Panama City Beach Homes with Gulf Access Waterfront Features

Panama City Beach Homes with Gulf Access Waterfront Features

Welcome to Panama City Beach, Florida – a stunning coastal paradise nestled in Bay County, where the sun kisses the emerald waters of the Gulf of Mexico. Known for its pristine white sand beaches and vibrant community, Panama City Beach is a haven for beach lovers, outdoor enthusiasts, and anyone seeking a slice of paradise.

This charming city offers an array of attractions, from thrilling water sports and world-class fishing to tranquil parks and scenic nature trails. With a rich blend of local culture, delicious seafood dining, and exciting nightlife, Panama City Beach is not just a destination; it’s a lifestyle.

For those dreaming of waterfront living, the real estate options in Panama City Beach are nothing short of extraordinary. Imagine waking up to the gentle sound of waves and the breathtaking views of the Gulf right from your backyard. Homes with Gulf access waterfront features provide an unparalleled lifestyle, allowing you to enjoy boating, fishing, and swimming at your leisure. These properties often come with private docks, ensuring you can easily embark on your aquatic adventures or simply relax while soaking in the picturesque sunsets.

Whether you’re looking for a cozy beach cottage, a luxurious waterfront estate, or an investment opportunity, Panama City Beach has something to suit every taste and budget. With its inviting community and stunning natural beauty, this city is poised to be your forever home or the perfect vacation getaway. Discover the magic of Panama City Beach today, and embrace the coastal lifestyle you’ve always dreamed of!

Newest Panama City Beach Homes with Gulf Access Waterfront Features

$488,000
795271 MLS
Rare 1/2-acre BAYFRONT Lot! One of only two Lots in RiverCamps that not only has amazing, unobstructed Bay views but also has over 200-feet of natural and sandy shoreline on West Bay. Build your dream waterfront home and walk out your backdoor and fish for Reds, Flounder and Trout. Or launch your kayak or paddleboard from your backyard. AND the possibility exists to own the adjacent 1.2-acre Bayfront Lot and you will never have a neighbor on either side of you. Located in the gated community of RiverCamps, a 1500-acre waterfront oasis consisting of less than 450 Lots on 500 acres with the remaining 1000 acres committed to conservation. RiverCamps has world class amenities including a heated, zero-entry pool, new fitness center, community boat ramp, day-use boat slips, dry boat storage, wash basins, kayaks, canoes, and over 7 miles of trails, overlooks and boardwalks. Conveniently located 10 minutes from the NW Florida Beaches International Airport, 10 miles from the famous white sandy beaches of Panama City Beach, 2 miles from the new Publix grocery expected to open early 2027 and minutes from the new 180 bed hospital, medical campus.

7601 Big Salt Marsh Lane, Panama City Beach

Listing courtesy of Berkshire Hathaway HomeServices Beach Properties of Florida.

$309,000
795147 MLS
WATERFRONT DEEP CANAL LOT IN PANAMA CITY BEACH close to Pier Park, Duplin Winery. Lot is cleared and ready to build. The lot will allow for a dock for your boat with easy access to the Bay, Shell Island and the Gulf of America. Harbour Cove Village is a gated waterfront community tucked into a protected canal. Call today for a viewing.

913 Lighthouse Lagoon Court, Panama City Beach

Listing courtesy of Keller Williams Success Realty.

$335,000
795099 MLS
1,25 Acre Waterfront Lot With Outstanding View of West Bay! Rivercamps on Crooked Creek is bordered by the Intercoastal Waterway on one side along with Crooked Creek and West Bay. Build your dream home on this prime 1.055 acre Bay front wooded site. Rivercamps consists of 1,500 acres with less than 450 homesites. There is one thousand acres of committed conservation land. This Bay front site overlooks the waters of Crooked Creek, West Bay and the Intercoastal waterway. Located just 10 miles from the pristine beaches of Panama City Beach, this site is for those who enjoy nature and an active lifestyle. Rivercamps features over 7 miles of connected trails and boardwalks for walking, running, hiking or biking. Drive your golf cart to the new waterfront Clubhouse with pool and pavilion. Other amenities include two pickle ball courts, a basketball court and a 600 foot dock, There are also kayaks, canoes and paddle boards for owners use. A community boat ramp on Crooked Creek and West Bay provides direct access to Shell Island, the Gulf and the Intercoastal waterway. Dry boat storage, and day use boat slips are also available. The NW Florida Beaches International Airport is a short drive away. This community is a great value. Don't wait!

7517 Morning Marsh Trail Unit :Lot 190, Panama City Beach

Listing courtesy of Prestigious Beach Properties of The Emerald Coast LLC.

$335,000
794369 MLS
MOTIVATED SELLER! PRIME 1.25 ACRE WATERFRONT HOMESITE! BUILD YOUR DREAM HOME AND ENJOY AMAZING VIEWS OF WEST BAY! Rivercamps is a gated, waterfront community consisting of 1,500 acres with less than 450 homesites. One thousand acres of committed conservation land. This prime homesite overlooks the waters of Crooked Creek, West Bay and the Intercoastal Waterway. Located just 10 miles from the pristine beaches of Panama City Beach, this site is for those who enjoy nature and an active lifestyle. Rivercamps features over 7 miles of connected trails and boardwalks for walking, running, hiking or biking. RIde your golf cart to the new waterfront Clubhouse with pool and pavillion. Other amenities include two pickle ball courts, a basketball court and a 600 foot dock, There are also kayaks, canoes and padde boards for owners use. A community boat ramp feeds into Crooked Creek and West Bay providing direct access to Shell Island, the Gulf and the Intracoastal Waterway. Dry boat storage, and day use boat slips are also available. The NW Florida Beaches International Airport is a short drive away. This community is a great value. Don't wait!

7515 Morning Marsh Trail, Panama City Beach

Listing courtesy of Prestigious Beach Properties of The Emerald Coast LLC.

$599,000
794147 MLS
RARE WEST BAY WATERFRONT OPPORTUNITY! Discover the privacy, boating access and natural beauty of this approximately half-acre waterfront homesite tucked away on a quiet street with very few neighboring lots. Much of the groundwork has already been completed, including a new private dock, boat lift, well, and beautiful white pine privacy fencing accented by masonry columns. Step from your future home onto your own dock and enjoy direct access to West Bay and the Intracoastal Waterway, with boating access to St. Andrews Bay and the Gulf of Mexico. Spend your days fishing, cruising the ICW, exploring Shell Island or heading offshore -- all from your own backyard. The location becomes even more compelling as the West Bay/Highway 79 corridor continues to grow. Point South Marina West Bay is currently under development nearby, bringing additional boating infrastructure and amenities to this rapidly developing area. What truly separates this property is its privacy and scarcity. With very few lots along this secluded street, opportunities to own a waterfront homesite with this combination of space, improvements and boating access are extremely limited. Build your dream waterfront home and enjoy the best of both worlds: a peaceful, private setting surrounded by the natural beauty of West Bay while remaining convenient to Panama City Beach and the continued growth of the West Bay area. Bring your boat and your plans -- the waterfront lifestyle starts here.

7913 1st Street, Panama City Beach

Listing courtesy of EXP Realty LLC.

$899,000
793689 MLS
Some lots sell land. This one sells a lifestyle. Nestled along the tranquil shores of Lake Powell -- one of Florida's rare and protected Coastal Dune Lakes -- this nearly half-acre lakefront parcel in North Inlet Beach offers something the 30A corridor has precious little of: the freedom to build exactly what you want, exactly where you want it, with the water right outside your door. Launch a kayak or paddleboard from your future backyard and follow the waterway all the way to the Gulf of Mexico and the unspoiled, secluded beaches of Camp Helen State Park. This isn't just lakefront -- it's a genuine water-to-Gulf connection that few properties anywhere on the Emerald Coast can claim. When you come ashore, you'll find yourself minutes from some of the most coveted addresses on Florida's Gulf Coast. Rosemary Beach and Alys Beach -- two of the most iconic communities on eastern 30A -- are just a mile or two down the road. 30Avenue, with its upscale boutiques, acclaimed restaurants, and vibrant gathering spaces, is just blocks away. The Inlet Beach Regional Beach Access, featuring over 17 acres of pristine beachfront, ample parking, restrooms, and seasonal lifeguards, is a short bike or LSV ride from your front door. At 87.5 feet of lake frontage on nearly half an acre, this lot is framed by native coastal scrub and pines that line the shoreline and create the kind of natural privacy that simply cannot be manufactured. Neighboring estates in this corridor run 4,000 to 6,000 square feet -- this is a canvas worthy of your finest vision. No HOA. No recorded covenants. No compromises. Surveys on file. Build the estate you have always imagined in one of the most remarkable locations on the entire Gulf Coast. Buyer to verify all measurements, zoning, and building requirements.

TBN N Wall Street, Panama City Beach

Listing courtesy of Counts Real Estate Group Inc.

$359,900
1 Beds ⋅ 2 Baths ⋅ 1008615 MLS
Wake up to breathtaking Gulf views from Mariner West Unit 609, a beautiful beachfront condominium located in one of Panama City Beach's most desirable low-density communities. This spacious 1-bedroom, 2-bath residence offers an open floor plan designed to maximize the stunning views of the emerald waters and sugar-white sand. The living area opens to a private Gulf-front balcony, the perfect place to enjoy morning coffee or spectacular sunsets. The well-appointed kitchen has ample cabinetry, granite counter tops and a breakfast bar that opens to the living and dining areas. The generous primary bedroom provides plenty of space to relax, while the second full bath offers added convenience for family and guests. Tile flooring throughout makes beach living easy and low maintenance. Mariner West is a well-maintained 58-unit Gulf-front community on the quiet east end of Panama City Beach, just minutes from St. Andrews State Park, marinas, restaurants, and shopping. Amenities include a beachfront pool, lighted tennis and pickleball courts, shuffleboard, grilling area, game room, and private owner storage. Whether you're looking for a primary residence, vacation getaway, or investment property, Unit 609 offers the perfect combination of location, lifestyle, and income potential.

6213 Thomas Dr Unit UNIT 609, Panama City Beach

Listing courtesy of Corcoran Reverie SRB.

$685,000
793039 MLS
BRING YOUR BOAT! ** Lagoon-Front Lot in Holiday Beach - Gulf of America Access in Minutes! ** (PLUS THE HOUSE NEXT DOOR IS LISTED AT $985K 3-BR 2.5 BA. HUGE COVERED DOCK) COMBINE THE TWO FOR $1,660,000. NO HOA Fees! **(recent lot sale 7204 S. Lagoon $699k in April 27, 2026) Rare opportunity to own a **50' x 130' lagoon-front lot** in the sought-after **Holiday Beach** community, just **4 blocks to the sugar-white sands of the beach**. Build your dream home or getaway retreat on protected lagoon waters with Gulf of America access just minutes away. This lot offers a peaceful, private setting on the water with a new boat dock already in place, fresh split-rail fence lining the frontage. Deep, calm lagoon water is perfect for kayaking, fishing, or launching a boat right from your own backyard. A public boat ramp just down the street makes it easy to get out on the water, and you're close to some of the best restaurants on the east end. Whether you're building a primary residence, a second home, or an investment property, this lagoon-front lot combines coastal and boating convenience in one of Panama City Beach's most desirable areas.

7304 S Lagoon Drive, Panama City Beach

Listing courtesy of CitiStar Realty.

$1,500,000
3 Beds ⋅ 3 Baths ⋅ 1007416 MLS
Located on the west end of Panama City Beach along Front Beach Road, this 2BR/1.5BA coastal residence offers a rare opportunity in a low-density beachfront corridor near the South Walton line. Positioned within a small cluster of similar units, the property provides close proximity to direct Gulf access and the sugar-white sands of the Emerald Coast. The interior features approximately 1,120 square feet of functional living space with an open-concept main living area that flows into the kitchen and dining space. Both bedrooms are located on the upper level, offering added privacy from the main living areas. Natural light and a simple, efficient layout make the home well-suited for coastal living, second-home use, or vacation rental potential. The property sits on a 3,571 square foot lot within an established beachfront area known for its low-density character and strong demand. Parking is provided via open surface spaces consistent with neighboring units in the area. Conveniently located near Pier Park, 30A, dining, and entertainment, this residence offers quick access to some of the most desirable destinations on the Emerald Coast. With direct proximity to the beach and strong rental demand in the area, the property presents flexibility for both personal use and investment potential. A rare entry-level opportunity in a prime beachfront corridor with long-term coastal appeal.

17307 Front Beach Rd Unit # 2, Panama City Beach

Listing courtesy of Compass.

$1,800,000
2 Beds ⋅ 2 Baths ⋅ 1007415 MLS
Blue Surf Townhomes is positioned on the west end of Panama City Beach near the South Walton line, offering a rare beachfront end-unit opportunity with direct Gulf access. This 2BR/2BA residence sits on a generous beachfront lot with unobstructed water views and immediate access to the sand from a private elevated deck and stairway leading directly to the Gulf. The interior has been thoughtfully updated with an open-concept kitchen, granite countertops, upgraded cabinetry, and refreshed flooring throughout. Large wall-to-wall windows maximize natural light and frame panoramic Gulf views from the main living areas. Both bedrooms are located on the second level, each with balcony access and coastal views, complemented by a shared full bath. Recent improvements include a new roof, updated flooring, fresh interior paint, and enhanced exterior concrete parking area. The property also benefits from ample on-site parking and a low-maintenance coastal layout. With no HOA restrictions and strong short-term rental potential, this property offers flexibility as a primary residence, second home, or income-producing investment in one of the most desirable stretches of the Emerald Coast. Its proximity to Pier Park, 30A, Northwest Florida Beaches International Airport, and surrounding dining and entertainment further enhances its long-term appeal. A true beachfront offering with limited comparable inventory--rarely available and highly sought after for both lifestyle and investment use.

17305 Front Beach Rd Unit #1, Panama City Beach

Listing courtesy of Compass.

$329,000
1 Beds ⋅ 2 Baths ⋅ 1007288 MLS
One of the few opportunities currently available at Pinnacle Port with an EXCEPTIONAL rental history, this beautifully maintained condo offers an impressive calendar of bookings (almost every day turn around!), outstanding 5-star guest reviews, and a loyal base of returning visitors year after year. Those are most valuable trades in vacation rental business that is already established for this property! Professionally staged(yes, owner paid for it!), fully furnished, and truly turnkey, it's ready to continue its success as a high-performing vacation rental or become your own private coastal retreat. Finally, a waterfront property where you don't have to choose between the Gulf and the lake. Here, you can enjoy breathtaking Gulf sunsets from your living room while overlooking the peaceful waters of Lake Powell from the dining area and primary suite - a combination so rare that it truly sets this condo apart. Inside, the thoughtfully updated interior features an open-concept kitchen with granite countertops, a breakfast bar, and spacious living areas designed for entertaining. Upstairs, the loft has been transformed into a private retreat with a custom stone and tile shower and a sliding barn door, creating a flexible space for owners and guests. Unit perfectly located in the center of the building at perfect height, and close to the elevator! Pinnacle Port is one of Panama City Beach's most unique waterfront communities, tucked behind the gates of Carillon Beach on 25 acres where the Gulf of America meets Lake Powell-Florida's largest coastal dune lake and one of the world's rare ecosystems where freshwater naturally connects with the Gulf. Spend your mornings watching dolphins offshore, your afternoons boating or fishing on the lake, and your evenings enjoying spectacular sunsets--all without leaving the community. Residents enjoy two pools, tennis and pickleball courts, a fitness center, sauna, private marina with boat slips and boat launch, fishing dock, and direct beach access. Bordering Camp Helen State Park, you'll also enjoy miles of preserved coastline, hiking trails, kayaking, wildlife, and one of the most peaceful stretches of beach along the Emerald Coast. Just minutes from the boutiques, restaurants, and entertainment of 30A, Rosemary Beach, Alys Beach, and Pier Park, Pinnacle Port feels like a secluded island retreat while remaining close to everything the Emerald Coast has to offer. An added bonus? Association dues include electricity for heating, cooling, and hot water, helping keep ownership costs more affordable.

23223 S Front Beach Dr Unit #737, Panama City Beach

Listing courtesy of Top Producers Real Estate Group.

$229,000
792198 MLS
Motivated Seller! Build your dream home on this prime cul-de-sac waterfront lot in the gated community of Harbour Cove Village along Millionaire's Row. This ready-to-build homesite offers added privacy and extra space with its unobstructed bay views and corner lot location, making it one of the community's most attractive lots. Enjoy direct canal frontage with convenient bay access, perfect for keeping your boat, jet ski, kayak, or paddleboard just steps from your future home. Spend your days exploring the bay or heading out to the Gulf with ease. To help bring your vision to life, the seller is including floor plans specifically designed for this lot, offering a valuable head start on the building process. Ideally located less than 10 minutes from the nearest beach access and minutes away from fine dining plus local shops, this property combines waterfront living with exceptional convenience. Whether you're building a primary residence, vacation getaway, or investment property, this is an incredible opportunity to own one of Harbour Cove Village's premier homesites.

1041 Lighthouse Lagoon Court, Panama City Beach

Listing courtesy of Salty Marlin Realty LLC.

Start Your Search

Copyright© 2016 by the Multiple Listing Service of the Pensacola Association of REALTORS® This information is believed to be accurate but is not guaranteed. Subject to verification by all parties. This data is copyrighted and may not be transmitted, retransmitted, copied, framed, repurposed, or altered in any way for any other site, individual and/or purpose without the express written permission of the Multiple Listing Service of the Pensacola Association of REALTORS®. Florida recognizes single and transaction agency relationships. Information Deemed Reliable But Not Guaranteed. Any use of search facilities of data on this site, other than by a consumer looking to purchase real estate, is prohibited.

Vendor Member Number : 28166