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Saint Andrews Homes for Sale

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  • /52

    $929,000

    • 3 Beds
    • 3.5 Baths
    • 2,321 Sq Ft

    3001 W 10th St Unit 610, Panama City, FL 32401

    Spectacular Waterfront Luxury in Historic St. Andrews! Rarely available and highly coveted, this expansive corner-unit residence at Harbour Village delivers over 2,300 sq. ft. of sophisticated interior living space, perfectly paired with a massive 300+ sq. ft. covered, wrap-around balcony showcasing breathtaking, unobstructed Western and Southerly views of St. Andrew Bay.Step inside to experience

    Agent Photo

    Susan Morrison

    Anchor Realty Florida

    3001 W 10th St Unit 610, Panama City, FL 32401
  • /29

    $174,900

    $5K PRICE DROP
    • 2 Beds
    • 1.5 Baths
    • 1,104 Sq Ft

    4455 W 19th St Unit 16, Panama City, FL 32405

    Great opportunity in St. Andrews to own a townhome with potential. This property offers a functional layout with comfortable living space and is ready for a new owner to add their personal touch. A good option for buyers looking to customize or invest. Conveniently located in Panama City with easy access to shopping, dining, and everyday amenities. All measurements, zoning, and sizes are

    Luisa Dick Coldwell Banker Realty

    4455 W 19th St Unit 16, Panama City, FL 32405
  • /34

    $800,000

    $75K PRICE DROP
    • 4,286 Sq Ft

    1806&1808 Brown Ave, Panama City, FL 32405

    MAJOR PRICE IMPROVEMENT -- TWO CONTIGUOUS PROPERTIES NOW OFFERED TOGETHER AT $800,000! Rare opportunity to acquire two GC-1 zoned properties in Panama City's Bayview Addition, combining a modern commercial building with an adjacent property offering additional income, parking, and future commercial potential.1806 Brown Ave features a 3,476 SF commercial building constructed in 2016 with a

    Marcy O'Donnell Luxe Coastal Realty Group LLC

    1806&1808 Brown Ave, Panama City, FL 32405
  • /11

    $35,000

    $9K PRICE DROP
    • Land
    • 6,098 Sq Ft
    • $250,000 per Acre

    1917 Lombardy Ave, Panama City, FL 32405

    Looking for an affordable residential lot in the heart of Panama City with serious potential? Look no further than 1917 Lombardy Avenue! This 5,600± sq. ft. parcel provides convenient access to shopping, medical facilities, schools, and major roadways.Enjoy close proximity to St. Andrews Bay access points, marinas, and waterfront recreation, making this an ideal location for those seeking a

    Dien and Andrew Group Think Real Estate

    1917 Lombardy Ave, Panama City, FL 32405
  • /39

    $439,000

    $60K PRICE DROP
    • 5 Beds
    • 3 Baths
    • 2,400 Sq Ft

    3710 W 17th St, Panama City, FL 32401

    Welcome to this timeless Florida cottage nestled in the heart of St. Andrews, one of Panama City's most desirable and walkable neighborhoods. Surrounded by mature landscaping and moss-draped oak trees, this spacious 5-bedroom, 3-bath home blends classic charm with thoughtful modern updates. Current Airbnb revenue is approximately $50,000 for 9 months of bookings.Inside, you'll find

    Jordan Jarrett Keller Williams Success Realty

    3710 W 17th St, Panama City, FL 32401
  • /15

    $215,900

    $3K PRICE DROP
    • 3 Beds
    • 1.5 Baths
    • 1,300 Sq Ft

    1707 Michigan Ave, Panama City, FL 32401

    A perfect blend of location and potential investment income or primary residential. Only asking $219,900 to meet your budget. This home has been remodeled with new flooring, kitchen etc. Fenced in back yard. It is currently being rented month to month at $2000 per month. Close proximity to Highway 98, and Beaches. We have several other homes to be sold and currently rented which all three can be

    Marco Cooper Coastal Sun Realty LLC

    1707 Michigan Ave, Panama City, FL 32401
  • /101

    $550,000

    $25K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 3,136 Sq Ft

    1605 Louise Ave, Panama City, FL 32401

    THE ST. ANDREWS SANCTUARY: COASTAL CHARM. EXTRAORDINARY SPACE.Imagine spending Saturday mornings beneath centuries-old oak trees at the local farmers market, enjoying fresh-catch seafood along the waterfront, and returning home to a residence that feels like your own private retreat.Nestled within St. Andrews on the Bay, one of Panama City's most beloved waterfront communities, this

    Stephanie Craven Counts Real Estate Group Inc

    1605 Louise Ave, Panama City, FL 32401
  • /6

    $2,000,000

    • Land
    • 1.68 Acres
    • $1,190,476 per Acre

    4423 W Highway 98, Panama City, 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, Panama City, FL 32401
  • /2

    $550,000

    • Land
    • 23,958 Sq Ft
    • $1,000,000 per Acre

    3701 W Highway 98, Panama City, FL 32402

    OWNER Financing on this parcel with 30% down with a term based on term of 10 years at 6.5% with a balloon in 3 years. Property ZONED C-2 General Commercial Premier location on the 98 corridor with a strong traffic count both North and South as well as East and West. It is the first red light after descending from the Hathaway Bridge. Allowable uses on the property include business professional,

    Andy Gonsalves Counts Real Estate Group Inc

    3701 W Highway 98, Panama City, FL 32402
  • /73

    $450,000

    • 2 Beds
    • 2.5 Baths
    • 1,496 Sq Ft

    3001 W 10th St Unit 202, Panama City, FL 32401

    Sunset Bayfront Retreat - Updated & Move-In Ready in Gated Harbour VillageDiscover peaceful waterfront living at its finest in Harbour Village, a boutique 2006-gated community of only 116 residences on the serene shores of St. Andrews Bay. This lovingly maintained 2nd-floor condo offers the perfect blend of modern comfort and timeless coastal charm in Historic St. Andrews -- a vibrant

    Mark Oberg Berkshire Hathaway HomeServices Beach Properties of Florida

    3001 W 10th St Unit 202, Panama City, FL 32401
  • /25

    $339,900

    • 4 Beds
    • 2.5 Baths
    • 2,088 Sq Ft

    1336 Cincinnati Ave, Panama City, FL 32401

    BACK ON MARKET--NO FAULT OF THE HOME! Steps from St. Andrews Bay! Charming 1941 St. Andrews home offering 2,088 total heated square feet, four bedrooms--including a mother-in-law suite with its own exterior entrance--and 2.5 baths. The home currently uses individually controlled high-efficiency room A/C units with gas heat, allowing occupants to cool individual living areas. Situated on a corner

    Steven Koleno Beycome of Florida LLC

    1336 Cincinnati Ave, Panama City, FL 32401
  • /43

    $885,000

    $15K PRICE DROP
    • 3 Beds
    • 3 Baths
    • 1,997 Sq Ft

    3001 W 10th St Unit 203, Panama City, FL 32401

    Spectacular Views from this 3 Bed/3Bath Bayfront unit with 2 boat slips (1 with 16,000lb lift) and 2 climate controlled storage units, included in the sale! A one of a kind gated community in the heart of Historic St. Andrews. Condo boasts 11ft ceilings and breathtaking views of St. Andrews Bay, Shell Island, and the Intercoastal Waterway from the master suite, living area, dining room, and

    Jennifer Mackay Counts Real Estate Group

    3001 W 10th St Unit 203, Panama City, FL 32401
  • /67

    $949,900

    • 3 Beds
    • 3.5 Baths
    • 2,321 Sq Ft

    3001 W 10th St Unit 713, Panama City, FL 32401

    BOAT SLIP & MARINA STORAGE INCLUDED - $30,000 VALUE! Experience exceptional waterfront living in this beautifully upgraded 7th floor residence at Harbour Village. The $949,900 purchase price includes a Boat Slip at the Harbour Village gated dock, plus climate-controlled Marina Storage . At approximately $30,000, this Marina package provides the added convenience and value of private boat slip

    Shirley Pittman Blue Coral R E Group LLC

    3001 W 10th St Unit 713, Panama City, FL 32401
  • /61

    $909,000

    • 3 Beds
    • 3.5 Baths
    • 2,321 Sq Ft

    3001 W 10th St Unit 510, Panama City, FL 32401

    Welcome to luxury waterfront living in the highly sought-after Harbour Village at Historic St. Andrews! This exceptional 3-bedroom, 3.5-bath residence offers over 2,300 square feet of beautifully designed living space with breathtaking panoramic views of St. Andrews Bay. Step inside to discover an open, light-filled floor plan enhanced by impressive 10-foot ceilings, elegant tile plank flooring,

    Zack Sanchez Think Real Estate

    3001 W 10th St Unit 510, Panama City, FL 32401
  • /25

    $249,500

    $29K PRICE DROP
    • 2 Beds
    • 1 Bath
    • 792 Sq Ft

    1729 Palmetto Ave, Panama City, FL 32401

    Welcome to this charming, newly renovated bungalow by the bay, offering beautiful water views right from the front of the home. Nestled on a picturesque, oak-lined street draped in classic Spanish moss, 1729 Palmetto Ave combines coastal serenity with everyday convenience--just minutes from Gulf Coast Community College, FSU, and local favorite Papa Joe's. This inviting two-bedroom home is perfect

    Phil Smith The Premier Property Group Seacrest Office

    1729 Palmetto Ave, Panama City, FL 32401
  • /17

    $165,000

    • 2 Beds
    • 1.5 Baths
    • 1,164 Sq Ft

    4455 W 19th St Unit 44, Panama City, FL 32405

    Great central location at an even better price! This well maintained 2 bedroom, 1.5 bathroom townhouse offers a rare opportunity for the first time home buyer or landlord. Providing easy access to both the Hathaway Bridge and Highway 98 the convenience factor offers exceptional value for those with a busy lifestyle. Newer roof, newer hvac system and turk-key ready to call your own. Come see today!

    Cain Mcneil CENTURY 21 Commander Realty

    4455 W 19th St Unit 44, Panama City, FL 32405
  • /25

    $2,300,000

    $100K PRICE DROP
    • Land
    • 4.77 Acres
    • $482,180 per Acre

    4810 W Highway 98, Panama City, FL 32401

    Amazing Development Opportunity is Ready for You! In a Prime Location, this 4.77 acre parcel is zoned General Commercial 2. Located in the Gateway Overlay and this property is located in the Panama City Community Redevelopment Agency Tax Increment Rebate Program area. Located just before the Hathaway Bridge in Panama City, this offering fantastic traffic count and visibility when traveling on Hwy

    Deborah Class ERA Neubauer Real Estate, Inc

    4810 W Highway 98, Panama City, FL 32401
  • /4

    $2,070,000

    $280K PRICE DROP
    • 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
  • /35

    $289,000

    $26K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,332 Sq Ft

    1849 Lake Ave, Panama City, FL 32405

    PRICE REDUCTION -This cute home has just been remodeled. It has a new island with new countertops, sink and faucet. new light fixtures, all new fans, new flooring and freshly painted. It also has two storage units in the back yard and features a Koi pond with large Koi. Fenced in large back yard. Large driveway with plenty parking.Convenient to shopping, schools and restaurants. This is a

    Sandy Webb Dalton Wade Inc

    1849 Lake Ave, Panama City, FL 32405
  • /7

    $120,000

    • Land
    • 18,295 Sq Ft
    • $285,714 per Acre

    1809 Baltimore Ave, Panama City, FL 32405

    Exceptional opportunity in the desirable Bayview/St. Andrews area of Panama City. This 0.421-acre vacant residential lot offers a rare chance to build your dream home or explore investment potential in a convenient central location. Close to schools, shopping, dining, downtown Panama City, and just a short drive to the beaches, this property combines location, size, and versatility.

    Emily Whatley Counts Real Estate Group Inc

    1809 Baltimore Ave, Panama City, FL 32405
  • /46

    $347,500

    Open Sat 10AM - 12PM $3K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,320 Sq Ft

    1611 Cincinnati Ave, Panama City, FL 32401

    Rare opportunity in St. Andrews! This fully remodeled three-bedroom, two-bath home is being sold with a separate waterfront parcel on Lake Huntington, located approximately 300 feet from the residence. The list price includes both properties, and they must be sold together.The home features luxury vinyl plank flooring, recessed lighting, updated fixtures, and an easy flow between the

    Raymond Williams PA Think Real Estate

    1611 Cincinnati Ave, Panama City, FL 32401
  • /25

    $199,000

    $20K PRICE DROP
    • 3 Beds
    • 1 Bath
    • 1,176 Sq Ft

    1824 Grant Ave, Panama City, FL 32405

    **New Lower Price!** Opportunity knocks with this 3-bedroom, 1-bath brick home in one of Panama City's most convenient locations. Whether you're an investor, first-time homebuyer, or someone looking to add your own personal touch, this property offers incredible potential at an even better value. Inside, you'll find fresh paint throughout and beautiful real hardwood floors that have been newly

    Beverly Reyes CENTURY 21 Ryan Realty Inc

    1824 Grant Ave, Panama City, FL 32405
  • /15

    $2,000,000

    $200K PRICE INCREASE
    • 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
  • /31

    $210,000

    $29K PRICE DROP
    • 2 Beds
    • 1 Bath
    • 1,152 Sq Ft

    1509 Wilmont Ave, Panama City, FL 32405

    Welcome home to this beautifully updated 2-bedroom, 1-bath gem, perfectly situated in a central location just minutes from the charm of Beck Avenue, known for its local restaurants, shops, and community events, as well as Oaks By The Bay Park. You'll also love the convenience of being near local colleges and just a short drive to the beach.This recently renovated home features an inviting

    PC Coastal Group eXp Realty LLC

    1509 Wilmont Ave, Panama City, FL 32405
  • /18

    $189,000

    • 3 Beds
    • 2 Baths
    • 1,652 Sq Ft

    4002 W 17th St, Panama City, FL 32401

    Investor opportunity in the St. Andrews area of Panama City. This 3-bedroom, 2-bath, one-story brick home is currently gutted and in the renovation process, but is being offered as-is and priced to sell. Located just two blocks from the bay, the property offers strong potential for a flip, rental, or long-term hold in a rapidly growing area near St. Andrews, downtown Panama City, dining,

    Abbott Martin Group EXP Realty LLC

    4002 W 17th St, Panama City, FL 32401
  • /31

    $216,500

    $8K PRICE DROP
    • 3 Beds
    • 1 Bath
    • 1,066 Sq Ft

    1610 Lake Ave, Panama City, FL 32401

    Charming 1941 - built home in a prime Panama City location! This 3 BEDROOM cottage offers classic character with modern updates. Partially REMODELED IN 2020 with new roof, kitchen and bathroom but awaiting your personal upgrades. The separate utility room has enough space to add a half bath, if desired. The HUGE FENCED BACKYARD is shaded by multiple, MAGNIFICENT OAK TREES- perfect for outdoor

    Suzy Turek Keller Williams Realty Emerald

    1610 Lake Ave, Panama City, FL 32401
  • /50

    $675,000

    $75K PRICE DROP
    • 3 Beds
    • 3 Baths
    • 2,001 Sq Ft

    3001 W 10th St Unit 711, Panama City, FL 32401

    Experience waterfront living at its finest in this stunning 3-bedroom, 3-bathroom condo in Harbour Village at Historic St. Andrews. Located along the Bay, this exceptional property offers breathtaking views, creating the perfect backdrop for both relaxing and entertaining. The spacious layout provides an open, airy feel with abundant natural light and private waterfront scenery from the main

    Rob Kinney Counts Real Estate Group Inc

    3001 W 10th St Unit 711, Panama City, FL 32401
  • /15

    $1,294,000

    • Land
    • 33,541 Sq Ft
    • $1,680,519 per Acre

    4127 W Highway 98, Panama City, FL 32401

    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

    4127 W Highway 98, 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.

Saint Andrews Home Prices vs. Nearby Panama City, FL Neighborhoods

Saint Andrews Downtown North Millville Cedar Grove
Median Home Price
$235,000
$250,000
$248,950
$269,900
Median Sale Price
$182,000
-45% YoY
$240,000
+1% YoY
$225,000
-4% YoY
$256,000
-13% YoY
Median Single Family Price
$220,750
$245,000
$230,000
$267,000
Median Townhouse Price
$165,000
$199,000
$565,000
--
Total Active Listings
20 listings
54 listings
21 listings
11 listings
Market Conditions
6 Months of Supply
Balanced Market
14 Months of Supply
Buyer's Market
7 Months of Supply
Buyer's Market
10 Months of Supply
Buyer's Market

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 with some transit options. Saint Andrews is a neighborhood with a crime score of 4, on par with the average neighborhood in the U.S. Saint Andrews has 2 parks for recreational activities. It is fairly sparse in population with 4.0 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 47% of residents renting and 53% 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.
Is Saint Andrews, FL a safe neighborhood?
Saint Andrews, FL is a safe neighborhood and is on par with the average neighborhood in the United States. It received a crime score of 4 out of 10.
How much do you need to make to afford a house in Saint Andrews?
The median home price in Saint Andrews is $235,000. If you put a 20% down payment of $47,000 and had a 30-year fixed mortgage with an interest rate of 6.67%, your estimated principal and interest payment would be $1,210 a month plus property taxes, HOA fees, home insurance, PMI, and utilities. Using the 28% rule, you would need to make at least $52K a year to afford the median home price in Saint Andrews. Learn how much home you can afford with our Home Affordability Calculator. 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, South Panama City, Millville and Watersound.
Are home prices dropping in Saint Andrews?
Yes, home prices in Saint Andrews are down 38% in the last 12 months.
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