Panama City Beach Homes with Gulf Waterfront Features

The Deal you have been waiting for has arrived! Gulf-Front Luxury in Panama City Beach and minutes to 30A! A once-in-a-lifetime beachfront masterpiece with unmatched elegance and investment appeal. Perfectly positioned directly on the Gulf of America, this extraordinary Gulf-front triplex is an exceptionally rare offering that combines world-class luxury with unmatched investment potential. Opportunities to own an entire beachfront building of this caliber are almost nonexistent. Designed for those who refuse to compromise, this remarkable property features three expansive luxury residences--one occupying each of the second, third, and fourth floors. Each private residence spans approximately 2,500 square feet and offers four spacious bedrooms, four-and-a-half designer bathrooms, and two oversized Gulf-front balconies that place the breathtaking emerald waters and unforgettable sunsets center stage. Every residence has been thoughtfully crafted with timeless coastal elegance. The gourmet kitchens are a showpiece, boasting handcrafted custom wood cabinetry, endless granite countertops, premium stainless-steel appliances, generous preparation space, and an elegant wet bar complete with wine storage--perfect for entertaining after a day on the beach. Walls of glass flood the interiors with natural light while showcasing uninterrupted, panoramic Gulf views from EVERYWHERE! The luxurious primary suites are private beachfront retreats, featuring spa-inspired bathrooms where oversized whirlpool soaking tubs overlook the shimmering coastline and creating a daily experience! Rich designer finishes, beautiful tile flooring, upscale furnishings, and carefully curated décor complete each residence, allowing the property to be enjoyed immediately or continue producing exceptional rental income. On the ground level, owners and guests are welcomed by resort-style amenities including a private elevator, sparkling beachfront swimming pool, outdoor shower, bathroom facilities, dedicated storage, direct beach access, and abundant parking--an uncommon luxury for Gulf-front properties. Constructed with superior craftsmanship and built to endure, this masterpiece features reinforced concrete construction, metal-stud framing, a tile roof, and a durable stucco exterior, offering both lasting beauty and peace of mind. Whether you're seeking an elite beachfront investment, a luxury corporate retreat, a multi-generational family compound, or one of the most coveted vacation rental properties on the Emerald Coast, this trophy property delivers an extraordinary combination of prestige, income potential, and irreplaceable Gulf-front ownership. Opportunities like this are incredibly scarce--and once they're gone, they may not come around again.

21523 Front Beach Road, Panama City Beach

Listing courtesy of RealJoy Realty LLC.

$5,990,000

12 Beds ⋅ 16 Baths ⋅ 1008670 MLS

The Deal you have been waiting for has arrived! Gulf-Front Luxury in Panama City Beach and minutes to 30A! A once-in-a-lifetime beachfront masterpiece with unmatched elegance and investment appeal. Perfectly positioned directly on the Gulf of America, this extraordinary Gulf-front triplex is an exceptionally rare offering that combines world-class luxury with unmatched investment potential. Opportunities to own an entire beachfront building of this caliber are almost nonexistent. Designed for those who refuse to compromise, this remarkable property features three expansive luxury residences--one occupying each of the second, third, and fourth floors. Each private residence spans approximately 2,500 square feet and offers four spacious bedrooms, four-and-a-half designer bathrooms, and two oversized Gulf-front balconies that place the breathtaking emerald waters and unforgettable sunsets center stage. Every residence has been thoughtfully crafted with timeless coastal elegance. The gourmet kitchens are a showpiece, boasting handcrafted custom wood cabinetry, endless granite countertops, premium stainless-steel appliances, generous preparation space, and an elegant wet bar complete with wine storage--perfect for entertaining after a day on the beach. Walls of glass flood the interiors with natural light while showcasing uninterrupted, panoramic Gulf views from EVERYWHERE! The luxurious primary suites are private beachfront retreats, featuring spa-inspired bathrooms where oversized whirlpool soaking tubs overlook the shimmering coastline and creating a daily experience! Rich designer finishes, beautiful tile flooring, upscale furnishings, and carefully curated décor complete each residence, allowing the property to be enjoyed immediately or continue producing exceptional rental income. On the ground level, owners and guests are welcomed by resort-style amenities including a private elevator, sparkling beachfront swimming pool, outdoor shower, bathroom facilities, dedicated storage, direct beach access, and abundant parking--an uncommon luxury for Gulf-front properties. Constructed with superior craftsmanship and built to endure, this masterpiece features reinforced concrete construction, metal-stud framing, a tile roof, and a durable stucco exterior, offering both lasting beauty and peace of mind. Whether you're seeking an elite beachfront investment, a luxury corporate retreat, a multi-generational family compound, or one of the most coveted vacation rental properties on the Emerald Coast, this trophy property delivers an extraordinary combination of prestige, income potential, and irreplaceable Gulf-front ownership. Opportunities like this are incredibly scarce--and once they're gone, they may not come around again.

21523 Front Beach Rd, Panama City Beach

Listing courtesy of RealJoy Realty LLC.

$749,000

3 Beds ⋅ 2 Baths ⋅ 793255 MLS

Gorgeous 3 Bedroom, 2 Bath Condo at the Dunes of Panama. This has been the owner's primary residence and not a rental, but it can easily be made into a rental unit. It features wood grain tile flooring throughout that continues onto the balcony and granite countertops in the kitchen and bathrooms. Stone tile shower in the master ensuite with jets and rain shower head with a corner floating triangle foot shelf. Matching stone tile shower/tub combo in the second bathroom. Ceilings and walls are textured to match. The Dunes of Panama Resort has 1,500 linear feet of sugar white sand, 3 gulf front pools (one heated), four pickle ball courts, one tennis court, hi-speed WI-FI with DirecTV Streaming, fitness room, shuffleboard, outdoor BBQ grills, Stingray's restaurant and gift shop and the Sneaky Tiki poolside. Monthly HOA fees include all of the above features and all utilities except for electric. Owner is responsible for electric bill, interior insurance and condo property taxes. All Milestone report repairs were completed in spring 2024 and all assessments have been paid! All dimensions and information herein are deemed reliable but should be verified by buyer.

7205 Thomas Drive Unit E1701, Panama City Beach

Listing courtesy of Bright Realty Solutions.

$449,000

2 Beds ⋅ 2 Baths ⋅ 1008637 MLS

This gulf-front condo was fully renovated in 2025! It provides a highly-desired, modern, coastal design with a turnkey, vacation rental, 2 bedroom, 2 bath unit at Summerhouse, a favorite of owners and guests alike. With over $75,000 in renovations, this unit has remarkable upgrades with 20-mil LVP flooring throughout, beautiful tiled showers, marble countertops, new lighting, vanities, water heater and new roof HVAC system. Pair that with new modern, coastal furnishings and you'll see why this gulf-front condo unit rents so well on the desired on the east end of Panama City Beach. This unit is spacious at just under 1,100 square feet, has a beachfront primary suite and offers breathtaking direct Gulf views from your balcony, the pools and the most perfect sunsets. As you enter the unit, you're greeted with a light, bright corridor with wainscoting-clad walls and LVP that flows seamlessly through the unit. Both bathrooms have been completely modernized with stunning vertical tile in green hues that mirror the turquoise waters of the Gulf of America. Ample storage in new vanities and lighting make for a picture-perfect coastal design. The gulf-front primary suite offers incredible views and you'll wake up to the waves every morning from your bed. The guest suite offers multiple bedding options to maximize your rental, as well. The kitchen features a breakfast bar, marble countertops, stainless appliances and white cabinetry. You'll enjoy ample seating with a modern dining set and 4 counter stools at the breakfast bar. Thoughtfully designed with shiplap-clad walls, fun wooden surfboard decor and plenty of seating in the neutral, yet modern, coastal living room. Step out of the living room onto the spacious patio and let the indoor-outdoor experience of Florida we all love soak in. The primary suite offers a king bed where you'll actually get to relax at the beach. In-unit laundry is also a great convenience at the beach. Summerhouse is a top-rated, gulf-front resort in Panama City Beach and guests come back year after year because of the amenities. Summerhouse offers two beachfront pools, including one heated seasonally, a kiddie pool area, hot tub, tennis courts, pickle ball courts, game room with billiards and arcade, owners lounge, gazebo by the beachfront pool and plenty of parking. Step out of your unit and enjoy coffee and the seabreezes in the mornings then head to the beach for a day by the turquoise waters and sugar white sands. Summerhouse is positioned just right on the east end of the beach on Thomas Drive, just minutes from St. Andrews State Park, multiple marinas including dry boat storage, many waterfront dining establishments, local fishing charters, pontoon boat rentals, and shopping. If you're looking for a turn-key, short-term vacation rental and maximizing your income, this is the unit for you! No deferred maintenance, just income in your pocket. Not looking to rent? Owners love Summerhouse, as well, and there are many owners that utilize their condos as second homes and places for their families to getaway to the beach.

6505 Thomas Dr Unit 503, Panama City Beach

Listing courtesy of Corcoran Reverie SRB.

$380,000

1 Beds ⋅ 2 Baths ⋅ 793228 MLS

Skip the elevators and step straight into beach life with this 3rd floor end-unit at Regency Towers in Panama City Beach. Located on the desirable west side of the building next to the stairs, this 1-bedroom, 2-bath condo features a corner balcony with a sweeping coastline, plus direct Gulf, pool, and beach views. The additional west-facing living room window fills the space with natural light and showcases stunning sunset vistas. The condo has been updated with luxury vinyl plank flooring throughout, new bathroom vanities with granite countertops, shiplap accent wall, and a convenient stackable washer and dryer. The primary bedroom offers Gulf views and private balcony access through sliding glass doors. For over 40 years, Regency Towers has been a very popular beachfront destination, offering gated access with 24-hour security, two beachfront pools (seasonally heated), kids pool, indoor hot tub, fitness center, game room, owner's lounge, picnic and grill area, boardwalk beach access, large green space, and poolside dining at Bikini Bob's. Ideally located in the South Lagoon area near St. Andrews State Park, Cobra Adventure Park, and local favorites like Schooners and Fin's Island Style Grub, with the exciting new Hadley's Beach luxury development next door. This condo has primarily been enjoyed by friends and family rather than used as a short-term rental, offering a well-cared-for coastal retreat.

5801 Thomas Drive Unit 305, Panama City Beach

Listing courtesy of Compass Florida, LLC.

$719,900

3 Beds ⋅ 2 Baths ⋅ 793165 MLS

This incredible unit is in a small complex with only 50 unit in the building. This means no long wait for an elevator! Located on Front Beach Road, this unit is in the heart of Panama City Beach's amenities! Pier Park, the water park, St Andrews State Park and all the restaurants are just minutes away! The view from your large balcony is to die for! Swim in the gulf or enjoy the pool! This is a non-rental unit which has only been used by family and friends but short term rentals are allowed. The reserved parking space is right outside the entrance door. What are you waiting for!

10719 Front Beach Road Unit 502, Panama City Beach

Listing courtesy of Bay Point Real Estate Co.

$259,000

1 Beds ⋅ 1 Baths ⋅ 793163 MLS

Welcome to Unit A804 at The Top of the Gulf, a beautifully renovated top-floor Gulf-front condo offering the perfect combination of coastal charm, modern comfort, and exceptional investment potential. Located on the 8th floor, this residence enjoys one of the most desirable positions in the building -- no units above means added peace and quiet for owners and guests alike. Thoughtfully updated and sold fully furnished, the condo features stylish coastal-inspired furnishings and décor, creating a bright, welcoming atmosphere that is completely turnkey and rental-ready. Major upgrades include a brand-new HVAC system and a self-draining dehumidifier installed approximately 2½ years ago, providing enhanced comfort, efficiency, and peace of mind. For investors, this property checks every box. The condo offers a proven rental history with future bookings already in place through April 2027, including confirmed reservations in September, March, and April, allowing a new owner to begin generating income immediately. Perfectly situated in the heart of Panama City Beach, The Top of the Gulf places you just minutes from great dining, shopping, and recreational activities. And for those seeking entertainment, the newly opened Tootsie's Orchid Lounge is only a 5-minute walk up the beach, adding even more excitement and value to this prime location. Whether you're searching for a personal beach retreat, a second home, or a high-performing income property, Unit A804 delivers turnkey Gulf-front living with established rental income and future reservations already secured. Don't miss this opportunity to own a top-floor beachfront condo in one of Panama City Beach's most convenient and sought-after locations at a GREAT PRICE POINT!!

8817 S Thomas Drive Unit A804, Panama City Beach

Listing courtesy of Beach Haven Realty.

$989,000

3 Beds ⋅ 3 Baths ⋅ 793151 MLS

GROSS RENTALS OVER $100,000 IN 2025. This townhouse has 10' ceilings in the living room giving it a very open feel. Large deck GULF FRONT with private walk way to the beach. Located at the intersection of Hwy 79 and Front Beach Road. This is a BEACH-FRONT TOWNHOUSE WITH NO HOA DUES. Master bedroom is GULF-FRONT. Lots of updates throughout, including bathrooms and flooring. 3 full bedrooms, 3 full bathrooms.

17135 Front Beach Road Unit 27, Panama City Beach

Listing courtesy of Pineapple Properties.

$537,000

2 Beds ⋅ 2 Baths ⋅ 793149 MLS

INCLUDES EXTERNAL STORAGE UNIT SO81!!! UPGRADED MASTER SHOWER. This is the 2bd that really feels like a 3bd. Bunk room has a door and a window, just no closet, so it can't be called a ''Bedroom''. KITCHEN GRANITE UPGRADED - ONE LEVEL installed in 2022, under-mounted sink. NEW HVAC 2024. Make sure to get this one on your list!

14825 Front Beach Road Unit 2003, Panama City Beach

Listing courtesy of Pineapple Properties.

$329,000

2 Beds ⋅ 2 Baths ⋅ 793145 MLS

Excellent price for same floor parking unit! Most popular floorplan at Shores and these floorplans make very good revenue. Shores of Panama is a premier luxurious resort and one of the best ROI's on the beach! Highly coveted plan at Shores of Panama, with a double balcony and master bedroom facing the gulf! Mid floor and one of the best views in this building. This unit has a same floor deeded parking spot literally right in front of the door. Stainless appliances, beautiful furniture and decor and completely turnkey. Shores of Panama is a 23 story Tuscany style condominium complex in the heart of PCB, and right next door to world famous Pineapple Willys restaurant. Shores of Panama has unbeatable amenities, including a massive gulf side pool and hot -tub, 2 tiki bars, indoor pool, garage parking, and a fitness center. Currently, Shores of Panama is undergoing a major exterior facelift, and will be so beautiful when complete, which will put your investment well ahead of the others in PCB. The new Florida Condo Requirements are fast approaching for other resorts in town, and Shores of Panama will be complete, ahead of the game, and ready to capitalize maximum profit. Once Shores facelift is complete, there will be no stopping it. It will be the premier place to be in PCB. The price tag on a beachfront superior unit like this will never be again. Don't miss this opportunity to capitalize on a ''buy now price''. Adding this to your portfolio will ensure years of ROI success. Rentals have continued to be strong during construction.

9900 S Thomas Drive Unit 1214, Panama City Beach

Listing courtesy of Emerald Coast Real Estate & Vacations LLC.

$449,000

2 Beds ⋅ 2 Baths ⋅ 793140 MLS

This gulf-front condo was fully renovated in 2025! It provides a highly-desired, modern, coastal design with a turnkey, vacation rental, 2 bedroom, 2 bath unit at Summerhouse, a favorite of owners and guests alike. With over $75,000 in renovations, this unit has remarkable upgrades with 20-mil LVP flooring throughout, beautiful tiled showers, marble countertops, new lighting, vanities, water heater and new roof HVAC system. Pair that with new modern, coastal furnishings and you'll see why this gulf-front condo unit rents so well on the desired on the east end of Panama City Beach. This unit is spacious at just under 1,100 square feet, has a beachfront primary suite and offers breathtaking direct Gulf views from your balcony, the pools and the most perfect sunsets. As you enter the unit, you're greeted with a light, bright corridor with wainscoting-clad walls and LVP that flows seamlessly through the unit. Both bathrooms have been completely modernized with stunning vertical tile in green hues that mirror the turquoise waters of the Gulf of America. Ample storage in new vanities and lighting make for a picture-perfect coastal design. The gulf-front primary suite offers incredible views and you'll wake up to the waves every morning from your bed. The guest suite offers multiple bedding options to maximize your rental, as well. The kitchen features a breakfast bar, marble countertops, stainless appliances and white cabinetry. You'll enjoy ample seating with a modern dining set and 4 counter stools at the breakfast bar. Thoughtfully designed with shiplap-clad walls, fun wooden surfboard decor and plenty of seating in the neutral, yet modern, coastal living room. Step out of the living room onto the spacious patio and let the indoor-outdoor experience of Florida we all love soak in. The primary suite offers a king bed where you'll actually get to relax at the beach. In-unit laundry is also a great convenience at the beach. Summerhouse is a top-rated, gulf-front resort in Panama City Beach and guests come back year after year because of the amenities. Summerhouse offers two beachfront pools, including one heated seasonally, a kiddie pool area, hot tub, tennis courts, pickle ball courts, game room with billiards and arcade, owners lounge, gazebo by the beachfront pool and plenty of parking. Step out of your unit and enjoy coffee and the seabreezes in the mornings then head to the beach for a day by the turquoise waters and sugar white sands. Summerhouse is positioned just right on the east end of the beach on Thomas Drive, just minutes from St. Andrews State Park, multiple marinas including dry boat storage, many waterfront dining establishments, local fishing charters, pontoon boat rentals, and shopping. If you're looking for a turn-key, short-term vacation rental and maximizing your income, this is the unit for you! No deferred maintenance, just income in your pocket. Not looking to rent? Owners love Summerhouse, as well, and there are many owners that utilize their condos as second homes and places for their families to getaway to the beach.

6505 Thomas Drive Unit 503, Panama City Beach

Listing courtesy of Corcoran Reverie.

$335,000

2 Beds ⋅ 2 Baths ⋅ 793121 MLS

HIGH FLOOR. GULF-FRONT PRIMARY SUITE. 30-FOOT BALCONY. Shores of Panama 2213 is a furnished Type C floor plan on the 22nd floor of Shores of Panama Resort in Panama City Beach, Florida, featuring one bedroom, a private bunk room, two full bathrooms, and accommodations for up to six guests. The Gulf-front primary suite includes a king-size bed, Gulf views, a private ensuite bathroom, and a renovated vanity with a granite countertop, updated mirror, and updated lighting. A barn door provides separation and privacy for the bunk room, while the adjacent full bathroom includes a stackable washer and dryer and a dehumidifier. The interior features luxury vinyl plank flooring throughout, coastal-inspired décor, updated light fixtures, flat-screen televisions, granite kitchen countertops, and abundant natural light. The oversized balcony extends more than 30 feet across the unit, providing elevated views of the Gulf, the resort's lagoon-style pool, and the surrounding coastline. The property generated $36,171 in gross rental income during 2025. Gross rental income for 2026 totaled $24,330 through June, excluding July, with the current pace positioned to meet or exceed the prior year despite owner use. Rental figures are provided for reference only and are not a guarantee of future performance. The HVAC system was installed in 2017, and the water heater was installed in 2018. This unit does not include a deeded parking space. Overflow parking is available throughout the resort parking garage, subject to resort rules and availability. Shores of Panama Resort features a large Gulf-front lagoon-style pool with zero-entry access, palm-lined islands, fountains, and a spacious hot tub. Additional amenities include resort-exclusive beachfront access, an indoor heated pool and hot tub, a 24-hour fitness center, a seasonal poolside Tiki bar, covered parking, complimentary Wi-Fi, and on-site security. Pineapple Willy's is adjacent to the resort, while Laketown Wharf across the street offers dining, retail, and entertainment options. Additional Panama City Beach attractions include Pirates Voyage Dinner & Show, Topgolf, McGuire's Irish Pub, and Tootsie's Orchid Lounge. Quarterly HOA dues are currently $3,491.71. All information, measurements, rental figures, availability, and HOA fees are deemed reliable but not guaranteed; buyer to verify if important.

9900 S Thomas Drive Unit 2213, Panama City Beach

Listing courtesy of Coldwell Banker Realty.

Panama City Beach Homes with Gulf Waterfront Features

Newest Panama City Beach Homes with Gulf Waterfront Features