Panama City Beach Homes with Lagoon Waterfront Features

Panama City Beach Homes with Lagoon Waterfront Features

Welcome to Panama City Beach, Florida—a stunning coastal paradise nestled in Bay County, where sun-kissed shores meet vibrant community life. Known for its breathtaking white sand beaches and crystal-clear emerald waters, this charming city is more than just a vacation destination; it’s a place to call home. With a warm, welcoming atmosphere and a plethora of outdoor activities, Panama City Beach offers a lifestyle that many dream of.

One of the most captivating features of this area is its exceptional homes with lagoon waterfront properties. Imagine waking up each day to the gentle sounds of water lapping against the shore and the sight of vibrant sunsets reflecting off tranquil lagoon waters. These unique homes provide not only stunning views but also direct access to a variety of water activities, from kayaking to paddleboarding.

Lagoon waterfront living in Panama City Beach combines the best of both worlds—serenity and adventure. Whether you’re enjoying a quiet evening on your deck or hosting a lively gathering with friends, these homes offer the perfect backdrop for creating unforgettable memories. The lush landscaping and thoughtfully designed spaces enhance the charm of these properties, making them ideal for families and retirees alike.

With a rich array of amenities, including nearby dining, shopping, and entertainment options, Panama City Beach is not just a place to live—it's a lifestyle. Discover the beauty and tranquility of lagoon waterfront homes in this enchanting coastal city, and embrace a life where every day feels like a vacation. Come explore your future in Panama City Beach!

Newest Panama City Beach Homes with Lagoon Waterfront Features

4100 Marriott Dr Unit UNIT 108, Panama City Beach
$429,900
2 Beds ⋅ 2 Baths ⋅ 1014916 MLS
Experience resort-style living in this beautifully updated, fully furnished 2-bedroom, 2-bath condo located in a highly sought-after gated, golf course community - Reflections at Bay Point. Perfect as a primary residence, second home, or income-producing short-term rental, this property offers the ideal blend of luxury, comfort, and investment potential--with rental bookings already in place that can convey. This spacious unit features updated flooring throughout, stainless steel appliances, and a bright, open-concept layout with soaring 12-foot ceilings that create an expansive feel. The large kitchen includes an island, perfect for entertaining or hosting guests. Just away from the living area offers generous storage, including a large interior closet and a lockable owner's closet for convenience. The primary suite is located on the first floor and is designed for privacy and comfort, featuring stunning views of the pool, water, and golf course. Enjoy a spa-like ensuite with a massive walk-in shower, dual vanities with granite countertops, updated fixtures, and separate his-and-her closets. The private guest bedroom is equally well-appointed with a large closet and access to a full bathroom with a tub/shower combo. See supplement for additional property and amenity details. Step outside to your screened-in patio with extra-high ceilings--ideal for outdoor dining and entertaining. The desirable 8-stack location offers additional porch space and elevated views overlooking the resort-style pool, water features, and golf course. Durable Polywood exterior furnishings are included, making this outdoor space both stylish and low-maintenance. Major system updates include a new HVAC (2025) and hot water heater (2022), along with a brand-new LG washer and dryer--providing peace of mind for years to come. This amenity-rich, gated community offers unmatched features including a championship golf course, tennis courts, marina access, on-site restaurants, full-service spa, private beach access, event center, and 24-hour security. Residents and guests enjoy a stunning oasis-style pool, heated pool, hot tub, cabanas, outdoor grilling areas, and multiple spaces designed for relaxation and entertainment. Whether you're searching for a turnkey investment property with proven rental potential or a luxurious coastal retreat, this condo checks every box.

4100 Marriott Dr Unit UNIT 108, Panama City Beach

Listing courtesy of Beach House Sales and Development.

23223 Front Beach Road Unit 333, Panama City Beach
$340,000
2 Beds ⋅ 3 Baths ⋅ 797253 MLS
Coastal Living Meets Lakeside Luxury at Pinnacle Port! Welcome to an exceptional opportunity to own a beautiful two-story condominium in the sought-after gated community of Pinnacle Port in Panama City Beach, Florida. Offering the best of both worlds, this unique property combines breathtaking Gulf-front views with the peaceful beauty of Lake Powell. Step inside and discover a spacious, inviting living area that opens onto a private Gulf-front balcony, where you can relax, unwind, and take in the stunning views of the emerald waters. The main level also features a well-appointed kitchen with a functional layout, perfect for entertaining family and friends or enjoying a quiet evening at home. Upstairs, you'll find two generously sized bedrooms, each offering its own special view. The guest bedroom captures beautiful views of the Gulf, while the primary bedroom features a private balcony overlooking the tranquil waters of Lake Powell. This distinctive layout provides a wonderful balance of comfort, privacy, and coastal charm. Pinnacle Port offers an impressive selection of amenities designed to complement the coastal lifestyle. Enjoy the peace of mind of a 24-hour gated community, along with access to a fitness center, pickleball court, basketball court, and playground. Boating and outdoor enthusiasts will appreciate the community boat dock and launch, as well as the fishing pier, providing convenient access to Lake Powell for fishing, kayaking, and enjoying the natural beauty of the area. The location is just as appealing, with convenient access to the renowned 30A corridor, local shopping, dining, and entertainment. Pier Park is just a short drive away, offering an abundance of shopping, restaurants, and attractions. You'll also enjoy the nearby Shops at Carillon and seasonal summer concerts in the park. Whether you're searching for a personal beach retreat, a second home, or an investment opportunity, this exceptional Pinnacle Port condominium offers a lifestyle that's hard to duplicate. Enjoy Gulf-front living, peaceful lake views, and resort-style amenities all in one incredible location. Don't miss your opportunity to own a piece of the beautiful Panama City Beach lifestyle!

23223 Front Beach Road Unit 333, Panama City Beach

Listing courtesy of Counts Real Estate Group Inc.

3207 Swordfish Dr, Panama City Beach
$1,170,000
4 Beds ⋅ 3 Baths ⋅ 1013996 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 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. Downstairs, the master suite and two additional bedrooms provide privacy and comfort. This home delivers a rare blend of coastal design, privacy, and unforgettable waterfront living!

3207 Swordfish Dr, Panama City Beach

Listing courtesy of Beachy Beach Real Estate.

7012 S Lagoon Dr, Panama City Beach
$815,000
3 Beds ⋅ 2 Baths ⋅ 1013877 MLS
Enjoy waterfront living in the desirable Lower Grand Lagoon area of Panama City Beach with this 3-bedroom, 2-bath home offering 50 feet of frontage on the lagoon and direct access to the Gulf. The property features a boathouse with a 10,000-lb boat lift, making it easy to enjoy boating, fishing, and days on the water right from your backyard. Inside, the home offers an open floor plan with a wood-burning fireplace, granite countertops in the kitchen and bathrooms, and an enclosed porch providing additional space for relaxing, entertaining, or creating a home office or game room. Recent improvements include new flooring and interior paint throughout, exterior paint completed in 2025, and roofs on both the home and boathouse replaced in 2022. The HVAC was serviced and the septic tank pumped in 2026. A detached one-car garage provides additional storage for beach and boating gear. For buyers needing even more space, a separate lot located approximately one block away is also available for purchase separately (MLS #796638 )and features a three-car garage--perfect for storing boats, vehicles, golf carts, and other toys or creating additional workspace. Conveniently situated near the beautiful beaches of the Gulf, local dining, shopping, and entertainment, this property offers easy access to everything Panama City Beach has to offer. Whether you're looking for a primary residence, vacation getaway, or investment opportunity, this property offers plenty of possibilities!

7012 S Lagoon Dr, Panama City Beach

Listing courtesy of Salty Marlin Realty.

6901 N Lagoon Dr Unit UNIT 37, Panama City Beach
$215,000
2 Beds ⋅ 2 Baths ⋅ 1013343 MLS
Life waterfront on Grand Lagoon is calling. This beautifully renovated, fully furnished, ground-floor condo is stunning. And with your boat never far away at the dock and the white sandy beach just a short drive down the road, this is an incredible second home or primary residence. This 2-bedroom, 2-bath home is truly move-in ready. Freshly renovated and furnishings included, start your mornings on the covered back patio with a cup of coffee before heading out on the water. The galley kitchen is bright and inviting, with white cabinets, stainless appliances and a decorative tiled backsplash. Gather for dinner and settle into the spacious living room after a long day of sun and salt air after being at the pool. Ground-floor living means no hauling beach gear, groceries, or fishing tackle up the stairs! Both bedrooms are generously sized with plenty of closet space, so there's room for guests to settle in comfortably. Both baths have been fully renovated with new tiled showers, new vanities, and new toilets. A full size washer and dryer are also included in the unit making it a great place to stay for long trips. With water views, furnishings included, this condo needs nothing but you! The best part waits just outside your door. Palisades offers a waterfront boat dock and fish cleaning station right on Grand Lagoon. Dock your boat, and you're a short cruise from Shell Island's crystal-clear shallows or the open Gulf for a day of fishing. Come back in with the catch of the day and clean it right on site. If fishing isn't your thing, grab a paddleboard or kayak and explore the calm waters of the lagoon, or head a few minutes to the World's Most Beautiful Beaches. In between adventures, cool off in the community pool, community pool play a match on the community tennis courts. Boat slips are first come, first served and you may leave your boat in the water as long as you'd like. Like to keep your boat in dry storage at Pirates Cove or Treasure Island just down the road? This is perfect to take your boat out of storage and keep it behind your own condo whenever you want! Some of Panama City Beach's most popular restaurants and waterfront hangouts are just minutes away, so sunset dinners and live music are always close by. Whether you're looking for a full-time home, a weekend escape, or a place to make your beach-life dreams come true, Unit 37 has it all. HOA fees include water, sewer, garbage, exterior insurance, community room, dock, pool, tennis, groundskeeping and cable.

6901 N Lagoon Dr Unit UNIT 37, Panama City Beach

Listing courtesy of Corcoran Reverie SRB.

8811 N Lagoon Drive, Panama City Beach
$1,750,000
3 Beds ⋅ 3 Baths ⋅ 796039 MLS
**Waterfront Boater's Paradise on North Lagoon!** Built in 2021, this beautifully appointed modular Affinity Homes Kingfisher model offers exceptional waterfront living on a notably generous 0.63-acre lot along North Lagoon. The home is being offered fully furnished with tasteful, carefully selected furniture, allowing the next owner to enjoy this exceptional waterfront property from day one. The expansive lot provides an abundance of outdoor space and is exceptionally spacious compared to many properties along North Lagoon. Designed for both everyday comfort and effortless entertaining, this two-story home features an elevator providing convenient access to the entire first floor. The open-concept main level seamlessly connects the living room, dining room, and kitchen, creating an inviting space for gathering. The living room features an electric fireplace and two sets of sliding glass doors that open to a balcony overlooking the lagoon. The kitchen offers electric stainless-steel appliances, granite countertops, and a large island. A first-floor bedroom with a unique hidden panel leading to additional storage, along with a full bathroom and laundry room, adds versatility and convenience to the main level. Upstairs, you'll find two additional bedrooms and two full bathrooms, including a spacious primary suite designed as a private retreat. The primary bedroom features an electric fireplace, comfortable sitting area, and two sets of sliding glass doors opening to a private balcony overlooking the lagoon. The primary bathroom offers a relaxing soaking tub and double vanity. Outside, the property truly shines with an in-ground saltwater pool featuring a sun shelf, professional landscaping, sprinkler system, and expansive outdoor spaces designed for entertaining. The covered backyard patio provides the perfect setting for outdoor dining, relaxing, and entertaining guests, with convenient direct access to the garage through an exterior door. A gravel path leads from the pool area to the dock and boathouse, where boating enthusiasts will appreciate the 16,000-pound boat lift. Additional features include a two-car garage with ample storage, electric gate, and fully fenced yard. With its exceptionally generous 0.63-acre lot, direct waterfront access, outstanding boating amenities, private pool, covered entertaining area, multiple balconies overlooking the lagoon, and thoughtfully designed living spaces, this exceptional North Lagoon property offers an incredible opportunity to embrace the ultimate waterfront lifestyle.

8811 N Lagoon Drive, Panama City Beach

Listing courtesy of Counts Real Estate Group Inc.

550 Wahoo Road, Panama City Beach
$3,150,000
6 Beds ⋅ 7 Baths ⋅ 794863 MLS
This is a property you must see to believe. With over 7,200 sq. ft. of heated and cooled living space, 6 bedrooms, 5 bathrooms, 2 half baths, an office, a theater room, entertainment area w/ built-in wet bar and an expansive outdoor oasis, this home can accommodate a very large amount of people comfortably. The grand foyer entrance sets the tone for the rest of the home with high ceilings & large window for plenty of natural light. Speaking of natural light, there are windows & glass doors along the entire back of the home offering beautiful views from almost every room w/ access to the first- and second-floor patios. Located on the 1st floor is the primary suite w/ a fireplace and massive bathroom. The bathroom features double vanities, a double entry walk-through tiled shower, stand-alone copper soaking tub, separate water closet, two walk-in closets that both have shelving & drawers built-in, plus an additional linen closet. Also, on the 1st floor, there is an additional large suite with private bathroom featuring a custom tile shower. The gourmet kitchen boasts plenty of counter space & cabinetry, breakfast nook, high-end Liebherr Refrigerator, beverage cooler, undercounter ice maker & a double drawer Monogram cooling center. Need to prepare for a large meal or big party? No problem! This kitchen has a professional-grade 5 Star gas stove w/ 6 burners, grill plate, griddle, decorative tile hood vent, double ovens w/ additional warming rack, separate undercounter warming rack built into the island, and a pot filler! Cleanup is a breeze w/ 3 separate sinks, including 1 farmhouse & 1 prep sink & 2 Bosch Silence Plus dishwashers. With a separate butler's pantry, half bath, wine cellar & formal dining room, you can feel confident hosting that big event, sports viewing, or any other get-together you may have! The open kitchen/living area is an entertainer's dream and the double-sided fireplace that is also shared w/ the office creates a nice ambiance. On the second floor, you are greeted at the top of the sweeping staircase w/ a 19' x 29' landing area complete w/ custom wet bar including a microwave, dishwasher, beverage cooler & undercounter ice maker. All this with beautiful water views & second-floor patio access. The second floor also features a 12-seat theater room w/ leather recliners, perfect for movie nights, gaming, or simply relaxing. There are 3 bedrooms on this floor, all offering a unique experience. One bedroom has its own private en suite, a steam shower center & access to the patio. Another bedroom has a cute reading nook & additional large room that could be used for storage, crafts or many other options. The last room on this floor would be great for guests w/ a full bathroom just outside of its door & access to the patio. The 3rd floor ''Eagle's Nest'' is another great flex area. It has a bedroom w/ private en suite, plus amazing views of the lagoon. Outside is breathtaking, w/ a beautifully landscaped yard that includes a paver stone terrace, two built-in paver fireplaces w/ matching seating built around them for enjoying those nice evenings sitting by the water. The pool w/ built-in hot tub & the outdoor wet bar are perfect for those hot summer days... grab a drink, jump in & cool off or warm up & relax in the spa. The seawall was redone within the last three years, and composite decking was added all the way around for hassle-free maintenance. With over $500,000 in upgrades & additions, this property offers a level of quality, functionality, and luxury that is truly hard to find. The laundry room has built-in cabinets, there is a home generator, an elevator, multiple storage closets, high ceilings, ceiling fans throughout, travertine floors, and a tile roof that is less than ten years old. This home has it all! Don't miss the opportunity to own this elegant home in the highly sought-after Bay Point Community. This is more than a home-it is an exceptional waterfront lifestyle.

550 Wahoo Road, Panama City Beach

Listing courtesy of Coastal Choice Realty LLC.

4726 Bay Point Rd Unit # D140, Panama City Beach
$240,000
1 Beds ⋅ 1 Baths ⋅ 1010669 MLS
Welcome to effortless coastal living in one of Panama City Beach's most established and sought-after communities, Bay Point. This one-bedroom condo is ideally situated right on the marina at Point South Marina, offering the kind of boating lifestyle that is hard to find. Step right outside your door and be just moments from your sportfishing boat, making early-morning offshore trips, sunset cruises, and days on the water incredibly convenient. Perfect as a primary residence, second home, or low-maintenance Panama City Beach getaway, this condo gives you more time to enjoy the lifestyle and less time worrying about upkeep. Its one-bedroom layout makes it easy to maintain while still giving you your own place at the coast. Living in Bay Point puts some of the best amenities in Panama City Beach right at your fingertips. Enjoy marina boating at Point South Marina, golf, tennis courts, a spa, restaurants, and more, all located within the neighborhood. For beach lovers, the white-sand beaches of Panama City Beach are approximately five minutes or less away. For boaters and sportfishing enthusiasts, the location is especially appealing. Imagine waking up, walking out of your condo, stepping aboard your boat at the marina, and heading out for a day of fishing without having to trailer your boat or drive across town. When you're back at the dock, you're already home. If you're searching for a waterfront condo near Point South Marina, a Bay Point condo for sale, a low-maintenance If you're searching for a waterfront condo near Point South Marina, a Bay Point condo for sale, a low-maintenance second home in Panama City Beach, or a coastal property that keeps boating, fishing, golf, dining, and the beach close by, this condo offers a lifestyle that's difficult to beat. Spend your mornings at the marina, your afternoons fishing, golfing, playing tennis, or relaxing on the beach, and your evenings enjoying dinner close to home. This is your opportunity to own an easy coastal getaway in Bay Point where the marina, your boat, and the best of Panama City Beach are right outside your door.

4726 Bay Point Rd Unit # D140, Panama City Beach

Listing courtesy of Salty Marlin Realty.

8204 S Lagoon Drive, Panama City Beach
$1,499,000
4 Beds ⋅ 4 Baths ⋅ 794408 MLS
Custom-built in 2024, 8204 South Lagoon offers a rare combination in Panama City Beach: deep-water frontage, a private dock and boathouse, and a location within walking distance to the Gulf. This 4BR/3.5BA home is well suited as a primary residence or second home. The open-concept kitchen, dining, and living area creates a bright and spacious main living space, highlighted by an impressive coffered ceiling in the living room. The kitchen features custom cabinetry, granite countertops, stainless steel appliances, a large center island with seating, and a custom wood vent hood. The home features tile and LVP flooring throughout, complemented by crown molding. Three bedrooms are located on the first floor, including a large primary suite with water views. The primary bath features double vanities and a custom tiled walk-in shower. Also on the first floor is a full bathroom with a large garden tub, along with an additional half bath. Of the two first-floor guest bedrooms, one features built-in shelving, while the other offers two closets plus additional under-stair storage. On the second floor, a spacious fourth bedroom features a vaulted ceiling and its own en-suite bathroom with a tiled walk-in shower. Outside, covered front and back porches extend the living space, while a pavered driveway and walkways, synthetic grass, and rock landscaping create a finished, low-maintenance exterior. The garage includes a separate built-out storage/tackle room for boating, fishing, and beach gear. The home also features fiber-cement siding with stone accents, impact-rated windows, and spray foam insulation. The waterfront is where this property really stands apart. The backyard is designed to enjoy the water and includes a large waterside tiki hut with a hot tub. The property features 58 feet of seawall, an expansive dock measuring approximately 80.5' × 23.5' × 44', and a 40' × 14' boathouse with boat lift. Deep-water access makes it easy to keep your boat on the lift just steps from the house and ready whenever you are. Grand Lagoon connects with St. Andrew Bay, providing boating access to the Gulf through St. Andrews Pass. With newer construction, deep-water boating access, low-maintenance outdoor spaces, no HOA dues, and a location within walking distance to the Gulf, 8204 South Lagoon offers a waterfront lifestyle and combination of features that is increasingly hard to find in Panama City Beach.

8204 S Lagoon Drive, Panama City Beach

Listing courtesy of Scenic Real Estate.

4726 Bay Point Road Unit C228, Panama City Beach
$355,000
1 Beds ⋅ 1 Baths ⋅ 794269 MLS
Waterfront Views & Beautifully Appointed Bay Point Condo Welcome to Harbour Villas at Bay Point, where breathtaking water views, resort-style amenities, and an exceptional location come together to create the perfect Panama City Beach retreat. This beautifully appointed 1-bedroom, 1-bath condo offers spectacular panoramic views overlooking Point South Marina and the Upper Grand Lagoon, with stunning sunsets right outside your door. The condo features an impressive renovation completed by the previous owner, with quality finishes and thoughtful design throughout. The kitchen showcases shaker-style cabinetry, custom countertops, a striking black tile backsplash, stainless steel appliances, a custom island with quartz countertop, and beautiful floating shelves. The spacious bedroom offers recessed lighting and a custom accent wall with detailed carpentry, while the beautifully finished bathroom features a double vanity with a distinctive blue quartz countertop, large walk-in shower, vessel tub, and elegant 12x24 marble tile. Just off the living area, a tucked-away sleeping nook provides an additional flexible space for overnight guests. The previous owners utilized the space with a trundle-style sleeper, making it a great option for guests or a cozy retreat without sacrificing the openness of the living area. The current owners have added their own beautiful finishing touch with high-end plantation shutters, providing both style and functionality while complementing the condo's coastal aesthetic. The condo is being sold unfurnished, giving the new owner the opportunity to bring their own furnishings and personal style to this exceptional waterfront retreat. Whether you're searching for a second home, a peaceful coastal getaway, or an investment opportunity, this condo offers an incredible combination of location, water views, beautiful finishes, and Bay Point amenities. Boating enthusiasts will appreciate the marina lifestyle and easy access to the water, while the panoramic views provide a spectacular backdrop for everyday living. Bay Point is a gated community with 24/7 roving security and is home to the Nicklaus Golf Course and Sheraton Resort. Come experience the best of Panama City Beach from a condo that combines beautiful water views, an enviable location, and a relaxed coastal lifestyle. This is a wonderful opportunity to own a special piece of Bay Point.

4726 Bay Point Road Unit C228, Panama City Beach

Listing courtesy of Keller Williams Success Realty.

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