Panama City Beach Homes under $400,000

520 N Richard Jackson Blvd Unit UNIT 112, Panama City Beach

Discover the exceptional opportunity to own Villa #112 at Edgewater Beach & Golf Resort, one of Panama City Beach's most sought-after gated resort communities. This extremely rare studio floor plan offers the full Edgewater resort experience while featuring the lowest HOA dues in the entire complex. This fully furnished, ground-level villa offers a unique combination of comfort, convenience, and privacy, with beautiful golf course views from both the living area and private back patio. Ground-level living means easy access with parking immediately outside the front door--no stairs, elevators, or long walks when unloading luggage, groceries, or beach gear. The villa is also conveniently located directly beside one of Edgewater's many heated villa pools. Owners and guests enjoy an impressive array of resort amenities, including the spectacular 11,000-square-foot lagoon-style pool, 10 additional heated pools, hot tubs, on-site restaurants and bars, a nine-hole golf course, tennis and pickleball courts, and more. Getting to the beach is simple, with a short walk across the Edgewater Walkover Bridge or complimentary tram service providing easy access to the lagoon pool and beachfront. Beyond the resort gates, an outstanding selection of restaurants, shopping, entertainment, a convenience store, bowling, and other attractions are just moments away. The Bay County Pier is also approximately two blocks from the resort.

520 N Richard Jackson Blvd Unit UNIT 112, Panama City Beach

Listing courtesy of RC Real Estate Group.

14701 Front Beach Rd Unit UNIT 1226, Panama City Beach

$339,000

1 Beds ⋅ 1 Baths ⋅ 1013231 MLS

Wake up to breathtaking Gulf views from this 12th floor beautifully updated 1 bedroom 1 bathroom beachfront condo featuring hallway bunks, perfect for additional guests or family getaways. This light and bright unit boasts new stainless steel appliances, granite counters, shaker style white cabinets, new furniture, modern lighting, comfortable new mattresses, and a stylish updated bathroom vanity. Enjoy resort-style amenities with multiple sparkling pools/hot tubs, (one Gulf front), fitness center, restaurant, Skybar, on-site Starbucks, community rooms, and a beach store. Just a few minutes to Pier Park and all of it's shopping and restaurants. This unit is turnkey and rental ready. Don't miss your chance to own a slice of paradise!

14701 Front Beach Rd Unit UNIT 1226, Panama City Beach

Listing courtesy of Watersound Real Estate.

219 Palmeras Marinas Ln, Panama City Beach

$339,000

3 Beds ⋅ 3 Baths ⋅ 1012830 MLS

Looking for a place near the beach that works just as hard as you do? This nearly NEW 3-bedroom, 2.5-bath *fully furnished* townhome offers an exciting opportunity in the heart of Panama City Beach, whether you're searching for a primary residence, second home, or potential investment property. As an added benefit, there is a $10,000 seller credit as part of an acceptable offer. This can be used toward closing costs or an interest-rate buydown, giving you options to significantly reduce your upfront or monthly costs. Inside, the home feels bright, comfortable, and thoughtfully put together. The open-concept main level connects the living, dining, and kitchen areas, creating an easy space for everyday living and entertaining. The kitchen features white cabinetry, granite countertops, stainless steel appliances, a spacious center island with seating, and plenty of storage. Durable EVP flooring runs throughout the main living area, while recessed lighting and a neutral color palette keep the space light and inviting. All three bedrooms are upstairs, offering separation between the living and sleeping spaces. The primary suite offers a generous closet and private bath with dual sinks and an oversized shower, while two additional bedrooms and a full hall bath provide plenty of room for family or guests. The home is furnished, making it easier to start enjoying the property without the added expense and logistics of furnishing a second home or investment from scratch. The one-car garage with a finished epoxy floor provides valuable space for parking, storage, beach gear, or bikes, while gutters add practical appeal. And the location is hard to beat. You're less than half a mile from Panama City Beach's sugar-white sand, with restaurants, shopping, entertainment, golf, and Pier Park just minutes away. Short-term rentals are allowed, giving the future owner additional flexibility in how they use the property. Nearly new, beautifully maintained, and just minutes from the beach, this stylish Panama City Beach townhome offers an easy opportunity to make the beach lifestyle your own.

219 Palmeras Marinas Ln, Panama City Beach

Listing courtesy of Berkshire Hathaway HomeServices.

9900 S Thomas Drive Unit 2126, Panama City Beach

$329,900

1 Beds ⋅ 2 Baths ⋅ 796189 MLS

SUNSET VIEWS FROM THE BALCONY. SUNRISE VIEWS FROM THE PRIMARY BEDROOM. DEEDED PARKING. Shores of Panama 2126 is a beautifully maintained, professionally managed N floor plan featuring one bedroom, a bunk room, two full bathrooms, and a deeded parking space on the 11th floor. Positioned high above Panama City Beach, the condo offers Gulf views in two directions. From the living room and balcony, enjoy views across the resort's lagoon-style pool toward the Gulf, including southwest-facing sunset views. From the primary bedroom, the perspective shifts southeast along Panama City Beach's coastline, offering Gulf and sunrise views from the opposite side of the residence. Inside, coastal decor and LVP flooring throughout create a bright, cohesive interior. The primary bedroom includes a king-size bed and large flat-screen TV. The living room features a new U-shaped, deep-seated pullout sofa and large flat-screen TV. The kitchen is finished with granite countertops and stainless steel appliances, while a front-loading stackable washer and dryer provides in-unit laundry. The HVAC system was replaced in 2020, and the water heater was replaced in 2021. Documented rental income paid to the owner after management totaled $35,284.13 in 2024 and $30,135.85 in 2025. Completed stays through September 29, 2026, generated $27,818.74 after management and before other ownership expenses. Dolce Vita Getaways has also provided a projected annual rental revenue of $44,100, with an estimated range of $35,500 to $54,400 before management fees and ownership expenses. Past performance and projections are provided for informational purposes only and are not guarantees of future rental income. Shores of Panama Resort features one of the largest Gulf-front lagoon-style pools in Panama City Beach. The zero-entry tropical pool includes palm-lined islands, fountains, a spacious hot tub, and direct access to the resort's beachfront area. Additional amenities include an indoor heated pool and hot tub, a 24-hour fitness center, and a seasonal poolside Tiki bar. Located in the heart of Panama City Beach, Shores of Panama places dining, shopping, attractions, and entertainment nearby. Pineapple Willy's is adjacent to the resort, while Laketown Wharf directly across the street offers a variety of dining, retail, and entertainment options including Wharf Seafood Buffet, The Candymaker Ice Cream Shop, PCB Pizza, In Cahoots, The Press, The Bun Lab, 810 Billiards & Bowling, salon services, and more. Additional Panama City Beach attractions and entertainment venues include Dolly Parton's Pirates Voyage Dinner & Show, Topgolf, McGuire's Irish Pub, and Tootsie's Orchid Lounge. HOA dues are $3,147.62 per quarter. All information, rental income, projections, HOA fees, assessments, measurements, and property details are deemed reliable but not guaranteed; buyer to verify if important.

9900 S Thomas Drive Unit 2126, Panama City Beach

Listing courtesy of Coldwell Banker Realty.

9900 S Thomas Dr Unit 2126, Panama City Beach

$329,900

1 Beds ⋅ 2 Baths ⋅ 1013174 MLS

SUNSET VIEWS FROM THE BALCONY. SUNRISE VIEWS FROM THE PRIMARY BEDROOM. DEEDED PARKING. Shores of Panama 2126 is a beautifully maintained, professionally managed N floor plan featuring one bedroom, a bunk room, two full bathrooms, and a deeded parking space on the 11th floor. Positioned high above Panama City Beach, the condo offers Gulf views in two directions. From the living room and balcony, enjoy views across the resort's lagoon-style pool toward the Gulf, including southwest-facing sunset views. From the primary bedroom, the perspective shifts southeast along Panama City Beach's coastline, offering Gulf and sunrise views from the opposite side of the residence. Inside, coastal decor and LVP flooring throughout create a bright, cohesive interior. The primary bedroom includes a king-size bed and large flat-screen TV. The living room features a new U-shaped, deep-seated pullout sofa and large flat-screen TV. The kitchen is finished with granite countertops and stainless steel appliances, while a front-loading stackable washer and dryer provides in-unit laundry. The HVAC system was replaced in 2020, and the water heater was replaced in 2021. Documented rental income paid to the owner after management totaled $35,284.13 in 2024 and $30,135.85 in 2025. Completed stays through September 29, 2026, generated $27,818.74 after management and before other ownership expenses. Dolce Vita Getaways has also provided a projected annual rental revenue of $44,100, with an estimated range of $35,500 to $54,400 before management fees and ownership expenses. Past performance and projections are provided for informational purposes only and are not guarantees of future rental income. Shores of Panama Resort features one of the largest Gulf-front lagoon-style pools in Panama City Beach. The zero-entry tropical pool includes palm-lined islands, fountains, a spacious hot tub, and direct access to the resort's beachfront area. Additional amenities include an indoor heated pool and hot tub, a 24-hour fitness center, and a seasonal poolside Tiki bar. Located in the heart of Panama City Beach, Shores of Panama places dining, shopping, attractions, and entertainment nearby. Pineapple Willy's is adjacent to the resort, while Laketown Wharf directly across the street offers a variety of dining, retail, and entertainment options including Wharf Seafood Buffet, The Candymaker Ice Cream Shop, PCB Pizza, In Cahoots, The Press, The Bun Lab, 810 Billiards & Bowling, salon services, and more. Additional Panama City Beach attractions and entertainment venues include Dolly Parton's Pirates Voyage Dinner & Show, Topgolf, McGuire's Irish Pub, and Tootsie's Orchid Lounge. HOA dues are $3,147.62 per quarter. All information, rental income, projections, HOA fees, assessments, measurements, and property details are deemed reliable but not guaranteed; buyer to verify if important.

9900 S Thomas Dr Unit 2126, Panama City Beach

Listing courtesy of Coldwell Banker Realty.

$365,000

4 Beds ⋅ 2 Baths ⋅ 1013166 MLS

Situated on a half-acre of prime property on the desirable west end, this home is tucked away on a quiet street and offers space, privacy, and incredible outdoor living. This home features frame additions and are complemented by a detached two-car garage/workshop, while the entire property is fully fenced in. Enjoy outdoor living at its best with nearly 1300 square feet of porch including a large covered front porch, a covered back porch, and an expansive open deck featuring built-in seating--perfect for grilling and entertaining. The backyard is designed for fun and relaxation, complete with a circular above-ground pool, and pool house. Inside, the kitchen is equipped with stainless steel appliances ideal for cooking enthusiasts.

22222 Inlet Beach Dr, Panama City Beach

Listing courtesy of Rosemary Beach Realty LLC.

101 Cain Rd Unit UNIT H, Panama City Beach

$209,900

1 Baths ⋅ 1013165 MLS

Owner Financing Available With Acceptable Terms! This first floor condo (NO Stairs to Climb) located at Pirate's Cove offers affordable living just steps to the water. This quaint community offers beautiful views of Lake Powell where you can enjoy a day of jet skiing, kayaking and paddleboarding all the way to the gulf. There is also a pier for a day of fishing, a boat launch and two community pools, one of which is directly off of the patio and the other overlooks the lake. This cozy, first floor studio unit comes fully furnished and will be perfect for a rental or to call home. At Pirate's Cove, you are just a short commute to the beach, Camp Helen State Park and great shopping, dining and attractions that 30A and Panama City Beach offer. Don't miss out on this opportunity to own an affordable piece of paradise. Buyer to verify all information deemed important.

101 Cain Rd Unit UNIT H, Panama City Beach

Listing courtesy of Own It Real Estate LLC.

8485 Dreams Float Court, Panama City Beach

$394,900

2 Beds ⋅ 2 Baths ⋅ 796177 MLS

Discover this perfect FULLY FURNISHED/TURNKEY Camellia Cottage in Phase 5 of the 55+ Latitude Margaritaville Watersound -- ideally positioned on one of the rarest and most desirable lots in the community and just minutes to the Town Center and incoming Publix. This home faces a wide, peaceful green space and natural preserve, offering privacy, quiet mornings, and the kind of view relocation buyers dream of when moving to Latitude and a rare find for a small cottage. This home is being sold fully furnished, turnkey and move-in ready -- including pots, pans, dishes, linens, décor, and high-end Ashley and Rooms To Go furniture. With an accepted offer, the GOLF CART also conveys, making your transition effortless from day one. All appliances convey: washer, dryer, refrigerator, range, microwave, and dishwasher. Thoughtful upgrades add comfort and convenience throughout: -Epoxy garage floor -Designer lighting and fans - Recessed lighting in kitchen - great room, dining, and porch - 20-amp garage outlet for golf cart charging - High-mounted TV jacks at lanai and great room - GFI outlet at porch - Pocket door from primary bedroom to bath - Whole-house faux wood blinds - 12'' cabinet above refrigerator - Kitchen cabinet crown molding - Single-mount kitchen sink with soap dispenser. This lot quality, turnkey furnishings, included golf cart, and lifestyle value make this home an exceptional opportunity for relocation buyers seeking a smooth, stress-free move. Enjoy preserve views from your lanai, host friends in your beautifully furnished great room, and cruise to the Town Center the moment you arrive -- this home delivers the easy, breezy Margaritaville lifestyle without the wait, without the hassle, and without needing to lift a finger. With the Publix underway and many businesses already open, this cottage is just minutes to the retail that is coming to life. Latitude Margaritaville Watersound is the premier 55+ community with literally unmatched private amenities in the area to include a resort style pool, restaurant, 3 bars, state of the art fitness center, dog park, dog spa, woodworking, pottery, full size theatre, pickleball, bocce, tennis, basketball, cornhole, pool table, table tennis and live music 7 DAYS A WEEK and events, groups and clubs galore. You're going to love it here!

8485 Dreams Float Court, Panama City Beach

Listing courtesy of Bob Hodges And Sons Realty.

17757 Front Beach Road Unit 1406D, Panama City Beach

$395,000

1 Beds ⋅ 2 Baths ⋅ 796171 MLS

On the beautiful west end of Panama City Beach, Celadon is a great complex with amenities that create a great beach get away. Enjoy stunning views from the balcony, enjoy the pools and hot tubs, or enjoy the beach only steps from the elevator.

17757 Front Beach Road Unit 1406D, Panama City Beach

Listing courtesy of Coldwell Banker Realty.

8743 Thomas Drive Unit 1222, Panama City Beach

$339,000

1 Beds ⋅ 2 Baths ⋅ 796161 MLS

Gulf-front condo at The Summit Beach Resort in Panama City Beach! This well-located unit offers beautiful Gulf views and direct access to the white-sand beach from one of PCB's established beachfront resorts. The Summit is a 15-story complex on Thomas Drive, close to restaurants, shopping, entertainment, and popular area attractions. Resort amenities include multiple pools, hot tubs, a fitness center, tennis and basketball courts, shuffleboard, saunas, on-site dining, a convenience/gift shop, and direct beach access. The condo offers a functional layout with a private balcony overlooking the Gulf, making it a great option for a primary residence, second home, or vacation-rental investment. Enjoy incredible sunsets, easy beach access, and the convenience of resort-style amenities right outside your door. The Summit's central Thomas Drive location keeps you close to everything Panama City Beach has to offer while still giving you the full beachfront experience.

8743 Thomas Drive Unit 1222, Panama City Beach

Listing courtesy of Fun Quest Vacation Rentals Corp.

$299,000

3 Beds ⋅ 2 Baths ⋅ 796135 MLS

Solid brick home, even better neighborhood, and a great opportunity in Panama City Beach's established Woodlawn community. Located at 306 Carolyn Avenue, this 3-bedroom, 2-bath home offers approximately 2,012 square feet of heated and cooled living space, plus an additional approximately 350 square feet in the enclosed sunroom/Florida room that is not included in the reported heated and cooled square footage. Inside, the functional single-story layout includes an open kitchen with breakfast bar, living and dining areas, a dedicated office or study, and flexible bonus space in the enclosed sunroom. The home provides a generous footprint for a buyer looking to update, renovate, personalize, or add value over time. Situated on an approximately 0.23-acre lot, the property features an established yard with irrigation and room for outdoor entertaining, gardening, pets, or future improvements. The Woodlawn neighborhood adds to the appeal with access to a community public boat launch area, while nearby JDF Marina offers added convenience for boat storage, slips, rentals, and access to area waterways, Shell Island, and the Gulf. Enjoy a central Panama City Beach location near beaches, boating, fishing, shopping, dining, entertainment, and everyday conveniences. Whether you are searching for a primary residence, second home, renovation project, or Panama City Beach investment opportunity, 306 Carolyn Avenue offers flexible space, boating access, and potential in a desirable established neighborhood.

306 Carolyn Avenue, Panama City Beach

Listing courtesy of Corcoran Reverie.

9900 S Thomas Dr Unit 1911, Panama City Beach

$365,000

2 Beds ⋅ 2 Baths ⋅ 1013101 MLS

Positioned on the 19th floor of Shores of Panama, Unit 1911 presents an exceptional opportunity for investors seeking a Gulf-front vacation rental in the heart of Panama City Beach. This beautifully maintained condo offers unobstructed southern-facing views of the resort's expansive lagoon-style pool and the sparkling Gulf waters, creating an ideal setting for attracting vacation renters and maximizing the appeal of a short-term rental property. The spacious open-concept floor plan provides a comfortable and inviting environment for guests, with tile flooring throughout the main living areas and a private balcony where guests can relax while enjoying panoramic views of the resort and Gulf. The well-appointed kitchen features granite countertops, modern appliances, and a functional layout that makes preparing meals and entertaining convenient. The condo's two bedrooms plus a dedicated bunk room provide flexible accommodations for families and groups, while both the bedroom and bunk room feature private full bathrooms. A full-size stacked washer and dryer add another valuable convenience for vacation guests and owners. From an investment perspective, Unit 1911 combines several features that can make a Gulf-front vacation rental highly desirable, including its high-floor location, direct Gulf views, resort setting, beach access, and family-friendly accommodations. Guests also have access to an extensive collection of on-site amenities designed to create a complete vacation experience without leaving the property. Shores of Panama features a spectacular Gulf-front lagoon-style pool complete with waterfalls and bridges, along with a heated indoor pool, hot tub, and outdoor Jacuzzi. Guests enjoy private beach access, beachfront water sport rentals, and convenient dining and refreshment options including a poolside tiki bar, on-site tiki grill, and coffee and donut shop. Additional resort conveniences include a covered parking garage, 24-hour fitness center, meeting and event space, picnic and grilling areas, and complimentary Wi-Fi throughout the property. For investors, the combination of Gulf-front location, resort amenities, spacious guest accommodations, private balcony, and sought-after Panama City Beach location provides a compelling foundation for a vacation rental property. The layout is well suited for families and groups, while the resort environment offers the amenities and experiences that can help make a property attractive to short-term vacation guests. Whether you're looking to expand a vacation-rental portfolio, purchase a second home with rental potential, or own a Gulf-front property that can generate rental income when you're not using it, Unit 1911 offers the views, accommodations, location, and resort lifestyle that make Shores of Panama a recognizable destination in Panama City Beach. Unit 1911 is a Gulf-front investment opportunity that combines impressive views, strong guest appeal, and the convenience of a full-service resort setting.

9900 S Thomas Dr Unit 1911, Panama City Beach

Listing courtesy of Compass.

Panama City Beach Homes under $400,000

Newest Panama City Beach Homes under $400,000