller Williams Success Realty

1709 Cincinnati Ave, Panama City, FL 32401
/31
$219,500
- 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
/39
$375,000 Open Sun 12PM - 3PM
- 3 Beds
- 3.5 Baths
- 1,680 Sq Ft
1413 Chestnut Ave, Panama City, FL 32401

Experience the ultimate coastal lifestyle at Chestnut Ridge! Strategically positioned in the heart of historic St. Andrews, this new build offers the perfect blend of luxury and convenience. Enjoy the proximity to local attractions such as shopping, bars, farmers market, and dining, while still being just a 10-minute drive from the beach. St. Andrews marina offers a boat launch making it a quick

Karen Smith Beachy Beach Real Estate

1413 Chestnut Ave, Panama City, FL 32401
/13
$129,000
- 4 Beds
- 2 Baths
- 1,802 Sq Ft
1819 Grant Ave, Panama City, FL 32405

Investment opportunity for those seeking a project with significant potential. The home has been gutted and requires extensive repairs, making it ideal for investors or builders. Inside, you'll find some windows and construction materials that will remain with the property. The property is being sold AS-IS, Where-Is, with no repairs, cleanup, or debris removal to be provided by the seller. By

Luisa Dick Coldwell Banker Realty

1819 Grant Ave, Panama City, FL 32405
/38
$175,000
- 3 Beds
- 1 Bath
- 768 Sq Ft
1615 Billings Ave, Panama City, FL 32401

Charming Coastal Cottage Just Steps from St. Andrews - Ideal Vacation Home or Investment Property! Or first time home purchase!Welcome to 1615 Billings Avenue, a beautifully preserved 3-bedroom, 1-bath home nestled in the heart of the vibrant St. Andrews district in Panama City, Florida. Built in 1942, this character-filled home is the perfect coastal getaway or investment opportunity for anyone

Daniel Raffield Empire Real Estate of Florida LLC

1615 Billings Ave, Panama City, FL 32401
/14
$549,000
- 6 Beds
- 5 Baths
- 3,242 Sq Ft
2810 W 15th St, Panama City, FL 32401

Investment opporunity located in one of the most popular areas of Panama City FL, in St Andrews. This property is located on the heaviest traveled road, HWY 98 that leads across the entire county. Currently the property consists of 4 separate rentals, a 3 bedroom 2 bath home, 2 separate studio apartments and 1 cottage each with 1 bedroom and 1 bath for a total of 6 bedrooms and5 baths. Rents

Jeff Payne Keller Williams Success Realty

2810 W 15th St, Panama City, FL 32401
/31
$355,900
- 2 Beds
- 1.5 Baths
- 1,350 Sq Ft
1404 Chestnut Ave, Panama City, FL 32401

Absolutely charming 2-bedroom, 1.5-bath home on a spacious lot in the heart of St. Andrews! Just a short walk to the Bay, St. Andrews Marina, and all the great local restaurants and shops--this location can't be beat.The large living room features beautiful hardwood floors, 10-foot ceilings, a cozy wood-burning fireplace, and arched doorways that open into an enclosed Florida room with views of

Stephanie Ingram Counts Real Estate Group Inc

1404 Chestnut Ave, Panama City, FL 32401
/15
$1,394,000
- Land
- 0.77 Acre
- $1,810,390 per Acre
Unlisted Address

No retention pond required, per Panama City Engineering! Excellent opportunity with 43,500 daily traffic count. Prime location zoned General Commercial. The property has perviously been improved and demolished after the storm, leaving a blank slate for your vision. The existing pavement grandfathers this property in so there is no retention pond required.

JAMIE KITZMILLER Think Real Estate

Unlisted Address
/4
$2,139,000
- 15,000 Sq Ft
4100 U S 98, Panama City, FL 32401

Multiple use commercial location with restaurant, mini warehouses, and residential rentals. DEVELOPMENT POTENTIAL MOTEL/GAS STATION/FAST FOOD.Starting on the corner of 4100 W. Hwy 98, and 1805 Grant Avenue. m330 ft. approx. on 98 by 232 approx. on Grant Avenue.

John McVeigh St Andrews Bay Realty

4100 U S 98, Panama City, FL 32401
/14
$2,000,000
- Land
- 1.68 Acres
- $1,190,476 per Acre
4423 W Highway 98, P C Beach, FL 32401

Pristine property located on beautiful St. Andrew's Bay in Panama City, FL. This property features 132 feet on St. Andrew Bay with a total of 1.67 acres. It is +/-1/2 mile east of the Hathaway Bridge, close to Port Panama City, Gulf Coast State College, Florida State University Panama City Campus, and Panama City Beach. In addition to St. Andrew's Bay, the property overlooks St. Andrew Bay, the

Chris McCall Counts Real Estate Group Inc

4423 W Highway 98, P C Beach, FL 32401
/2
$450,000
- Land
- 0.50 Acre
- $900,000 per Acre
3705 Us Highway 98, P C Beach, FL 32401

This high traffic count parcel sits right on Hwy 98 as you are entering Panama City from Panama City Beach. The property is ZONED C-2 GENERAL COMMERCIAL allowing for a large list of allowale usages. Which includes Restaurants, retail, auto repair, & Business Professional. The parcel sides on 2 streets allowing for excellent ingress and egress. It is on the main corridor frontage you have to

Andy Gonsalves Counts Real Estate Group Inc

3705 Us Highway 98, P C Beach, FL 32401
/2
$650,000
- Land
- 0.55 Acre
- $1,181,818 per Acre
3701 Us Highway 98, P C Beach, FL 32401

The property is zoned C-2 GENERAL COMMERCIAL zoning. Premier location on the 98 corridor with strong traffic counts both North and South plus East and West! It is the first red light after descending from Hathaway Bridge. Allowable uses on the property includ business professional, retail, restaurants, auto reparis and multiple other uses. There is no heigh restrictions on the propery. Adjoing

Andy Gonsalves Counts Real Estate Group Inc

3701 Us Highway 98, P C Beach, FL 32401
/2
$350,000 New Construction
- 2,219 Sq Ft
4402 U S 98, Panama City, FL 32401

Excellent 3.5 Acre Commercial Waterfront Development Opportunity on North Bay at the foot of the Deer Point Dam. This site is noted as Site 2A on the property aerial and part of a fragmented parcel consisting of 76.6 acres (Bay County Parcel Number 08671-000-000). The site currently houses a Bait Shop and is to be carved out of the current parcel with size and dimensions to be determined. Zoned

Charlie Haas Counts Real Estate Group

4402 U S 98, Panama City, FL 32401
/2
$459,000 New Construction
- Land
- 0.74 Acre
- $620,270 per Acre
2704 W 15th St, Panama City, FL 32401

This property will allow you to bring your vision to life and create a commercial space tailored to your specific needs. The combined parcels, with 120 feet on US HWY 98, total .736 acres. The Seller is a licensed Florida general contractor and can build-to-suit to your exact specifications for additional cost. Situated in a central location, this property benefits from high visibility and easy

Daniel Dunnivant Counts Real Estate Group Inc

2704 W 15th St, Panama City, FL 32401

Florida Bay County Panama City Saint Andrews

Why Live in Saint Andrews

Saint Andrews in Panama City is a historic neighborhood known for its waterfront dining and vibrant local culture. Uncle Ernie’s Bayfront Grill and Brew House is a standout, offering fresh grouper and stunning sunset views over Saint Andrew Bay. Alice’s on Bayview is popular for brunch, while The Dive provides a casual atmosphere for pool and darts. For those seeking variety, St. Andrews Slice House and Burgunbarrel offer pizza and wine, respectively. The neighborhood also features a Grocery Outlet for convenient shopping. Saint Andrews' residential streets are lined with Spanish-moss-laden trees and predominantly feature single-story Craftsman homes, ranging from 1,000 to 2,000 square feet. The area includes historic homes, refurbished 1960s houses, and new builds by the water. Condos and townhomes are also available. The area's crime rates are comparable to the national average. The annual Blessing of the Fleet at St. Andrews Marina and the weekly farmers market at Oaks by the Bay Park are notable events. The park itself is a hub for outdoor activities, with massive oak trees, a boardwalk, and a popular Christmas light display. Fishing is a common pastime at the marina. U.S. Route 98 serves as the main transportation route, connecting residents to Panama City Beach and the Bayway bus system. Schools in the Bay District system are highly rated, with Bay High offering specialized programs in digital design and engineering.

Learn more about living in Saint Andrews

Frequently Asked Questions

Is Saint Andrews a good place to live?

Saint Andrews is a good place to live. Saint Andrews is considered somewhat walkable and somewhat bikeable. Saint Andrews has 2 parks for recreational activities. It is fairly sparse in population with 3.2 people per acre and a median age of 45. The average household income is $66,280 which is below the national average. College graduates make up 29.6% of residents. A majority of residents in Saint Andrews are home owners, with 46.5% of residents renting and 53.5% of residents owning their home. A local real estate agent serving Saint Andrews can help you decide if this neighborhood is the right one for you. Learn more on our Saint Andrews neighborhood guide.

How much do you need to make to afford a house in Saint Andrews?

The median home price in Saint Andrews is $395,000. If you put a 20% down payment of $79,000 and had a 30-year fixed mortgage with an interest rate of 6.72%, your estimated principal and interest payment would be $2,040 a month plus property taxes, HOA fees, home insurance, PMI, and utilities. Using the 28% rule, you would need to make at least $87K a year to afford the median home price in Saint Andrews. The average household income in Saint Andrews is $66K.

What are the best public schools in Saint Andrews?

The best public schools that serve Saint Andrews are:

Bay High School has a B+ Niche grade, a student teacher ratio of 25:1 and an average review score of 3.8.
Jinks Middle School has a B Niche grade and a student teacher ratio of 17:1.
Lucille Moore Elementary School has a C+ Niche grade and a student teacher ratio of 14:1.

What are the best private schools in Saint Andrews?

The best private schools that serve Saint Andrews are:

Covenant Christian School has an A- Niche grade, a student teacher ratio of 15:1 and an average review score of 4.6.
St. John Catholic Academy has a student teacher ratio of 7:1.
Adventist Christian Academy has a student teacher ratio of 11:1.

What are the most popular zip codes in Saint Andrews, Panama City, FL?

The most popular zip codes in Saint Andrews, Panama City, FL include 32401, 32405, 32408, 32444 and 32407.

What are the most popular neighborhoods near Saint Andrews, Panama City, FL?

The most popular neighborhoods near Saint Andrews, Panama City, FL are Downtown North, Downtown, Millville, Latitude Margaritaville and Watersound Origins.

Are home prices dropping in Saint Andrews?

Yes, home prices in Saint Andrews are down 32% in the last 12 months.

Home Trends in Saint Andrews, FL

On average, homes in Saint Andrews, Panama City sell after 32 days on the market compared to the national average of 70 days. The median sale price for homes in Saint Andrews, Panama City over the last 12 months is $449,000, up 26% from the median home sale price over the previous 12 months.

Housing Trends

Median Sale Price

$449,000

Median Single Family Sale Price

$395,000

Median Townhouse Sale Price

$330,000

Average Price Per Sq Ft

$224

Number of Homes for Sale

Last 12 months Home Sales

Months of Supply

1.10

Median List Price

$395,000

Median Change From 1st List Price

Median Home Sale Price YoY Change

26%

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