20

Saint Andrews Homes for Sale

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  • /31

    $219,000

    • 3 Beds
    • 1 Bath
    • 1,158 Sq Ft

    1814 Mound Ave, Panama City, FL 32405

    Conveniently located 3.5 miles from Downtown Panama City and 7.5 miles to Beach Access #12 for the closest public beach access in Panama City Beach! This home features recent updates including:* Fresh exterior paint, updated electrical box, cleared backyard* New windows, interior wall paint, and carpeting* New air handler, compressor, and smart thermostat* Kitchen with

    Jennifer Ethridge Compass Florida, LLC

    1814 Mound Ave, Panama City, FL 32405
  • /10

    $45,000

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

    1109 Beck Ave, Panama City, FL 32401

    St Andrews Restaurant/bakery/wine bar. Available immediately. 1109 Beck Avenue Panama City St. Andrews. Turn Key. Make it your own. 1600 sq ft with over 40 seats. All equipment and furnishings included in sale. Detailed inventory list will be included. Call for more details.

    John McVeigh St Andrews Bay Realty

    1109 Beck Ave, Panama City, FL 32401
  • /44

    $363,000

    • 3 Beds
    • 1 Bath
    • 945 Sq Ft

    1701 Deer Ave, Panama City, FL 32401

    Welcome to this beautifully renovated 3-bedroom home on a spacious corner lot in the heart of Historic St. Andrews! Perfectly located within walking distance to the Bay, St. Andrews Marina, Shrimp Boat, Captain's Table, Uncle Ernie's, restaurants, shopping, and entertainment.This home blends historic charm with modern updates. Inside, you'll find freshly painted walls (2023), updated

    Kelly McGrath Realty One Group Emerald Coast

    1701 Deer Ave, Panama City, FL 32401
  • /32

    $359,000

    • 3 Beds
    • 1 Bath
    • 995 Sq Ft

    1700 Billings Ave, Panama City, FL 32401

    Charming Coastal Cottage in the heart of historical St. Andrews just two blocks from St Andrews Bay. This 3 BR/1 BA has been recently renovated with over $75,000 in upgrades and vintage character. The home is zoned for the St Andrews neighborhood/CRA revitalization area (NR) and can be used for a primary/second home, Short Term Rental or Neighborhood Friendly business. Walk or ride your golf

    Merrie Allen Anchor Realty Florida

    1700 Billings Ave, Panama City, FL 32401
  • /15

    $165,000

    • 2 Beds
    • 1 Bath
    • 700 Sq Ft

    1705 Cincinnati Ave, Panama City, FL 32401

    This two-bedroom, one-bathroom residence is situated in the historic Saint Andrews neighborhood, conveniently located near beach shopping and a public boat launch on Lake Huntington.Originally constructed in 1941, the home underwent renovations to conform to contemporary standards, with the effective date set for 2005. The expansive lot provides ample parking space for automobiles, recreational

    Lula Poston Keller Williams Success Realty

    1705 Cincinnati Ave, Panama City, FL 32401
  • /28

    $450,000

    • 2 Beds
    • 2 Baths
    • 1,252 Sq Ft

    3001 W 10th 305 St Unit 305, Panama City, FL 32401

    Looking for that ''Old Florida'' lifestyle? Look no more. Nestled between The Oaks by the Bay Park and St Andrews Marina, this boutique gated community complements Historical St Andrews. Amenities include a luxurious clubhouse, fitness center and pool with beautiful water front views. A never ending boat parade from the Gulf of Mexico on St Andrew Bay can be enjoyed from the balcony. A Boaters

    Shirley Pittman Blue Coral R E Group LLC

    3001 W 10th 305 St Unit 305, Panama City, FL 32401
  • /16

    $175,000

    • 2 Beds
    • 1 Bath
    • 803 Sq Ft

    1301 Beck Ave Unit 41, Panama City, FL 32401

    Ground Floor, End Unit, Fully Furnished! HOA Covers Insurance, Flood Insurance, Water Bill, Lawn Care, Pool Maintenance, Basic Cable... Welcome to Unit 41 at The St. Andrews Harbour Condominium, a charming 2-bedroom, 1-bathroom ground-floor end unit in the heart of Panama City. With a new AC unit, fresh interior and exterior paint, a new roof, and all furniture included, this unit is truly move

    Zachary Murzyn Secure Real Estate

    1301 Beck Ave Unit 41, Panama City, FL 32401
  • /6

    $44,000

    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
  • /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 HOMESITE offers an extraordinary canvas for your dream home or private retreat, with sweeping views of St. Andrews Bay, mature oaks, and unmatched

    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
  • /29

    $204,000

    • 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
  • /69

    $375,000 Open Sun 1PM - 4PM

    • 3 Beds
    • 2.5 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

    Jennifer Bowman Beachy Beach Real Estate

    1413 Chestnut 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
  • /15

    $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

    $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

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.

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 $298,500. If you put a 20% down payment of $59,700 and had a 30-year fixed mortgage with an interest rate of 6.5%, your estimated principal and interest payment would be $1,510 a month plus property taxes, HOA fees, home insurance, PMI, and utilities. Using the 28% rule, you would need to make at least $65K 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:
What are the best private schools in Saint Andrews?
The best private schools that serve Saint Andrews are:
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 26% in the last 12 months.

Home Trends in Saint Andrews, FL

Housing Trends

Median Sale Price
$314,500
Median Single Family Sale Price
$290,000
Median 2 Bedroom Sale Price
$175,000
Median 1 Bedroom Sale Price
$105,000
Average Price Per Sq Ft
$238
Number of Homes for Sale
12
Last 12 months Home Sales
32
Months of Supply
4.50
Median List Price
$298,500
Median Change From 1st List Price
3%
Median Home Sale Price YoY Change
-4%
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