Panama City Beach Homes with Bayfront Waterfront Features

Panama City Beach Homes with Bayfront Waterfront Features

Welcome to Panama City Beach, Florida, a stunning coastal paradise nestled in Bay County, renowned for its pristine white-sand beaches and emerald-green waters. This vibrant city is not just a vacation hotspot; it’s a thriving community that offers a perfect blend of relaxation, adventure, and a fantastic lifestyle. Whether you’re strolling along the scenic beachfront or indulging in fresh seafood at a local restaurant, Panama City Beach captivates with its charm and beauty.

One of the most alluring aspects of this coastal gem is its exquisite waterfront properties. Homes with bayfront features are a true treasure, providing residents with breathtaking views and direct access to the tranquil waters of St. Andrew Bay. Imagine waking up to the gentle sound of waves lapping against the shore, with the sun rising over the horizon, casting a golden glow on your private slice of paradise. These homes often come equipped with spacious decks, private docks, and expansive windows that frame the picturesque scenery.

Living in a bayfront home not only offers a serene escape but also a myriad of recreational opportunities. Kayaking, paddleboarding, and fishing become part of your daily routine, allowing you to immerse yourself in the natural beauty that surrounds you. The vibrant community is also close to local attractions, shopping, and dining, ensuring that you are never far from the excitement.

Embrace the coastal lifestyle in Panama City Beach, where your dream home awaits, complete with stunning bayfront views and endless opportunities for adventure. Discover the magic of living by the water today!

Newest Panama City Beach Homes with Bayfront 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.

$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.

$579,000
3 Beds ⋅ 3 Baths ⋅ 795048 MLS
The door opens and the room does something most rooms don't -- it goes up. Eleven-foot ceilings lift the whole space, and the light that comes with them is bay light: wide, moving, a little different every hour. This is the top of Marina Landing, and from up here St. Andrews Bay isn't a view you go looking for. It's simply there, in every window, in every room. Mornings start slow. Coffee on the balcony while the water is still glass and the first boats ease out of the marina below. By ten the bay has picked up its chop and its color, and the light comes off it and onto your ceilings in a way you'll catch yourself watching from the kitchen. Afternoons belong to the water -- paddle board, boat, or the long walk down to the pier. Three bedrooms and three full baths mean the people you love can actually stay. Guests wake up to the same bay you do. Grandkids claim the balcony. The primary suite faces the water, so the last thing you see at night and the first thing you see in the morning is the bay, quiet and lit. The 1916-square-foot floor plan lives large without feeling cavernous -- the height does that. The kitchen opens to the living space so no one is cooking alone. 685 square feet of balcony wraps the living areas, wide enough for a real table, a grill, and chairs that don't get folded up and put away. The building's amenities -- gym, owner's party area, private pier, boat slips available to lease next door -- sit just downstairs. Marina Landing is a residential waterfront community, not a rental building. No vacation rentals, six-month minimum lease. That's why the halls are quiet and the neighbors know your name. Penthouses in this building don't come up often, and eleven-foot ceilings with bay views from every window is a combination you can't renovate your way into. This one is pristine and ready for you. Come see what the light does at five o'clock.

6422 W Highway 98 Unit 1406, Panama City Beach

Listing courtesy of Real Broker LLC.

$665,000
3 Beds ⋅ 3 Baths ⋅ 794884 MLS
**LIVE WHERE THE BAY MEETS THE GULF.** Welcome to 2330 Pelican Bay Ct, an exceptional waterfront townhome offering an elevated coastal lifestyle with breathtaking views overlooking St. Andrews Bay and the harbor. Located in the desirable Pelican Bay community, this spacious 3-bedroom, 2.5-bath residence offers 2,357 square feet of beautifully proportioned living space, a private 2-car garage, and an extraordinary setting for those who appreciate life on the water. From the moment you arrive, the peaceful waterfront setting makes an impression. Inside, the generous floor plan offers an effortless blend of comfort and sophistication, with spacious living areas designed to take advantage of the beautiful surroundings. Natural light fills the home while the bay and harbor views create a stunning backdrop for everyday living. Step outside and embrace the boating lifestyle that makes this property truly special. **St. Andrews Bay provides access through St. Andrews Pass to the Gulf of Mexico and Shell Island**, putting some of the area's most beautiful waters, beaches, and boating destinations within easy reach. For boat owners, convenience doesn't get much better--you can **keep your boat right outside your unit on an anchor buoy**, and the community's **private dock provides a convenient place to load and unload** before heading out on the water. Imagine starting your morning with coffee overlooking the bay, heading out by boat for an afternoon at Shell Island, then returning home to enjoy the sunset from your waterfront porch. This is coastal living designed around the water. The spacious primary suite provides a peaceful private retreat, while two additional bedrooms offer flexibility for family, guests, a home office, or hobbies. Thoughtful improvements provide added comfort and peace of mind, including a new roof and porch in 2019, AC and water heater replaced in 2020, new dishwasher in 2021, and fresh exterior paint completed in 2026. A **2-car garage** adds exceptional convenience and storage for vehicles, bikes, paddleboards, beach equipment, and everything needed to enjoy the Florida coastal lifestyle. Beyond your doorstep, Pelican Bay offers a welcoming community atmosphere with a **clubhouse and pool**, providing the perfect place to relax, entertain, or spend a sunny afternoon close to home. The HOA fee is $1,713 semi-annually. Rentals are permitted with a minimum one-year lease, creating a desirable residential atmosphere while offering flexibility for those seeking a full-time residence, second home, or long-term investment. And the location puts you close to everything that makes Panama City Beach special. Enjoy the sugar-white beaches and emerald waters of the Gulf, along with outstanding restaurants, shopping, entertainment, fishing, boating, and outdoor recreation--all while coming home to the peaceful beauty of your own waterfront retreat. **2330 Pelican Bay Ct is more than a home--it's a front-row seat to the water, a gateway to the Gulf, and an invitation to experience Panama City Beach at its finest.**

2330 Pelican Bay Court, Panama City Beach

Listing courtesy of Anchor Realty Florida.

$370,000
2 Beds ⋅ 2 Baths ⋅ 794568 MLS
Luxury Waterfront Condo at Marina Landing! Paradise awaits in this beautifully appointed 2-bedroom, 2-bath residence at the highly sought-after Marina Landing. With two private master suites, each featuring waterfront views and balcony access, the split floor plan provides both comfort and privacy. The expansive floor-to-ceiling sliders open to a massive balcony where you can enjoy breathtaking water views from every room. Lithium powered blinds for sliders in living room to provide shade, all main and wet areas tile. The balcony also includes a built-in grill, perfect for outdoor entertaining. Interior highlights include: New air conditioning system 2026, Dishwasher and Fridge 2022, Water heater 2018 with washer and dryer. Recessed lighting, newer faucets, fixtures and hardware unit's interior freshly painted all neutral. Resort-style amenities at Marina Landing include: Private deep-water marina available for boat owners with quick access to the Gulf Stunning bayfront pool and hot tub Fitness center and conference room Exterior owner storage closet. The Landing has recently completed a resurfacing of the main exterior portions of the building giving the building a fresh exterior elevation Covered assigned parking space (#3), first floor ramp parking visible from front balcony all extraordinary for convenience. This is more than a condo--it's a lifestyle. Don't miss your opportunity to experience the very best in waterfront living.

6422 W Highway 98 Unit 705, Panama City Beach

Listing courtesy of Keller Williams Success Realty.

$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.

$375,000
2 Beds ⋅ 2 Baths ⋅ 794041 MLS
Welcome to Marina Landing Unit 1104, a beautifully positioned 2-bedroom, 2-bathroom waterfront condominium offering approximately 1,384 square feet of coastal living in Panama City Beach. Set along the marina side of the building, this residence captures the relaxed elegance of bayfront living with beautiful views of St. Andrews Bay, passing boats, coastal sunsets, and the peaceful waterfront lifestyle Marina Landing is known for. The open-concept floor plan is designed to maximize natural light and showcase the surrounding scenery, with spacious living and dining areas that flow seamlessly to the private balcony. Whether enjoying morning coffee, watching boats move through the marina, or winding down after a day on the water, the outdoor living space adds exceptional value to the home. The kitchen offers generous workspace and opens beautifully to the main living area, creating an ideal layout for entertaining, everyday living, or hosting guests. The primary suite provides a private retreat with spacious accommodations, balcony access, and water-view appeal, while the guest bedroom and second full bathroom offer comfort and flexibility for family, visitors, or long-term rental use. Marina Landing delivers a desirable waterfront experience with community amenities that may include a private fitness center, owners' clubroom, private pier, assigned parking, storage, and convenient access to the marina lifestyle. The nearby marina offers opportunities for boating, boat slip access, boat club options, docking services, and direct access toward the Gulf inlet. Located along West Highway 98, Marina Landing places owners close to St. Andrews Bay, the Gulf beaches, restaurants, shopping, marinas, entertainment, and the best of Panama City Beach. With no short-term rentals and a six-month minimum lease policy, the community offers a quieter residential feel while still providing access to the coastal lifestyle buyers are looking for. Do not miss the opportunity to own a spacious waterfront condo in one of Panama City Beach's most desirable marina-side communities. Schedule your private showing today.

6422 W Highway 98 Unit 1104, Panama City Beach

Listing courtesy of Portfolio Property Manangement Group LLC DBA Dunn Realty At Panama City.

$715,000
3 Beds ⋅ 4 Baths ⋅ 793834 MLS
Dreaming of bayfront luxury without the million-dollar price tag? This premium corner end-unit is the one! Offering a rare combination of privacy, space, & sunrises that steal the show, this exceptional townhome features extra side windows that flood the open-concept layout with continuous natural light. Positioned on the largest lot in the community with +/-45 feet of waterfront, it is uniquely bordered by a protected conservation area, giving you unmatched privacy & a peaceful sanctuary where you can watch dolphins, eagles, & deer right from your deck. Nestled in a quiet, non-short-term-rental community zoned for top-rated Patronis Elementary, it is the perfect sanctuary for primary residents, paddle-sport enthusiasts, or those seeking a peaceful waterfront getaway. Enjoy easy waterfront living with a tiled balcony, a screened back porch, a hurricane shutter system, remote blinds, & private bulkhead stairs offering direct water access to launch your kayak or paddle board. This turnkey home is built for peace of mind & low maintenance, featuring a brand-new 2025 upstairs HVAC, a 2024 water heater, new impact family room windows, a 2019 roof, & fresh exterior paint. Located on the quieter end of Panama City Beach, you are just minutes from great dining & shopping. Premium community amenities include two docks, a pool, a hot tub, a clubhouse, & a scenic boardwalk, with lawn care & termite control covered by the HOA. Perfect as a primary residence or second home. Check measurements if important to you. Measurements are from the tax appraiser site.

2340 Pelican Bay Court, Panama City Beach

Listing courtesy of Central Bay Realty and Property Management LLC.

$1,299,000
3 Beds ⋅ 2 Baths ⋅ 793326 MLS
Once-in-a-Lifetime Waterfront Opportunity on Moonlight Bay Drive! Experience breathtaking waterfront living with some of the widest water views available in all of Panama City Beach! Situated on an impressive 200-foot-deep waterfront lot, this exceptional contemporary style home offers the perfect combination of luxury, comfort, and an unbeatable location. Boaters will appreciate the reinforced seawall, brand-new 100-foot dock, and covered boathouse, making this property ideal for enjoying life on the water. The home also features a private well for the irrigation system, helping maintain the beautifully landscaped grounds with ease. Freshly updated inside and out with new interior and exterior paint, this meticulously maintained residence showcases new tile floors and existing beautiful wood engineered flooring, with comfortable New Berber carpet in the primary and guest bedrooms. Soaring 10- and 12-foot ceilings, architectural columns, and elegant transom windows create a bright, open atmosphere filled with natural light. The spacious primary suite is a true retreat, featuring a luxurious custom bathroom with a frameless glass walk-in shower, private water closet, and an oversized walk-in closet complete with custom shelving. Both guest bedrooms also offer oversized closets with abundant storage. The heart of the home is the spectacular new custom kitchen, thoughtfully designed for the culinary enthusiast. Features include an oversized island and countertop workspace, custom lighting, glass-front cabinetry, double double ovens (four ovens total), matte black fixtures and hardware, and exceptional storage. A large pantry and dedicated laundry room provide even more functionality. Additional upgrades and features of the home include: Deep cleaning of the a/c ductwork throughout the home Epoxy Coating on the spacious two-car garage All new 200-amp electrical service Matte black plumbing fixtures and hardware throughout Enclosed Florida room overlooking the water Multiple 8-foot sliding glass doors that seamlessly connect indoor and outdoor living Whether you're relaxing in the Florida room, entertaining guests, or heading out for a day on the water, this home offers an unmatched waterfront lifestyle. Rarely does an opportunity like this become available. Don't miss your chance to own one of the finest waterfront properties on Moonlight Bay Drive with panoramic water views that truly have to be seen to be believed!

334 Moonlight Bay Drive, Panama City Beach

Listing courtesy of RC Real Estate Group.

$199,900
1 Beds ⋅ 1 Baths ⋅ 793110 MLS
**NEW PRICE $199,900 | WATERFRONT | DIRECT GULF ACCESS | BRING YOUR BOAT!** Now offered **under $200,000!** Discover waterfront living at **6568 Harbour Boulevard** in the gated Harbour Towne community of Panama City Beach. This updated one-bedroom townhome combines modern interior improvements with **direct canal access to the Gulf of Mexico and the ability to add a private boat lift**, subject to applicable HOA requirements and permitting. Inside, you'll find new tile flooring throughout, updated kitchen appliances, new kitchen cabinetry, and new bathroom cabinetry, creating a fresh, contemporary interior that's ready to enjoy. The flexible floor plan provides additional space for guests, a home office, or expanded living. Step outside to your waterfront setting and enjoy direct access to the area's waterways. Add a private boat lift and enjoy convenient access for boating, fishing, kayaking, trips to Shell Island, or an evening cruise. The outdoor space offers canal views and an opportunity to enjoy the waterfront setting right from home. Harbour Towne is a gated community offering **two swimming pools and pickleball courts**, with a community pool conveniently located directly across from the property. **Long-term rentals are permitted**, providing additional flexibility for ownership and investment use. **PROPERTY HIGHLIGHTS** • **NEW PRICE -- $199,900** • Updated one-bedroom waterfront townhome • Direct canal access to the Gulf of Mexico • Private boat lift allowed, subject to HOA requirements and applicable permitting • Waterfront outdoor space with canal views • Flexible interior space for guests, office, or additional living area • New tile flooring throughout • Updated kitchen appliances • New kitchen cabinetry • New bathroom cabinetry • Gated Harbour Towne community • Two community swimming pools • Pickleball courts • Community pool conveniently located directly across from the property • Long-term rentals permitted • Convenient Panama City Beach location **WATERFRONT. GULF ACCESS. UNDER $200K.** At **$199,900**, 6568 Harbour Boulevard offers an opportunity to own an updated waterfront property with direct Gulf access in Panama City Beach. Bring your boat and discover the Harbour Towne waterfront lifestyle.

6568 Harbour Boulevard Unit 5, Panama City Beach

Listing courtesy of Think Real Estate.

$342,000
3 Beds ⋅ 3 Baths ⋅ 792841 MLS
THREE BEDROOMS. THREE BATHROOMS. BAYFRONT LIVING ON THE QUIETER SIDE OF PANAMA CITY BEACH. Magnolia Bay Club Unit 404 is a freshly painted three-bedroom, three-bathroom residence offering a split floor plan, large bayfront balcony, and central fourth-floor position overlooking St. Andrews Bay with views toward the Hathaway Bridge. Professionally deep cleaned and move-in ready, the interior features wood flooring throughout the main living areas, tile flooring in the kitchen, hallway, and bathrooms, and an open-concept layout with space for a dining table. The kitchen includes stainless steel appliances, ample workspace, and a direct connection to the living area, while the washer and dryer are also included. The spacious primary suite features sliding glass door access to the balcony, along with a large bathroom offering a double vanity and walk-in shower. The seller is replacing the fogged glass panel in the primary bedroom window and door assembly prior to closing. The split-bedroom design creates additional separation between sleeping areas. The guest bedroom on the right includes a pocket door, allowing it to function as a bedroom, home office, or flex space. The guest bedroom on the left has its own private full bathroom with double vanities, creating a true second suite. The living room opens through sliding glass doors to the large balcony, where the fourth-floor position provides sunrise views across the bay, illuminated nighttime views of the Hathaway Bridge, and the sound of the water along Magnolia Bay Club's private bay beach below. Fourth-floor residences also feature a solid balcony wall rather than metal railings, providing additional privacy and a greater sense of security. The enclosed design may be especially appealing to owners with small pets because there are no railing openings. Magnolia Bay Club is a gated bayfront condominium community with no short-term rentals permitted. Community amenities include a bayfront pool, private beach, dock, kayak access, fitness center, meeting room, BBQ grills, dumpster service, and maintained common grounds. The property is located approximately one mile from Publix and approximately three miles from the beaches of Panama City Beach. Monthly condominium association dues are currently $1,066.64 and include water, sewer, trash service, pest control, and maintenance of the common areas. Unit comes with an assigned covered parking space (E-77). All information is deemed reliable but not guaranteed; buyer to verify if important.

2400 Grandiflora Boulevard Unit E404, Panama City Beach

Listing courtesy of Coldwell Banker Realty.

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