Waterfront Homes for Sale in Panama City, FL

• 

  

  /2

  $525,000

  • Land
  • 21,780 Sq Ft
  • $1,050,000 per Acre

  3301 Terra Cotta Dr, Panama City, FL 32408

  Welcome to an extraordinary opportunity inside the prestigious gated waterfront community of Finnisterre -- one of Bay County's most exclusive luxury neighborhoods. Situated along the sparkling waters of St. Andrews Bay, this rare waterfront homesite at 3301 Terra Cotta offers a breathtaking setting to build a true coastal masterpiece. Surrounded by elegant custom homes, lush tropical

  Jesse Cole Counts Real Estate Group

  3301 Terra Cotta Dr, Panama City, FL 32408
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  /108

  $969,000

  $20K PRICE DROP

  • 6 Beds
  • 3.5 Baths
  • 4,182 Sq Ft

  147 Lake Merial Shores Dr, Panama City, FL 32409

  ASSUMABLE LOAN AVAILABLE WITH AN INCREDIBLE 2.25% INTEREST RATE!** Rarely does a property offer this much space, privacy, and waterfront lifestyle in one package. Set on 1.14 acres with approximately 110 feet of frontage along the crystal-clear waters of Lake Merial, 147 Lake Merial Shores is a 4,182-square-foot waterfront retreat designed for those who believe home should be the gathering place

  Kaci Hawes Era Neubauer Real Estate Inc,

  147 Lake Merial Shores Dr, Panama City, FL 32409
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  /38

  $170,000

  • 3 Beds
  • 1 Bath
  • 1,260 Sq Ft

  2208 Edgewood Dr, Panama City, FL 32405

  Investor Opportunity in the Heart of Panama City! This block home is ready for renovation and offers plenty of potential as an investment property, rental, or primary residence. Situated on an oversized lot of approximately 0.44 acres, there's ample outdoor space with room to make the property your own. Conveniently located near 23rd Street with easy access to shopping, dining, medical

  Tina Lamonica Think Real Estate

  2208 Edgewood Dr, Panama City, FL 32405
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  /41

  $255,000

  $12K PRICE DROP

  • 3 Beds
  • 2.5 Baths
  • 1,654 Sq Ft

  201 Baldwin Rowe Cir, Panama City, FL 32405

  Welcome to 201 Baldwin Rowe! This beautifully maintained 3-bedroom, 2.5-bath townhome offers stylish updates, functional living space, and a comfortable, move-in-ready lifestyle. From the moment you walk in, you'll appreciate the thoughtful upgrades and inviting atmosphere throughout. The kitchen features updated granite countertops, newer appliances, and plenty of cabinet and counter space,

  Ayesha Albibi Centergate Realty LLC

  201 Baldwin Rowe Cir, Panama City, FL 32405
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  /46

  $619,900

  $60K PRICE DROP

  • 4 Beds
  • 3.5 Baths
  • 2,686 Sq Ft

  1004 Barracuda Dr, Panama City, FL 32408

  This solid brick home is a one owner home which has been meticulously maintained. Since the hurricane, it has had a new glazed Brazilian tile roof which is rated for 200 MPH winds. The windows were replaced with hurricane impact windows and the carpeting has been replaced in the bedrooms and living room. A new Whirlpool cooktop was installed in January, 2026. There is a large heated and cooled

  Ray Young Bay Point Real Estate Co

  1004 Barracuda Dr, Panama City, FL 32408
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  /7

  $310,000

  • 3 Beds
  • 2 Baths
  • 2,403 Sq Ft

  911 Cypress Ave, Panama City, FL 32401

  Rental and Investment potential. Rent out main home while living in the apartment above the garage or vice versa. Large Lot with sturdy block constructed home. The waterfront access is a canal that leads to Watson Bayou . Upon entry to property you will notice a huge circular driveway which compliments a dual car garage and a covered carport off to the left of the home.

  Gerard Virga Virga Realty Inc

  911 Cypress Ave, Panama City, FL 32401
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  /33

  $249,800

  $18K PRICE DROP

  • 1 Bed
  • 1 Bath
  • 752 Sq Ft

  8727 Thomas Dr Unit E8, Panama City, FL 32408

  Discover the laid-back coastal lifestyle of Sugar Beach, a gated beachfront community in the heart of Panama City Beach. This well-positioned condo offers the ideal combination of beach access, pool proximity, resort-style amenities, convenience, and investment potential.Whether you're searching for a vacation getaway, a second home, or an income-producing property, Sugar Beach provides

  Kathy Bass Avenue Realty

  8727 Thomas Dr Unit E8, Panama City, FL 32408
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  /33

  $685,000

  $10K PRICE DROP

  • Land
  • 20,473 Sq Ft
  • $1,457,447 per Acre

  1248 W Beach Dr, Panama City, FL 32401

  WATERFRONT! Now is the time to build your dream home on beautiful Beach Dr. Enjoy stunning views of St, Andrews Bay. Centrally located so you can walk or bike to either Historic St Andrews or Historic Downtown Panama City. Drive by and see where you will be building your next home.

  Laird Hitchcock Hitchcock Real Estate LLC

  1248 W Beach Dr, Panama City, FL 32401
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  /7

  $595,000

  $4K PRICE DROP

  • Land
  • 1.06 Acres
  • $561,321 per Acre

  TBD Hwy 2311, Panama City, FL 32404

  This waterfront property on Williams Bayou, connected to Deer Point Lake, is ready for your dream home. The soil has been cleared, prepped, and seeded, with a wide entrance over a tube and grass-covered slopes. The large, deep lot offers plenty of space to create the perfect waterfront retreat.

  Terry Koehn NAI TALCOR

  TBD Hwy 2311, Panama City, FL 32404
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  /28

  $280,000

  • 1 Bed
  • 2 Baths
  • 1,047 Sq Ft

  9902 S Thomas Dr Unit 1237, Panama City, FL 32408

  Unlock an exceptional investment opportunity in Panama City Beach, FL, with this beautifully updated and fully furnished condo at Laketown Wharf. Nestled in a prime location within the complex, it offers quick access to elevators, enhancing convenience for guests and boosting rental demand. The unit features stunning lake views from the balcony and breathtaking Gulf views from various locations

  Mowayne Copeland Keller Williams Success Realty

  9902 S Thomas Dr Unit 1237, Panama City, FL 32408
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  /42

  $649,000

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

  9450 S Thomas Dr Unit 209C, Panama City, FL 32408

  Gulf-front retreat at Boardwalk Beach Resort Condominium! This beautifully furnished 2 BR/2 BA condo on the 2nd floor offers stunning views of the sugar-white sands and emerald waters from your private balcony. Features include fully equipped kitchen, spacious master suite, with a gorgeous view of the Gulf and a private balcony access. Beautifully renovated with new open shelving, shiplap, and

  Katie Patronis CENTURY 21 Ryan Realty Inc

  9450 S Thomas Dr Unit 209C, Panama City, FL 32408
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  /14

  $119,500

  $4K PRICE DROP

  • Land
  • 22,651 Sq Ft
  • $229,808 per Acre

  729 Vista Del Sol Ln, Panama City, FL 32404

  Build Your Dream Home in an Exclusive Gated CommunityDiscover the perfect canvas for your next custom home in this exclusive, gated luxury community. This beautiful lot is surrounded by stunning grand estates, offering both elegance and privacy. Residents enjoy access to a private boat ramp, making it ideal for boating and waterfront living, along with a private HOA-maintained pool for

  Tareva Ligas Keller Williams Success Realty

  729 Vista Del Sol Ln, Panama City, FL 32404
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  /26

  $240,000

  • 1 Bath
  • 489 Sq Ft

  8817 S Thomas Dr Unit A318, Panama City, FL 32408

  Welcome to 8817 Thomas Drive, Unit A318, a spacious and inviting studio in the heart of Panama City Beach offering a unique combination of beachside convenience, flexibility, and Florida coastal living. Unlike many traditional studio layouts, this unit offers plenty of room to spread out, with two beds, comfortable living space, a dining area, and a mini kitchen . This unit is thoughtfully

  Susan Cantrell Central Bay Realty and Property Management LLC

  8817 S Thomas Dr Unit A318, Panama City, FL 32408
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  /11

  $349,000

  • Land
  • 10,454 Sq Ft
  • $1,454,167 per Acre

  119 Cashel Mara Dr, Panama City, FL 32409

  Discover an extraordinary opportunity to create your DREAM waterfront home overlooking the North Bay. This finished and cleared homesite promises boundless potential for designing a custom residence that captures the essence of luxury and tranquility. With expansive views that stretch across the water, your future home could be a true oasis. Nestled in the quiet community of Mill Point Landing,

  Nicolle Cable Corcoran Reverie

  119 Cashel Mara Dr, Panama City, FL 32409
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  /18

  $960,000

  • Land
  • 2.62 Acres
  • $366,412 per Acre

  000 Hugh Thomas Dr, Panama City, FL 32404

  Waterfront development opportunity on Callaway Bayou! Recently subdivided from six parcels into 12 waterfront lots, each offering more than 50 feet of frontage along the bayou and waterfront views. Each Lot Surveyed and ready for development! Lot sizes range from approximately 0.152 to 0.29 acres, with most measuring around 0.20 acres.All 12 lots are being offered together and include the

  Heather Neubauer ERA Neubauer Real Estate Inc

  000 Hugh Thomas Dr, Panama City, FL 32404
• 

  $669,000

  New Construction

  • 4 Beds
  • 3.5 Baths
  • 2,828 Sq Ft

  Harding Plan at SweetBay - Single Family, Panama City, FL 32405

  Harris Doyle Homes Builder

  3204 Heartleak Ave Unit 41499673, Panama City, FL 32405
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  /46

  $490,000

  • 5 Beds
  • 3 Baths
  • 2,927 Sq Ft

  103 S Shoreview Dr, Panama City, FL 32404

  With Hardie board construction, thoughtful upgrades, and room for everyone, this 5 bedroom, 3 bathroom home is designed for everyday living and entertaining alike. Inside, you'll find vinyl plank flooring throughout most of the home, with carpet in 4 of the secondary bedrooms for added comfort. In addition to the 5 bedrooms, there is a large flex space perfect for a playroom, office, media room,

  Stephanie Roorda Think Real Estate

  103 S Shoreview Dr, Panama City, FL 32404
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  /45

  $645,000

  $45K PRICE DROP

  • 4 Beds
  • 2.5 Baths
  • 2,254 Sq Ft

  3522 Cottage Cove Ln, Panama City, FL 32408

  ***VA ASSUMABLE LOAN at 5.375***Quietly tucked away in the gated community of Sanctuary Beach, this beautifully upgraded 4-bedroom, 2.5-bath home, built by Nadeau, offers the perfect combination of privacy, comfort, and coastal living. Residents enjoy exclusive community amenities, including a pool and a dedicated nature trail that leads directly to the waters of St. Andrews Bay, making

  Kelly Flanagan Keller Williams Success Realty

  3522 Cottage Cove Ln, Panama City, FL 32408
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  /86

  $557,694

  New Construction

  • 3 Beds
  • 2 Baths
  • 1,718 Sq Ft

  1501 Indigo St Unit LOT 836 - SAWGRASS P, Panama City, FL 32405

  Take advantage of $37,500 BUILDER INCENTIVES with preferred lender! Presenting the Sawgrass plan in waterfront SweetBay's newest phase, Indigo Lakes. This spacious home offers plenty of comfortable indoor and outdoor living space with a large Great Room and kitchen extending out to a covered lanai. The primary suite features a large tile-to-ceiling shower and walk-in closet. SweetBay is a

  Janet Melton SweetBay Realty

  1501 Indigo St Unit LOT 836 - SAWGRASS P, Panama City, FL 32405
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  /8

  $114,900

  $30K PRICE DROP

  • Land
  • 11,761 Sq Ft
  • $425,556 per Acre

  6416 Marvin Ln, Panama City, FL 32409

  Whether you're searching for a primary residence or a weekend retreat with boating access, this property is the perfect fit. This .27-acre canal lot offers quick access to the deep waters of North Bay and is conveniently located near Lynn Haven's shopping and dining. The land is vacant, ready for clearing and building. Buyers are encouraged to verify all information.

  Team Don and Bubba eXp Realty, LLC

  6416 Marvin Ln, Panama City, FL 32409
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  /80

  $1,399,000

  $100K PRICE DROP

  • 4 Beds
  • 3 Baths
  • 1,962 Sq Ft

  20613 1st Ave, Panama City, FL 32413

  A newly renovated two-story home in the quiet Laguna Beach area of Panama City Beach, two minutes' walk from the white sand. Four bedrooms, three baths, a brand-new private pool, and a private dock on the freshwater lake behind the house. Two blocks to multiple public beach access points.The home is primarily used as a personal residence yet generating approximately $71,000 in gross rental

  Paul Wise Kaiya Real Estate

  20613 1st Ave, Panama City, FL 32413
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  /89

  $1,250,000

  $149K PRICE DROP

  • 4 Beds
  • 4.5 Baths
  • 2,698 Sq Ft

  6724 Yacht Club Dr, Panama City, FL 32404

  Waterfront elegance meets modern luxury in this stunning Intracoastal home located within a private gated community. Enjoy sweeping water views from the primary bedroom and multiple balconies designed for seamless indoor-outdoor living. This fully remodeled residence features four bedrooms, each with its own private full bathroom, offering both comfort and privacy for family and guests. The

  Heather Cole Keller Williams Realty Emerald Coast

  6724 Yacht Club Dr, Panama City, FL 32404
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  /47

  $523,000

  $16K PRICE DROP

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

  5801 Thomas Dr Unit 1204, Panama City, FL 32408

  Welcome to Regency Towers on the highly desirable east end of Thomas Drive — where Gulf-front living meets panoramic coastal beauty.This spacious 3-bedroom, 2- full bath residence comfortably accommodates up to 8-10 guests and offers breathtaking gulf views from your private balcony. What truly sets this unit apart is the stunning side view perspective — allowing you to take in miles of

  Crystal Duncan Paradise Properties of NW Florida

  5801 Thomas Dr Unit 1204, Panama City, FL 32408
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  /67

  $649,000

  • 3 Beds
  • 3 Baths
  • 1,750 Sq Ft

  8727 Thomas Dr Unit A2, Panama City, FL 32408

  Welcome Home! This spacious and stunning custom-designed beach condo is located in the privately gated & gulf front beach community of Sugar Beach! It will truly leave you speechless. Enjoy endless gulf and lake views from multiple private balconies - Waterfront living at its best. The oversized kitchen showcases endless granite countertops, beautiful storybook cabinetry, stainless steel

  Chad Roig II 1 Percent Lists Florida Coast

  8727 Thomas Dr Unit A2, Panama City, FL 32408
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  /24

  $389,900

  • 4 Beds
  • 2 Baths
  • 2,889 Sq Ft

  11420 Fowler St, Panama City, FL 32404

  Sunrise East Bay Community Waterfront Home for under $400k!!Featuring the best view in East Bay with beautiful sunsets and extensive bay views. This beautiful, like new home offers 4 bedrooms, 2 full baths and an inviting open floor plan. This home features a Vaulted Great Room, Granite countertops in kitchen and bath, large pantry, waterproof Core-Tec LVP flooring, and a rear-load car

  Cliff Glansen FLATFEE.COM

  11420 Fowler St, Panama City, FL 32404
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  /31

  $199,000

  • 1 Bed
  • 1.5 Baths
  • 750 Sq Ft

  214 Bonita Cir Unit F, Panama City, FL 32408

  Enjoy beautiful lagoon views from this top-floor, one-bedroom, one-bathroom unit located in Bonita Point. The interior features tile and carpet flooring, recessed lighting, and an open kitchen overlooking the main living area. Step outside onto the private balcony and take in some of the community's best lagoon views. Bonita Point offers a gated entrance and fenced community pool. A privately

  Zack Seltzer Seltzer Real Estate, LLC

  214 Bonita Cir Unit F, Panama City, FL 32408
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  /5

  $60,000

  $10K PRICE DROP

  • Land
  • 22,476 Sq Ft
  • $116,279 per Acre

  107 Lake Merial Blvd, Panama City, FL 32409

  I’m Excited About This Property! ........ Now Let Me Tell You Why! ... OWNER FINANCING! ... Gated Community! .... Build the Waterfront Home Of Your Dreams! Here Are The Details: ... Land: 22,476/sf .... Linear Water Front: 155’ .... This property has it all! .... Buyer must preview "Virtual Walk-Through" before showing.

  Leon Weinschneider Beachfront Realty Inc

  107 Lake Merial Blvd, Panama City, FL 32409
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  /34

  $554,900

  $25K PRICE DROP

  • 6 Beds
  • 3 Baths
  • 2,052 Sq Ft

  6218 Hilltop Ave Unit A,B,C, Panama City, FL 32408

  Great investment opportunity in the desirable South Lagoon area! This well-located triplex offers the ideal combination of coastal living and steady income potential, just a short stroll from the sugar-white sands and nearby boat ramps. Conveniently situated near Grand Lagoon and St. Andrews State Park, with easy access to charter fishing, marinas, and popular local dining, this property is

  Ricky Ingram Solis Real Estate of Florida

  6218 Hilltop Ave Unit A,B,C, Panama City, FL 32408
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  /28

  $940,350

  $27K PRICE DROP

  • 5 Beds
  • 3.5 Baths
  • 3,037 Sq Ft

  126 Queens Cir, Panama City, FL 32405

  Take advantage of this price reduction on this amazing CANAL HOME WITH COVERED BOAT SLIP AND POOL!! Dont let this opportunity get away! Gorgeous 4 side brick ranch with an in-law suite! This home has it all! Main house has 4 bedrooms and 2.5 baths. The Kitchen offers quartz countertops, center island for tons of storage and workspace. Love to bake? The double ovens will be a great help! The

  Darlene Couch Beachy Beach Real Estate

  126 Queens Cir, Panama City, FL 32405
• 

  /2

  $557,000

  New Construction

  • 3 Beds
  • 2 Baths
  • 2,063 Sq Ft

  Foxglove Plan at SweetBay - Single Family, Panama City, FL 32405

  Harris Doyle Homes Builder

  3204 Heartleak Ave Unit 42054248, Panama City, FL 32405
• 

  /2

  $395,000

  • Land
  • 17,424 Sq Ft
  • $987,500 per Acre

  3303 Terra Cotta Dr, Panama City, FL 32408

  Welcome to an extraordinary opportunity inside the prestigious gated waterfront community of Finnisterre -- one of Bay County's most exclusive luxury neighborhoods. Situated along the sparkling waters of St. Andrews Bay, this rare waterfront homesite at 3303 Terra Cotta offers a breathtaking setting to build a true coastal masterpiece. Surrounded by elegant custom homes, lush tropical

  Jesse Cole Counts Real Estate Group

  3303 Terra Cotta Dr, Panama City, FL 32408
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  /17

  $999,999

  $250K PRICE DROP

  • Land
  • 3.6 Acres
  • $277,778 per Acre

  2026 Fulton St, Panama City, FL 32409

  Prime opportunity on Fanning Bayou! This beautiful property offers endless potential, perfect for investors, ideal for developers( Could be Bay Counties next waterfront community), and fantastic location for a business venture. With excellent access to Highway 77, this property combines waterfront appeal with high traffic visibility. Whether you're planning a thriving business or a thoughtfully

  Tonia Hathaway CENTURY 21 Commander Realty

  2026 Fulton St, Panama City, FL 32409
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  /34

  $155,000

  $20K PRICE DROP

  • 1 Bed
  • 1 Bath
  • 720 Sq Ft

  7813 N Lagoon Dr Unit 4G, Panama City, FL 32408

  COMING SOON-NO SHOWINGS Welcome to this absolutely adorable, recently updated 2-bedroom, 1-bath condo offering 720 square feet of comfortable, easy living in one of Panama City Beach's most beloved waterfront communities. Step inside to a bright, open living area that flows effortlessly into two generously sized bedrooms, complete with the everyday convenience of an inside laundry area and a

  Nathan Lawrence Legacy Premier Agency LLC

  7813 N Lagoon Dr Unit 4G, Panama City, FL 32408
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  /69

  $439,000

  $26K PRICE DROP

  • 2 Beds
  • 2 Baths
  • 1,015 Sq Ft

  6505 Thomas Dr Unit 512, Panama City, FL 32408

  2BR/2BA Gulf-front remodeled condo in Summerhouse, Panama City Beach. Furnished, dual balcony access, 1,015 sq ft, STR allowedUnit 512C at Summerhouse is a fully furnished, thoughtfully updated 2-bedroom, 2-bath Gulf-front condo offering 1,015 square feet and unobstructed views of the Gulf, beach, and pool deck. Positioned on the fifth floor, the condo combines an established

  Brad Amerson LLC Compass Florida, LLC

  6505 Thomas Dr Unit 512, Panama City, FL 32408
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  /21

  $149,500

  • 3 Beds
  • 2 Baths
  • 1,808 Sq Ft

  6726 W Smith Rd, Panama City, FL 32409

  INVESTOR OPPORTUNITY WITH DEVELOPMENT POTENTIAL! CASH ONLY. This 1,800+ square-foot home sits on a beautiful oversized lot of more than 3/4 of an acre, offering an incredible opportunity for investors, builders, or buyers looking for a property they can transform. The home is in need of completion and renovation, but the potential is undeniable. This location is hard to beat! Just two seconds

  Alyssa Sato Keller Williams Success Realty

  6726 W Smith Rd, Panama City, FL 32409
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  /16

  $329,500

  • 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
• 

  

  /14

  $1,750,000

  • Land
  • 11,761 Sq Ft
  • $6,481,481 per Acre

  5947 Gulf Dr, Panama City, FL 32408

  Welcome to a prominent beachfront lot in the exclusive community of Hadley's Beach! Boasting 50ft of Gulf-Frontage, this future homesite enjoys panoramic Gulf views and private beach access. Residing in a low-density community of only 16 beachfront homesites and 10 first tier homesites, Lot 6 is sure to offer one of the most spectacular settings on the Emerald Coast. The community comes equipped

  The Dixon Team 30A Homes Sales

  5947 Gulf Dr, Panama City, FL 32408
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  /28

  $460,000

  $9K PRICE DROP

  • 1 Bed
  • 2 Baths
  • 873 Sq Ft

  5115 Gulf Dr Unit 2105, Panama City, FL 32408

  A rare find in the ''05' units at Seychelles. Out of the 197 units there are only 21 units that offer the layout offering direct gulf views from the primary bedroom.Experience true beachfront living in Seychelles Unit 2105. This beautifully appointed Gulf-front condo features a spacious master bedroom overlooking the emerald waters of the Gulf of Mexico aka Gulf of America! Wake up to

  Natalie Ryan CENTURY 21 Ryan Realty Inc

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

  

  /61

  $409,500

  $20K PRICE DROP

  • 4 Beds
  • 3 Baths
  • 2,072 Sq Ft

  109 Arlington Dr, Panama City, FL 32404

  Waterfront living meets everyday comfort in this beautifully appointed 4-bedroom, 3-bath home on stunning Lake Martin! Designed for both relaxation and entertaining, this spacious property features two private en suites, including one with direct access to the backyard oasis and sparkling in-ground saltwater pool complete with a diving board.Inside, the home is filled with natural light

  Selina Bullock Selina's Southern Realty LLC

  109 Arlington Dr, Panama City, FL 32404
• 

  

  /79

  $550,000

  $149K PRICE DROP

  • 8 Beds
  • 6 Baths
  • 3,804 Sq Ft

  5612 Hilltop Ave Unit A-C, Panama City, FL 32408

  UNIQUE TRIPLEX OPPORTUNITY! This sprawling 8-bedroom, 6-bathroom PCB triplex offers a rare opportunity to own a spacious property with incredible income potential just blocks from the Gulf. Situated on a prominent corner, this unique property spans three separate parcels, giving you ownership of the entire corner--a rare feature that provides added space, flexibility, privacy, and long-term

  Courtney Pantalena Coldwell Banker Realty

  5612 Hilltop Ave Unit A-C, Panama City, FL 32408

Showing Results 161 - 200, Page 5 of 14