Upper Grand Lagoon, FL Homes for Sale under $400,000

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  /20

  $308,000

  • 2 Beds
  • 2 Baths
  • 1,114 Sq Ft

  2803 Lagoon Knoll Unit A, Panama City, FL 32408

  Short Term Rentals Allowed, No HOA and Completely Remodeled. This bright and airy 2 bedroom 2 bath property comes fully furnished and is located only half a mile to the beach. Just a short walk or bike ride away. This property has plenty of parking and a great size yard. The interior has LVP flooring throughout, new sliding glass door, all stainless steel kitchen appliances, nothing is needed in

  Jessica Kittley World Impact Real Estate

  2803 Lagoon Knoll Unit A, Panama City, FL 32408
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• 

  

  

  /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
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  /28

  $308,000

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

  2226 Joan Ave Unit 4, Panama City, FL 32408

  FULLY FURNISHED & TURN-KEY - READY TO USE OR RENT IMMEDIATELY!Now priced at $308,000, this 3-bedroom, 2.5-bath townhome in Seaside Heights offers one of the best opportunities in Panama City Beach for buyers looking for a low-maintenance primary home, second home, or short-term rental investment. Everything is already in place-this property is truly move-in ready or rental-ready from day one.

  Anat Shmueloff EXP Realty LLC

  2226 Joan Ave Unit 4, Panama City, FL 32408
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  /47

  $399,000

  • 4 Beds
  • 4.5 Baths
  • 3,019 Sq Ft

  8700 Front Beach Rd Unit 8108, Panama City Beach, FL 32407

  Owner financing available! Discover your perfect getaway in the heart of Panama City Beach! 4 bedroom with 4 a 1/2 bathrooms,3 stories, two balconies, large front porch,two car garage. Located in the sought-after Island Reserve community, this stunning townhome offers an ideal blend of comfort and convenience, just minutes away from the pristine beach, shopping, attractions, and dining options.

  Danny McCall Counts Real Estate Group Inc

  8700 Front Beach Rd Unit 8108, Panama City Beach, FL 32407
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  /24

  $325,000

  • 1 Bed
  • 1 Bath
  • 890 Sq Ft

  4286 Kingfish Ln Unit 286, Panama City Beach, FL 32408

  This completely renovated Bayview Villa is located in Bay Point and overlooks Grand Lagoon and St. Andrews State Park. Prior owner is a renowned Bay Point builder and upgraded the entire unit to an exacting standard. The nickel gap shiplap is found throughout with flush mount recessed lighting and slicked ceilings. The windows are floor to ceiling overlooking the bay and providing abundant light.

  Cherie Alexander Counts Real Estate Group Inc

  4286 Kingfish Ln Unit 286, Panama City Beach, FL 32408
• 

  

  /25

  $332,500

  • 3 Beds
  • 2 Baths
  • 1,300 Sq Ft

  4223 Lorraine St, Panama City, FL 32408

  This 3/2 home is coastal living at it's best. Near Navy base , restaurants, and shopping, It stays high and dry on its stilts with lots of storage space below. It is nestled in a quiet neighborhood less than 5 minutes from white sandy beaches. Plenty of curb appeal here with an inviting hardscape in front including an extra parking corral plus a welcoming front porch with fans and Adirondack

  Don Rehmus Berkshire Hathaway HomeServices Beach Properties of Florida

  4223 Lorraine St, Panama City, FL 32408
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  /56

  $369,000

  • 1 Bed
  • 1 Bath
  • 1,049 Sq Ft

  4100 Marriott Dr Unit 706, Panama City, FL 32408

  Highly coveted 7th-floor condo in the 6th stack at Reflections at Bay Point Resort offering the best unobstructed views of the inlet, Gulf, and Shell Island. The view alone will have you starting and ending your day on the balcony, drink in hand, in absolute awe. Sold fully furnished and freshly updated with new HVAC, washer/dryer, paint, high-end furniture, artwork, queen sleeper sofa, and

  Nathan Lawrence Legacy Premier Agency

  4100 Marriott Dr Unit 706, Panama City, FL 32408
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  /29

  $384,900

  • 2 Beds
  • 2 Baths
  • 1,447 Sq Ft

  6504 Bridge Water Way Unit 1003, Panama City Beach, FL 32407

  Best kept secret on the Bay! Welcome to your new home at Hibiscus by the Bay a boating community with it's own private Marina! Enjoy amazing Sunrises and restful evenings on the oversized balcony overlooking St. Andrews Bay. It's not uncommon to see Dolphins under our pier swimming and playing or chasing the abundant Redfish and mullet along our shoreline. Hibiscus by the Bay is a gated Boating

  Scott Stanford Dalton Wade Inc

  6504 Bridge Water Way Unit 1003, Panama City Beach, FL 32407
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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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  /29

  $304,900

  • 3 Beds
  • 2.5 Baths
  • 1,476 Sq Ft

  9014 Banyan Beach Dr, Panama City Beach, FL 32408

  Beautifully updated 3-bedroom, 2.5-bath home just 6/10th of a mile from the Gulf of America on highly sought-after Banyan Beach Drive. This 1,476 sq ft coastal retreat features an open-concept design with upgraded flooring, granite countertops, stainless steel appliances, and plenty of natural light. Enjoy outdoor living on the privacy-fenced back porch with yard access—perfect for relaxing or

  Daniel Hagen LPT Realty LLC

  9014 Banyan Beach Dr, Panama City Beach, FL 32408
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  /34

  $365,000

  • 2 Beds
  • 2 Baths
  • 1,447 Sq Ft

  6504 Bridge Water Way Unit 403, Panama City Beach, FL 32407

  STUNNING BAY VIEWS...sip your coffee and watch the sunrise or moonlit nights on your expansive balcony! Hibiscus is a One of A Kind Boater and fisherman's dream! You can be at Shell Island or the gulf within 15 mins! The complex features a private marina including boat slips and docks available for rent or sale. The expansive fishing pier extends 400+ ft into the Bay that can be used at night as

  Patty Taylor Own It Real Estate LLC

  6504 Bridge Water Way Unit 403, Panama City Beach, FL 32407
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  /28

  $325,000

  • 1 Bed
  • 2 Baths
  • 900 Sq Ft

  4726 Bay Point Rd Unit 4127, Panama City Beach, FL 32408

  Bay Point Harbour Villa ground floor waterfront condo. The freshly finished paver lanai offers the perfect outdoor area to sit and boat watch at the Point South marina. This 1 bedroom, 2 bath, plus bunk room is in turnkey condition. Tile floors throughout with updated granite counter tops. Harbour Villas has replaced all the windows, doors, and roof and has the lowest Hoa fees of any condo. Bay

  Cherie Alexander Counts Real Estate Group Inc

  4726 Bay Point Rd Unit 4127, Panama City Beach, FL 32408
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  /23

  $339,900

  • 3 Beds
  • 2 Baths
  • 1,126 Sq Ft

  6308 Causeway Rd, Panama City, FL 32408

  NO HOA! Discover this beautifully remodeled three bedroom, two-bath home in the heart of Panama City Beach. Every detail has been thoughtfully updated-new roof, new HVAC, new hot water heater, new windows with all new blinds, new interior doors, trim and fresh paint.The features new ceramic tile flooring throughout, giving it a bright, modern feel. New laundry room. Enjoy a spacious sunroom

  Jo Cochran Anchor Realty Florida

  6308 Causeway Rd, Panama City, FL 32408
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  /21

  $360,000

  • 3 Beds
  • 2 Baths
  • 1,288 Sq Ft

  6523 Sunrise Dr, Panama City Beach, FL 32407

  Welcome to your waterfront getaway! This beautiful Panama City Beach home sits right on the canal—perfect for boating and soaking up coastal living at its best. Bring your boat and enjoy direct access to the water from your own backyard.Inside, you'll find a bright, inviting space that's both comfortable and stylish—ideal as a full-time residence, vacation home, or investment property.

  Karla Alexander Coldwell Banker Realty

  6523 Sunrise Dr, Panama City Beach, FL 32407
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  /59

  $345,000

  • 3 Beds
  • 2 Baths
  • 1,378 Sq Ft

  6725 Harbour Blvd, Panama City Beach, FL 32407

  Waterfront Living in a Serene Gated Community! Nestled in a quiet gated neighborhood, this 3-bedroom, 2-bathroom home offers peaceful pond-front views and a convenient location close to shopping, dining, top-rated schools, and the beaches. Inside, you'll find a desirable split floor plan with vaulted ceilings that creates an open, airy feel throughout. The kitchen is a chef's delight, featuring

  Jordan Jarrett Keller Williams Success Realty

  6725 Harbour Blvd, Panama City Beach, FL 32407
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  /51

  $350,000

  • 2 Beds
  • 2 Baths
  • 2,020 Sq Ft

  4620 Bay Point Rd Unit 1043, Panama City Beach, FL 32408

  Absolutely gorgeous, 2BR/2BA at Marina Club Village—with direct views over the pool and deck and peeks of Grand Lagoon from both balconies. From the foyer, built-in bookcase/curio shelving set the tone. A dry bar adjoins the living/dining area. Throughout the home you'll find custom 3'' plantation shutters and abundant natural light. The light, airy kitchen features tile floors, updated

  Cherie Alexander Counts Real Estate Group Inc

  4620 Bay Point Rd Unit 1043, Panama City Beach, FL 32408
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  /62

  $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

  Zacarias Sanchez Think Real Estate

  2604 Mystic Ln Unit PO13, Panama City, FL 32408
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  /69

  $380,000

  • 2 Beds
  • 2 Baths
  • 1,384 Sq Ft

  6422 W Highway 98 Unit 805, Panama City Beach, FL 32407

  Experience waterfront living at Marina Landing with this 2-bedroom, 2-bath high-rise condo offering 1,384 sq. ft. of comfortable coastal living. This 8th-floor unit showcases stunning panoramic views of St. Andrews Bay from every room and features an expansive balcony with a built-in grill—perfect for entertaining or relaxing at sunset. Both bedrooms are bayfront suites with balcony access and

  Darrell Turner Counts Real Estate Group Inc

  6422 W Highway 98 Unit 805, Panama City Beach, FL 32407
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  /34

  $350,000

  • 3 Beds
  • 2.5 Baths
  • 1,761 Sq Ft

  8700 Front Beach Rd Unit 1107, Panama City Beach, FL 32407

  Make the Island Reserve your next move whether for your permanent residence or second home! This resort style complex has everything you need all behind the gates! This ground floor end unit can come furnished with acceptable offer! This unit has all BRAND NEW APPLIANCES, new upgraded flooring and lighting, and an extra large patio being the end unit. Easy all covered access to the parking garage

  Claudette Gable Goode Realty, LLC

  8700 Front Beach Rd Unit 1107, Panama City Beach, FL 32407
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  /38

  $395,000

  • 2 Beds
  • 2 Baths
  • 1,384 Sq Ft

  6422 W Highway 98 Unit 404, Panama City Beach, FL 32407

  Experience elevated coastal living at Marina Landing Unit 404, a beautifully appointed two-bedroom, two-bath bayfront retreat with sweeping views of St. Andrew's Bay, offered fully furnished with tasteful updates and thoughtful design throughout. This fourth floor residence is ideally positioned just off the elevator and includes a private storage closet with rare electrical access. Enter an open

  Beau Blankenship Christies International Real Estate Emerald Coast

  6422 W Highway 98 Unit 404, Panama City Beach, FL 32407
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  /62

  $329,000

  • 2 Beds
  • 2 Baths
  • 1,447 Sq Ft

  6500 Bridge Water Way Unit 105, Panama City Beach, FL 32407

  This 2BR/2BA first-floor waterfront condo at Hibiscus by the Bay is a dream for avid boaters. With a private on-site boat slips, you can be in the Gulf within minutes. The community's no short-term rentals policy ensures a peaceful atmosphere, free from frequent turnover, and fosters a friendly, close-knit neighborhood feel. Inside, a bright, open layout features floor-to-ceiling windows, Bay

  Jacob Willenborg Berkshire Hathaway HomeServices Beach Properties of Florida

  6500 Bridge Water Way Unit 105, Panama City Beach, FL 32407
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  /21

  $394,000

  • 2 Beds
  • 2 Baths
  • 1,322 Sq Ft

  2602 Mystic Ln Unit PO34, Panama City, FL 32408

  Welcome to coastal living at its finest! This stunning 2 bedroom, 2 bath condo is perfectly situated right off the water in a gated community in the heart of Upper Grand Lagoon. Featuring two private balconies with peaceful water views and a beautiful pool. This home is ideal for relaxing after a day on the beach or entertaining guests. Inside, you'll find a beautifully updated kitchen complete

  Team Don and Bubba EXP Realty LLC

  2602 Mystic Ln Unit PO34, Panama City, FL 32408
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  /68

  $302,999

  • 3 Beds
  • 2.5 Baths
  • 1,491 Sq Ft

  1600 Annabellas Way, Panama City Beach, FL 32407

  Well-maintained 3 bedroom, 2.5 bath townhome in Annabella's. The master bath has a jetted tub and separate shower. Annabella's is a gated community with a fitness center, community room and pool. The community is centrally located close to shopping, dining and entertainment. All information provided is deemed reliable, but is not guaranteed and should be verified.

  Mandy Jenkins LoKation Real Estate

  1600 Annabellas Way, Panama City Beach, FL 32407
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  /39

  $379,900

  • 3 Beds
  • 3 Baths
  • 1,427 Sq Ft

  7813 N Lagoon Dr Unit 8E, Panama City, FL 32408

  Life is grand on Grand Lagoon! This freshly updated 3MB/3MB Condominium in beautiful Greenwood Estates sports numerous updates including: new HVAC (2022); Water Heater (2024); Interior Paint (2025) and beautiful new Quartz Kitchen Countertops. Each bedroom has its own full bathroom with a two bedroom down and one up, unique and practical floorplan. Additionally, enjoy the extra space of the loft

  Daniel Hagen LPT Realty LLC

  7813 N Lagoon Dr Unit 8E, Panama City, FL 32408
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  /34

  $350,000

  • 3 Beds
  • 3 Baths
  • 1,485 Sq Ft

  2400 Grandiflora Blvd Unit E407, Panama City Beach, FL 32408

  *Seller financing option available at $389,000 sale price and 4% interest with a 4 year balloon, amortized over 30 years.* This unit comes FULLY FURNISHED with new furniture, and all the appliances are new to include washer and dryer, as well as new paint on the walls through out - making it turn key ready. Welcome to Magnolia Bay Club, where waterfront living meets quite resort-style luxury!

  The Wheeler Sauls Collective Salty Marlin Realty LLC

  2400 Grandiflora Blvd Unit E407, Panama City Beach, FL 32408
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  /50

  $370,000

  • 3 Beds
  • 2.5 Baths
  • 1,290 Sq Ft

  7813 N Lagoon Dr Unit 9F, Panama City, FL 32408

  Love BOATING, FISHING & living the GULF and BEACH LIFE? This beautiful 3 Bedroom, WATERFRONT Unit with your own PRIVATE, COVERED deep-end BOAT SLIP and DUAL LIFTS, comes FULLY FURNISHED and TURNKEY READY — Waiting just FOR YOU! If you've been waiting for a true waterfront unicorn with a private Boat Slip, this is the one. This 3 Bedroom, 2.5 Bathroom North Lagoon beauty is one of the few condos

  Shelly Callaway CENTURY 21 Ryan Realty Inc

  7813 N Lagoon Dr Unit 9F, Panama City, FL 32408
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  /25

  $399,900 New Construction

  • 3 Beds
  • 2 Baths
  • 1,703 Sq Ft

  6517 Pine Dr, Panama City Beach, FL 32408

  BIG PRICE DROP- CONSTRUCTION COMPLETE on this BEAUTIFUL NEW HOME in a CONVENIENT BEACH LOCATION! This CRAFTSMAN STYLE HOME LIVES LARGE! It's hard to find a new home at this price on the EAST END of the beach! Located just minutes from the NAVY BASE, ST ANDREW STATE PARK, PUBLIX, GREAT RESTAURANTS AND TOP SCHOOLS!! The exterior features a CHARMING BOARD and BATTEN STYLE SIDING with WARM RUSTIC

  Susan Morrison Anchor Realty Florida

  6517 Pine Dr, Panama City Beach, FL 32408
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  /12

  $317,900 New Construction

  • 4 Beds
  • 3 Baths
  • 1,695 Sq Ft

  7647 Lumen Ln Unit 11, Panama City Beach, FL 32408

  NO RENTAL RESTRICTIONS!!! Check out the open green space behind this townhome!!! Waypoint by Traton Homes, a vibrant new community of townhomes located on Front Beach Road in Panama City Beach, Florida. Waypoint offers 72 homes just under 3 miles from the beach, 1.5 miles from Dolphin Bay, and approximately 20 miles from the Northwest Florida Beaches International Airport. Residents will enjoy

  Steven Thew TH Coastal Realty

  7647 Lumen Ln Unit 11, Panama City Beach, FL 32408
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  /12

  $324,900 New Construction

  • 4 Beds
  • 3 Baths
  • 1,695 Sq Ft

  7645 Lumen Ln Unit 12, Panama City Beach, FL 32408

  NO RENTAL RESTRICTIONS!!! Check out the open green space behind this townhome!!! Waypoint by Traton Homes, a vibrant new community of townhomes located on Front Beach Road in Panama City Beach, Florida. Waypoint offers 72 homes just under 3 miles from the beach, 1.5 miles from Dolphin Bay, and approximately 20 miles from the Northwest Florida Beaches International Airport. Residents will enjoy

  Steven Thew TH Coastal Realty

  7645 Lumen Ln Unit 12, Panama City Beach, FL 32408
• 

  $307,500 New Construction

  • 3 Beds
  • 3 Baths
  • 1,695 Sq Ft

  Sunbrook Plan at Waypoint, Panama City Beach, FL 32407

  The Sunbrook lives up to its bright and welcoming name! This stylish 4-bedroom townhome offers an inviting open-concept main level. Just off the foyer, you'll find a versatile bedroom and full bath—ideal for a guest room, home office or playroom. The main living area features a well-appointed kitchen with a generous island and ample counter space, a cozy family room that flows seamlessly to the

  Traton Homes Builder

  7667 Lumen Ln Unit 36455431, Panama City Beach, FL 32407
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  /80

  $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
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  /49

  $339,000

  • 3 Beds
  • 2 Baths
  • 1,062 Sq Ft

  8730 Thomas Dr Unit 313, Panama City, FL 32408

  Exceptional Waterfront Opportunity! This beautifully updated, fully furnished 3-bedroom, 2-bath condo is a perfect, move-in-ready coastal haven. Enjoy private boat dock access with slips and trailer parking, along with breathtaking views of the Grand Lagoon. Located moments from the beach, dining, and entertainment, this unit is approved for short-term rentals and features smart home technology

  Theresa Applegate Anchor Realty Florida

  8730 Thomas Dr Unit 313, Panama City, FL 32408
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  /49

  $339,000

  • 3 Beds
  • 2 Baths
  • 1,062 Sq Ft

  8730 Thomas Dr Unit 313, Panama City Beach, FL 32408

  Exceptional Waterfront Opportunity! This beautifully updated, fully furnished 3-bedroom, 2-bath condo is a perfect, move-in-ready coastal haven. Enjoy private boat dock access with slips and trailer parking, along with breathtaking views of the Grand Lagoon. Located moments from the beach, dining, and entertainment, this unit is approved for short-term rentals and features smart home technology

  Theresa Applegate Anchor Realty Florida

  8730 Thomas Dr Unit 313, Panama City Beach, FL 32408
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  /39

  $374,900

  • 4 Beds
  • 2 Baths
  • 2,205 Sq Ft

  113 Michelle Ct, Panama City Beach, FL 32407

  ***BEST PRICED 4 BEDROOM, 2 BATHROOM OVER 2000 SQUARE FOOT HOME IN PANAMA CITY BEACH AS OF LIST DATE!!!*** With a little updating this beauty can become the home of your dreams! 2026 exterior and interior paint, and luxury vinyl plank flooring. Based in the very desirable Brandywine Estates community and less than a mile from a boat ramp, this cul de sac home is SCREAMING for a new owner!! Recent

  Mario Gobel RE/MAX SELECT Partners

  113 Michelle Ct, Panama City Beach, FL 32407

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