Panama City Beach Homes with Bay Waterfront Features

Panama City Beach Homes with Bay Waterfront Features

Welcome to Panama City Beach, Florida – a stunning coastal paradise that perfectly blends serene natural beauty with vibrant beach life. Nestled along the Gulf of Mexico, this picturesque destination is renowned for its stunning white-sand beaches, crystal-clear waters, and a plethora of outdoor activities. Whether you’re looking to soak up the sun, enjoy thrilling water sports, or explore the charming local shops and restaurants, Panama City Beach has something for everyone.

One of the most enchanting features of this area is its beautiful homes with bay waterfront features. Imagine waking up every morning to breathtaking views of the shimmering bay, where the sun casts a golden glow across the water. These waterfront properties offer the perfect sanctuary for those who appreciate nature's beauty and desire a lifestyle infused with tranquility. With direct access to the bay, residents can indulge in kayaking, paddleboarding, or simply unwinding on their private docks while watching the sunset paint the sky in vibrant hues.

The real estate market in Panama City Beach is thriving, with a variety of homes that cater to diverse tastes and budgets. From charming beach cottages to luxurious waterfront estates, there’s a perfect home waiting for you. With the allure of bayfront living, you can enjoy both the excitement of beach life and the peacefulness of waterfront views.

Discover the magic of Panama City Beach and let your dream of bayfront living become a reality. Embrace a lifestyle where every day feels like a vacation in this beautiful slice of paradise!

Newest Panama City Beach Homes with Bay Waterfront Features

$350,000
3 Beds ⋅ 3 Baths ⋅ 1007951 MLS
Wake up each morning to peaceful bay views and end your evenings watching spectacular sunsets paint the sky over the water. Welcome to Unit E407 at Magnolia Bay Club, where resort-style living meets the laid-back coastal lifestyle that makes Panama City Beach so special. This beautifully appointed, fully furnished three-bedroom, three-bath residence is designed for effortless living, whether you're looking for a full-time home or the perfect weekend retreat. Freshly updated with new furnishings, new appliances, fresh paint, and a move-in-ready interior, the home allows you to spend less time preparing and more time enjoying everything the waterfront has to offer. Life at Magnolia Bay Club is about more than the home itself. Spend your afternoons relaxing by the waterfront pool, launching a paddleboard or kayak from the community dock, casting a line at sunset, or simply enjoying the tranquil beauty of St. Andrews Bay. Golf enthusiasts will appreciate the nearby championship courses, while boaters will love the close proximity to Pointe South Marina and quick access to Shell Island and the Gulf waters. When you're ready for the beach, Panama City Beach's famous sugar-white sand and emerald waters are just minutes away. You'll also be surrounded by some of the area's favorite waterfront restaurants, shopping, entertainment, and outdoor adventures, creating the perfect balance of peaceful waterfront living and vibrant coastal convenience. Unit E407 isn't just a place to live.

2400 Grandiflora Blvd Unit UNIT E407, Panama City Beach

Listing courtesy of Keller Williams Success Realty.

$625,000
3 Beds ⋅ 3 Baths ⋅ 1007924 MLS
This extraordinary waterfront end unit condo, nestled in the exclusive gated Waterhaven community, right on St. Andrew's Bay, is a true haven! Meticulously maintained, this spacious one level floor plan, with its rich hardwood flooring throughout the main areas, stunning granite countertops, exquisite cabinetry, a gas range, and a kitchen island perfect for entertaining large groups, is a dream come true! Let's not forget that breathtaking view, which can be enjoyed from the kitchen, living and dining areas, along with the Master Bedroom! Now, can you envision yourself sitting on your expansive deck, sipping your morning coffee, watching the sun rise over the water, and being greeted by dolphins? Or strolling along the community dock and being whisked away by boat for a five-minute ride to Shell Island? Better yet, having the luxury of choosing between lounging by the Bay front pool or the Bay front beach? There's also a launch point for kayaks and stand-up paddle boards! This incredible community offers a state-of-the-art fitness center and an Owner's Club for your enjoyment. And the best part? This location is unbeatable! All your favorite local restaurants are just a five-minute drive away, and the pristine white sandy beach is only seven minutes away! When it comes to serene living, this community has it all! When it comes to water activities, it's a paradise! When it comes to being close to everything yet feeling like you're in your own world, it's the ultimate retreat! Whether a full time residence or a vacation home, come and experience the rare combination of luxury, tranquility and waterfront beauty-all in one exceptional residence! Welcome home!

4113 Cobalt Cir Unit PO73, Panama City Beach

Listing courtesy of Carillon Realty Inc.

$1,499,000
3 Beds ⋅ 3 Baths ⋅ 1005667 MLS
Overlooking West Bay with unobstructed water views, this custom-built residence is set on a premium 0.76-acre corner waterfront homesite with paved road access. The beauty of the setting extends indoors, where designer finishes and thoughtful details create a refined coastal home that feels both elevated and inviting. The kitchen serves as the centerpiece of the home, anchored by a Venetian plaster hood, Hallman Majestic gas range, quartz countertops, clay tile backsplash, open cypress shelving, and a dining nook featuring built-in bench seating with storage. A striking cypress beam connects the kitchen and living area, where a Venetian plaster fireplace serves as a focal point against a backdrop of sweeping water views. The primary suite serves as a true retreat and features scenic water views. The adjoining bath features Carrera marble finishes, polished nickel fixtures, an oversized glass shower and a freestanding soaking tub. Dual custom closets, including a dressing area with built-in vanity complete the suite. The expansive screened porch, complete with a gas fireplace, provides a breathtaking setting to relax and take in the views of West Bay. Thoughtfully designed landscaping complements the home's natural surroundings, with ample room for a future pool or addition. Additional features include an elevator, impact-rated windows, EV charging station, whole-home Generac generator, and finished split garages with abundant storage. RiverCamps offers a lifestyle unlike any other along the Emerald Coast. This private, gated waterfront community is bordered by West Bay and Crooked Creek, providing direct boating access to Shell Island and the Gulf. Residents enjoy dry boat storage, a community boat launch and day-use slips, a resort-style pool and pavilion, a 600-foot pier, miles of scenic trails and boardwalks, and a fitness center coming soon. Ideally located just minutes from Northwest Florida Beaches International Airport, Pier Park, and the area's white-sand beaches.

7509 Morning Marsh Trl, Panama City Beach

Listing courtesy of 1 Percent Lists Florida Coast.

$295,000
1002394 MLS
Positioned along the waterfront in the sought-after RiverCamps community, 6315 Turkey Cove Lane offers a rare opportunity to build a custom home on 1.6 acres, surrounded by protected natural beauty, mature oaks, and sweeping views toward West Bay. This premium homesite combines privacy, scale, and waterfront living within one of the most unique gated communities in the Florida Panhandle. Adding significant value for the next owner, the seller has already completed, survey, soil testing and an elevation certificate, helping streamline the building process and potentially saving both time and upfront costs. Custom home plans may also convey with the sale. RiverCamps is unlike any other community in the area, spanning roughly 1,500 acres bordered by Crooked Creek, West Bay, and the Intracoastal Waterway. Only 450 homesites are spread across approximately 500 acres, while the remaining 1,000 acres are dedicated to conservation. The result is a low-density, outdoor-focused community centered around nature, privacy, and waterfront living. Residents enjoy access to a waterfront pool, fitness center (under construction), boat ramp, day-use boat slips, dry boat storage, kayaks, paddleboards, walking trails, and the renowned RiverHouse (being re-developed) overlooking Crooked Creek. Conveniently located near Panama City Beach, Northwest Florida Beaches International Airport, and the beaches of 30A, RiverCamps offers a rare balance of seclusion and accessibility.

6315 Turkey Cove Ln, Panama City Beach

Listing courtesy of The Premier Property Group Seacrest Office.

$539,900
3 Beds ⋅ 3 Baths ⋅ 1001589 MLS
MOTIVATED SELLER BRING OFFERS. Experience elevated coastal living in this exquisite 3-bedroom, 3-bathroom Bayfront residence offering breathtaking panoramic views of St. Andrews Bay. Thoughtfully designed to capture the beauty of the water from nearly every vantage point, this exceptional condo features an expansive private balcony--an ideal setting for entertaining, relaxing with a glass of wine, or enjoying unforgettable sunsets overlooking the bay. Inside, the light-filled open-concept layout showcases refined finishes and spacious living areas designed for both comfort and style. Floor-to-ceiling sliding glass doors frame the water views and open seamlessly to the oversized balcony, creating a true indoor-outdoor living experience where the beauty of the bay becomes part of everyday life. The balcony also features a built-in grill, making it the perfect space for outdoor dining and entertaining. The thoughtfully designed split floor plan offers both privacy and functionality, highlighted by two private waterfront primary suites, each featuring stunning bay views and direct balcony access--creating peaceful retreats for owners and guests alike. Assigned parking spaces 9 and 81. New stove 23, HVAC system and water heater 2021, storage room in breezeway. The beautifully renovated kitchen combines modern elegance with everyday practicality, featuring black stainless appliances, a deep black undermount sink, and upgraded finishes that complement the home's contemporary coastal style. Recessed lighting throughout the residence enhances the bright, sophisticated atmosphere, while upgraded sliding doors with soft-touch rollers provide effortless access to the balcony. Residents of Marina Landing enjoy an exceptional array of resort-style amenities, including a stunning bayfront pool and hot tub, a well-appointed fitness center, and a conference room. Boating enthusiasts will appreciate the private deep-water marina with quick access to the Gulf. Additional conveniences include a private exterior owner storage closet and a covered assigned parking space (#), along with convenient first-floor ramp parking visible from the front balcony--offering rare ease and accessibility. This is more than a residence--it is a lifestyle defined by waterfront beauty, luxury comfort, and effortless coastal living. Don't miss the opportunity to experience the very best of bayfront living.

6422 W Hwy 98 Unit 1006, Panama City Beach

Listing courtesy of Keller Williams Success Realty.

$335,000
1000516 MLS
If you have never been out to the St. Joe community, Rivercamps on Crooked Creek, you will be mesmerized! Surrounded by 3 bodies of water, Crooked Creek, the Bay and the Intercoastal Waterway, this peaceful community is a nature enthusiast and boater's dream. Plenty of space and privacy and yet so close to all the conveniences one could want; only 15 minutes to the beach or Pier Park with over 100 stores, eateries and entertainment, 10 minutes to the airport and the planned new hospital and Publix also within 10 minutes. Build your dream home on this prime 1.29 acre waterfront end lot with beautiful Bay views. No other homes will be built in front, behind or on the east side. Rivercamps owners and guests enjoy world class amenities not found in any other community.

7503 Sunset Bay Ln, Panama City Beach

Listing courtesy of The Premier Property Group Seacrest Office.

$755,000
2 Beds ⋅ 2 Baths ⋅ 997655 MLS
Welcome to 425 Bay Shore Drive, Unit 11, a stunning bayfront residence in the heart of Panama City Beach, FL. This spacious 2,000 square foot home offers two bedrooms and two and a half bathrooms, providing ample space for comfortable living. The property features direct access to a marina and includes an assigned private boat slip, making it an ideal choice for boating enthusiasts. Enjoy breathtaking views and serene surroundings in this prime location. With its desirable amenities and prime waterfront position, this property presents a unique opportunity for those seeking a luxurious coastal lifestyle.

425 Bay Shore Dr Unit UNIT 11, Panama City Beach

Listing courtesy of Corcoran Reverie SRB.

$8,475,000
5 Beds ⋅ 10 Baths ⋅ 996848 MLS
Perched on 380 feet of pristine West Bay waterfront along the Northwest Florida Gulf Coast, Villa Chimera is the most extraordinary luxury estate in Panama City Beach. Spanning 9,473 sq. ft. across three expansive lots, this 5BR/6BA/4HB masterpiece was authentically modeled after an Italian Venetian Palazzo -- designed by architect Philip Spann from hand-sketched owner drawings inspired by Renaissance master Andrea Palladio. Every finish was sourced from Italy or crafted by world-renowned artisans: a hand-carved Italian marble fountain, cushion-cut marble walls, Venetian silk upholstery, a Rome-crafted stone dining table, and a Renaissance fresco ceiling hand-painted by artist Jody Matokovich. This is not simply a Gulf Coast luxury home -- it is a one-of-a-kind legacy estate. The soaring foyer commands immediate attention with its grand Schonbek crystal chandelier, custom compass rose marble floor inlay, and solid stone staircase with marble balusters. The great room overlooking West Bay features a marble fireplace, limestone accents, and walls upholstered in Bevilacqua silk -- made in Venice and renowned worldwide. A media room with a theater-size projection screen and theatrical lighting flows seamlessly from the living space. The gourmet kitchen features Wolf and Sub-Zero appliances, a breakfast bar, separate bar area, and a fully equipped butler's pantry for effortless large-scale entertaining. All cabinetry was custom-designed by Design Galleria of Atlanta. The dining room centers around a custom stone table crafted in Rome outside the Vatican walls, beneath Venetian watermark plasterwork evoking centuries of Palazzo history. The second-level master suite is a private sanctuary with bay views, a columned balcony, and a hand-painted Renaissance fresco vault ceiling. Separate his-and-hers bathrooms each feature heated floors and double showers with body jets. A detached guest house -- connected by covered walkway -- includes a full kitchen, sitting area, private veranda, and full bath. Smart home living is delivered via a full Crestron system controlling all lighting, media, and security. Additional highlights: Kohler 100KW whole-house generator, all-copper plumbing, 4-car garage with wheelchair lift, whole-house central vacuum, monitored security cameras, LED lighting throughout, and all windows and exterior doors replaced post-Hurricane Michael. A rare and irreplaceable Florida Gulf Coast waterfront estate -- schedule your private showing today.

3730 Preserve Bay Blvd, Panama City Beach

Listing courtesy of Christies International Real Estate Emerald Coast.

$1,100,000
5 Beds ⋅ 677818 MLS ⋅ Marina Landing BLDG.
Perched atop the 15th floor of Marina Landing, this extraordinary 5-bedroom, 4.5-bath penthouse delivers a lifestyle defined by elegance, comfort, and breathtaking panoramic views. Overlooking West Bay, Grand Lagoon, North Bay, and St. Andrews Bay, the vistas stretch endlessly--captivating from sunrise to sunset and visible from every room in the home. Walk out on to the expansive 145-total feet of beautiful and serene balcony water views to catch the dolphins frolicking below. Inside you will find a completely remodeled home with no expense spared, this residence showcases sophisticated upgrades throughout. The chef's kitchen features premium Viking appliances, gleaming quartz countertops, under cabinet lighting and upscale fixtures and finishes that elevate both style and function. Spacious living and dining areas flow effortlessly, framed by floor-to-ceiling windows that bring the beauty of the bay indoors. All windows throughout are equipped with motorized roller blinds. Each bedroom offers its own stunning outlook, creating a serene retreat for family and guests. 4 of the 5 bedrooms has a balcony for those relaxing moments to enjoy the weather, watching the boaters or just reading your favorite book. The spa-inspired bathrooms are beautifully updated, and the home includes exceptional storage both inside and out--an invaluable luxury in penthouse living. Additional highlights include two prime parking spaces and access to Marina Landing's impressive amenities: a well-equipped gym, meeting room, inviting lobby, and a sparkling pool and spa. Ideally located near downtown, top-rated restaurants, and the world-famous beaches of Panama City Beach, this penthouse blends convenience with coastal sophistication. A rare offering of quality, scale, and design--this is truly a must-see.

6422 Highway 98 Unit #1505, Panama City Beach

Listing courtesy of REMAX Select Partners.

$425,000
2 Beds ⋅ 3 Baths ⋅ 993452 MLS
WATERFRONT Bay Point Marina Club Village condo. This townhouse floor plan is two stories with high ceilings, double car garage, and massive decks overlooking the bay and grassy courtyard. Being an end unit and having no one above or below adds to the serenity. Each bedroom features a large bedroom and there is an additional half bath for guest. Kitchen features stainless Bosch appliances.

4620 Bay Point Rd Unit 30, Panama City Beach

Listing courtesy of Counts Real Estate Group Inc.

$1,150,000
992817 MLS
TRANQUIL BAYFRONT OPPORTUNITY | 101.1' OF WEST BAY FRONTAGE WITH GULF ACCESS Create your legacy home at 306 Moonlight Bay Drive, a rare bayfront homesite on the peaceful shores of West Bay in Panama City Beach. This buildable parcel offers 101.1 feet of bay frontage and features a fortified seawall already in place, providing shoreline protection and long-term value. Surrounded by a slow-moving saltwater marsh, the setting is serene and naturally beautiful. Located within a designated West Bay sector plan, the area's resources are preserved for the future. Enjoy a 25-minute boat ride to the turquoise waters of the Gulf of Mexico, while remaining close to shopping, dining, golf, and the white-sand beaches of Panama City Beach. Surrounded by a slow-moving saltwater marsh, the setting is serene and naturally beautiful. Located within a designated West Bay sector plan, the area's resources are preserved for the future. Enjoy a 25-minute boat ride to the turquoise waters of the Gulf of Mexico, while remaining close to shopping, dining, golf, and the white-sand beaches of Panama City Beach.

306 Moonlight Bay Dr, Panama City Beach

Listing courtesy of Linda Miller Real Estate LLC.

$14,000,000
927841 MLS
124 Acres on West Bay in Panama City Beach - ''The Oak Grove on West Bay''. Located on the east-side of Colony Club & Trieste neighborhoods & the Holiday Golf Course. Over 1,200 feet on West Bay with expansive views across the Bay. It is comprised of 3 parcels; A=59.9 Acres on West Bay, B=60.1 Acre interior parcel and C=4.4 Acre parcel on West Bay and accessed via Moonlight Bay Drive. The primary access is via the Clara Avenue extension, which is a 100' right of way, now paved close to the south property line. The site has been annexed into the City of Panama City Beach & zoned P.U.D. & Conservation. The highest-and-best use is residential &/or resort. Conceptual site plans, surveys and maps are attached. Call for detailed information & to setup a tour.

000 Clara Ave, Panama City Beach

Listing courtesy of Counts Real Estate Group Inc.

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