Panama City Beach Homes with Pond Waterfront Features

Welcome to Panama City Beach, Florida—a sun-kissed paradise nestled along the stunning Gulf Coast in Bay County. Renowned for its pristine white-sand beaches and crystal-clear turquoise waters, Panama City Beach is more than just a summer getaway; it’s a vibrant community that offers a perfect blend of relaxation and adventure. With an average of 320 sunny days a year, this idyllic destination is a haven for outdoor enthusiasts, families, and retirees alike.

One of the most enchanting features of Panama City Beach is its diverse real estate offerings, particularly homes with pond waterfront features. Imagine waking up to serene views of shimmering waters right outside your window, where the gentle sounds of nature provide a calming backdrop to your daily routine. These homes not only offer the tranquility of pond-side living but also create an inviting atmosphere for entertaining friends and family.

Whether you’re sipping your morning coffee on a spacious deck or enjoying a sunset barbecue in your backyard, homes with pond waterfront features provide a unique lifestyle that seamlessly blends luxury and nature. Many properties boast modern amenities, lush landscaping, and easy access to local attractions, ensuring that you have everything you need at your fingertips.

In Panama City Beach, you’re not just investing in a home; you’re embracing a lifestyle filled with sunshine, adventure, and the soothing embrace of nature. Discover your dream home today and experience the magic of waterfront living in this coastal gem!

Newest Panama City Beach Homes with Pond Waterfront Features

$150,000

792775 MLS

Been waiting for a pond-front Lot in the gated, waterfront community of RiverCamps to build your dream home? I've now got one, it's .66 acres, it is fantastic and it is priced to sell at $150,000. Bring your own designer and builder or listing agent can assist putting you in touch with a builder who knows RiverCamps. Discover the best kept secret in Panama City Beach. RiverCamps is 1500 acres, gated, surrounded by West Bay, Intracoastal Waterway, Crooked Creek and a 30-minute boat ride to the Gulf. RiverCamps is a nature preserve and will have less than 450 homes when completed with 1000 acres dedicated to conservation. Designed for the outdoor enthusiast there are over 7 miles of connected trails and boardwalks. A community boat ramp, dry boat storage, day use boat slips and washdown stations. Wildlife galore. New pool and pavilion. Basketball and pickleball courts and a new fitness center under construction and expected to be completed late 2026. Outside the gates of RiverCamps you are 10 miles from the famous sandy beaches, 10 minutes from the NW Florida Beaches International Airport, 10 minutes from the new FSU Tallahassee Memorial Healthcare, medical campus and soon to be completed 180 bed hospital and 2 miles from the under-construction Publix grocery, opening early 2027 and the planned 500,000 sq ft of adjacent retail space! RiverCamps is truly close to everything yet far from the traffic and crowds.

7713 Magnolia Pond Trail, Panama City Beach

Listing courtesy of Berkshire Hathaway HomeServices Beach Properties of Florida.

$329,000

3 Beds ⋅ 2 Baths ⋅ 1007690 MLS

Beautiful views of the Emerald Coast await you from this 3-bedroom, 2-bath condo! Master Bedroom features a king-size bed, private access to the oversized balcony, and large en-suite bathroom complete with a soaking tub, separate walk-in shower, and double vanities. Second bedroom offers a queen bed, and a separate bunk room includes twin size bunk beds. Nicely sized kitchen featuring upgraded stainless steel appliances, and functional island. Offering a complete vacation experience where you never have to leave the property, this resort features diverse dining options--ranging from a seafood buffet and tacos to a dedicated brunch spot--alongside premium entertainment at the on-site 810 Billiards & Bowling, which boasts bowling lanes, simulators, axe throwing, and an arcade. Guests can unwind across five spectacular pools, a gulf-view fitness center, a full-service salon, and a lakefront boardwalk featuring nightly music and light-choreographed water shows. Combining ultimate leisure with everyday convenience, the resort also offers covered parking, grilling areas, an adjacent Walmart, and beach access just steps away from the sugar-white sands. This fully furnished, spacious retreat is completely turn-key and rental-ready, making it a perfect personal beach getaway and/or well-performing investment property. All measurements are approximate and should be verified by buyer.

9860 S Thomas Dr Unit UNIT 1922, Panama City Beach

Listing courtesy of Anchor Realty Florida.

$225,000

1 Beds ⋅ 1 Baths ⋅ 1006859 MLS

Welcome to your serene retreat in Bay Point, one of the most exclusive gated communities in the area! This beautifully updated 1 BR/1BA condo overlooks a peaceful lake along the renowned Jack Nicklaus golf course and sits just across from the new state-of-the-art South Point Marina on Grand Lagoon. Enjoy quiet mornings with wildlife views in a secure, 24-hour gated community that feels like a world away. Inside, you'll find stylish upgrades throughout--including Shiplap Accents, Sliding Barn Doors, Tile Plank Flooring, 2 Pantries, Quartz countertops and a 6' Long Kitchen Island. The entire condo was completely renovated in 2019. All appliances, including the HVAC and front-load washer/dryer, are less than six years old. The HVAC includes UV Air Purifier. Perfect for full-time living, a weekend escape, or a low-maintenance investment in a premier coastal community, with 2 restaurants in the community. Bay Point annual fee is $1650. The dimensions are estimated. Measure if important.

4725 Bay Point Rd Unit 269, Panama City Beach

Listing courtesy of Coldwell Banker Realty.

$225,000

1 Beds ⋅ 1 Baths ⋅ 1006859 MLS ⋅ Bay Point Studio Villas Unit 3 BLDG.

4725 Bay Point Rd Unit 269, Panama City Beach

Listing courtesy of Coldwell Banker Realty.

$239,900

1006321 MLS

Best Priced Lot in Wild Heron! This prime location, situated along Sharks Tooth Trail, presents an ideal opportunity for the construction of a residence featuring a distinctive circular driveway on this corner lot. It is easy to envision a dream home emerging within this setting, complete with inviting outdoor spaces for relaxation and entertainment. The Wild Heron neighborhood is distinguished by its exceptional amenities, including a beautifully designed swimming pool, scenic walking trails, and a thoughtfully integrated golf course. These features facilitate an engaging community where residents can partake in social events and cultivate lasting relationships.

1530 Sharks Tooth Trl, Panama City Beach

Listing courtesy of EXP Realty LLC.

$1,399,000

4 Beds ⋅ 4 Baths ⋅ 1005527 MLS

Tucked behind the gates of Bay Point, a grand Southern, Colonial plantation-style estate set on nearly an acre of manicured grounds has been designed for families to enjoy for generations to come. A stunning, two and a half homesites in total overlooking the 6th green, this home truly impresses! At almost 4,700 square feet and sitting on one of the largest homesites in the community, you'll enjoy .87 acres overlooking a tranquil pond and private pool. A showstopper of acreage, views and privacy, this is a property that earns its reputation before you ever step through the door. The full-width, wrap-around porches and balconies spanning both levels set the tone immediately: this is a home built for living and blends the indoors and outdoors seamlessly. Step through the grand foyer and you'll see a thoughtful design with attention to family gatherings. To the right, a private home office with a full bath and direct access to the wrap-around patio, perfect for the executive who needs a true separation between work and home, or for guests who deserve their own wing. To the left, an extraordinary living room anchors the main level entertaining experience: a room large enough for pool, ping pong and more, including a wet bar and a fireplace, soaring high ceilings, and the energy of a space that has seen it's share of neighborhood family parties! This is the room that becomes part of your family's legend. A wine room positioned across from the formal dining room speaks to the home's commitment to entertaining done properly. The kitchen has been fully renovated and nothing short of spectacular. A built-in banquette for relaxed morning breakfasts. A dedicated coffee bar. A large island with waterfall countertops. Custom cabinetry, stainless appliances, and a layout that opens directly to a cozy living area and a screened porch, keeping the cook in your family connected to the conversation. Every detail here was considered! Step off the screened porch and into a backyard that redefines what outdoor living at the beach looks like. The pool and spa are stunning. They're built for long summer afternoons and evenings that never seem to end. Beyond the 40' pool, nearly an acre of lush, private lawn opens up into something rare in any gated community: space. Room for pickleball, bocce ball, basketball, batting practice, or whatever your family dreams up. And at the edge of it all, your own private dock on the pond overlooking the golf course. Upstairs, the primary suite is a true sanctuary. Spacious, serene, and anchored by a fully appointed en-suite bath with a soaking tub, a tiled walk-in shower, and double vanities. Step through to the full-width wrap-around balcony, your own private morning retreat with coffee in hand and nothing but pond and golf course views of Bay Point. Each of the remaining bedrooms offers its own en-suite bath, giving every member of the household the kind of privacy that keeps families at peace. A flex room at the top of the stairs rounds out the upper level, equally suited as a fitness room, a playroom, a study, or whatever the next chapter of your life requires. This home has been well-maintained and recently had the exterior completely repainted and is stunning from the moment you drive in the gates. Living at Legend Lakes means living inside one of the most coveted communities on the Gulf Coast. Bay Point is golf-cart friendly, gated, and layered with amenities that make every day feel like a vacation you never have to leave. Point South Marina. The Bay Point Golf Club. Neon's Bar 72. The Serenity full-service spa...all on site. And when the beach calls, you are ten minutes from some of the most beautiful white sand and turquoise waters on the Florida Panhandle. Keep your boat at the Point South Marina and never get in your car to hit the water - just a short 2 minute golf cart ride to your vessel! This is the home where your family builds its memories and legends begin.

131 Legend Lakes Dr, Panama City Beach

Listing courtesy of Corcoran Reverie SRB.

$399,000

3 Beds ⋅ 2 Baths ⋅ 1005304 MLS

Welcome to Laketown Wharf, one of Panama City Beach's most sought-after resort communities! This beautifully maintained, fully furnished 2-bedroom, 2-bath condo-Plus a private bunk area offers 1,262 square feet of coastal living and is completely turnkey, making it ready for immediate enjoyment or continued rental income from day one. Designed with both comfort and functionality in mind, the unit features a highly desirable bunk room in addition to two spacious bedrooms, allowing it to comfortably accommodate families and larger groups. Located on the 20th floor, this condo offers beautiful views of the Gulf of Mexico and Panama City Beach's stunning coastline. Start your mornings with coffee on the balcony while taking in the emerald waters of the Gulf, and end your evenings watching breathtaking sunsets paint the sky in shades of orange, pink, and gold. The elevated vantage point provides a picturesque backdrop that guests and owners alike will appreciate year-round. For investors, the numbers speak for themselves, with over $50,000 annually in actual gross rental income and a proven history of strong guest demand. The spacious floor plan, Gulf views, and resort amenities combine to create a property that appeals to vacationers throughout the year. Recent Upgrades & Improvements: This condo has been thoughtfully maintained and updated, offering added value and peace of mind for its next owner. Recent improvements include a new hot water heater (2022), new HVAC system (2023), new dishwasher (2023), new refrigerator (2024), and new microwave (2024). These major updates help minimize future maintenance expenses while enhancing the property's appeal for both personal use and vacation rental guests. Laketown Wharf is known for its impressive lineup of resort-style amenities, including five swimming pools, a private freshwater lake with a scenic boardwalk, fitness center, putting green, splash pad, covered parking garage, and the community's signature nightly fountain, music, and light show. These amenities help make Laketown Wharf one of the most popular destinations in Panama City Beach for owners and vacationers alike. Conveniently located in the heart of Panama City Beach, you'll be just minutes from some of the area's best shopping, dining, entertainment, golf, and family attractions. From Pier Park and local restaurants to popular attractions and outdoor activities, everything you need for the perfect beach getaway is within easy reach. Whether you're looking for a proven investment property, a vacation retreat, or a combination of both, this fully furnished condo offers an exceptional opportunity to own in one of Panama City Beach's premier resort communities while enjoying Gulf views, spectacular sunsets, outstanding amenities, and strong rental performance.

9860 S Thomas Dr Unit UNIT 2010, Panama City Beach

Listing courtesy of 1 Percent Lists Florida Coast.

$304,900

2 Beds ⋅ 2 Baths ⋅ 1004404 MLS

A NEW HVAC system will be installed before closing! This remodeled, gorgeous condo is resort living at its finest! Leave the world behind, grab your beach gear and experience the magic that Edgewater Resort has to offer. Located in the Edgewater Golf Villa resort, there are so many fun activities at your fingertips. You, or your guests have access to our world-famous white sand beaches and have an incredible number of activities on-site to make for fun-filled days. Located in the two-story golf villa building, this remodeled condo is one of the nicest in Edgewater; complete with an updated kitchen, bathrooms and LVP flooring throughout. Furnished, and rental ready, get the keys and move right in! Recently appraised at $325k, this beautiful unit provides instant equity! This condo is located in central PCB, and you are close to many restaurants, shopping and fun activities. Vacation life at its best! Stay as busy as you want or relax - the choice is yours with so many options including; an onsite Par 3 executive golf course right out your door, hot tubs, 11 POOLS, tennis, fitness center, children's activities, and much more! OR just relax on your private balcony. Both charming and luxurious, this golf villa is a great vacation rental or make it your home knowing that the 24-hour gated security is looking out for you. This is one of the most popular resorts on the Florida panhandle; get your private tour today!

520 N Richard Jackson Blvd Unit UNIT 2108, Panama City Beach

Listing courtesy of Counts Real Estate Group Inc.

$1,795,000

4 Beds ⋅ 5 Baths ⋅ 1004313 MLS

Discover 3500 Dragon's Ridge Road, an exceptional estate home that perfectly blends luxury, comfort, and durability in a breathtaking golf course setting within the gated community of Bay Point Legend Hills. Situated on a rare double lot, this custom-built, one-owner residence offers more than 4,600 square feet of thoughtfully designed living space all on one level, featuring soaring 10- to 16-foot ceilings, abundant natural light, Andersen windows and doors, solid core doors, crown molding, plantation shutters, and quality craftsmanship throughout. Stunning curb appeal welcomes you home with beautiful landscaping and wide driveway, concrete tile roof, and oversized three-car garage. Inside, enjoy expansive views of the 10th hole, 11th fairway, picturesque ponds, and unforgettable sunsets from the moment you enter. The spacious layout includes elegant living and dining rooms, a private office, and a gourmet kitchen equipped with Thermador appliances, Sub-Zero refrigerator, induction cooktop, Bosch convection microwave, Viking warming drawer, and an inviting family room with fireplace and custom wood feature wall opening to the outdoor living area. The resort-style backyard is designed for relaxing and entertaining with a sparkling pool, spa, covered patio, and fenced pool deck overlooking the golf course and water views. The private primary suite serves as a true retreat with a sitting area, oversized walk-in closet, dressing area, and recently updated bath featuring dual vanities and a custom wheelchair-accessible walk-in shower, along with direct access to the pool and hot tub. Two guest bedrooms with en-suite baths, a walk-in laundry room, and guest half bath complete the main living wing. A separate private wing offers incredible flexibility with a dedicated media room featuring projector screen, bar area, wine cooler, bonus living space, exercise room, full bath, private entrance, and oversized one-car garage/workshop, making it ideal for a mother-in-law suite or guest quarters. Additional highlights include four HVAC units replaced within the last five years, two gas water heaters replaced in December 2025, whole-house generator, roll down hurricane shutters, and gas furnace for year-round comfort and peace of mind. Residents of Bay Point enjoy resort-style amenities including a Jack Nicklaus-designed championship golf course, full-service marina, dining and entertainment at Bar 72, and convenient access to boating, shopping, dining, top-rated schools, and the sugar-white sands of Panama City Beach. This remarkable legacy property offers the perfect combination of elegance, functionality, and coastal lifestyle living. Call today for your private showing!

3500 Dragon Ridge Rd, Panama City Beach

Listing courtesy of Keller Williams Success Realty.

$672,800

1004164 MLS

RARE WEST END DEVELOPMENT OPPORTUNITY! Attention Builders and Investors, Lock in these buildable home lots for $672,800. today. R2 zoning allows you to build 3 homes across these parcels, your land cost drops to an unbeatable $224,266 per house lot! No HOA: Complete architectural freedom to build high-occupancy Airbnb/VRBO floor plans with no architectural review committee. Water Views: Vertical layouts capture overlapping views of the Gulf and the adjacent natural pond. Public Sewer Access: Skip the five-figure costs and footprint limits of coastal septic systems. Easy walking/golf-cart distance to the beach, the Carousel, and Thomas Donut & Snack Shop. Secure the bundle today and maximize the best pro-forma per-door land price on the West End. Proof of funds or builder pre-approval required. Short-term seller financing considered for qualified buyers. The Shovel-Ready Margin Potential: All-In Cost: ~$1.63M (Includes $672,800 land, $910,000 build budget for ~3,500 total sq ft, and $55,000 for permits/fees) estimated. The Exit Value: $2,040,000+ total portfolio retail value based on recent West End sales possibilities. The Profit Potential: Net over $400,000 in gross profit (~24.5% margin) by mobilizing one crew for anticipated gains. Agents standing by, call now.

120-124 Deluna Pl, Panama City Beach

Listing courtesy of Gulf Real Estate.

$672,800

790384 MLS

Attention Builders and Investors, Lock in these buildable home lots for $672,800. today. R2 zoning allows you to build 3 homes across these parcels, your land cost drops to an unbeatable $224,266 per house lot! No HOA: Complete architectural freedom to build high-occupancy Airbnb/VRBO floor plans with no architectural review committee. Water Views: Vertical layouts capture overlapping views of the Gulf and the adjacent natural pond. Public Sewer Access: Skip the five-figure costs and footprint limits of coastal septic systems. Easy walking/golf-cart distance to the beach, the Carousel, and Thomas Donut & Snack Shop. Secure the bundle today and maximize the best pro-forma per-door land price on the West End. Proof of funds or builder pre-approval required. Short-term seller financing considered for qualified buyers. The Shovel-Ready Margin Potential: All-In Cost: ~$1.63M (Includes $672,800 land, $910,000 build budget for ~3,500 total sq ft, and $55,000 for permits/fees) estimated. The Exit Value: $2,040,000+ total portfolio retail value based on recent West End sales possibilities. The Profit Potential: Net over $400,000 in gross profit (~24.5% margin) by mobilizing one crew for anticipated gains. Agents standing by, call now.

120-124 Deluna Place, Panama City Beach

Listing courtesy of Gulf Real Estate.

$484,900

4 Beds ⋅ 3 Baths ⋅ 1002548 MLS

Seller is motivated 4BR/2.5BA ranch home in Palmetto Trace with pond frontage, community pool access, and a convenient Panama City Beach location near shopping, dining, and the beach. Built in 2006, this single-level home offers approximately 2,425 square feet under roof with an open living area, tile flooring throughout with carpted bedrooms, crown molding, 9 foot ceilings, and abundant natural light. Carpet just replaced in the bedroom staged as an office. The kitchen features a breakfast bar, pantry, and included appliances. The primary suite includes a walk-in closet and double vanity bath. Enjoy a covered patio, spacious backyard with pond views, and a 2-car attached garage. Palmetto Trace amenities include a community pool and sidewalks throughout the neighborhood.

231 Middleburg Dr, Panama City Beach

Listing courtesy of Salty Marlin Realty.

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