Panama City Beach Homes with Lake Waterfront Features

Welcome to Laketown Wharf! This beautifully furnished 2-bedroom + bunk room, 2-bath condo is located on the 19th floor and offers over 1,260 square feet of spacious living. Enjoy an oversized private balcony overlooking the resort's lake, boardwalk, pools, and nightly fountain show, with Gulf views from the front bedrooms. Recent updates include new carpet, fresh paint, and newer kitchen appliances. Laketown Wharf offers resort-style amenities including multiple pools, hot tubs, fitness center, restaurants, beach access just across the street, and entertainment for the whole family. Whether you're looking for a primary residence, vacation getaway, or income-producing investment, this turnkey condo is ready to enjoy!

9902 S Thomas Drive Unit 1932, Panama City Beach

Listing courtesy of Legacy Premier Agency.

$389,000

1 Beds ⋅ 1 Baths ⋅ 792594 MLS

LAKEVIEW coastal condo and 1/4 mile to the beach offering a rare combination of privacy, location, and true livability. This first-floor, end-unit residence (1 bed / 1 bath, 800 sq ff) features a wrap-around porch with direct views of Lake Powell and an everyday connection to the water-sunrise light pours through the bedroom in the morning, while afternoons and evenings open onto expansive lake views and stunning sunsets. The porch functions as a true extension of the home and is used year-round, with steady views of paddleboarders, boats, and local wildlife in a setting that remains peaceful without feeling isolated. Also, this building is also not subject to Florida's Milestone Inspection requirements which has helped keep long term costs more stable and predictable compared to many condo buildings throughout the state. Inside, the unit was fully renovated in 2016 with a cohesive coastal design and an emphasis on open, functional space. This was a complete renovation rather than incremental updates, and the result is a turnkey interior with no deferred maintenance or cosmetic projects required. The community sits in a highly desirable location-approximately 1/4 mile from our beautiful Gulf beaches, 1.5 miles from 30A and the Rosemary Beach corridor (including Alys Beach, Seaside, Grayton Beach, and WaterColor), and about 5 miles from Pier Park. This positioning allows easy access to dining, shopping, and entertainment while avoiding the congestion and intensity of staying directly within those high-traffic areas. The property is part of a small, 10-unit building known for its quiet, respectful atmosphere. Short-term rentals are permitted, and the community has a strong rental history with consistent five-star guest experiences and no reported neighbor issues. The scale and expectations of the building contribute to a stable and well-functioning environment. Community amenities include two swimming pools, a community dock, and a boat ramp on Lake Powell, supporting both recreation and waterfront access. The association has been actively maintained with an exterior renovation completed in 2019 and pool updates in 2022. Financial management has remained consistent, with stable dues over the years and transparent operations. The building is also not subject to Florida's Milestone Inspection requirements which has helped keep long term costs more stable and predictable compared to many condo buildings throughout the state. This condo offers a grounded, residential feel in a location that provides access to the best of the Emerald Coast without the associated congestion.

24400 Panama City Beach Parkway Unit 205, Panama City Beach

Listing courtesy of Regional Trust Corporation.

$749,900

792441 MLS

An Extraordinary Waterfront Opportunity with Gulf Views in Panama City Beach Opportunities like this are becoming increasingly rare. Perfectly positioned along Front Beach Road, this exceptional waterfront property offers a breathtaking setting between Lullwater Lake and Star Lake, while also capturing beautiful views of the emerald waters of the Gulf of America. Imagine watching spectacular sunsets paint the sky each evening as the shimmering Gulf provides a stunning backdrop just moments away. This unique property combines the serenity of lakefront living with the excitement and convenience of one of Panama City Beach's most desirable locations. Wake up to peaceful water views, enjoy gentle coastal breezes, and experience the best of Florida's waterfront lifestyle with the beach just across the street. Whether you're envisioning a luxury coastal estate, an exclusive vacation retreat, or a premier development opportunity, the possibilities are truly endless. The property's elevated position offers the potential to maximize panoramic views of the Gulf of America while preserving the tranquil beauty of the surrounding lakes. Just minutes from Pier Park, Frank Brown Park, world-class dining, shopping, entertainment, and Northwest Florida Beaches International Airport, this property delivers the perfect balance of privacy, convenience, and investment potential.

16544 Front Beach Road, Panama City Beach

Listing courtesy of Emerald Coast Realty Group.

$339,900

3 Beds ⋅ 2 Baths ⋅ 792391 MLS

Experience coastal living at its finest in this beautifully updated 2-bedroom + bunk room, 2-bath condo at Laketown Wharf Resort. This turn-key property is fully furnished and already performing as a strong rental, offering an exceptional opportunity for investors or those seeking a stylish second home with income potential. The décor blends calming tones of blue, white, and gray with subtle splashes of color, creating a bright, inviting atmosphere from the moment you walk in. The open living area is filled with natural light and flows seamlessly onto a spacious balcony overlooking the serene lake and resort surroundings. The primary suite also offers balcony access along with a generously sized ensuite featuring dual vanities, a soaking tub, and a separate walk-in shower. The guest bedroom and bunk room share a second full bath with a tub/shower combo, allowing the condo to sleep six comfortably and accommodate up to eight guests. The kitchen is both functional and stylish, showcasing white cabinetry, a sleek gray tile backsplash, granite countertops, stainless steel appliances, LED lighting, and a breakfast bar ideal for casual dining or entertaining. Additional updates include new luxury vinyl plank flooring throughout and upgraded appliances, ensuring a clean, modern feel throughout the space. Laketown Wharf delivers an impressive resort experience with multiple pools, a lakefront boardwalk, a Gulf-view fitness center, onsite dining, nightly fountain and light shows, and direct beach access just across the street. Its prime location places you steps from restaurants, shopping, and the iconic sugar-white sands of Panama City Beach. HOA dues include water, sewer, cable, WiFi, and access to all resort amenities (electric billed separately). Offering strong rental history, stylish updates, and a turn-key setup, this condo is a standout opportunity in one of PCB's most popular vacation destinations. Ready for immediate enjoyment or continued rental success.

9860 S Thomas Drive Unit 209, Panama City Beach

Listing courtesy of Local Insight Realty.

$329,000

1 Beds ⋅ 2 Baths ⋅ 792352 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 everyday 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 Front Beach Road Unit A-737, Panama City Beach

Listing courtesy of Top Producers Real Estate Group.

$749,900

792311 MLS

An Extraordinary Waterfront Opportunity with Gulf Views in Panama City Beach Opportunities like this are becoming increasingly rare. Perfectly positioned along Front Beach Road, this exceptional waterfront property offers a breathtaking setting between Lullwater Lake and Star Lake, while also capturing beautiful views of the emerald waters of the Gulf of America. Imagine watching spectacular sunsets paint the sky each evening as the shimmering Gulf provides a stunning backdrop just moments away. This unique property combines the serenity of lakefront living with the excitement and convenience of one of Panama City Beach's most desirable locations. Wake up to peaceful water views, enjoy gentle coastal breezes, and experience the best of Florida's waterfront lifestyle with the beach just across the street. Whether you're envisioning a luxury coastal estate, an exclusive vacation retreat, or a premier development opportunity, the possibilities are truly endless. The property's elevated position offers the potential to maximize panoramic views of the Gulf of America while preserving the tranquil beauty of the surrounding lakes. Just minutes from Pier Park, Frank Brown Park, world-class dining, shopping, entertainment, and Northwest Florida Beaches International Airport, this property delivers the perfect balance of privacy, convenience, and investment potential.

16544 Front Beach Road, Panama City Beach

Listing courtesy of Emerald Coast Realty Group.

$225,000

1 Beds ⋅ 2 Baths ⋅ 792255 MLS

FIRST FLOOR UNIT 113 - SKIP THE ELEVATORS! Great Investment Opportunity | Rental-Ready | Clean & Comfortable This spacious 1-bedroom, 2-full-bath condo with a bunk room comfortably sleeps up to 6 guests, making it the perfect family getaway. Located at Laketown Wharf Resort in Panama City Beach, this unit sits in the heart of all the action. Enjoy stunning lake and boardwalk views from your private balcony, with beach access just steps away. Resort Amenities: 5 swimming pools Splash Bar & Grill Putting green Pickleball court Fitness center with brand-new equipment with Gulf views Climate-controlled storage units on site On-Site Dining & Retail: Multiple restaurants on the ground floor, including a seafood buffet, tacos, pizza, BBQ and more T-Shirt & Souvenir Shop Tipsy Turtle Daiquiri Shop Hair Salon Ice Cream Shop 810 Bowling & Billiards Walmart is conveniently located right across the street. You'll also find plenty of additional entertainment, dining, and attractions within easy walking distance. Additional Highlights: Clean, secure, and exceptionally well-maintained condo and grounds 24-hour security A front desk in a large lobby Two oversized parking garages with ample space year-round Ideal for short-term or long-term rentals Owners can bring their pets

9860 S Thomas Drive Unit 113, Panama City Beach

Listing courtesy of Coastal Living Realty & Associates.

$589,900

3 Beds ⋅ 3 Baths ⋅ 792145 MLS

Dream Lakefront Living in Panama City Beach - New Construction with up to $10,000 Seller Closing Cost Assistance or Rate Buy-Down! Step into your coastal dream at this exquisite brand-new two-story home at 229 Lullwater Drive. Offering 1,817 sq ft of sophisticated living space, this gem boasts 3 generous bedrooms, 2.5 elegant baths, and a main-level primary suite that blends comfort with style. Quality details include hurricane-impact windows & doors, spray-foam roof deck insulation, Taexx pest control, reclaimed-water irrigation, gutters, wrap-around fencing, and an oversized 1-car garage. Benefit from NO HOA, no flood zone, and an unbeatable location -- walking distance to the beach and minutes from Pier Park and Frank Brown Park. Includes 1-year builder warranty and transferable termite bond. Perfect as a primary residence, second home, or long-term investment. This fresh listing is move-in ready and waiting for you. Don't wait -- schedule your private tour today and claim your slice of paradise!

229 Lullwater Drive, Panama City Beach

Listing courtesy of Keller Williams Success Realty.

$589,900

3 Beds ⋅ 3 Baths ⋅ 792142 MLS

Waterfront Luxury on Lullwater Lake - Brand New Home with up to $10,000 in Seller Closing Cost Assistance or Rate Buy-Down! Imagine waking up to serene lakefront living in this stunning, brand-new two-story home at 227 Lullwater Drive in beautiful Panama City Beach. This 1,817 sq ft masterpiece features 3 spacious bedrooms, 2.5 designer baths, and a luxurious main-level primary suite. Built with quality features including hurricane-impact windows & doors, spray-foam roof deck insulation, Taexx in-wall pest control, reclaimed-water irrigation, gutters, wrap-around fencing, and an oversized 1-car garage. Enjoy true freedom with NO HOA fees and no flood zone. You're within walking distance to the beach, minutes from Pier Park, and close to Frank Brown Park's recreation facilities. This fresh listing comes with a 1-year builder warranty and transferable termite bond. Perfect as a primary residence, second home, or long-term investment. Schedule your private tour today and claim your slice of paradise!

227 Lullwater Drive, Panama City Beach

Listing courtesy of Keller Williams Success Realty.

$649,000

3 Beds ⋅ 3 Baths ⋅ 792130 MLS

TRUE LAKE-FRONT in Lakeside Lodge at Prospect Point. 3BD/3Bth. Lake-front Master Bedroom. GAS COOKING. Tons of upgrades, beamed ceilings with stained wood above. FULLY FURNISHED. Jerusalem Stone bathroom counter tops. The finishes in Wild Heron are top of the line. $13,000 HVAC REPLACEMENT. Go and see it for yourself and you'll fall in love. Lakeside Lodge had access the Wild Heron amenities as well as a private pool & hot tub just for the Lakeside Lodge owners. NEW HOT WATER HEATER - 2026.

1101 Prospect Promenade Unit 102, Panama City Beach

Listing courtesy of Pineapple Properties.

$439,950

2 Beds ⋅ 3 Baths ⋅ 791717 MLS

This beautiful townhouse style condo is located in the highly desirable Pinnacle port, a family-oriented resort tucked away from it all but still close to all the action, if desired. Featuring, direct gulf views off the dining and living room areas. Sit on the balcony off the living room and listen to the waves. The kitchen features nice appliances, including a full-sized refrigerator and granite counter tops. A half bath with a full-sized washer and dryer. Upstairs you'll find a guest bedroom with direct gulf front views. There is a queen bed as well as twin bunks, sleeping a total of 4. The second bedroom has a king bed and en-suite. The balcony off the second bedroom has views of Lake Powell and the bridge leading into Walton County. The resort has 2 pools, one that is partially covered for those hot beach days. It is also heated in the cooler months for year-round enjoyment. 2 saunas are available for your use. Pinnacle Port has 2 grilling areas located throughout the property one of them viewable from the living room balcony. They have a beach side playground, boat slips and docks for fishing. There are tennis/pickleball and bocce ball. All of this in a safe, gated community lined with sidewalks and palm trees for bike riding.

23223 Front Beach Road Unit 311, Panama City Beach

Listing courtesy of Counts Real Estate Group Inc.

$330,000

3 Beds ⋅ 2 Baths ⋅ 791349 MLS

WHIMSICAL COASTAL STYLE. LAKEFRONT BALCONY VIEWS. FIRST RESIDENTIAL LEVEL CONVENIENCE. Laketown Wharf 108 is beautifully updated, thoughtfully styled, and full of beach-inspired personality. This spacious three-bedroom, two-bathroom split-bedroom floor plan has been extensively refreshed within the past year. From the furnishings and décor to the lighting, finishes, and updated details, this residence is move-in ready and equally suited as a primary residence, second home, or vacation rental investment. The primary suite overlooks the lake and features sliding glass door access to the large balcony. The ensuite bathroom includes double vanities, a soaking tub with decorative tile surround, a large walk-in shower, and updated fixtures. On the opposite side of the residence, a guest bedroom and bunk room share a full bathroom, creating privacy for owners and guests alike. A modern barn door with frosted glass panels provides privacy to the bunk room while also concealing the full-size stacked front-load washer and dryer. Throughout the residence, you'll find updated faucets, fresh paint, new lighting, ceiling fans, flat-screen TVs, and polished coastal décor with a distinctive Mermaid Cove feel. The owner's attention to detail is evident throughout, and the combination of furnishings, colors, lighting, and décor creates a residence that feels curated, memorable, and ready to enjoy from day one. The kitchen has been thoughtfully updated with River White granite countertops, an extended granite island with beveled corners, tile backsplash, all-new stainless-steel appliances, a deep undermount stainless steel sink, and an upgraded designer faucet. Luxury vinyl plank flooring runs throughout the living areas, with tile flooring in the bathrooms. Step outside onto the oversized balcony, fully furnished with a dining table and multiple seating areas overlooking the Laketown Wharf boardwalk, lake, and the famous nightly fountain show. From the primary bedroom and balcony, you'll also enjoy views of the iconic WonderWorks Upside Down House and Ripley's Believe It or Not!, two of Panama City Beach's most recognizable landmarks. Located on the first residential level, this residence offers convenient access without depending on elevators, although the elevators are located near the front door. The unit is also conveniently positioned near the owner's parking garage. Additional improvements include a new water heater installed in 2025 and a brand-new HVAC system installed in June 2026. This residence is owner-occupied and meticulously maintained. Some personal items do not convey with the sale. Laketown Wharf is known for its extensive amenity package, including five pools, two hot tubs, a Gulf-view fitness center, pickleball courts, mini golf, a playground, and a 52,000-square-foot boardwalk surrounding the lake with a nightly fountain and light show. The property also offers gated beach access next door to Pineapple Willy's, on-site dining and entertainment, two parking garages, barbecue areas, pet areas, and additional resort conveniences. HOA dues are $1,065.20 per month and include water, sewer, trash, cable/TV, pest control, WiFi, and access to amenities. All information is deemed reliable but should be verified by the buyer if important.

9860 S Thomas Drive Unit 108, Panama City Beach

Listing courtesy of Coldwell Banker Realty.

Panama City Beach Homes with Lake Waterfront Features

Newest Panama City Beach Homes with Lake Waterfront Features