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

• 

  

  

  /39

  $345,790 New Construction

  • 4 Beds
  • 2 Baths
  • 2,201 Sq Ft

  11445 Godart St, Panama City, FL 32404

  LIMITED OFFER: Get a tiered rate: 2.99% (Year 1), 3.99% (Year 2), then 4.99% fixed for life. PLUS MOVE IN PACKAGE INCLUDED & COVERING CLOSING COST WITH PREFERRED LENDER!!! Step into 2,201 sq. ft. of modern elegance in this stunning 2026 single-story retreat. Located in a premier waterfront community with direct Bay and Gulf access, this home perfectly blends style with daily practicality. The

  Shae Shepherd Adams Homes Realty, Inc.

  11445 Godart St, Panama City, FL 32404
• 

  

  

  /40

  $395,000

  • 4 Beds
  • 2.5 Baths
  • 2,739 Sq Ft

  3943 Indian Springs Rd, Panama City, FL 32404

  One of the BEST values in Riverside--spacious, stylish, and tucked away on a quiet cul-de-sac! Welcome to 3943 Indian Springs Rd, where space, comfort, and lifestyle come together in one of Panama City's most desirable neighborhoods. With 2,700+ sq ft, 4 bedrooms, Bonus room and a flexible layout, this home is designed for the way you actually live. As you arrive, you'll love the welcoming feel

  Sonja Givens Cope Coldwell Banker Realty

  3943 Indian Springs Rd, Panama City, FL 32404
• 

  

  /2

  $399,000

  • Land
  • 5 Acres
  • $79,800 per Acre

  11432 Highway 77, Panama City, FL 32409

  Great 5 acre parcel with the front 2.5 acres zoned C-3 general commercial and the back 2.5 acres zoned residential. Water and sewer are available at the street.

  Maxie Fleming-Hecht Lagoon Realty

  11432 Highway 77, Panama City, FL 32409
• 

  

  

  /51

  $330,000

  • 3 Beds
  • 2.5 Baths
  • 1,572 Sq Ft

  1359 Capri Dr, Panama City, FL 32405

  🌊 Canal-Front Townhome with Direct Bay Access - Boater's Dream! 🚤 AND NO HOA!! Wake up to waterfront living in this beautifully situated 3-bedroom, 2.5-bath canal-front townhome offering the ultimate coastal lifestyle. With direct access to North Bay, you can step right out your back door and be on the water in minutes--perfect for boating, fishing, or a quick trip over to Shell

  Kim Johnson Think Real Estate

  1359 Capri Dr, Panama City, FL 32405
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  /21

  $345,000

  • 3 Beds
  • 2 Baths
  • 1,462 Sq Ft

  2202 Edgewood Dr, Panama City, FL 32405

  ''Central to everything, newer home with bay and beach access only minutes away. Retail shopping, downtown dining, peaceful surroundings and best of all no HOA. Many builders upgrades to include LVP flooring in all rooms, matching granite countertops in kitchen and bathrooms. Polyresin white plantation shutters and a wonderful outdoor space that includes a hot tub to enjoy your evenings under the

  Doug Addeo Regional Trust Corporation

  2202 Edgewood Dr, Panama City, FL 32405
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  /26

  $329,975 New Construction

  • 4 Beds
  • 2 Baths
  • 1,832 Sq Ft

  7002 William Pitsenbarger Rd, Panama City, FL 32404

  Welcome to 7002 Willam Pitsenbarger Road located at the popular Liberty community in Panama City, Florida. The Beau is one of our new one-story floor plans at Liberty with a spacious design, making it an excellent choice for a new home. With this 4 bedroom, 2-bath home, you will see 1,799 square feet of spacious, comfortable living. As you walk inside the Beau, you will see the long main hallway

  D.R. Horton Builder

  7002 William Pitsenbarger Rd, Panama City, FL 32404
• 

  

  /3

  $333,990 New Construction

  • 5 Beds
  • 3 Baths
  • 2,180 Sq Ft

  5609 Lamar Ln, Panama City, FL 32404

  Discover Your Dream Home in the Pine Hills Community! Welcome to the Gardner Plan a very elegant two-story home designed for both comfort and versatility. The chef's kitchen is a highlight, featuring stylish cabinetry, quartz countertops, and stainless steel appliances, including an electric smooth-top range, over-the-range microwave, and dishwasher.The main floor includes a flexible space

  Octavia Valencia WJH Brokerage FL LLC

  5609 Lamar Ln, Panama City, FL 32404
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  /55

  $329,000

  • 1 Bed
  • 1 Bath
  • 618 Sq Ft

  9850 S Thomas Dr Unit 601E, Panama City, FL 32408

  Is there a 1 bed Gulf front condo in Panama City Beach with strong rental performance, unobstructed east views and recent updates at this price? This D floorplan at Sunbird Beach Resort offers 618 square feet one bedroom, one bath and a prime east tower position with views stretching toward St. Andrews State Park. Welcome to coastal living in the heart of Panama City Beach where this self managed

  Mike Glass LPT Realty LLC

  9850 S Thomas Dr Unit 601E, Panama City, FL 32408
• 

  

  /20

  $329,000

  • 2 Beds
  • 2 Baths
  • 907 Sq Ft

  9900 S Thomas Dr Unit 1715, Panama City, FL 32408

  opportunity! This beautifully maintained 1 bed, 1.5 bath condo offers stunning views of the Gulf of Mexico and is perfect for both relaxation and ROI. Enjoy resort-style living with outdoor pools, and an indoor pool for those rainy days. With numerous amenities, this property promises a luxurious and stress-free lifestyle. Don't miss out--contact your favorite Realtor to schedule your showing

  Chad Miller Miller & Associates Realty

  9900 S Thomas Dr Unit 1715, Panama City, FL 32408
• 

  

  /20

  $375,000

  • 2 Beds
  • 2 Baths
  • 1,294 Sq Ft

  2416 Blue Daze Ave, Panama City, FL 32405

  Welcome to Sweetbay! This custom built 2 bedroom/ 2 bath residence offers the perfect combination of modern design and low-maintenance living all nestled in one of the most sought-after subdivisions in the area. From the moment you arrive, you'll be impressed by the welcoming front porch and thoughtfully landscaped yard. Step inside to find an open-concept living space filled with natural light,

  Sheryl Bradley Beach Realty of Cape San Blas, Inc. - Branch

  2416 Blue Daze Ave, Panama City, FL 32405
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  /4

  $355,000

  • Land
  • 6.28 Acres
  • $56,529 per Acre

  2328 Transmitter Rd, Panama City, FL 32404

  Prime Development Opportunity - Bay County, FloridaThis exceptional 6.281-acre corner parcel offers a prime opportunity for commercial or mixed-use development. Ideally located just 1.5 miles from both Highway 231 and U.S. Highway 98, the property sits at the intersection of Transmitter Road and Brentwood Place, featuring approximately 400 feet of frontage along Transmitter Road. All

  Raul Hernandez Legacy Premier Agency

  2328 Transmitter Rd, Panama City, FL 32404
• 

  

  /59

  $392,500

  • 3 Beds
  • 2.5 Baths
  • 1,608 Sq Ft

  2604 Mystic Ln Unit PO13, Panama City, FL 32408

  Step into this stunning 3-bedroom, 2.5-bath second-floor condo in Waterhaven—a private, gated, non-rental community set directly on the shores of St. Andrews Bay.Inside, you'll find elegant details throughout: crown molding, transom windows, and soaring vaulted ceilings that create a bright, open feel. The living area flows seamlessly to a spacious balcony through French doors, offering a

  Zack Sanchez Think Real Estate

  2604 Mystic Ln Unit PO13, Panama City, FL 32408
• 

  

  /23

  $399,000 New Construction

  • 4 Beds
  • 2 Baths
  • 1,967 Sq Ft

  3813 Red Deer Cir, Panama City, FL 32404

  *Receive $3,000 towards closing costs from preferred lender plus up to $8,000 closing costs from builder* Welcome to Game Farm, a secluded place to call home. Local homebuilder Southern Coastal Homes has brought this quaint community to a central location in Panama City. The community will have a beautiful grand landscaped entry. Wind through the entrance and over the bridge to find this spacious

  Charles Commander Jr. CENTURY 21 Commander Realty

  3813 Red Deer Cir, Panama City, FL 32404
• 

  

  /22

  $345,000

  • 2 Beds
  • 2 Baths
  • 1,028 Sq Ft

  5500 Sunset Ave Unit A, Panama City, FL 32408

  Welcome to Your New Favorite Getaway in Panama City Beach. Step into a coastal retreat that feels more like a home than a rental. This 2-bedroom, 2-bath duplex with NO HOA offers the perfect mix of comfort, charm, and convenience—just a quarter mile from the sugar-white sands of Panama City Beach. Whether you're here to unwind, explore, or make family memories, this thoughtfully curated space is

  Hunter Denton REMAX By The Sea

  5500 Sunset Ave Unit A, Panama City, FL 32408
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  /31

  $335,000

  • 3 Beds
  • 2 Baths
  • 1,664 Sq Ft

  6836 Bayou George Dr, Panama City, FL 32404

  SELLER IS OFFERING $5000.00 CONCESSIONS TOWARDS CLOSING COSTS! Welcome to this beautifully remodeled 3-bedroom, 2-bath home located on Bayou George Drive. Thoughtfully updated throughout, the home features durable and stylish LVP flooring, stainless steel appliances, and retro-tiled bathrooms that add timeless character and charm. The spacious primary suite includes a built-in wall safe, offering

  Thomas Kindos Beachy Beach Real Estate

  6836 Bayou George Dr, Panama City, FL 32404
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  /15

  $399,000

  • 3 Beds
  • 2 Baths
  • 1,144 Sq Ft

  3909 Taurus St, Panama City, FL 32408

  Great investment opportunity! Discover the perfect blend of coastal charm and modern comfort in this updated 3-bedroom, 2-bath home with a single-car garage, ideally situated between Grand Lagoon and the Gulf. Located on a quiet street within walking distance to the beach and Safari Boat Landing, this move-in-ready property has convenience and relaxed coastal living.Recent upgrades include

  Steven Koleno Beycome of Florida LLC

  3909 Taurus St, Panama City, FL 32408
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  /57

  $349,000

  • 2 Beds
  • 1.5 Baths
  • 1,248 Sq Ft

  8015 Beach Dr, Panama City, FL 32408

  ***NO HOA, VERY CLOSE (1-BLOCK AWAY) TO THE GULF OF AMERICA***Welcome home to SILVER SANDS BEACH resort community -- your forever dream home and/or incredible SHORT-TERM rental INVESTMENT opportunity located just 1-block from the white sandy beaches! Just a short walk to the gulf breezes, emerald-blue waters, wild sea oats, and coastal sand dunes of the GULF of AMERICA! Your vacation

  John Doyle EXP Realty LLC

  8015 Beach Dr, Panama City, FL 32408
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  /9

  $307,894 New Construction

  • 3 Beds
  • 2 Baths
  • 1,520 Sq Ft

  11449 Godart St, Panama City, FL 32404

  Corner Lot ! LIMITED OFFER: Get a tiered rate: 2.99% (Year 1), 3.99% (Year 2), then 4.99% fixed for life. PLUS MOVE IN PACKAGE. CLOSING COST COVERED W/ PREFERRED LENDER!! Come Experience The Difference with Adams Homes in this versatile family floorplan. Includes granite countertops, CoreTec Pro Plus flooring, a sprinkler system, and a rear-load two car garage. Enjoy Florida's great outdoors by

  Shae Shepherd Adams Homes Realty, Inc.

  11449 Godart St, Panama City, FL 32404
• 

  

  /59

  $390,000

  • 4 Beds
  • 3 Baths
  • 2,635 Sq Ft

  1024 East St, Panama City, FL 32404

  Welcome to 1024 East Street! Where Florida living meets everyday comfort. This 4 bedroom, 3 full bath home offers serene water views and an in ground pool, creating a setting that's easy to enjoy all year round. Out back you can enjoy a custom built wooden pool deck complete with built-in bench seating, perfect for entertaining around the pool or lounging in the sun during the summer months. If

  Mary Scott Foundation Real Estate Agency LLC

  1024 East St, Panama City, FL 32404
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  /34

  $330,000

  • 3 Beds
  • 2 Baths
  • 1,235 Sq Ft

  3946 W 21st Place, Panama City, FL 32405

  Welcome to this stunning brick home 3/2, CORNER LOT, ideally located just minutes from the Hathaway Bridge and only 15 minutes from the beach. Enjoy a quick 10-minute drive to the FUN filled downtown in Panama City area and St. Andrews Marina. This remarkable property has undergone extensive renovations inside and out making it have an effective year built date of 2023 on the property appraiser

  Tabitha Garcia CENTURY 21 Ryan Realty Inc

  3946 W 21st Place, Panama City, FL 32405
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  /43

  $327,000

  • 3 Beds
  • 2 Baths
  • 1,664 Sq Ft

  5136 Lake Dr, Panama City, FL 32404

  Welcome to this stunning, fully renovated 3-bedroom, 2-bath residence near Tyndall AFB, offering modern comfort and timeless style on almost one acre in a peaceful Panama City neighborhood. With its spacious layout, updated finishes, and impressive outdoor space, this home is truly move-in ready. Step inside to discover an open-concept floor plan highlighted by luxury flooring, fresh finishes,

  Selma Hill Hilltop Legacy Realty

  5136 Lake Dr, Panama City, FL 32404
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  /2

  $302,990 New Construction

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

  Alden Plan at Harvey Heights, Panama City, FL 32409

  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

  200 Lake Merial Blvd Unit 37786237, Panama City, FL 32409
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  /29

  $305,000

  • 1 Bed
  • 1 Bath
  • 609 Sq Ft

  9850 S Thomas Dr Unit 202E, Panama City, FL 32408

  Imagine waking to the sound of gentle waves and stepping onto your private balcony to take in breathtaking panoramic views of the emerald Gulf of America and 500 feet of pristine, sugar-white sands. This one-bedroom condo at the highly sought-after Sunbird Beach Resort offers the perfect blend of coastal luxury and unbeatable value, set within one of Panama City Beach's most iconic beachfront

  Benjamin Nelson Gulf Life Real Estate Inc

  9850 S Thomas Dr Unit 202E, Panama City, FL 32408
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  /50

  $399,900

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

  6212 N Lagoon Dr, Panama City, FL 32408

  Beautiful Home on North Lagoon overlooking North Lagoon. Only minutes away from the Panama City Beach, the World's Most Beautiful Beaches! As you step in, you'll immediately notice the open floor plan with a large living room, heighten ceilings giving it an open, airy feel downstairs, and tile throughout. The roominess of this townhome speaks for itself. Entertain guests and family in the

  Michael Furney Real Estate Investment Service

  6212 N Lagoon Dr, Panama City, FL 32408
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  /31

  $399,000

  • 6 Beds
  • 4 Baths
  • 2,634 Sq Ft

  754 Sherman Ave Unit A&B, Panama City, FL 32401

  This duplex presents a great investment opportunity with its dual-dwelling layout and desirable location. Each side offers 3 bedrooms, 1 full bath, and 1 half bath. It features an open living space flowing directly into the kitchen with updated countertops and ample storage. Its spacious design provides both privacy and versatility for each unit. Built in 2008 and fully remodeled in

  Connor Meyette CENTURY 21 Commander Realty

  754 Sherman Ave Unit A&B, Panama City, FL 32401
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  /13

  $351,210 New Construction

  • 4 Beds
  • 2.5 Baths
  • 1,817 Sq Ft

  7064 Traditions Dr, Panama City, FL 32404

  Spacious two-story home in the sought-after Parkbrook community! This well-designed 1,817 sq ft residence offers 4 bedrooms and 2.5 bathrooms with a functional layout ideal for everyday living and entertaining. The main level features durable Coretec flooring throughout all formal and wet areas, creating a seamless and low-maintenance living space. The open-concept kitchen showcases quartz

  Derick Aubry Adams Homes Realty, Inc.

  7064 Traditions Dr, Panama City, FL 32404
• 

  

  /15

  $357,150

  • 1 Bath
  • 706 Sq Ft

  436 Harrison Ave Unit 5, Panama City, FL 32401

  *The Mashburn Building | Historic Downtown Panama City* Experience a new chapter in Historic Downtown Panama City with The Mashburn Building--a signature four-story development designed to elevate urban living while honoring the character of downtown. This landmark project brings together modern luxury, industrial design, and the energy of a walkable city lifestyle. The third and fourth floors

  Kristen Barr Counts Real Estate Group Inc

  436 Harrison Ave Unit 5, Panama City, FL 32401
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  /17

  $343,400 New Construction

  • 3 Beds
  • 2 Baths
  • 1,717 Sq Ft

  5141 Salvation St, Panama City, FL 32404

  This thoughtfully designed layout offers a perfect fusion of comfort and style, creating a space that feels like home from the moment you step inside. Enter into a charming dining area that leads directly into the kitchen, providing ample room for relaxation and entertaining. The open concept design seamlessly connects the living room, dining area, and kitchen, creating a versatile and inviting

  Derick Aubry Adams Homes Realty, Inc.

  5141 Salvation St, Panama City, FL 32404
• 

  

  /5

  $346,500 New Construction

  • 3 Beds
  • 2 Baths
  • 1,540 Sq Ft

  3112 Douglas Rd, Panama City, FL 32405

  Under construction and nearly ready to impress! This brand-new 3-bedroom, 2-bath home is ideally located in Panama City. Designed with modern living in mind, the home features 9-foot ceilings and luxury vinyl plank flooring throughout, creating a bright and open feel. The open-concept living, dining, and kitchen areas flow effortlessly, making the space ideal for both everyday living and

  Dennis Dunnigan Coastal Choice Realty LLC

  3112 Douglas Rd, Panama City, FL 32405
• 

  $379,850 New Construction

  • 4 Beds
  • 3 Baths
  • 2,074 Sq Ft

  The Milton I 3-M Plan at College Station, Panama City, FL 32404

  Valor Communities Builder

  3876 Sandpine Way Unit 36474701, Panama City, FL 32404
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  /66

  $389,000 Open Sun 12PM - 2PM

  • 3 Beds
  • 2.5 Baths
  • 1,892 Sq Ft

  4108 Transmitter Rd, Panama City, FL 32404

  Welcome to 4108 Transmitter Road, a beautifully maintained Craftsman-style residence nestled in the heart of Panama City. Set on an expansive .48-acre lot, this 3-bedroom, 2.5-bathroom home offers timeless character, thoughtful updates, and exceptional versatility -- all in a central location convenient to shopping, dining, schools, and daily essentials. From the moment you arrive, the home's

  Rebekah Peterson Anchor Realty Florida

  4108 Transmitter Rd, Panama City, FL 32404
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  /36

  $368,600 New Construction

  • 3 Beds
  • 3.5 Baths
  • 1,646 Sq Ft

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

  The Sabal is a versatile two-story plan designed for flexible living. With 3 bedrooms and 3 baths, including a main-level primary suite with tile-to-ceiling shower and walk-in closet, this plan balances comfort, privacy, and convenience.Upstairs, a second primary suite and third bedroom with its own ensuite bath provide flexible options for family or guests. The kitchen features stainless steel

  Harris Doyle Homes Builder

  3204 Heartleaf Ave E Unit 37003960, Panama City, FL 32405
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  /53

  $379,655 New Construction

  • 3 Beds
  • 2.5 Baths
  • 1,545 Sq Ft

  18 Wood Ave, Panama City, FL 32404

  Step into this beautifully designed semi-custom new construction home, thoughtfully upgraded inside and out. From the moment you arrive, you'll notice the curb appeal with durable Hardie siding, a metal roof, and impact-rated windows and doors that may help reduce insurance costs. The exterior is complete with a paver driveway, sodded yard with irrigation, a privacy-fenced backyard, and a

  Mark Cowart Counts Real Estate Group Inc

  18 Wood Ave, Panama City, FL 32404
• 

  

  /20

  $369,000

  • 4 Beds
  • 2 Baths
  • 2,129 Sq Ft

  4774 Firefly Ln, Panama City, FL 32404

  Beautiful 4 Bedroom Home in Sought-After Titus Park! Welcome to your dream home in Titus Park— one of Panama City's fastest-growing and most desirable communities! Built in 2021, this spacious 4 bedroom, 2 bathroom home offers nearly 2,100 sq. ft. of modern living space with an open-concept design perfect for both entertaining and everyday life. Prime Location: Just off Highway 231, you'll enjoy

  Chris Shelton Beachy Beach Real Estate

  4774 Firefly Ln, Panama City, FL 32404
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  /39

  $314,999

  • 4 Beds
  • 2 Baths
  • 1,670 Sq Ft

  3920 Whitehead Blvd, Panama City, FL 32404

  Situated in the popular Magnolia Hills neighborhood, this spacious home provides modern living just minutes from schools, shopping, and dining. Built in 2020, this beautiful 4-bedroom, 2-bath home offers thoughtful design, and comfortable living spaces throughout. Inside you will find an open concept floor plan that connects the living, dining, and kitchen areas, creating the perfect space for

  The Beasley Group Compass

  3920 Whitehead Blvd, Panama City, FL 32404
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  /26

  $328,000

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

  6404 Pine Dr, Panama City, FL 32408

  Welcome to 6404 Pine Dr, a beautifully updated single-family home in the heart of Panama City Beach! This 3-bedroom, 2-bath split-floor plan offers 1,420 sq ft of comfortable living space, thoughtfully designed with the master suite on one side and two additional bedrooms on the other for added privacy.Step inside to find new flooring, fresh interior paint, and an inviting open layout with a

  James McKeen CENTURY 21 Commander Realty

  6404 Pine Dr, Panama City, FL 32408
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  /42

  $359,900

  • 5 Beds
  • 3 Baths
  • 3,341 Sq Ft

  816 Transmitter Rd, Panama City, FL 32401

  Conveniently located just 10 miles from Tyndall Air Force Base and 15 miles from the beach, this spacious 5-bedroom, 3-bathroom home offers comfort, efficiency, and flexibility. Highlights include a private pool with a brand-new 2025 liner and motor, a durable 2019 metal roof, and PAID-OFF solar panels keeping the average electric bill around $30 per month. The main level features 3 bedrooms and

  Ethan Bruckner Think Real Estate

  816 Transmitter Rd, Panama City, FL 32401
• 

  

  /34

  $395,000

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

  9900 S Thomas Dr Unit 1921, Panama City, FL 32408

  Welcome to Shores of Panama in beautiful Panama City Beach. This Gulf front 2-bedroom condo with additional hall bunks includes a highly sought-after assigned parking space and offers west-facing sunset views. From the private balcony, enjoy a direct overlook of the signature lagoon-style zero-entry pool surrounded by tropical landscaping, bridges, hot tub, and the iconic dolphin

  Darlene Tate RC Real Estate Group

  9900 S Thomas Dr Unit 1921, Panama City, FL 32408
• 

  

  /26

  $354,000

  • 3 Beds
  • 2 Baths
  • 1,788 Sq Ft

  3622 Gaines St, Panama City, FL 32404

  3622 Gaines St, Panama City, FL is a ranch style 3 bedroom 2 bath home on a large .6 acre lot with a privacy fenced back yard. The house has low maintenance brick siding and beautiful shade trees in the front yard to ease the cooling bill with the double paned windows. When it comes to parking, you get a 2 car attached garage, enough concrete driveway with a turn around for more than a few cars,

  John Shook Clubbs Real Estate Group LLC

  3622 Gaines St, Panama City, FL 32404
• 

  

  /30

  $309,750

  • 1 Bed
  • 1 Bath
  • 609 Sq Ft

  9850 S Thomas Dr Unit 911E, Panama City, FL 32408

  Welcome to your slice of paradise at Sunbird! This beautifully positioned 9th-floor unit offers breathtaking Gulf views and the perfect opportunity to enjoy beachfront living or maximize rental potential. Unit 911E features an open and inviting layout with abundant natural light, creating a bright coastal atmosphere throughout. Step out onto your private balcony and take in the stunning emerald

  Tara Braun Beachy Beach Real Estate

  9850 S Thomas Dr Unit 911E, Panama City, FL 32408

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