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

$215,000

1 Beds ⋅ 1 Baths ⋅ 793110 MLS

Updated Waterfront Retreat with Direct Gulf Access - 6568 Harbour Boulevard - Bring Your Boat Discover the perfect blend of modern updates and waterfront living at 6568 Harbour Boulevard. This beautifully updated one-bedroom waterfront unit offers the flexibility for additional sleeping accommodations, making it an ideal full-time residence, weekend getaway, or investment. property. Inside, you'll find a fresh, updated interior featuring new tile flooring throughout, updated kitchen appliances, new kitchen cabinetry, and new bathroom cabinets, creating a clean, contemporary feel that's move-in ready. Step outside and embrace the Florida boating lifestyle with direct canal access to the Gulf of Mexico. ADD a private boat lift and make getting on the water quick and effortless, whether you're heading out for world-class fishing, a sunset cruise, or a day at Shell Island. After a day on the water, unwind while enjoying peaceful canal views from your outdoor space. With its low-maintenance design and desirable waterfront location, this property offers the perfect balance of relaxation and adventure. Community pool and pickle ball courts conveniently located directly across the street. **Property Highlights:** * Beautifully updated one-bedroom waterfront unit * Flexible floor plan with potential for additional sleeping accommodations * New tile flooring throughout * Updated kitchen appliances * New kitchen cabinets * New bathroom cabinetry * Direct canal access to the Gulf of Mexico * Ideal for boating, fishing, kayaking, and waterfront recreation * Excellent opportunity as a primary residence, vacation getaway, or income-producing investment, long term rentals allowed Whether you're looking for a personal waterfront escape or an investment property with exceptional coastal appeal, **6568 Harbour Boulevard** offers the opportunity to enjoy the best of Florida's boating lifestyle with modern updates already in place.

6568 Harbour Boulevard Unit 5, Panama City Beach

Listing courtesy of Think Real Estate.

$348,000

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.

$320,000

1 Beds ⋅ 1 Baths ⋅ 792815 MLS

Wake up each morning to breathtaking views of Grand Lagoon from your private Balcony in this beautifully furnished one-bedroom, one bath condominium at the highly desirable Reflections at Bay Point Resort. This beautifully appointed residence features an open concept floor plan with granite countertops, stainless steel appliances. a breakfast bar, crown molding, tile flooring, and a luxurious oversized walk in tiled shower with glass doors. The spacious primary suite and elegant finishes create the perfect setting for a primary residence, vacation getaway or investment opportunity. Enjoy the exceptional amenities that make Reflections on of Bay Points premier destinations including a zero entry pool Serenity spa and marina access and gated community with security.

4100 Marriott Drive Unit 207, Panama City Beach

Listing courtesy of Corcoran Reverie.

$425,000

2 Beds ⋅ 2 Baths ⋅ 792570 MLS

Marina Landing #202 is a stunning, fully renovated 2-bedroom, 2-bathroom waterfront condominium offering approximately 1,400 square feet of interior living space plus an expansive 450 sq. ft. balcony overlooking beautiful St. Andrews Bay. Located on the marina side of the building, this residence offers breathtaking sunset views, dolphin and boat watching, and direct access to the waterfront lifestyle. The marina offers boat slips for lease, a private boat club with multiple boats and jet skis, full-service docking and cleaning, and direct access to the Gulf inlet. The beautifully renovated chef's kitchen features an oversized quartz island, custom stone accents, brand-new cabinetry, stainless steel appliances, and elegant gold hardware and fixtures. The open living area showcases panoramic bay views and a floor-to-ceiling stone fireplace with a new electric insert installed in 2024. Additional upgrades include LifeProof flooring throughout, a new water heater (2025), new thermostat (2026), fresh interior paint, updated smoke detectors, and spacious bedrooms with floor-to-ceiling windows, private balcony access, and beautiful sunrise views. Community amenities include a private fitness center, owners' clubroom, private pier, assigned premium parking space, and a large secure storage closet. The building has recently completed exterior painting and stucco restoration. Marina Landing is a peaceful waterfront community with no short-term rentals and a six-month minimum lease policy. Don't miss the opportunity to own one of Panama City Beach's most desirable waterfront residences. Call me to schedule your private showing!

6422 W Highway 98 Unit 202, Panama City Beach

Listing courtesy of Realty One Group Emerald Coast.

$459,000

792140 MLS

This nearly 3/4-acre vacant lot offers expansive, direct southeastern views of West Bay and stunning sunrises over the water. Located in the highly sought-after community of RiverCamps, this property is ready for you to design and build your custom dream home. RiverCamps is an exclusive, 1,500-acre gated waterfront community where 1,000 acres are dedicated to nature conservation, ensuring a quiet environment with less than 450 total homesites. The location offers the perfect balance of privacy and convenience, sitting just 10 minutes from the airport and 15 minutes from the famous white-sand beaches of Panama City Beach. As an owner, you will enjoy premium, resort-style amenities right in your neighborhood. The community features a boat ramp, day-use boat slips, and dry-boat storage for easy water access, alongside a fitness center and a zero-entry swimming pool. For outdoor enthusiasts, the neighborhood provides seven miles of hiking and biking trails, plus unlimited use of community kayaks, canoes, paddleboards, and bicycles.

7504 Loons Call Lane, Panama City Beach

Listing courtesy of The Premier Property Group.

$1,175,000

4 Beds ⋅ 3 Baths ⋅ 792030 MLS

Experience waterfront living in Bay Point with front-row seats to some of the most breathtaking sunrises on the bay. Built in 2023, this elevated coastal masterpiece captures panoramic water views from nearly every room and offers a rare opportunity to watch boats glide toward the lagoon and pass from your own 52-foot back deck. Designed for both relaxation and entertaining, the deck features a fully equipped outdoor kitchen with grill, sear station, sink, cabinetry, and sleek cable railing that keeps every inch of the view wide open. Inside, walls of oversized windows fill the home with natural light and create a seamless connection to the bay. The kitchen was thoughtfully designed as the heart of the home, showcasing an over 10-foot island, a cast iron sink perfectly framed by an eight-foot picture window overlooking the bay, and a butler's pantry that keeps everyday appliances out of sight. With no upper cabinets, the space feels open, modern, and intentionally centered around the view. The upper level was built for gathering, with the kitchen, living space, and office all oriented toward the water. One of the four bedrooms is currently styled as a game room/man cave with a large walk-in storage closet and direct access from the main living area, offering flexible space for guests, hobbies, or media. The office is finished with over 100-year-old European doors, adding warmth and character you simply can't replicate. Downstairs, three additional bedrooms provide privacy and comfort, including a serene primary suite with calming water views, a spa-inspired bath with soaking tub, walk-in shower, dual vanities, and an oversized custom closet. Just outside the suite, a private pavered porch with outdoor seating and an eight-person Master Spas hot tub creates a personal retreat where evenings end with peaceful bay breezes and quiet water reflections. Perfectly positioned just down the street from the resident-only Thomas Drive gate, this location offers both added security and exceptional convenience. Bay Point is one of the area's most sought-after gated communities featuring 24-hour roving security, Bay Point Golf Club, Point South Marina, and golf-cart-friendly streets. Wildlife sightings are part of everyday life here, with deer often seen wandering through your yard, adding to the natural charm that makes Bay Point so special. From the grand double-door entry and statement staircase to the ever-changing colors of the morning sky over the bay, this home delivers a rare blend of coastal design, privacy, and unforgettable waterfront living! Home Insurance: $2,584 | Flood Insurance (Quoted): $2,500 | Avg Electric: $200 | Avg Gas: $50 | Avg Water: $100

3207 Swordfish Drive, Panama City Beach

Listing courtesy of Beachy Beach Real Estate.

$399,000

791975 MLS

WOW!!!!! Build your dream home on this wide water bay front Panama City Beach lot right around the corner from a Marina and less than a 5 minute drive to our beautiful white sand beaches!!! Gas line availability is right down the street and tap fee has been paid. I have 20 pages of building plans that can be provided upon request of a BEAUTIFUL home that was going on the lot before sellers decided to sell. It's a $20,000 value...free of charge!! The building possibilities are endless on this GORGEOUS cleared and ready to build on beauty. Build right away or just add a dock, park your boat, and come down for a weekend of fishing. Less than a 10 minute ride out to the open gulf. Hurry before this one gets away! All information is approximate and should be verified by buyers if important.

1037 Bay Circle, Panama City Beach

Listing courtesy of RE/MAX SELECT Partners.

$659,000

2 Beds ⋅ 2 Baths ⋅ 791846 MLS

Experience the best of waterfront living in this highly sought-after Turtlegrass Villas in Bay Point, gorgeous inside and out! This completely renovated private end unit is an exceptional 2-bedroom, 2-bath waterfront property with breathtaking panoramic views of the Bay and Lagoon. You literally have views from every room - even the kitchen windows! Floor-to-ceiling windows in the living room showcase the stunning views and flood your home with natural light. Turtlegrass owners enjoy access to 3 private docks, providing the rare convenience of keeping your boat just steps from home, along with opportunities for fishing and enjoying the beautifully maintained waterfront grounds. Inside, the open-concept split floor plan has been thoughtfully designed with luxury finishes throughout. The spacious primary suite features quartz countertops, dual vanities, a tiled walk-in shower, and a generous closet. The bright kitchen and dining area overlooks the Bay Point Golf Course, and your beautifully updated kitchen offers white shaker cabinetry, quartz countertops, and a center island perfect for gathering. Soaring ceilings highlight the living room, complete with a wet bar and spectacular water views, creating an ideal space for entertaining. A cozy nook provides additional seating and the perfect spot to relax while watching dolphins play and boats enter the marina. The guest suite offers its own floor-to-ceiling windows, walk-in closet, and a spacious ensuite bath with quartz countertops and a tiled tub/shower combination. This residence has been completely gutted and renovated from previous owner, including electrical, plumbing, sheetrock, flooring, and more. Additional features include a private courtyard entrance with patio and room to grill, outdoor storage closet, interior foyer storage, and utilities included except electricity and internet. Located within the prestigious gated Bay Point community with 24-hour security, residents enjoy access to a championship golf course and a full-service marina, on-site dining, all conveniently located near Panama City Beach attractions, shops and restaurants, St Andrews State Park, Navy Base, as well as boating and the beach! Make this exceptional property your new home, vacation home, or vacation rental - call today!

4400 Kingfish Lane Unit 326, Panama City Beach

Listing courtesy of Keller Williams Success Realty.

$559,900

2 Beds ⋅ 2 Baths ⋅ 791516 MLS

Need a boat slip? This is Bay Point's only complex with boat slips for the owner's use! This penthouse unit has been completely remodeled since Hurricane Michael with new appliances, new flooring, new bathrooms, new roof, new siding, new almost everything you can list! After the remodeling, it was furnished with new furniture! This unit is beautiful and is move-in ready! It has a spectacular view of the Lagoon and the Yachts going in and out of the Bay Point Marina. This is a rare find!

4400 Kingfish Lane Unit 302, Panama City Beach

Listing courtesy of Bay Point Real Estate Co.

$1,499,000

3 Beds ⋅ 3 Baths ⋅ 791500 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. Designed as a true retreat, the primary suite 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 Trail, Panama City Beach

Listing courtesy of 1 Percent Lists Florida Coast.

$599,900

3 Beds ⋅ 3 Baths ⋅ 791443 MLS

OPEN HOUSE SAT 7/18 1-3PM! Marina Landing #601 is a beautiful 3 bedroom, 3 bathroom corner-unit condo featuring over 1,900 square feet of interior living space plus more than 600 square feet of wraparound balconies. This waterfront condo is located on the marina side directly overlooking St. Andrews Bay, with a marina next door offering boat slips available to lease. Lightly lived in as an occasional part-time retreat, the condo is in excellent condition and is move-in ready. It is being sold fully furnished with all furniture, appliances, décor, and home goods included -- just bring your clothes and enjoy waterfront living in Panama City Beach. The bright BoHo Coastal interior features artisan and international décor, bright colors, and custom finishes throughout. The fully stocked chef's kitchen includes a dedicated coffee bar. Recent updates include a new water heater, washer, dryer, and refrigerator. This grandkid-friendly home is beach and paddleboard ready. The huge wraparound balcony offers a bar, grill, and teak bar chairs with outstanding marina and bay views. Additional features include a large secure storage closet, prime parking space, private gym, owner private party area, and a private pier. The building has been newly painted with completed stucco restoration. Marina Landing is a peaceful waterfront community with no vacation rentals allowed and a six-month minimum lease policy. This turnkey condo is ready for immediate enjoyment on St. Andrews Bay.

6422 W Highway 98 Unit 601, Panama City Beach

Listing courtesy of Blue Bird Woliver Realty.

$624,000

3 Beds ⋅ 3 Baths ⋅ 791328 MLS

Welcome to Waterhaven, one of Panama City Beach's most sought-after gated waterfront communities on beautiful St. Andrews Bay. This exclusive non-rental community offers a peaceful coastal lifestyle with resort-style amenities, breathtaking bay views, and convenient access to beaches, boating, dining, and entertainment. This spacious 3-bedroom, 2.5-bath waterfront residence offers approximately 1,608 square feet of thoughtfully designed living space with stunning bay views and an open-concept layout. While located on the first floor, the bay-side elevation provides the feel and vantage point of a second-floor unit, enhancing natural light and delivering elevated water views. Rich hardwood floors, tall ceilings and elegant molding details add warmth and timeless sophistication throughout. This exceptional condo combines privacy, luxury, and convenience. The beautifully updated kitchen blends elegance and functionality, featuring a Viking gas range, Sub-Zero refrigerator, quartz countertops, designer tile backsplash, under-cabinet lighting, deep Kraus undermount stainless steel sink & faucet, and recently updated dishwasher, microwave, and garbage disposal. The spacious living and dining areas flow seamlessly to a large covered balcony, the perfect place to enjoy breathtaking sunrises over St. Andrews Bay. The primary suite offers tranquil water views through elegant French doors and features a beautifully updated spa-inspired bath with new countertops, vessel sinks & faucets, modern faucets, updated lighting, and a soaking tub designed for ultimate relaxation. Two additional bedrooms provide space for guests, family, or a home office and share a convenient Jack-and-Jill bath. Both bedrooms feature private access to the community-side porches, creating an inviting extension of outdoor living and coastal atmosphere. Residents enjoy exceptional resort-style amenities, including a bayfront pool, a beautifully appointed clubhouse with a fitness center, theater, and meeting room, as well as one of the largest private piers in Bay County. It the perfect spot for fishing, boating, and taking in the breathtaking views of St. Andrews Bay. Conveniently located near marinas, beaches, dining, shopping, golf courses and St. Andrews State Park, this remarkable waterfront residence offers the coastal lifestyle you've been dreaming of.

4113 Cobalt Circle Unit P072, Panama City Beach

Listing courtesy of Anchor Realty Florida.

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