Panama City, FL Homes for Sale under $500,000

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  /40

  $463,000

  • 4 Beds
  • 2 Baths
  • 2,581 Sq Ft

  2628 Briarcliff Rd, Panama City, FL 32405

  Seller offering 5K credit to buyer for closing cost assistance or buyers choice....AND this home is Appraised above list price...so you start out ahead! Completely Updated Brick 4/2 w/Pool and Great Big Outdoor Entertainment area. Centrally located to town, Tyndall and Beach! Don't skip looking at this one. It's cooling off a bit so come enjoy this beautiful outdoor entertainment space with a

  Debby Hove Beachy Beach Real Estate

  2628 Briarcliff Rd, Panama City, FL 32405
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• 

  

  /2

  $442,500

  • Land
  • 28.49 Acres
  • $15,532 per Acre

  2141 Hwy 2297, Panama City, FL 32404

  This is a phenomenal acreage for this area. This parcel is 90% in the X Shaded flood zone( no flood insurance required) and 80 percent of the property has contour elevations greater than 10 ft. This property is in Bay County, Zoned R-1. The size of the property allows for development. The 1.03 acre lot at 2141 Hwy 2297(07399-057-000) allows access to the acreage and is included in the sale making

  Bruce Mackay ERA Neubauer Real Estate Inc

  2141 Hwy 2297, Panama City, FL 32404
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  /33

  $450,000

  • 3 Beds
  • 2 Baths
  • 2,624 Sq Ft

  1221 Highway 2297, Panama City, FL 32404

  Beautiful 5-Year-Old Modular Home on 9.3 Acres - Modern Farmhouse StyleWelcome to this stunning, nearly new 3-bedroom, 2-bath modular home showcasing modern farmhouse charm and an inviting open floor plan. The spacious kitchen features a large island, abundant counter space, and an adjoining dining area, perfect for gatherings. Quality appliances including an upgraded oversized refrigerator,

  Peggy Hanson Counts Real Estate Group

  1221 Highway 2297, Panama City, FL 32404
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  /22

  $479,900

  • 2 Beds
  • 2 Baths
  • 1,152 Sq Ft

  9450 S Thomas Dr Unit 1703C, Panama City, FL 32408

  Make your escape to the Boardwalk Beach Resort! This 2 bedroom, 2 bathroom condo features an open concept floor plan with sparkling floor to ceiling windows. Every picture and piece of furniture adds to the interior's decor. There is plenty of living space with comfortable seating and multiple dining areas. A fully equipped kitchen with granite counter tops includes plenty of cookware and

  Reggie Johns Portfolio Real Estate and Management Group

  9450 S Thomas Dr Unit 1703C, Panama City, FL 32408
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  /41

  $419,999

  • 4 Beds
  • 2 Baths
  • 2,680 Sq Ft

  2916 Fairmont Dr, Panama City, FL 32405

  2916 Fairmont Dr. was built in 1983 by Bob Edwards—widely recognized as one of Bay County's finest builders—showcases his signature craftsmanship and timeless design. Constructed of solid brick, the 4 bedroom + 2 full bath residence features exposed brick accents in the living room and kitchen, along with a distinctive brick wall in the foyer, a hallmark of all Edwards homes. The kitchen is

  Katilyn Scott Compass Florida, LLC

  2916 Fairmont Dr, Panama City, FL 32405
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  /14

  $493,686 New Construction

  • 3 Beds
  • 3 Baths
  • 2,659 Sq Ft

  12818 Lake Merial Strand Dr, Panama City, FL 32409

  Introducing the Eden, an exceptional floorplan from the Cornerstone collection by Holiday Builders. This stunning home offers a spacious and well-designed layout, combining functionality, style, and comfort to meet your every need. As you step into the foyer, you’ll immediately notice a den on the left, providing a versatile space that can be tailored to your preferences. Whether you envision it

  Holiday Builders Builder

  12818 Lake Merial Strand Dr, Panama City, FL 32409
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  /60

  $499,000

  • 3 Beds
  • 2.5 Baths
  • 2,358 Sq Ft

  5108 Blue Harbor Dr, Panama City, FL 32404

  Welcome to Paradice, where you can enjoy beautiful sunsets over Pitts Bayou. This home offers easy access to deep water for boats with a 6-foot draft and includes a 16-foot wide boat slip. A full-service marina is just a quarter mile away. As you enter, you'll find 10-foot ceilings with recessed lighting throughout. The kitchen has dark wood cabinets and granite countertops, with a breakfast bar

  Melany Hathcock Keller Williams Success Realty

  5108 Blue Harbor Dr, Panama City, FL 32404
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  /44

  $458,500

  • 3 Beds
  • 4 Baths
  • 2,578 Sq Ft

  3116 Wood Valley Rd, Panama City, FL 32405

  UNFINISHED MOTHER IN LAW SUITE READY FOR YOUR DESIGN. Located on a desirable corner lot in the sought-after Premier Estates neighborhood, this fully remodeled 3-bedroom, 3-bath home offers 2,578 sq. ft. of beautifully updated living space plus a rare unfinished mother-in-law suite—1,680 sq. ft. total, with 1,320 sq. ft. once heated and cooled—ready for your personal design. The main home features

  Kurt Fadden Legacy Premier Agency

  3116 Wood Valley Rd, Panama City, FL 32405
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  /56

  $450,000

  • 3 Beds
  • 2 Baths
  • 2,218 Sq Ft

  12808 Merial Waters Pass, Panama City, FL 32409

  Beautifully maintained 3-bedroom, 2-bathroom all-brick home located in one of Bay County's most highly sought-after gated communities, complete with a private lake. Offering over 2,200 sq ft of heated and cooled living space, this property blends generous room sizes with stylish finishes to create the perfect environment for both relaxing and entertaining. Lake Merial is a 300-acre gated

  Jordan Jarrett Keller Williams Success Realty

  12808 Merial Waters Pass, Panama City, FL 32409
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  /54

  $469,683 New Construction

  • 4 Beds
  • 2 Baths
  • 1,620 Sq Ft

  1510 Drift Rose Ct Unit LOT 745 - WAVERLY PL, Panama City, FL 32405

  Builder is offering a $15,000 use-as-you-choose incentive or Rates as low as 4.49% PLUS $7,500 towards closing costs with preferred lender! The Waverly plan by Harris Doyle Homes in Indigo Lakes at SweetBay is ready for a new owner soon! The open great room has tall ceilings and connects to the dining area and island kitchen with stainless appliances, stone countertops and tile backsplash all

  Janet Melton SweetBay Realty

  1510 Drift Rose Ct Unit LOT 745 - WAVERLY PL, Panama City, FL 32405
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  /37

  $430,000

  • 3 Beds
  • 2 Baths
  • 1,698 Sq Ft

  7238 Skywater Dr, Panama City, FL 32404

  Completely Remodeled Waterfront Home in Deerpoint Estates!Welcome to this stunning canal-front home in the highly sought-after Highpoint area! Situated on a spacious 100x200 lot with direct access to beautiful Deerpoint Lake, this 3-bedroom, 2-bath brick home has been completely remodeled down to the studs—everything is brand new and designed with today's modern styles and finishes. Inside,

  Daryle Burkey Coldwell Banker Realty

  7238 Skywater Dr, Panama City, FL 32404
• 

  

  /22

  $424,800 New Construction

  • 3 Beds
  • 4 Baths
  • 1,733 Sq Ft

  2445 Mercedes Ave, Panama City, FL 32405

  New Construction'' You will love this beautiful home made for entertaining and comfort. Main living area open and airy, with family room , kitchen , dining all in one. Home also has 3 bedrooms/4 full baths, each bedroom has it's own bath. Nice laundry area, double garage and room for a pool in backyard. Home also features recessed lighting, tray ceiling, vinyl wood flooring, ceiling fans,

  Marcia Preston CENTURY 21 Commander Realty

  2445 Mercedes Ave, Panama City, FL 32405
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  /26

  $415,000

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

  9900 S Thomas Dr Unit 1407, Panama City, FL 32408

  Wake up to the sound of waves and the sight of sugar-white sands and emerald Gulf waters—this Shores of Panama beachfront condo in Panama City Beach, Florida delivers the ultimate coastal escape. This beautifully laid-out 2-bedroom + bunk room, 3 full bath unit spans 1,148 square feet and is the perfect blend of comfort and investment potential. Designed to maximize rental income, it offers

  Marcus Parrish Gulf Life Real Estate Inc

  9900 S Thomas Dr Unit 1407, Panama City, FL 32408
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  /37

  $415,000

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

  1539 Donna Ave, Panama City, FL 32404

  ** 3.125% assumable mortgage!!!** Welcome to your dream home at the beach. This stunning SFH underwent a full renovation in 2020 including new roof. With many more upgrades completed in 2024, new pool pump, patio awning, pump well, sprinkler system, recessed can lighting and living room layout redesign. The kitchen has gas oven and range, island with breakfast bar and sleek granite countertops.

  Tiffani Salinas Compass

  1539 Donna Ave, Panama City, FL 32404
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  /49

  $445,000

  • 3 Beds
  • 2 Baths
  • 2,095 Sq Ft

  7312 Highway 2311, Panama City, FL 32404

  Discover a home that truly offers the best of Deerpoint Estates living. This well-kept 3-bedroom, 2-bath property gives you comfort, space, and an incredible outdoor setup, all less than 2 minutes from the Deerpoint Lake boat ramp. If you love boating, fishing, or simply being near the water, this location is hard to beat. From the moment you step inside, the home feels bright and inviting. The

  Raymond Williams PA Think Real Estate

  7312 Highway 2311, Panama City, FL 32404
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  /40

  $499,000

  • 3 Beds
  • 2 Baths
  • 1,407 Sq Ft

  324 S Palo Alto Ave, Panama City, FL 32401

  Introducing an exceptionally refined 3-bedroom, 2-bath residence offering 1,407 sq. ft. of impeccably finished, heated and cooled living space in the prestigious, historic Cove neighborhood—just minutes from Downtown Panama City's waterfront, dining, and the renowned St. Andrews Yacht Club.Reimagined with uncompromising craftsmanship, this home has undergone a complete high-end renovation,

  Zacarias Sanchez Think Real Estate

  324 S Palo Alto Ave, Panama City, FL 32401
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  /35

  $479,900 New Construction

  • 4 Beds
  • 3.5 Baths
  • 2,758 Sq Ft

  The Camden Plan at Liberty, Panama City, FL 32404

  Welcome to the Camden, a new home floor plan at Liberty in sunny Panama City, Florida. The Camden is a spacious 4 bedroom, 3.5 bath home with over 2700+ square feet of comfort. The Camden floor plan has many sought after benefits including a roomy three car garage, an appointed dining room, and the highlighted feature is the bonus room with an attached bedroom and bathroom that can be used as an

  D.R. Horton Builder

  6225 Chapman Ln Unit 36208584, Panama City, FL 32404
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  /19

  $440,000

  • Land
  • 0.96 Acre
  • $458,333 per Acre

  2204 Thomas Dr, Panama City, FL 32408

  . Prime Commercial Opportunity in the Heart of Panama City Beach, Florida! Located at 2204 Thomas Drive, this highly desirable property boasts a strategic location with a high traffic count, offering maximum visibility and exposure for any business venture. Situated amidst bustling activity, this parcel is zoned C-3, making it versatile for various commercial purposes. With the scarcity of vacant

  Justin Cater LLC EXP Realty LLC

  2204 Thomas Dr, Panama City, FL 32408
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  /15

  $425,000

  • 5 Beds
  • 2 Baths
  • 1,954 Sq Ft

  1006 E 2nd Ct, Panama City, FL 32401

  *** Huge, and elegant white 5 bedrooms/ 2 baths concrete corner house *** One of the biggest houses in THE COVE neighborhood. Centrally located within walking distance to Cherry, Jinks, and Bay Schools, and short drive to the beach, St. Andres Bay, downtown and the Tyndall Air Force Base! *** Over $200K in upgrades! Completely renovated with modern finishes, new flooring, freshly painted,

  Milton Vergara Red Real Estate Associates, LL

  1006 E 2nd Ct, Panama City, FL 32401
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  /44

  $425,000

  • 4 Beds
  • 2 Baths
  • 1,622 Sq Ft

  221 N Cove Blvd, Panama City, FL 32401

  Welcome to a rare find in the heart of The Cove, where timeless charm meets exceptional opportunity. This distinguished corner-lot residence offers a unique blend of old-world character and modern-day comfort, set on an expansive parcel that invites endless possibilities — including space for a future pool or additional living quarters.The main house features three well-appointed bedrooms and

  Jolene Bryant Coastal Palms Real Estate

  221 N Cove Blvd, Panama City, FL 32401
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  /20

  $499,990 New Construction

  • 4 Beds
  • 3 Baths
  • 2,750 Sq Ft

  212 Lake Merial Blvd, Panama City, FL 32409

  Introducing the Rosemary floorplan from the Cornerstone collection by Holiday Builders. This impressive home offers 4 bedrooms, a den, 3 total baths, a 2-car garage, and 2,750 square feet of luxurious living space. As you enter through the stately covered porch, you’ll step into a welcoming foyer. To the right, a formal dining room awaits, providing an elegant space for hosting dinner parties and

  Holiday Builders Builder

  212 Lake Merial Blvd, Panama City, FL 32409
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  /24

  $455,000

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

  7405 Beach Dr Unit B, Panama City, FL 32408

  Your Perfect Beach Investment Awaits!Just steps—less than a block—from the sugar-white sands of Panama City Beach, this beautifully updated townhouse delivers the ideal blend of coastal living and income-producing potential. Whether you're looking for a personal getaway, a long-term rental, or a high-performing short-term investment, this property checks every box. Inside, you'll find a

  Stephanie Shipp World Impact Real Estate

  7405 Beach Dr Unit B, Panama City, FL 32408
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  /9

  $425,000

  • 6 Beds
  • 5 Baths
  • 2,384 Sq Ft

  2810 W 15th St, Panama City, FL 32401

  Discover a prime investment opportunity in one of the most sought-after areas of Panama City, FL—Historic St. Andrews. This property is strategically located on HWY 98, the busiest road in the county. Currently, it features 4 rental units: a 3-bedroom, 2-bath home; two separate studio apartments; and one cottage with 1 bedroom and 1 bath, totaling 6 bedrooms and 5 baths. The rentals generate

  Anastasiia Dmytrenko Coldwell Banker Realty

  2810 W 15th St, Panama City, FL 32401
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  /40

  $450,000

  • 3 Beds
  • 2 Baths
  • 1,849 Sq Ft

  3113 Heartleaf Ave E, Panama City, FL 32405

  *If you're looking for a home in SweetBay that is literally turn-key, look no further! Featuring a VA assumable mortgage of 2.25%, this Anna Maria floor plan with the coastal elevation and small back yard for easy maintenance is available for immediate occupancy. Complete with custom blinds, this is one of the most desirable floor plans with limited availability. From the time you enter the front

  Kim Johnson Think Real Estate

  3113 Heartleaf Ave E, Panama City, FL 32405
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  /67

  $485,000

  • 3 Beds
  • 3 Baths
  • 1,681 Sq Ft

  9860 S Thomas Dr Unit 1121, Panama City, FL 32408

  Welcome to Laketown Wharf 1121***Best GULF VIEW Discover luxury living with this gorgeous condo offering the most spectacular view of the Gulf of Mexico. Bask in the beauty of the sunset from the comfort of your own home. This fully renovated condo exudes a fresh and modern vibe, featuring brand-new floors, freshly painted walls, and stylishly updated lighting fixtures. Every detail has been

  Phyllis Holloway Coastal Living Realty & Associates

  9860 S Thomas Dr Unit 1121, Panama City, FL 32408
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  /43

  $479,999

  • 4 Beds
  • 2 Baths
  • 1,800 Sq Ft

  6703 S Lagoon Dr, Panama City, FL 32408

  Fully remodeled home on a spacious corner lot just across the street from the water and nearby boat ramp. This property features a new permitted roof, new HVAC, new windows, new water heater, new appliances, new flooring, updated bathrooms, and fresh paint throughout. Truly move-in ready in a prime S Lagoon Dr location.

  Chris Allen Real Broker LLC

  6703 S Lagoon Dr, Panama City, FL 32408
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  /32

  $409,900 New Construction

  • 5 Beds
  • 3 Baths
  • 2,145 Sq Ft

  5152 Porter Way, Panama City, FL 32404

  Welcome to 5152 Porter Way, one of our new homes at Titus Park in Panama City, Florida. The Kennedy is a 5 bedroom, 3 bathroom home with 2145 square feet of beautiful, spacious living making this the perfect home for a family looking for more room or for those who want to have family and friends visit the popular Panama City, located just miles down the road. When you enter this beautiful home,

  D.R. Horton Builder

  5152 Porter Way, Panama City, FL 32404
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  /23

  $469,900 New Construction

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

  9019 Laird St, Panama City, FL 32408

  ~DEVELOPER TO PAY HOA FEES THROUGH 2028!~This brand-new home is located within an exclusive 9-home development in a rapidly growing and highly desirable area of Panama City Beach. Enjoy close proximity to the beach while still tucked away in a peaceful residential setting. As an added bonus, the Developer will cover all HOA fees through 2028, giving the new homeowner zero HOA payments until

  Chad Bruce Coastal Sun Realty LLC

  9019 Laird St, Panama City, FL 32408
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  /37

  $469,900

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

  608 Amberjack Dr, Panama City, FL 32408

  **608 Amberjack Drive | Bay Point** Three-bedroom, two-bath home located in Bay Point, a gated golf course community with tennis courts and a full-service marina. This home has been recently updated with fresh interior paint and new flooring throughout. Additional features include a private hot tub and an open floor plan. Bay Point is a secure, established neighborhood with 24-hour security and

  Tresha Brown LPT Realty LLC

  608 Amberjack Dr, Panama City, FL 32408
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  /26

  $449,900

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

  9900 S Thomas Dr Unit 2007, Panama City, FL 32408

  Master Bedroom faces gulf! Enjoy floor-to-ceiling glass doors to the balcony from both the living room and the master bedroom. This 2-bedroom + bunk room, 2.5-bath layout lives like a 3-bedroom condo and rents like one too. Located in the ideal Stack 20, giving the best Gulf, Beach AND Pool views! ✨ Seller is offering flexible owner financing with a substantial down payment and agreeable

  Carla Singleton Ohana Real Estate Services

  9900 S Thomas Dr Unit 2007, Panama City, FL 32408
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  /27

  $455,000

  • 3 Beds
  • 3 Baths
  • 1,512 Sq Ft

  8727 Thomas Dr Unit B17, Panama City, FL 32408

  The Investor's Trifecta!!! LOWEST OVERALL PRICE, LOWEST Sq/Ft PRICE, and some of the LOWEST HOA's of all the 3 Bedroom / 3 Bathroom condos located on the beach! This is the ONLY condo in town that offers all 3! And when you consider that highly anticipated development is taking place on both sides of the complex - this truly is the right opportunity, in the right location, at the right price, at

  Garrett Aune Beachy Beach Real Estate

  8727 Thomas Dr Unit B17, Panama City, FL 32408
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  /54

  $482,000 New Construction

  • 3 Beds
  • 2.5 Baths
  • 2,009 Sq Ft

  Tucker Plan at Breakfast Point East, Panama City, FL 32407

  *Please note finishings, offerings, and structural options shown in photography and/or matterports vary by series level. Contact your New Home Sales Consultants for more information.

  Harris Doyle Homes Builder

  401 Breakfast Point Blvd Unit 37003990, Panama City, FL 32407
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  /26

  $450,000

  • 4 Beds
  • 2.5 Baths
  • 2,445 Sq Ft

  3205 Wood Valley Rd, Panama City, FL 32405

  This beautifully maintained 4-bedroom, 2.5-bath ranch-style home blends comfort, style, and functionality in every corner. Step inside to find exceptionally large bedrooms, offering plenty of space for relaxation, work, or play. The home features an open, inviting kitchen designed for effortless cooking and entertaining, complete with generous counter space and storage. Head outdoors to your

  Craig Baranowski Scenic Sotheby's International Realty

  3205 Wood Valley Rd, Panama City, FL 32405
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  /3

  $475,000

  • Land
  • 0.96 Acre
  • $494,792 per Acre

  711 Venetian Way, Panama City, FL 32405

  Nearly a full acre, cleared with street frontage on 3 sides, roads in place, utilities in street, and MU3 zoning allows for 20 units per acre. A 16 unit townhome subdivision development is a good fit. Preliminary site plan indicates unit pad site of 20 x 42 each unit, sufficient for a 3 br - 2.5 bath + single garage. Layout options include a 5 plex + 3 plex or 4 plex + two duplexes down each

  Don Giles GILES APPRAISAL GROUP, INC

  711 Venetian Way, Panama City, FL 32405
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  /34

  $450,000

  • 6 Beds
  • 3 Baths
  • 3,792 Sq Ft

  710 Moore Cir, Panama City, FL 32401

  More than just a home, this victorian inspired-style property is the opportunity to create your own vision while maintaining a piece of authentic Florida history. Built at the turn of the 20th century, it has had a succession of eminent owners and custodians over the past 125 years, each contributing to its character while retaining its historic distinction. Heralded as one of the ''finest

  Christina Knox Scenic Sotheby's International Realty

  710 Moore Cir, Panama City, FL 32401
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  /45

  $499,000

  • 2 Beds
  • 2 Baths
  • 1,458 Sq Ft

  4100 Marriott Dr Unit 402, Panama City, FL 32408

  Welcome to Unit 402 at Reflections at Bay Point—where every day begins and ends with stunning water views! This beautifully updated condo boasts some of the most breathtaking views in the building. Enjoy the scenery of St. Andrew Bay, Shell Island, and even St. Andrews State Park. Whether you're watching dolphins glide by, coastal birds perch along the shoreline, boats return from the Gulf, or

  Lauren Beninate Beachy Beach Real Estate

  4100 Marriott Dr Unit 402, Panama City, FL 32408
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  /32

  $460,000

  • 1 Bed
  • 2 Baths
  • 873 Sq Ft

  5115 Gulf Dr Unit 2105, Panama City, FL 32408

  Experience true beachfront living in Seychelles Unit 2105. This beautifully appointed Gulf-front condo features a spacious primary bedroom overlooking the emerald waters of the Gulf of Mexico aka Gulf of America! Wake up to breathtaking sunrises and the sound of the waves. There is a Bunk Room that is used as a 2nd bedroom with 2 twin beds. Enjoy the coastal breeze from your 25 foot covered

  Natalie Ryan CENTURY 21 Ryan Realty Inc

  5115 Gulf Dr Unit 2105, Panama City, FL 32408
• 

  $452,000 New Construction

  • 4 Beds
  • 2 Baths
  • 1,620 Sq Ft

  Waverly Plan at Indigo Lakes - Phase III, Panama City, FL 32405

  The Waverly plan by Harris Doyle Homes is offered in Indigo Lakes. This sought after single level home offers an expansive vaulted ceiling in both the dining and open great room. The gorgeous island kitchen comes standard with stainless appliances, stone countertops and a tile backsplash. The private primary suite has a spacious bath with tile-to-ceiling shower, dual vanities, and an adjoining

  Harris Doyle Homes Builder

  3204 Heartleak Ave Unit 37004364, Panama City, FL 32405
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  /51

  $479,900

  • 3 Beds
  • 2 Baths
  • 1,451 Sq Ft

  3914 Vicar St, Panama City, FL 32408

  This is THE ONE you've been waiting for! The perfect beach home for an unbeatable price! What a find! This recently updated property boasts a uniquely large amount of space. With 1451 square feet, this coastal charmer has 3 bedrooms and 2 bathrooms in a split floor plan design, all on one level. Spacious indoor and outdoor living areas provide the absolute perfect accommodations for you, your

  Alyssa Hakenewert World Impact Real Estate

  3914 Vicar St, Panama City, FL 32408
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  /38

  $425,000

  • 4 Beds
  • 3 Baths
  • 2,569 Sq Ft

  815 Plantation Way, Panama City, FL 32404

  Stunning 4-Bedroom, 3-Bath Home with Outdoor Oasis!This beautifully upgraded residence offers a modern quartz kitchen with premium stainless steel appliances, spacious open layout, and stylish LVP flooring throughout. All three bathrooms have been completely renovated with elegant tile finishes for a fresh, contemporary feel. The highlight is the expansive backyard, featuring a fully equipped

  Jan Carlos Cruz Liqui Realty Blu Inc

  815 Plantation Way, Panama City, FL 32404

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