Panama City, FL Homes for Sale under $400,000

• 

  

  

  /28

  $389,900 New Construction

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

  3821 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

  3821 Red Deer Cir, Panama City, FL 32404
• 

  $309,990 New Construction

  • 4 Beds
  • 2.5 Baths
  • 1,891 Sq Ft

  Littleton Plan at Magnolia Ridge - Majors Collection, Panama City, FL 32404

  Lennar Builder

  3981 Alwyn Cashe Ave Unit 39324833, Panama City, FL 32404
• 

  

  

  /44

  $325,000

  • 4 Beds
  • 2 Baths
  • 1,812 Sq Ft

  6481 Slabinski Ln, Panama City, FL 32404

  Built for comfort, designed for function, and positioned on the water—this well-kept home offers the kind of everyday living that just makes sense. Step inside to an open-concept layout that balances clean design with practical space, making it ideal for both daily routines and effortless entertaining. The kitchen serves as the heart of the home with white cabinetry, stainless steel appliances,

  Joshua Hoey Think Real Estate

  6481 Slabinski Ln, Panama City, FL 32404
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  /25

  $300,000

  • 1 Bed
  • 1.5 Baths
  • 740 Sq Ft

  8743 Thomas Dr Unit 227, Panama City, FL 32408

  This 1-bedroom, 1.5-bath unit at The Summit delivers exactly what investors want: an unbeatable Gulf view, updated interiors, and a location that's about to explode in value. Step inside to LVP flooring throughout, a bright open layout, and a private balcony overlooking the sugar-white sand and emerald water. It sleeps great, rents easily, and stays booked—exactly what Summit buyers chase. The

  Sandi Smith Dalton Wade Inc

  8743 Thomas Dr Unit 227, Panama City, FL 32408
• 

  

  

  /44

  $360,000

  • 1 Bed
  • 1 Bath
  • 609 Sq Ft

  9850 S Thomas Dr Unit 102W, Panama City, FL 32408

  $40K price reduction!! First floor!! No elevators!! No stairs!! Just walk on out to the pool and the BEACH!! Experience effortless coastal living in this beautifully renovated ground floor Gulf front condo, where stunning direct views of the Gulf and pristine sandy beaches greet you the moment you step inside. This inviting beachfront retreat features an open kitchen with granite countertops,

  Mike Glass LPT Realty LLC

  9850 S Thomas Dr Unit 102W, Panama City, FL 32408
• 

  

  /27

  $389,999

  • 3 Beds
  • 2 Baths
  • 1,901 Sq Ft

  551 Blue Heron Dr, Panama City, FL 32404

  This home offers space, flexibility, and outdoor living on a half-acre lot in Pelican Point Subdivision. Move-in ready, it features three bedrooms, two bathrooms, and a split floor plan with a fireplace and a roomy primary suite that includes a walk-in closet. The primary bathroom comes with a separate shower and a deep bathtub. The modern kitchen is outfitted with stainless steel appliances and

  Gail Elliott Coastal Choice Realty LLC

  551 Blue Heron Dr, Panama City, FL 32404
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  /26

  $304,900 New Construction

  • 3 Beds
  • 2 Baths
  • 1,410 Sq Ft

  Panama City, FL 32401

  Welcome to the ''BEECH'' floor plan! This beautiful 3 bedroom/ 2 bathroom NEW construction home is conveniently located in NO HOA close to shopping, restaurants and more. Interior features to include 9 ft. ceilings and luxury vinyl plank flooring throughout; Inside you will find a spacious open concept living room with tray ceiling overlooking the kitchen. Kitchen features a kitchen

  Christina Daniels Keller Williams Success Realty

  Panama City, FL 32401
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  /38

  $319,900 New Construction

  • 3 Beds
  • 2 Baths
  • 1,580 Sq Ft

  The Walker Plan at Liberty, Panama City, FL 32404

  Welcome to the Walker, a new home floor plan located at Liberty in Panama City, Florida. The Walker is thoughtfully designed 3-bedroom, 2-bathroom, one-story home with 1,580 square feet of modern living. On the outside of your home, you will see durable vinyl siding, a spacious two-car garage with an opener and a fully sodded yard to the property lines. This home comes equipped with dimensional

  D.R. Horton Builder

  6225 Chapman Ln Unit 37183182, Panama City, FL 32404
• 

  

  /5

  $339,500

  • Land
  • 0.88 Acre
  • $385,795 per Acre

  7210 Bay Crest Rd, Panama City, FL 32409

  **WATERFRONT WITH DEEP WATER ACCESS! ** .88 ACRES in a great location! This property is located in Southport, FL, on Gainer Bayou . No HOA! Clear and ready to build! This property offers plenty of space for building your dream home with a waterfront view! This almost 1 Acre lot also offers 97 feet of waterfront. Fishing, Crab trapping, Kayaking and dolphin watching all from your own back yard!

  Jonathan Minerick HomeCoin.com

  7210 Bay Crest Rd, Panama City, FL 32409
• 

  

  /32

  $369,900

  • 4 Beds
  • 2 Baths
  • 1,711 Sq Ft

  3810 Heartwood St, Panama City, FL 32404

  Welcome home to College Station, where quality construction meets thoughtful with this rare home and high-end upgrades. This beautifully enhanced brick Vanderbilt floor plan offers a spacious, open layout designed for both everyday living and effortless entertaining. Inside, you'll find vaulted ceilings, Luxury Vinyl flooring, and quartz countertops throughout, paired with custom solid wood

  Connie Rivera Gulf Life Real Estate Inc

  3810 Heartwood St, Panama City, FL 32404
• 

  

  /31

  $340,000

  • 4 Beds
  • 2 Baths
  • 1,796 Sq Ft

  137 Arlington Dr, Panama City, FL 32404

  Have you ever wanted to live on the water with a nice sized yard and close to dining and shopping? If so, then this home is the one your looking for. With 4 spacious bedrooms and 2 bathrooms, almost a 1⁄2 acre lot, only 15-20 minutes from 23rd ST, and 10 minutes to Tyndall Air Force Base. Kitchen is spacious and offers plenty of cabinet space. Master bedroom offers double closets. You can slide

  Lee Tadlock Northwest Florida Realty, LLC

  137 Arlington Dr, Panama City, FL 32404
• 

  

  /49

  $335,000

  • 4 Beds
  • 2.5 Baths
  • 2,361 Sq Ft

  7120 Hatteras Blvd, Panama City, FL 32404

  Welcome to the 'Galen' a spacious 4 bedroom/2.5 bathroom + Flex space floorplan located just off Hwy 231 in a cul-de-sac! This home showcases lvp flooring throughout the downstairs; Flex space and 1/2 bath situated off the entry way leading to the open-concept kitchen/living room. The kitchen features a island/breakfast bar, stainless steel appliances, pantry, and eat-in dining area overlooking

  Christina Daniels Keller Williams Success Realty

  7120 Hatteras Blvd, Panama City, FL 32404
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  /37

  $330,000

  • 4 Beds
  • 2 Baths
  • 2,077 Sq Ft

  8011 Betty Louise Dr, Panama City, FL 32404

  This inviting property combines modern comfort with relaxed charm on almost 1/2 an Acre. Just minutes from Tyndall Air Force Base, shopping, dining, and the white sandy beaches of Panama City Beach & Mexico Beach. Step inside to find a bright, open-concept floor plan through the foyer that allows for easy living and entertaining. Featuring 2 separate living spaces, one with a brick wood burning

  Coralee King Beachy Beach Real Estate

  8011 Betty Louise Dr, Panama City, FL 32404
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  /32

  $314,000

  • 4 Beds
  • 2 Baths
  • 1,768 Sq Ft

  3903 Ereno Ct, Panama City, FL 32405

  * Motivated seller offering up to $4,000 in closing costs for a limited time! * Tranquil cul-de-sac living in the heart of Panama City, just minutes from shopping, dining, schools, and the beaches. This move-in ready home offers the perfect balance of modern comfort and outdoor lifestyle — with no HOA restrictions. Inside, you'll find an open and inviting layout with updated finishes throughout,

  Ethan Davis Corcoran Reverie

  3903 Ereno Ct, Panama City, FL 32405
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  /65

  $360,500

  • 1 Bed
  • 1.5 Baths
  • 740 Sq Ft

  8743 Thomas Dr Unit 422, Panama City, FL 32408

  Remarks: This stunning, fully updated 1 Bedroom 1.5 Bath lower-level condo offers a coastal and turnkey rental opportunity. Features include Complete renovation with all new electrical, plumbing, water heater and HVAC. Drop ceilings with recessed lighting for bright, clean look. New finishes throughout including doors, trim, flooring, and paint. Custom built-in bunks. Updated kitchen with new

  Jo Cochran Anchor Realty Florida

  8743 Thomas Dr Unit 422, Panama City, FL 32408
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  /47

  $369,900

  • 3 Beds
  • 2 Baths
  • 1,985 Sq Ft

  3812 Redbud Way, Panama City, FL 32404

  Move-in ready and packed with upgrades, this solid brick home offers the charm, durability, and curb appeal buyers love. Meticulously maintained and freshly painted, this 3-bedroom, 2-bath home welcomes you with a bright open-concept living, kitchen, and dining area ,perfect for entertaining or relaxing at home. Enjoy the popular split-bedroom layout with two bedrooms and a shared bath near the

  Mowayne Copeland Keller Williams Success Realty

  3812 Redbud Way, Panama City, FL 32404
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  /32

  $390,900

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

  9860 S Thomas Dr Unit 622, Panama City, FL 32408

  Gulf breezes in the morning, sunset colors over the lagoon at night—life at Laketown Wharf is all about easy beach days and memory-making nights. Natural light fills an open living space that steps out to a private balcony for coffee, cocktails, and stargazing. The floor plan is set up for fun trips with family and friends, including a bunk niche that adds the extra sleeping space travelers look

  Eddie Navarez Salty Marlin Realty LLC

  9860 S Thomas Dr Unit 622, Panama City, FL 32408
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  /5

  $300,000

  • 4 Beds
  • 2 Baths
  • 1,834 Sq Ft

  4740 Loblolly Way, Panama City, FL 32404

  This Titus Park home is a Brick Cali floor plan with separate metered irrigation, larger upgraded soaking tub, gutters, and water softener. It is located 6 miles from route 77 and 23 street. 14 miles from Tyndall, and 30 minutes to the Navy Dive center. Centrally located with Publix at Lindsey xing and Winn Dixie. North Bay Haven Charter School within a 5 minute drive. Lynn Haven Bayou Park and

  Scott Hamilton GMX Realty

  4740 Loblolly Way, Panama City, FL 32404
• 

  

  /3

  $353,648 New Construction

  • 3 Beds
  • 2 Baths
  • 1,634 Sq Ft

  3596 Basal St, Panama City, FL 32404

  As you enter the home, you are welcomed into a foyer that leads you into the main living area. The open-concept design seamlessly connects the kitchen, dining area, and living room, creating a spacious and inviting atmosphere. The kitchen is equipped with modern appliances, plenty of cabinet space, and a breakfast bar, making it a chef's dream. The adjacent dining area provides a perfect space

  Connie Berry Adams Homes Realty, Inc.

  3596 Basal St, Panama City, FL 32404
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  /11

  $327,900

  • 3 Beds
  • 2 Baths
  • 1,744 Sq Ft

  109 Concord Cir, Panama City, FL 32405

  BACK ON THE MARKET AT NO FAULT OF THE SELLER....3/2 with Extra Room newly remodeled home on a half acre in the heart of Panama City. Literally be anywhere you want in town in 5 minutes. All new cabinets with new stainless appliances and quartz countertops and backsplash. LVP flooring throughout. New HVAC and water heaters. Nest thermostat and doorbell cam. Updated electric. Whole home solar which

  Steven Koleno Beycome of Florida LLC

  109 Concord Cir, Panama City, FL 32405
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  /28

  $389,000 New Construction

  • 4 Beds
  • 2.5 Baths
  • 1,972 Sq Ft

  3884 Red Deer Cir Unit Lot 22, Panama City, FL 32404

  Welcome to Game Farm - A Peaceful Place to Call Home. Take advantage of exclusive incentives: enjoy a special 5.99% interest rate plus $3,000 toward closing costs with our preferred lender. Created by Ben Wortman Construction, a veteran and proud Bay County local, Game Farm offers the perfect blend of privacy and convenience in the heart of Panama City. From the moment you wind through the

  Charles Commander Jr. CENTURY 21 Commander Realty

  3884 Red Deer Cir Unit Lot 22, Panama City, FL 32404
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  /79

  $329,000

  • 3 Beds
  • 2 Baths
  • 1,526 Sq Ft

  4043 Woodville Ln, Panama City, FL 32405

  Move in ready! Be prepared to be impressed! This 3 bedroom, 2 Bath home is at the end of a cul-de-sac and has a huge yard with a storage shed in the back. The Privacy fence (side and rear yards), insures a secure area and on this street there is no through traffic to deal with. All tile flooring throughout, is easy to care for. There is an office space which is handy. The large living room with a

  R. Skip Koski Keller Williams Success Realty

  4043 Woodville Ln, Panama City, FL 32405
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  /30

  $384,900

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

  6216 N Lagoon Dr, Panama City, FL 32408

  *OPEN HOUSE SATURDAY(2/7) 12-2pm* Welcome Home! Spacious end unit Townhome close To Everything! Walking distance to the Beach, Capt. Andersons, Schooners, St. Park, Shopping, Fishing, Pontoon Rentals & Marinas. Features Include: Beautiful view of the lagoon from private master balcony, secluded open deck off of 2nd and 3rd bedrooms, Large Screened In Patio, breakfast bar & added Loft Area not

  Ryan Powell Keller Williams Success Realty

  6216 N Lagoon Dr, Panama City, FL 32408
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  /34

  $349,000

  • 3 Beds
  • 2 Baths
  • 1,673 Sq Ft

  11007 S Bear Creek Rd, Panama City, FL 32404

  Tucked away on .59 acres, this custom-built 3-bedroom, 2-bath home offers the perfect blend of peaceful, rural living and everyday convenience. With no HOA and a fully fenced backyard, this property is ideal for anyone craving space, privacy, and freedom, whether that means room for animals, a garden, or simply enjoying quiet evenings at home. Inside, you'll find 1,673 sq. ft. of thoughtfully

  Morgan Benton EXP Realty LLC

  11007 S Bear Creek Rd, Panama City, FL 32404
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  /43

  $400,000

  • 5 Beds
  • 3 Baths
  • 2,556 Sq Ft

  4942 Loblolly Way, Panama City, FL 32404

  Step inside this BEAUTIFUL 2-STORY home located in the highly sought-after community of Titus Park. As you enter, you're greeted by a FLEX SPACE that can serve as a FORMAL DINING area or OFFICE. The FAMILY ROOM is open and spacious, connecting seamlessly to the KITCHEN and DINING AREA, and leads out to the BACK PORCH with a FENCED in yard. Downstairs also includes BEDROOM 2 with a full bath

  Victoria Davis EXP Realty LLC

  4942 Loblolly Way, Panama City, FL 32404
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  /53

  $377,900

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

  9860 S Thomas Dr Unit 1026, Panama City, FL 32408

  Enjoy the amazing Gulf Views from the 10th floor of Laketown Wharf Resort. With private access gate to the beach and 5 pools, pickleball, bars, pizza, seafood, taco, Ice cream and more available, you always feel like there is something fun to do at this resort.This unit is a spacious 2 Bedroom, +Bunkroom, 2 Full Baths, being sold completely furnished, includes all major kitchen and laundry

  Mark Chambliss Coastal Palms Real Estate

  9860 S Thomas Dr Unit 1026, Panama City, FL 32408
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  /46

  $319,900

  • 3 Beds
  • 2 Baths
  • 1,736 Sq Ft

  5031 Park St, Panama City, FL 32404

  Welcome to Park Street! This charming and well-established neighborhood is conveniently located near a variety of restaurants, shops, parks, local beaches, grocery stores, and gyms and is just a short drive to Panama City Beach. This brick home has been completely remodeled to meet today's standards of beauty while still preserving its original charm and character. It features tile and solid oak

  Melany Hathcock Keller Williams Success Realty

  5031 Park St, Panama City, FL 32404
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  /28

  $387,500

  • 1 Bath
  • 656 Sq Ft

  436 Harrison Ave Unit 15, 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 15, Panama City, FL 32401
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  /29

  $355,000

  • 4 Beds
  • 3 Baths
  • 1,802 Sq Ft

  5338 Frank Hough Rd, Panama City, FL 32404

  A beautifully renovated 4-bedroom, 3-bath home ideally situated in the desirable Cherokee Heights area of Panama City. Blending classic charm with modern comfort, this spacious residence offers an open, inviting layout perfect for both everyday living and entertaining.Step inside to find a bright and airy main living area featuring new durable tile flooring throughout and an open-concept

  Melissa Hinote MATCHMAKER REALTY OF ALACHUA COUNTY

  5338 Frank Hough Rd, Panama City, FL 32404
• 

  

  /44

  $350,000

  • 4 Beds
  • 2 Baths
  • 1,576 Sq Ft

  1409 Cherry St, Panama City, FL 32401

  Updated, move in ready, and located in the heart of The Cove, this 4 bedroom, 2 bathroom home delivers the lifestyle buyers are chasing. Set on a spacious lot, the home features brand new white cabinetry, stone countertops, and fully remodeled kitchen and bathrooms with a clean, modern finish. Enjoy golf cart friendly living with easy access throughout The Cove and into Downtown Panama City,

  Paul Gibney Corcoran Reverie

  1409 Cherry St, Panama City, FL 32401
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  /42

  $379,000

  • 3 Beds
  • 2 Baths
  • 1,478 Sq Ft

  6325 Elm St, Panama City, FL 32408

  Discover the perfect blend of comfort, convenience, and coastal charm at 6325 Elm Street in Panama City Beach, FL. Beautifully renovated, updated, decorated, and fully rental-ready, this turnkey property offers documented rental history and future bookings secured through March 2026—a rare opportunity for both investors and second-home seekers. Ideally located less than 2 miles from the beach and

  Scott Suber Beach Haven Realty

  6325 Elm St, Panama City, FL 32408
• 

  

  /39

  $322,500

  • 3 Beds
  • 2 Baths
  • 1,542 Sq Ft

  2602 Glenview Ave, Panama City, FL 32405

  Welcome home to this charming 3 bedroom, 2 bath single-family residence located on a quiet dead-end street in Panama City, FLorida. Designed with both comfort and privacy in mind, the home features a split-bedroom floor plan, with the primary suite thoughtfully separated from the additional rooms, perfect for homeowners and guests.Enjoy everyday living and entertaining in a fully fenced

  Teresa Dyer Realty One of Northwest Florida LLC

  2602 Glenview Ave, Panama City, FL 32405
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  /32

  $345,000

  • 4 Beds
  • 2 Baths
  • 2,492 Sq Ft

  2506 W 26th St, Panama City, FL 32405

  Welcome to this spacious 4-bedroom home in the heart of Panama City, offering over 2,400 square feet of living space on a generous 0.32-acre lot. Located in Island View Estates and directly across from a community park, this property pairs an excellent location with strong investment and lifestyle potential. Whether you're looking to customize a home to your taste or secure your next rental or

  The Wheeler Sauls Collective Salty Marlin Realty LLC

  2506 W 26th St, Panama City, FL 32405
• 

  

  /14

  $350,000

  • Land
  • 1.46 Acres
  • $239,726 per Acre

  6304 Ivy C Rd, Panama City, FL 32404

  Waterfront Property - Two Parcels, Nearly 1.5 Acres, Cleared & Ready to Build! An incredible opportunity awaits with this waterfront property totaling nearly 1.5 acres, offered as a two-parcel package. Already cleared and ready for construction, this property provides the perfect setting to design your dream home or investment project. Enjoy beautiful views overlooking Emmons Bayou, with

  Jordan Jarrett Keller Williams Success Realty

  6304 Ivy C Rd, Panama City, FL 32404
• 

  

  /25

  $345,000

  • 3 Beds
  • 2 Baths
  • 2,241 Sq Ft

  2531 Frankford Ave, Panama City, FL 32405

  Price Improvement and move in ready --- Spacious 3 bedroom 2 bathroom in the Kings Point area. In Panama City limits per Bay GIS. Classic brick ranch with painted brick veneer. Lot has frontage on small pond which provides for extra privacy. Newer roof, new windows, new appliances include refrigerator, stove, microwave, dishwasher and garbage disposal. Fresh paint [interior and exterior], door

  Don Giles GILES APPRAISAL GROUP, INC

  2531 Frankford Ave, Panama City, FL 32405
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  /48

  $349,000

  • 1 Bed
  • 2 Baths
  • 1,047 Sq Ft

  9860 S Thomas Dr Unit 2116, Panama City, FL 32408

  OWNER-FINANCE AVAILABLE FOR PENTHOUSE UNIT!!! Why wait on traditional lenders when you can step into condo ownership now with terms this good? Here's what makes this worth it: Only 25% down - secure the property without tying up all your capital. Low interest rate - keep monthly payments comfortable and predictable, so you can cash flow. Flexible 3-5 year balloon - plenty of time to refinance,

  Ramone Silvera Salty Marlin Realty LLC

  9860 S Thomas Dr Unit 2116, Panama City, FL 32408
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  /37

  $358,000

  • 2,760 Sq Ft

  2209 U S 231, Panama City, FL 32405

  Zoned C-3A(BC) and located along Hwy 231 just minutes from 23rd street makes this property the perfect buy. All of the junk and cars currently stored will be removed by the sellers. The main building includes 1500 Sqft of storage space with large rolling doors on each side to allow large items to be stored along with a 480sqft room with a garage door for easy access. To the left side of the

  Corey Joseph Corcoran Reverie

  2209 U S 231, Panama City, FL 32405
• 

  $306,490 New Construction

  • 3 Beds
  • 2 Baths
  • 1,721 Sq Ft

  5145 Harvey St, Panama City, FL 32404

  Introducing the Alden, a beautiful home from the Holiday Builders’ Value collection designed to exceed your expectations. This charming 3 bedroom, 2 bath residence encompasses 1,721 square feet of well-designed living space and features a covered front entry that adds an inviting touch. Extra windows allow the abundant sunlight to gracefully dance across the home, infusing the space with a

  Holiday Builders Builder

  5145 Harvey St, Panama City, FL 32404
• 

  

  /68

  $360,500

  • 1 Bed
  • 1.5 Baths
  • 740 Sq Ft

  8743 Thomas Dr Unit 1108, Panama City, FL 32408

  This stunning, fully updated 1 Bedroom 1.5 Bath condo offers a coastal and turnkey rental opportunity. Features include Complete renovation with all new electrical, plumbing, water heater and HVAC. Drop ceilings with recessed lighting for bright, clean look. New finishes throughout including doors, trim, flooring, and paint. Custom built-in bunks. Updated kitchen with new custom cabinets, granite

  Jo Cochran Anchor Realty Florida

  8743 Thomas Dr Unit 1108, Panama City, FL 32408
• 

  

  /62

  $345,000

  • 1 Bed
  • 1 Bath
  • 609 Sq Ft

  9850 S Thomas Dr Unit 1004W, Panama City, FL 32408

  2024 Gross rental revenue = $46,425. Indulge in your own oasis with this adorable beachfront condo, and its sweeping views of the mesmerizing Emerald Coast; it is no wonder why this unit has a proven strong rental history. Situated on the 10th floor of the West tower, this property offers an unparalleled vantage point to soak in the beauty of the coastline. Offered fully furnished & decorated,

  Jacqueline Luberto Realty ONE Group Emerald Coast

  9850 S Thomas Dr Unit 1004W, Panama City, FL 32408

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