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

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  /29

  $314,900 New Construction

  • 4 Beds
  • 2 Baths
  • 2,045 Sq Ft

  7345 Morningside Dr, Panama City, FL 32404

  Welcome to 7345 Morningside Drive, a new home floor plan at Morningside in Panama City, Florida. The Ryder is a large open floor plan design complete with many features and space for you and your family. As you walk up to the home, you will be welcomed by the covered front porch and the spacious two-car garage. Around the house you will see durable vinyl siding all around, large yards at

  D.R. Horton Builder

  7345 Morningside Dr, Panama City, FL 32404
• 

  

  

  /49

  $400,000

  • 1 Bed
  • 2 Baths
  • 936 Sq Ft

  9900 S Thomas Dr Unit 1925, Panama City, FL 32408

  This unit 1925 at Shores of Panama Beach Resort has been renovated to include comfort and beauty and provides endless opportunities for relaxing by the Gulf! When you enter the unit you will already begin to feel relaxed when viewing the mesmerizing coastal views! Once inside the unit you have amazing views from the Master bedroom and the Kitchen living area! This is the perfect sunset spot too

  Charles Sowers Realty One Group Emerald Coast

  9900 S Thomas Dr Unit 1925, Panama City, FL 32408
• 

  

  

  /20

  $314,500

  • 4 Beds
  • 3 Baths
  • 1,725 Sq Ft

  6 Harvard Cir, Panama City, FL 32405

  Welcome to 6 Harvard Circle, a beautifully renovated 1,725 sq ft detached single family home offering modern upgrades, an excellent layout, and a prime Panama City location. This move-in ready 4 bedroom, 3 bath home has been thoughtfully updated from top to bottom with brand new LVP (luxury vinyl plank) flooring throughout, fresh sheetrock, updated interior paint, new cabinetry, new appliances,

  Carole Lea Gilman Keller Williams Realty Emerald

  6 Harvard Cir, Panama City, FL 32405
• 

  

  

  /29

  $309,900 New Construction

  • 3 Beds
  • 2 Baths
  • 1,293 Sq Ft

  The Eldridge Plan at Liberty, Panama City, FL 32404

  Welcome to the Eldridge, a new home floor plan located at Liberty in Panama City, Florida. The Eldridge is one of our one-story floorplans featured in our Liberty community in Panama City, Florida. Featuring a front primary bedroom, 2 car garage, and open living room and kitchen, it is a cozy home designed for the first-time home buyer. As you enter this 3 bedroom, 2 bath home, you will see 1,293

  D.R. Horton Builder

  6225 Chapman Ln Unit 37183183, Panama City, FL 32404
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  /9

  $349,000

  • Land
  • 0.98 Acre
  • $356,122 per Acre

  721 Avery St, Panama City, FL 32405

  Centrally located commercial site in the heart of the Highway 77 market area in Panama City. Located behind the C21 office on Highway 77 and across Avery Street from Kohls and Planet Fitness. The site is zoned General Commercial (GC-2) in Panama City and allows for many uses.

  Timothy Carroll Counts Real Estate Group

  721 Avery St, Panama City, FL 32405
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  /27

  $369,000

  • 2 Beds
  • 2 Baths
  • 1,075 Sq Ft

  6505 Thomas Dr Unit 1005, Panama City, FL 32408

  Experience breathtaking 10th-floor Gulf-front living in this beautifully appointed 2-bedroom, 2-bath condo. From the moment you walk in, you're greeted with sweeping views of the emerald waters and sugar-white sands below. The spacious master bedroom features large windows that frame the coastline perfectly. The open living and dining area provides plenty of space to relax or entertain, all while

  Kenny Schell Pineapple Properties

  6505 Thomas Dr Unit 1005, Panama City, FL 32408
• 

  

  /35

  $360,000

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

  9860 S Thomas Dr Unit 1211, Panama City, FL 32408

  Welcome to Unit 1211 at Laketown Wharf Resort, a beautifully remodeled three bedroom, two bathroom condominium offering stunning Gulf views and excellent rental potential. This spacious unit features an open-concept living and dining area filled with natural light, updated finishes throughout, and a private balcony ideal for enjoying sunsets over the emerald waters of the Gulf of Mexico. Recent

  James Griffitts EXP Realty LLC

  9860 S Thomas Dr Unit 1211, Panama City, FL 32408
• 

  

  /14

  $315,990 New Construction

  • 4 Beds
  • 2 Baths
  • 2,062 Sq Ft

  5125 Harvey St, Panama City, FL 32404

  Welcome to the Palmer, a home from our Value collection designed to enhance family and friend gatherings with its open living concept. This spacious home boasts 4 bedrooms and 2 baths, providing ample space for all your needs. As you step into the Palmer, you’ll be greeted by the inviting open living room and dining room, creating a warm and welcoming ambiance. Continuing further, you’ll discover

  Holiday Builders Builder

  5125 Harvey St, Panama City, FL 32404
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  /32

  $327,500

  • 2 Beds
  • 2 Baths
  • 1,086 Sq Ft

  8727 Thomas Dr Unit C40, Panama City, FL 32408

  $5k Sellers Credit to cover the cost of ALL NEW FLOORING throughout!!! Imagine cherishing something so much that you keep it in your family for almost 30 years. Such love is something seldom found in today's society, but this truly special condo has been blessed with seeing several generations of sandy feet, sun kissed shoulders, and lifelong memories created by the same caring family. From the

  Garrett Aune Beachy Beach Real Estate

  8727 Thomas Dr Unit C40, Panama City, FL 32408
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  /44

  $355,000

  • 1 Bed
  • 1.5 Baths
  • 740 Sq Ft

  8743 Thomas Dr Unit 225, Panama City, FL 32408

  Don't miss your chance to own a beautifully maintained, turnkey beachfront condo in the vibrant heart of Panama City Beach. This spacious one-bedroom, two-bath unit comfortably sleeps six with a king-size master bedroom, cozy hallway bunk beds featuring reading lights, and a living room with a sofa sleeper - perfect for family getaways or rental income potential. Enjoy private access to a

  Mike Johnson Century 21 BE3

  8743 Thomas Dr Unit 225, Panama City, FL 32408
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  /42

  $399,000

  • 3 Beds
  • 2.5 Baths
  • 2,151 Sq Ft

  237 Sherman Ave, Panama City, FL 32401

  Welcome to this spacious and energy-efficient home on a large 0.48-acre lot! Built in 2020 and lightly lived in, this 3-bed, 2-bath home offers over 2,100 sq ft of well-designed living space with accessibility in mind—including extra-wide doorways and hallways. Enjoy the wraparound porch with multiple covered patio areas, perfect for outdoor relaxation. Interior features include a cathedral

  Melana Weems Realty Check Real Estate Services

  237 Sherman Ave, Panama City, FL 32401
• 

  $303,990 New Construction

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

  261 Seneca Ave, Panama City, FL 32404

  Welcome to the Holiday Builders’ Value collection, where exceptional living begins. Discover the charm of the Arbor new home floorplan. This 3 bedroom, 2 bath home with a 2 car garage, spans 1,568 square feet. As you approach, the covered front entry beckons you inside, setting the tone for what lies beyond. Step into a spacious open living area as your journey begins in the convenient foyer,

  Holiday Builders Builder

  261 Seneca Ave, Panama City, FL 32404
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  /33

  $342,600 New Construction

  • 2 Beds
  • 2 Baths
  • 1,375 Sq Ft

  Mangrove Plan at SweetBay - The Cottages - Townhomes, Panama City, FL 32405

  The Mangrove is a charming one-story lock-and-leave home designed for easy living. With 2 bedrooms and 2 baths, including a private primary suite, this plan features an open living area that connects the kitchen, dining, and great room.Storage is abundant with a large laundry room, pantry, and walk-in closets, and the primary bath includes a tile-to-ceiling shower. A guest bath serves the second

  Harris Doyle Homes Builder

  3204 Heartleaf Ave E Unit 37004016, Panama City, FL 32405
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  /26

  $355,000

  • 3 Beds
  • 2 Baths
  • 2,069 Sq Ft

  7582 Yellow Bluff Rd, Panama City, FL 32404

  **OPEN HOUSE SATURDAY 1/24 9AM-1PM & SUNDAY 1/25 12-3PM** Ideal for military relocation, 7582 Yellow Bluff Rd offers comfort, convenience, and true Florida living just minutes from Tyndall Air Force Base. This beautifully improved 3-bedroom, 2-bath home is perfectly suited for active-duty service members, veterans, and civilian personnel seeking a move-in-ready property with space to relax and

  Tammie Charbono Epique Realty Inc

  7582 Yellow Bluff Rd, Panama City, FL 32404
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  /31

  $399,000

  • 4 Beds
  • 2 Baths
  • 1,946 Sq Ft

  1817 W 25th St, Panama City, FL 32405

  Welcome home to this beautifully maintained, move-in ready all-brick residence tucked away on a quiet cul-de-sac, offering both privacy and comfort. Luxury vinyl plank flooring runs throughout the home, creating a seamless and durable foundation for everyday living.The spacious living room features an electric fireplace and flows effortlessly into the dining room and kitchen. Solid surface

  Shani Lee CENTURY 21 Commander Realty

  1817 W 25th St, Panama City, FL 32405
• 

  

  /16

  $324,000 New Construction

  • 4 Beds
  • 2 Baths
  • 1,438 Sq Ft

  1416 E Park Rd, Panama City, FL 32404

  Welcome to your dream home! This beautiful 4-bedroom, 2-bath new construction sits on a spacious lot over a quarter of an acre in a quiet, well-established neighborhood — no HOA and no restrictions! Enjoy a bright, open floor plan filled with natural light, featuring luxury waterproof LVP flooring throughout and a modern white shaker kitchen with granite countertops and elegant cabinetry. The

  Nieves Martinez Xcellence Realty

  1416 E Park Rd, Panama City, FL 32404
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  /69

  $359,000

  • 1 Bed
  • 2 Baths
  • 936 Sq Ft

  9900 S Thomas Dr Unit 225, Panama City, FL 32408

  Step into coastal comfort at Unit 225 at the Shores of Panama, one of PCB's most iconic full-amenity resorts. This beautifully maintained condo sits on the second floor, giving you the perfect blend of convenience, privacy, and quick access to the beach, pool deck, and parking garage. Inside, you'll find an inviting open layout with a full kitchen, granite countertops, and a spacious living area

  Patrick Casey Full Sail Realty of NWFL

  9900 S Thomas Dr Unit 225, Panama City, FL 32408
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  /28

  $317,500

  • 4 Beds
  • 2.5 Baths
  • 2,382 Sq Ft

  7113 Shimano Way, Panama City, FL 32404

  *HUGE Price Reduction - Seller Motivated* Step inside to an airy, open-concept layout where daily life stays connected. The kitchen is the natural gathering spot—an island for quick breakfasts, a breakfast bar for homework chats, a pantry to keep essentials organized, and plenty of room for a big dining table. The great room flows for movie nights and game days, while a separate front flex room

  The Wheeler Sauls Collective Salty Marlin Realty LLC

  7113 Shimano Way, Panama City, FL 32404
• 

  /2

  $400,000

  • Land
  • 0.5 Acre
  • $800,000 per Acre

  3705 W Highway 98, Panama City, FL 32401

  ZONED C-2 GENERAL COMMERCIAL Excellent price for a commercial corner. Prime property as you are entering Panama City from Panama City Beach. This property has so many allowable usages which include 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 as you drive past it as you head

  Andy Gonsalves Counts Real Estate Group Inc

  3705 W Highway 98, Panama City, FL 32401
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  /71

  $379,000

  • 4 Beds
  • 3.5 Baths
  • 2,156 Sq Ft

  4736 Bigleaf Ln, Panama City, FL 32408

  This home checks ALL the boxes, upgrades galore! The Monroe floor plan features TWO master bedrooms (1-upstrais and 1 downstairs) Ground-level bedroom with en-suite bath, perfect for guests or multigenerational living; plus a convenient half bath for visitors on first floor. From the upstairs deck you can see throughout the community, and from your living room, dining room, 2-upstairs bedrooms

  Angela Hale ERA Neubauer Real Estate, Inc

  4736 Bigleaf Ln, Panama City, FL 32408
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  /28

  $324,999

  • 3 Beds
  • 2.5 Baths
  • 1,420 Sq Ft

  2226 Joan Ave Unit 4, Panama City, FL 32408

  Welcome to Seaside Heights! This beautifully maintained 3-bedroom, 2.5-bath townhome offers the perfect blend of comfort, convenience, and income potential—whether you're looking for a primary residence, second home, or short-term rental. With 1,420 sq. ft. of living space, the home features durable Hardie Board and stone exterior, LVP flooring throughout, 9' ceilings, and upgraded solid-surface

  Anat Shmueloff EXP Realty LLC

  2226 Joan Ave Unit 4, Panama City, FL 32408
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  /41

  $355,000

  • 1 Bed
  • 2 Baths
  • 936 Sq Ft

  9900 S Thomas Dr Unit 2325, Panama City, FL 32408

  23rd Floor Condo with Amazing Views for miles as you walk to your front door. Balcony views give you Westerly and South Gulf Views and fabulous views of the dynamic pool area. This Top Floor Penthouse unit sleeps 6 and has one full bedroom and bath, bunk room and bath, spacious living room/dining area and modern kitchen. Kitchen has granite countertops, stainless steel appliances, updated

  Paul LaCourse Anchor Realty Florida

  9900 S Thomas Dr Unit 2325, Panama City, FL 32408
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  /48

  $379,500

  • 4 Beds
  • 3 Baths
  • 1,813 Sq Ft

  1851 Airport Cir, Panama City, FL 32405

  Step into this beautifully renovated ranch-style home just moments from the ever-popular SweetBay community. Fresh updates make this four-bedroom, three-bath residence completely move-in ready, offering the ideal blend of comfort and convenience. The heart of the home is the open kitchen that flows seamlessly into the great room, creating a warm, inviting space perfect for everyday family life.

  Mark Cowart Counts Real Estate Group Inc

  1851 Airport Cir, Panama City, FL 32405
• 

  

  /23

  $330,000

  • 1 Bed
  • 1.5 Baths
  • 682 Sq Ft

  5717 Thomas Dr Unit C146, Panama City, FL 32408

  SELLER SAYS BRING ALL OFFERS!!! Completely Renovated Condo in the Highly Desired Largo Mar! Experience coastal living at its finest in this fully renovated condo, just steps from the world's most beautiful beaches! Enjoy the refreshing Gulf breezes and partial water views from your private balcony on the main level. This thoughtfully updated unit features a two-story layout with the main living

  Joey Virga Virga Realty Inc

  5717 Thomas Dr Unit C146, Panama City, FL 32408
• 

  

  /49

  $395,000

  • 4 Beds
  • 3 Baths
  • 2,414 Sq Ft

  6001 Minneola St, Panama City, FL 32404

  Welcome to the kind of home that rarely hits the market fully updated, thoughtfully laid out, and loaded with the features buyers search for most: no HOA, a brick exterior, a private pool, a fenced backyard, a large kitchen with brand-new appliances, and two oversized garages with space you simply don't see every day.Step inside and you're welcomed by a classic brick fireplace and new

  Mowayne Copeland Keller Williams Success Realty

  6001 Minneola St, Panama City, FL 32404
• 

  

  /23

  $340,000

  • 2 Beds
  • 2 Baths
  • 1,048 Sq Ft

  8815 Thomas Dr Unit 207, Panama City, FL 32408

  Moondrifter 207 is a turnkey beachfront condo designed for both enjoyment and strong rental performance, offering direct Gulf views and a prime location next to the future Tootsies entertainment complex, which will further drive demand and appreciation. Recent high-value upgrades—including a 2025 A/C system, a 2024 balcony slider, a 2024 washer and dryer, and a 2025 dishwasher—ensure lower

  Viola Zhuravel Fun Quest Vacation Rentals Corp

  8815 Thomas Dr Unit 207, Panama City, FL 32408
• 

  

  /56

  $395,000

  • 4 Beds
  • 2.5 Baths
  • 2,306 Sq Ft

  1018 S Kimbrel Ave, Panama City, FL 32404

  **OPEN HOUSE SATURDAY 02/07 11AM-3PM** Beautiful brick home situated on a spacious one-acre lot, conveniently located just minutes from Tyndall Air Force Base and the white-sand beaches of Panama City Beach. Thoughtfully designed to blend comfort, functionality, and modern efficiency, this property offers generous living space, ample storage, and numerous upgrades throughout.The interior

  Raul Hernandez Legacy Premier Agency

  1018 S Kimbrel Ave, Panama City, FL 32404
• 

  $398,178 New Construction

  • 2 Beds
  • 2 Baths
  • 1,167 Sq Ft

  2301 Larkspur St, Panama City, FL 32405

  Harris Doyle Homes Builder

  2301 Larkspur St, Panama City, FL 32405
• 

  

  /26

  $360,000

  • 2 Beds
  • 2.5 Baths
  • 1,158 Sq Ft

  5720 Beach Dr, Panama City, FL 32408

  This Beach Townhouse is located in the South Lagoon area, just blocks from the Gulf of Mexico. This is a great income producing property with no HOA and in flood zone X. This 2 bedroom 2 1/2 bath townhouse ready for you or visitors to enjoy all that Panama City Beach has to offer! From the master bedroom balcony you can enjoy view of the Gulf. The unit is fully furnished. The Roof was replaced in

  Cindy Hamre Coastal Choice Realty LLC

  5720 Beach Dr, Panama City, FL 32408
• 

  $302,490 New Construction

  • 3 Beds
  • 2 Baths
  • 1,568 Sq Ft

  5133 Harvey St, Panama City, FL 32404

  Welcome to the Holiday Builders’ Value collection, where exceptional living begins. Discover the charm of the Arbor new home floorplan. This 3 bedroom, 2 bath home with a 2 car garage, spans 1,568 square feet. As you approach, the covered front entry beckons you inside, setting the tone for what lies beyond. Step into a spacious open living area as your journey begins in the convenient foyer,

  Holiday Builders Builder

  5133 Harvey St, Panama City, FL 32404
• 

  

  /24

  $325,000

  • 4 Beds
  • 2 Baths
  • 1,748 Sq Ft

  3334 10 Acre Rd, Panama City, FL 32405

  Built in 2018, this beautifully maintained 4 bedroom, 2 bathroom home offers just under 1800 sq ft of modern living with LVP flooring, new carpet in the primary bedroom and custom accent walls throughout. The open layout is filled with natural light, perfect for everyday comfort or entertaining. Enjoy a low maintenance yard, underground utilities and a convenient location close to schools,

  Miranda Barnes Beachy Beach Real Estate

  3334 10 Acre Rd, Panama City, FL 32405
• 

  

  /14

  $335,000

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

  9860 S Thomas Dr Unit 907, Panama City, FL 32408

  Own a Slice of Paradise at Laketown Wharf - Gulf-View Turnkey Investment! Discover the perfect blend of luxury, convenience, and rental potential with this stunning 2-bedroom, 2-bathroom condo, plus an additional bunk room--ideal for maximizing occupancy and returns. Wake up to breathtaking Gulf views and enjoy a fully equipped kitchen featuring stainless steel appliances, granite countertops,

  Andrew Turner Real Broker LLC

  9860 S Thomas Dr Unit 907, Panama City, FL 32408
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  /62

  $302,900 New Construction

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

  7109 William Pitsenbarger Rd, Panama City, FL 32404

  Welcome to the Lismore, a new home floor plan located at Liberty in Panama City, Florida. The Lismore 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

  Mark Miles DR Horton Realty of Emerald Coast, LLC

  7109 William Pitsenbarger Rd, Panama City, FL 32404
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  /34

  $399,900

  • 3 Beds
  • 2 Baths
  • 2,137 Sq Ft

  4417 Fletcher St, Panama City, FL 32405

  Tucked inside one of the area's best kept secret neighborhoods, this classic 1957 ranch sits on a generous .39 acre lot just minutes from Carl Gray Park and the public boat ramp. With over 2,000+ sq ft, this 3 bedroom, 2 bath home delivers the solid feel, spacious layout, and original character buyers are constantly searching for but rarely find. Thoughtful updates like fresh paint, new vanities,

  Millie Mcclung Counts Real Estate Group Inc

  4417 Fletcher St, Panama City, FL 32405
• 

  

  /16

  $350,000

  • 4 Beds
  • 2 Baths
  • 1,794 Sq Ft

  7110 Maxwell Ct, Panama City, FL 32404

  Welcome home to this beautifully remodeled gem just minutes from Tyndall Air Force Base the perfect fit for a military family or first-time homebuyer! Featuring a new roof installed after Hurricane Michael and modern upgrades throughout, this home blends comfort, style, and peace of mind. Step inside to an open-concept living area, new flooring, and contemporary finishes. The kitchen boasts

  Team Don and Bubba EXP Realty LLC

  7110 Maxwell Ct, Panama City, FL 32404
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  /5

  $397,800

  • Land
  • 1.87 Acres
  • $212,727 per Acre

  1900 Northside Dr Unit 5, Panama City, FL 32405

  Lot #5. Great Commercial development opportunity. This premier location is zoned GC-2. The lot is 2.47 acres with 224' of road frontage on west 19th Street and 480' on Northside Drive. The ENVIRONMENTAL RESOURCE PERMIT has been issued (FDEP No. 0278696-010-EM/03), which means the site is design ready with Stormwater Engineering and Wetland Delineation completed. This lot is one of five that can

  Andy Gonsalves Counts Real Estate Group Inc

  1900 Northside Dr Unit 5, Panama City, FL 32405
• 

  

  /60

  $399,000

  • 3 Beds
  • 2.5 Baths
  • 1,840 Sq Ft

  2603 Mystic Ln Unit PO46, Panama City, FL 32408

  This two-story Waterhaven condo is a dream with its beautiful kitchen, lofted ceilings, and spacious layout. From the crown molding to the hardwood flooring, every detail seems carefully designed for comfort and elegance. The oversized kitchen island and high-end appliances like the Viking gas range oven, Sub Zero refrigerator, and a wine fridge perfect for entertaining guests or enjoying your

  Connor Meyette CENTURY 21 Commander Realty

  2603 Mystic Ln Unit PO46, Panama City, FL 32408
• 

  

  /69

  $389,000

  • 2 Beds
  • 2 Baths
  • 1,230 Sq Ft

  8730 Thomas Dr Unit 410, Panama City, FL 32408

  Bring Your Boat! Enjoy one of the best lagoon views in the complex from this spacious 40-foot wraparound balcony, perfect for sunrise coffee or sunset entertaining. Located just minutes from the Gulf by boat, this waterfront condo offers the ideal blend of boating, beach, and convenience. This highly sought-after floor plan features 2 bedrooms and 2 bathrooms on the same level, making it both

  Roger Rietsema Allison James Estates & Homes

  8730 Thomas Dr Unit 410, Panama City, FL 32408
• 

  

  /27

  $334,900

  • 3 Beds
  • 2 Baths
  • 1,184 Sq Ft

  585 Lagoon Oaks Dr, Panama City, FL 32408

  Motivated seller! Bring all offers!! Welcome to your slice of Florida paradise in Lagoon Oaks, a sought-after area where locals love to live. This solid, well-built 3-bedroom, 2-bathroom beach house sits on a large lot with a paved driveway spacious enough to park your boat, RV, or both! Enjoy the freedom of no HOA, a garage for extra storage, and plenty of room to relax or entertain in your huge

  Natalie Shanina Legacy Premier Agency

  585 Lagoon Oaks Dr, Panama City, FL 32408
• 

  

  /32

  $399,000

  • 2 Beds
  • 3 Baths
  • 1,148 Sq Ft

  9900 S Thomas Dr Unit 1707, Panama City, FL 32408

  Discover the epitome of coastal living in this meticulously updated 2 master bedroom, 3-bath condo. Immerse yourself in luxury with new stainless steel appliances, fresh paint throughout, and all new stylish furnishings, decor and even complimented by new window treatments. The fully equipped kitchen features new backsplash, new stainless appliances and granite countertops. With accommodations

  Patrick Pate Beach Haven Realty

  9900 S Thomas Dr Unit 1707, Panama City, FL 32408

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