Panama City Beach Homes with Canal Access Waterfront Features

Welcome to Panama City Beach, Florida—a coastal paradise where sun-soaked shores meet vibrant community living. Nestled in Bay County, this enchanting city is renowned for its stunning white-sand beaches, crystal-clear emerald waters, and a plethora of outdoor activities that cater to every lifestyle. Whether you’re seeking a serene retreat or an adventurous getaway, Panama City Beach offers the perfect blend of relaxation and excitement.

One of the most alluring features of this coastal gem is the availability of homes with canal access. Imagine waking up each morning to the gentle sounds of water lapping against your dock, with direct access to the Gulf of Mexico right at your doorstep. These waterfront properties not only provide a picturesque setting but also an array of recreational opportunities. Enjoy kayaking, paddleboarding, or simply cruising along the serene canals that wind through the area, leading you to the breathtaking beaches and vibrant marine life.

Homes with canal access in Panama City Beach often boast modern amenities and spacious layouts, designed to enhance your coastal living experience. Many properties feature expansive outdoor spaces, perfect for entertaining friends and family or unwinding after a day of sun and surf. With easy access to local shops, dining, and entertainment, you'll find that the charm of Panama City Beach extends far beyond its stunning waterfront.

Come discover the magic of Panama City Beach, where your dream home awaits amidst the beauty of nature and the warmth of community. Embrace the coastal lifestyle and make this vibrant city your new home today!

Newest Panama City Beach Homes with Canal Access Waterfront Features

138 Grande Island Boulevard, Panama City Beach

$375,000

2 Beds ⋅ 2 Baths ⋅ 797024 MLS

BOO! Experience coastal livin g at its best in this open-concept, two-story townhouse in the sought-after, gated Gulf Highlands Beach Resort! This desirable end unit features a spacious layout, peaceful canal-side patio, and a rare side yard with extra outdoor space. Featuring brand-new quartz countertops, newer appliances, replaced exterior HVAC, and beautifully remodeled spaces, this home is move-in ready! Enjoy thoughtful upgrades, including an added dry bar, abundant storage, a new shiplap wall, updated fans and light fixtures, and additional exterior improvements. Upstairs, two generously sized bedrooms each feature a private en-suite bathroom. The primary suite boasts soaring half-vaulted ceilings and an add-on room with space for bunk beds, an office, nursery, or extra storage. Relax on your back patio overlooking the tranquil canal, or enjoy incredible resort amenities just steps away! Features include 11 pools (some heated), pickleball and tennis courts, playgrounds, a fitness center, shuffleboard, and a beachside pool and community beach house with community beach access, showers, restrooms, and more! Walk to restaurants, activities, and the grocery store! The property also includes TWO deeded parking spaces. Located on Grande Island, this townhouse combines rental potential with a quieter setting, separated from much of the neighborhood's activity. The spacious side yard is a rare community perk, complete with orange and lemon trees, grapevines, and garden boxes overlooking the canal. Age, square footage, and property description to be verified by buyer if important.

138 Grande Island Boulevard, Panama City Beach

Listing courtesy of Beycome of Florida LLC.

6576 Harbour Boulevard, Panama City Beach

$499,900

3 Beds ⋅ 2 Baths ⋅ 796985 MLS

HUGE PRICE REDUCTION!!! Home has been appraised by HW Falke and priced to sell! Appraiser measured (see Docs) Welcome to your own slice of waterfront paradise! Nestled along a peaceful canal in the gated Harbour Town Village community, this adorable 3-bedroom, 2-bath home offers the perfect blend of coastal charm, comfort, and boating convenience, with direct access to St. Andrews Bay! Boating enthusiasts will fall in love with the custom dock and impressive 10' x 32' boathouse, complete with an 8,000-pound boat lift designed to accommodate a variety of vessels, including V-hull boats and pontoons. Imagine stepping outside your back door, hopping on your boat, and spending the day cruising the bay, exploring Shell Island, or enjoying everything the Emerald Coast has to offer! The waterfront lifestyle doesn't stop at boating! Enjoy your morning coffee or unwind at the end of the day in the inviting Florida room, complete with air conditioning for year-round comfort, or head down to the dockside seating area to relax and take in the peaceful canal views. It's the perfect setting for enjoying the coastal scenery and making memories with family and friends. Inside, you'll find thoughtful updates, including tile and granite countertops in the kitchen and bathrooms, with new carpet scheduled for installation soon. Additional improvements include a tankless water heater, a new roof and gutters in 2018, and an HVAC system installed in 2023. Enjoy the ease of low-maintenance living with an HOA fee of just $173.50 per month, which includes lawn care, trash service, and basic cable. Residents also enjoy two community swimming pools, pickleball and tennis courts, and the privacy of a gated community. Long-term and short term rentals are permitted, providing flexibility for homeowners and investors alike. Whether you're looking for a primary residence, coastal retreat, or investment opportunity, this charming waterfront home offers an incredible opportunity to embrace the boating lifestyle. Your waterfront escape awaits--come experience the charm of Harbour Town Village and start making memories on the water!

6576 Harbour Boulevard, Panama City Beach

Listing courtesy of Think Real Estate.

$320,000

2 Beds ⋅ 2 Baths ⋅ 796506 MLS

Your beach getaway with the potential to help offset ownership expenses! This coastal updated 2-bedroom, 1.5-bath townhome in Gulf Highlands Beach Resort sleeps six in beds and offers an inviting option for a second home, short-term rental investment, or primary residence. Located near the community's Front Beach Road entrance, this home puts beach days within easy reach. Inside, tile and luxury vinyl plank flooring complement the coastal updates, and the care the owners have put into this home is evident from the moment you walk in. Out back, enjoy no rear neighbors and the sounds of the Gulf while you grill and chill after a day on the sand. Gulf Highlands is a gated, golf cart friendly community in the heart of Panama City Beach, with amenities that give owners and vacation guests plenty to enjoy. Multiple swimming pools, including a beachfront pool, beach access, the beachfront Beach House, tennis courts, shuffleboard, an 18-hole miniature golf course, and a fitness center make it easy to fill your days without going far. Dining, shopping, and local attractions add to the convenience of this central location. Enjoy your own beach retreat and explore the potential to generate rental income when you are away. Financing options may include as little as 3% down for a primary residence or 20% down for an investment property for qualified buyers, subject to lender approval and program requirements. The sellers have loved this home, but a new season of life means it is time to pass it on. If Gulf Highlands has been on your list, schedule your showing and see what makes this one worth a closer look!

144 Robin Lane, Panama City Beach

Listing courtesy of Dalton Wade Inc.

$324,900

2 Beds ⋅ 3 Baths ⋅ 1013289 MLS

WATERFRONT LIVING IN PANAMA CITY BEACH UNDER $325K! Welcome to 6532 Harbour Boulevard, a canal-front townhome offering the coastal lifestyle buyers are looking for at an approachable price point. Located in the gated Harbour Towne community, this 2-bedroom, 2.5-bath home features a bonus space overlooking the canal, perfect for a home office, reading nook or additional sitting area. Step outside to your waterfront patio and backyard overlooking the canal, where you can hop on the boat and spend the day cruising the bay, fishing, or venture out to the Gulf for a day on the water. A BRAND-NEW ROOF adds even more value and peace of mind for the next owner. Harbour Towne offers an impressive lineup of community amenities including two pools, pickleball courts, tennis courts and a community center, with Bayside Marina nearby. Conveniently located in Panama City Beach with easy access to the beaches, shopping, dining and surrounding areas, this property offers the best of both waterfront living and everyday convenience. Whether you're searching for a primary residence, second home or your own Panama City Beach getaway, this is an opportunity to enjoy canal-front living without the typical waterfront price tag. Schedule your private showing and come see what makes this waterfront townhome special!

6532 Harbour Blvd, Panama City Beach

Listing courtesy of Salty Marlin Realty.

$349,000

4 Beds ⋅ 2 Baths ⋅ 1012657 MLS

LOCATION, LOCATION, LOCATION! Welcome to your waterfront gateway in Panama City Beach! This beautifully refreshed 4-bedroom, 2-bath offers the Emerald Coast lifestyle you've been waiting for, with direct Gulf access right from your backyard and no HOA fees. The home has been thoughtfully updated with LVP flooring, attractive countertops, and more, creating a fresh, comfortable space that is move-in ready. The spacious, sun-filled kitchen is perfect for everyday living or entertaining. Boaters will love the deep canal and private waterfront access, allowing you to dock your boat right outside your home and reach the bay and Gulf waters in minutes. There is a full-service marina conveniently located at the end of the canal for additional boating needs. With over 1,500 square feet, generous parking for at least four vehicles, and space for RVs, this property offers plenty of flexibility for family, guests or renters. Sold furnished and ready to enjoy as a primary residence, second home, or vacation rental, this is a property with exceptional possibilities. Whether you're looking for your own coastal retreat, a boating enthusiast's paradise, or an investment opportunity, this waterfront gem deserves a look. Come see it and experience the Emerald Coast lifestyle for yourself!

6523 Sunrise Dr, Panama City Beach

Listing courtesy of Beachy Beach Real Estate.

$349,000

4 Beds ⋅ 2 Baths ⋅ 795771 MLS

6523 Sunrise Drive, Panama City Beach

Listing courtesy of Beachy Beach Real Estate.

$950,000

3 Beds ⋅ 3 Baths ⋅ 795743 MLS

Your boat belongs at home. Set on an oversized corner lot in Bay Point, 365 Wahoo Road pairs a private canalfront setting with the space to enjoy life on land, too. Follow the paver walkway to your dock, head out for a day on the water, then come home to relax by the canal. Inside, approximately 2,806 square feet offers room to spread out: two living areas, a separate dining room, and a kitchen with generous breakfast bar seating. The upstairs primary suite has two walk-in closets and a sitting area that can serve as an office or quiet retreat. Two additional bedrooms are downstairs, along with an enclosed porch overlooking the outdoor setting. The circular drive, mature trees, and distinctive entry make a memorable first impression. With three bedrooms, two and a half baths, and boating access from your own dock, this is a chance to make the Bay Point waterfront lifestyle your everyday routine. Schedule a private showing and see how it feels from the water's edge.

365 Wahoo Road, Panama City Beach

Listing courtesy of MAP Management LLC.

$1,495,000

4 Beds ⋅ 4 Baths ⋅ 795424 MLS

Welcome to 553 Wahoo Road, a beautifully appointed waterfront home in the gated Bay Point community. Ideally positioned east of the Bonefish Bridge, the property offers 80 feet of water frontage with no overhead obstructions, making it ideal for large boats with towers. Located near the beginning of the canal system, the home is less than a ten minute ride through the no wake zone to open water. Additional boating features include a vinyl seawall and 50 amp shore power. This spacious four bedroom, four bathroom home is filled with natural light and showcases vaulted ceilings, skylights, a living room fireplace, and water views from both the front and rear. The well equipped kitchen features a Viking gas cooktop, Viking oven, and Viking microwave, while the wet bar with beverage cooler makes entertaining effortless. Outdoor living is equally impressive. Relax beside the heated swimming pool, take in the waterfront views from the oversized elevated rear deck, or entertain guests in the covered outdoor kitchen, complete with a Big Green Egg, gas grill, and single gas burner. It is the perfect setting for cookouts after a long day on the water, with generous areas for lounging and gathering. Additional features include a standing seam metal roof, paver driveway, whole house rain gutters, single car garage, and Generac generator. Nestled securely within Bay Point, residents enjoy amenities that include manned entrance gates with guards and roving security. Bay Point is home to the Nicklaus Golf Course, the only one in Northwest Florida, as well as Point South Marina, a full service facility with a fuel dock and slips accommodating yachts up to 120 feet. This exceptional property brings together convenient boating access, comfortable coastal living, and outstanding spaces for entertaining.

553 Wahoo Road, Panama City Beach

Listing courtesy of Seltzer Real Estate, LLC.

$2,100,000

5 Beds ⋅ 6 Baths ⋅ 794758 MLS

GRAND CANAL WATERFRONT LIVING IN GATED BAY POINT! Welcome to 339 Wahoo Road, a rare Panama City Beach waterfront home offering approximately 95 feet of canal frontage and an approximately 95-foot concrete dock, complete with two jet ski lifts and approximately 7 feet of water depth. Enjoy boating access to the bay and Gulf of Mexico, with Grand Lagoon, St. Andrews State Park, and Shell Island just a boat ride away. Step off the boat and into your own private waterfront retreat! Built for entertaining, this home takes indoor-outdoor living to another level. The expansive waterfront outdoor area features a pool, hot tub, Trex deck, gas fire pit, outdoor cooking area, indoor bar, extensive indoor/outdoor bar and gathering spaces, and multiple indoor/outdoor beverage coolers--all overlooking the Grand Canal. Whether you're hosting a large celebration, cooking by the pool, gathering around the fire pit, or unwinding in the hot tub after a day on the water, this space was designed to enjoy the Florida lifestyle year-round. Inside, custom details set this home apart, including a stunning pecky cypress and blue epoxy river knee wall, pecky cypress handrails, and an impressive marble and real-wood fireplace. Walls of windows keep the Grand Canal at the center of the home, complemented by electric living room blinds and solar-controlled bedroom shades. The spacious kitchen features two refrigerators and a double oven, while the primary suite includes a double Jacuzzi tub. An in-law suite with a separate exterior entrance offers added flexibility for guests or multigenerational living. Additional coastal-minded features include high-impact glass, hurricane-rated doors, and a roof designed to meet applicable wind standards. The property is also located on a desirable section of the canal outside the mapped flood zone.* Living in Bay Point means enjoying much more than the home itself. This gated Panama City Beach community offers a Jack Nicklaus-designed golf course, Bay Point Marina, waterfront restaurants and bars, and Serenity Spa. Head through the back gate and you're just minutes from the beaches, St. Andrews State Park, and Thomas Drive dining and nightlife. Waterfront. Boating. Golf. Beaches. Entertaining. 339 Wahoo Road brings it all together. Spend the day on the Gulf, pull your boat up to your own dock, then end the evening poolside or around the fire overlooking the Grand Canal. This is Panama City Beach waterfront living at its best. Furnishings are negotiable, *Buyer to verify canal frontage, water depth, flood zone designation, wind/hurricane ratings, boating access, community amenities, measurements, and all information deemed important.

339 Wahoo Road, Panama City Beach

Listing courtesy of Salty Marlin Realty LLC.

247 Saint Katherine Boulevard, Panama City Beach

$339,000

2 Beds ⋅ 3 Baths ⋅ 794739 MLS

Welcome to Panama City Beach living at its finest! Fully furnished Nestled in the highly sought-after, VA-approved community, this stunning 2-bedroom, 2.5-bath townhome offers the ultimate blend of comfort, style, and investment potential. this meticulously updated unit showcases peaceful water views of the wide canal and a bright, open-concept feel throughout. One of the unit's absolute best features is its prime location right next to a private owner's entrance, offering exceptionally quick and convenient access in and out of the community. Step outside and enjoy an unmatched resort lifestyle. The community boasts incredible amenities, including 11 pools (several heated), tennis and pickleball courts, two fitness centers, an 18-hole mini-golf course, playgrounds, shuffleboard, and an exclusive private beachfront clubhouse with a snack bar. Conveniently located just a short walk to the sugar-white beaches, local dining, shopping, and everyday conveniences like Walmart and the post office. Whether you are looking for a full-time residence, a lucrative short-term rental investment, or a dream vacation getaway, this exceptional canal-front townhome delivers. Don't miss out--schedule your showing today!

247 Saint Katherine Boulevard, Panama City Beach

Listing courtesy of Think Real Estate.

$539,000

1010595 MLS

Water, power and boat lift already in place for you! Bring your boat now and build your dream waterfront home later! This is one of the few remaining deep-water canal homesites available in the gated community of Bay Point. Ready for construction, the property is already equipped with water, power, and a boat lift, saving valuable time and significant development costs. An added bonus is its ideal positioning, offering long, picturesque views down the canal rather than directly across, creating a more open and impressive waterfront setting. House plans are available, making it even easier to bring your vision to life. Enjoy direct deep-water access from your dock to the Gulf, whether you're heading out for a day of fishing, cruising to Shell Island, or simply enjoying life on the water. Bay Point is one of Panama City Beach's premier gated communities, featuring 24-hour security, a Jack Nicklaus championship golf course, a full-service marina, on-site dining, and beautifully maintained grounds. Conveniently located just minutes from St. Andrews State Park, Shell Island, shopping, restaurants, and the sugar-white beaches of the Gulf Coast. Rare opportunities like this don't come along often. Build exactly what you've been dreaming of in one of the area's most desirable waterfront communities. Seller is a Florida licensed real estate agent.

1420 Trout Dr, Panama City Beach

Listing courtesy of Keller Williams Success Realty.

6712 Harbour Boulevard, Panama City Beach

$639,900

3 Beds ⋅ 3 Baths ⋅ 794207 MLS

GREAT PRICE IMPROVEMENT! Discover this one-of-a-kind canal-front home in the gated Harbour Towne community--complete with a custom dock, boat lift, and fishing setup! Built in 2021, this immaculate 1,928-square-foot home offers 3 bedrooms, 2.5 bathrooms, and direct access to St. Andrews Bay and the Gulf of Mexico. The impressive $65,000 custom dock and lift can accommodate a boat up to 30 feet. Additional highlights include a private screened porch, newly fenced backyard, brand-new 2024 appliances, and short-term rental approval. Whether you're seeking a waterfront investment or the ultimate coastal lifestyle, this turnkey Panama City Beach home is ready for you!

6712 Harbour Boulevard, Panama City Beach

Listing courtesy of Better Homes and Gardens Coast Properties.

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Panama City Beach Homes with Canal Access Waterfront Features

Newest Panama City Beach Homes with Canal Access Waterfront Features

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