Panama City Beach Homes with Lake Front Waterfront Features

Welcome to Panama City Beach, Florida, where the sun kisses the sparkling waters of the Gulf of Mexico and the idyllic lifestyle awaits you. Nestled in Bay County, this vibrant coastal city is renowned for its stunning beaches, warm climate, and an abundance of recreational activities that cater to both adventure seekers and those looking for a peaceful retreat.

Panama City Beach is not just a destination; it’s a lifestyle. With miles of sugar-white sand and emerald-green waters, residents enjoy year-round access to outdoor activities such as fishing, boating, and kayaking. The area is also home to numerous parks, nature trails, and vibrant local markets that celebrate the rich culture and community spirit of the region.

One of the most sought-after features in this paradise is the availability of homes with lakefront waterfront properties. Imagine waking up each morning to the serene views of glistening lakes, where you can spend your days fishing or simply enjoying the tranquility of nature. These stunning homes offer a unique blend of luxury and comfort, with expansive outdoor spaces for entertaining and private docks for your watercraft.

Whether you’re looking for a vacation getaway or a permanent residence, Panama City Beach offers a diverse range of real estate options that cater to every lifestyle. Embrace the laid-back coastal charm and discover your dream home with breathtaking lakefront views in this enchanting city. Your slice of paradise awaits!

Newest Panama City Beach Homes with Lake Front Waterfront Features

$270,000

2 Beds ⋅ 2 Baths ⋅ 792810 MLS

Welcome to Laketown Wharf! This beautifully furnished 2-bedroom + bunk room, 2-bath condo is located on the 19th floor and offers over 1,260 square feet of spacious living. Enjoy an oversized private balcony overlooking the resort's lake, boardwalk, pools, and nightly fountain show, with Gulf views from the front bedrooms. Recent updates include new carpet, fresh paint, and newer kitchen appliances. Laketown Wharf offers resort-style amenities including multiple pools, hot tubs, fitness center, restaurants, beach access just across the street, and entertainment for the whole family. Whether you're looking for a primary residence, vacation getaway, or income-producing investment, this turnkey condo is ready to enjoy!

9902 S Thomas Drive Unit 1932, Panama City Beach

Listing courtesy of Legacy Premier Agency.

$749,900

1007919 MLS

16544 Front Beach Rd Rd, Panama City Beach

Listing courtesy of Emerald Coast Realty Group.

$329,000

3 Beds ⋅ 2 Baths ⋅ 1007690 MLS

Beautiful views of the Emerald Coast await you from this 3-bedroom, 2-bath condo! Master Bedroom features a king-size bed, private access to the oversized balcony, and large en-suite bathroom complete with a soaking tub, separate walk-in shower, and double vanities. Second bedroom offers a queen bed, and a separate bunk room includes twin size bunk beds. Nicely sized kitchen featuring upgraded stainless steel appliances, and functional island. Offering a complete vacation experience where you never have to leave the property, this resort features diverse dining options--ranging from a seafood buffet and tacos to a dedicated brunch spot--alongside premium entertainment at the on-site 810 Billiards & Bowling, which boasts bowling lanes, simulators, axe throwing, and an arcade. Guests can unwind across five spectacular pools, a gulf-view fitness center, a full-service salon, and a lakefront boardwalk featuring nightly music and light-choreographed water shows. Combining ultimate leisure with everyday convenience, the resort also offers covered parking, grilling areas, an adjacent Walmart, and beach access just steps away from the sugar-white sands. This fully furnished, spacious retreat is completely turn-key and rental-ready, making it a perfect personal beach getaway and/or well-performing investment property. All measurements are approximate and should be verified by buyer.

9860 S Thomas Dr Unit UNIT 1922, Panama City Beach

Listing courtesy of Anchor Realty Florida.

$389,000

1 Beds ⋅ 1 Baths ⋅ 792594 MLS

LAKEVIEW coastal condo and 1/4 mile to the beach offering a rare combination of privacy, location, and true livability. This first-floor, end-unit residence (1 bed / 1 bath, 800 sq ff) features a wrap-around porch with direct views of Lake Powell and an everyday connection to the water-sunrise light pours through the bedroom in the morning, while afternoons and evenings open onto expansive lake views and stunning sunsets. The porch functions as a true extension of the home and is used year-round, with steady views of paddleboarders, boats, and local wildlife in a setting that remains peaceful without feeling isolated. Also, this building is also not subject to Florida's Milestone Inspection requirements which has helped keep long term costs more stable and predictable compared to many condo buildings throughout the state. Inside, the unit was fully renovated in 2016 with a cohesive coastal design and an emphasis on open, functional space. This was a complete renovation rather than incremental updates, and the result is a turnkey interior with no deferred maintenance or cosmetic projects required. The community sits in a highly desirable location-approximately 1/4 mile from our beautiful Gulf beaches, 1.5 miles from 30A and the Rosemary Beach corridor (including Alys Beach, Seaside, Grayton Beach, and WaterColor), and about 5 miles from Pier Park. This positioning allows easy access to dining, shopping, and entertainment while avoiding the congestion and intensity of staying directly within those high-traffic areas. The property is part of a small, 10-unit building known for its quiet, respectful atmosphere. Short-term rentals are permitted, and the community has a strong rental history with consistent five-star guest experiences and no reported neighbor issues. The scale and expectations of the building contribute to a stable and well-functioning environment. Community amenities include two swimming pools, a community dock, and a boat ramp on Lake Powell, supporting both recreation and waterfront access. The association has been actively maintained with an exterior renovation completed in 2019 and pool updates in 2022. Financial management has remained consistent, with stable dues over the years and transparent operations. The building is also not subject to Florida's Milestone Inspection requirements which has helped keep long term costs more stable and predictable compared to many condo buildings throughout the state. This condo offers a grounded, residential feel in a location that provides access to the best of the Emerald Coast without the associated congestion.

24400 Panama City Beach Parkway Unit 205, Panama City Beach

Listing courtesy of Regional Trust Corporation.

$329,000

1 Beds ⋅ 2 Baths ⋅ 1007288 MLS

One of the few opportunities currently available at Pinnacle Port with an EXCEPTIONAL rental history, this beautifully maintained condo offers an impressive calendar of bookings (almost every day turn around!), outstanding 5-star guest reviews, and a loyal base of returning visitors year after year. Those are most valuable trades in vacation rental business that is already established for this property! Professionally staged(yes, owner paid for it!), fully furnished, and truly turnkey, it's ready to continue its success as a high-performing vacation rental or become your own private coastal retreat. Finally, a waterfront property where you don't have to choose between the Gulf and the lake. Here, you can enjoy breathtaking Gulf sunsets from your living room while overlooking the peaceful waters of Lake Powell from the dining area and primary suite - a combination so rare that it truly sets this condo apart. Inside, the thoughtfully updated interior features an open-concept kitchen with granite countertops, a breakfast bar, and spacious living areas designed for entertaining. Upstairs, the loft has been transformed into a private retreat with a custom stone and tile shower and a sliding barn door, creating a flexible space for owners and guests. Unit perfectly located in the center of the building at perfect height, and close to the elevator! Pinnacle Port is one of Panama City Beach's most unique waterfront communities, tucked behind the gates of Carillon Beach on 25 acres where the Gulf of America meets Lake Powell-Florida's largest coastal dune lake and one of the world's rare ecosystems where freshwater naturally connects with the Gulf. Spend your mornings watching dolphins offshore, your afternoons boating or fishing on the lake, and your evenings enjoying spectacular sunsets--all without leaving the community. Residents enjoy two pools, tennis and pickleball courts, a fitness center, sauna, private marina with boat slips and boat launch, fishing dock, and direct beach access. Bordering Camp Helen State Park, you'll also enjoy miles of preserved coastline, hiking trails, kayaking, wildlife, and one of the most peaceful stretches of beach along the Emerald Coast. Just minutes from the boutiques, restaurants, and entertainment of 30A, Rosemary Beach, Alys Beach, and Pier Park, Pinnacle Port feels like a secluded island retreat while remaining close to everything the Emerald Coast has to offer. An added bonus? Association dues include electricity for heating, cooling, and hot water, helping keep ownership costs more affordable.

23223 S Front Beach Dr Unit #737, Panama City Beach

Listing courtesy of Top Producers Real Estate Group.

$339,900

3 Beds ⋅ 2 Baths ⋅ 792391 MLS

Experience coastal living at its finest in this beautifully updated 2-bedroom + bunk room, 2-bath condo at Laketown Wharf Resort. This turn-key property is fully furnished and already performing as a strong rental, offering an exceptional opportunity for investors or those seeking a stylish second home with income potential. The décor blends calming tones of blue, white, and gray with subtle splashes of color, creating a bright, inviting atmosphere from the moment you walk in. The open living area is filled with natural light and flows seamlessly onto a spacious balcony overlooking the serene lake and resort surroundings. The primary suite also offers balcony access along with a generously sized ensuite featuring dual vanities, a soaking tub, and a separate walk-in shower. The guest bedroom and bunk room share a second full bath with a tub/shower combo, allowing the condo to sleep six comfortably and accommodate up to eight guests. The kitchen is both functional and stylish, showcasing white cabinetry, a sleek gray tile backsplash, granite countertops, stainless steel appliances, LED lighting, and a breakfast bar ideal for casual dining or entertaining. Additional updates include new luxury vinyl plank flooring throughout and upgraded appliances, ensuring a clean, modern feel throughout the space. Laketown Wharf delivers an impressive resort experience with multiple pools, a lakefront boardwalk, a Gulf-view fitness center, onsite dining, nightly fountain and light shows, and direct beach access just across the street. Its prime location places you steps from restaurants, shopping, and the iconic sugar-white sands of Panama City Beach. HOA dues include water, sewer, cable, WiFi, and access to all resort amenities (electric billed separately). Offering strong rental history, stylish updates, and a turn-key setup, this condo is a standout opportunity in one of PCB's most popular vacation destinations. Ready for immediate enjoyment or continued rental success.

9860 S Thomas Drive Unit 209, Panama City Beach

Listing courtesy of Local Insight Realty.

$415,000

3 Beds ⋅ 2 Baths ⋅ 1007231 MLS

Welcome to a wonderful starter or next-home with 3 bedrooms, 2 bathrooms and backyard space to get creative, this home offers an incredible opportunity for both investors and families seeking a beachside getaway or staycation type lifestyle. Renovation done in 2018, included new flooring throughout the home, new appliances, and a new hot water heater (2018) and HVAC (2020). For those looking to invest, this property's prime location is less than a mile from the beach and the infamous Pier Park (public access 56), ever-growing and drawing events like Gulf Coast Jam, Florida Jeep Jam, and Thunder Beach along with holiday festivities like July 4th Fireworks (from Russell-Fields Pier) and Musical Acts for all to enjoy via Aaron Bessant Park's Summer Series! The lakefront setting make it an irresistible choice for vacationers seeking a memorable stay. Enjoy excellent cash flow and a steady stream of guests year-round. Walk through the property virtually via video tour and explore the Before/After AI enhanced images for some alternate interior designs. Act fast for this chance to own a slice of paradise, and begin the creation of lasting memories in one of Florida's most sought-after destinations!

101 Villa Ct, Panama City Beach

Listing courtesy of The Premier Property Group Seacrest Office.

$329,000

1 Beds ⋅ 2 Baths ⋅ 792352 MLS

One of the few opportunities currently available at Pinnacle Port with an EXCEPTIONAL rental history, this beautifully maintained condo offers an impressive calendar of bookings (almost everyday turn around!), outstanding 5-star guest reviews, and a loyal base of returning visitors year after year. Those are most valuable trades in vacation rental business that is already established for this property!. Professionally staged( yes, owner paid for it!), fully furnished, and truly turnkey, it's ready to continue its success as a high-performing vacation rental or become your own private coastal retreat. Finally, a waterfront property where you don't have to choose between the Gulf and the lake. Here, you can enjoy breathtaking Gulf sunsets from your living room while overlooking the peaceful waters of Lake Powell from the dining area and primary suite - a combination so rare that it truly sets this condo apart. Inside, the thoughtfully updated interior features an open-concept kitchen with granite countertops, a breakfast bar, and spacious living areas designed for entertaining. Upstairs, the loft has been transformed into a private retreat with a custom stone and tile shower and a sliding barn door, creating a flexible space for owners and guests. Unit perfectly located in the center of the building at perfect height, and close to the elevator! Pinnacle Port is one of Panama City Beach's most unique waterfront communities, tucked behind the gates of Carillon Beach on 25 acres where the Gulf of America meets Lake Powell - Florida's largest coastal dune lake and one of the world's rare ecosystems where freshwater naturally connects with the Gulf. Spend your mornings watching dolphins offshore, your afternoons boating or fishing on the lake, and your evenings enjoying spectacular sunsets--all without leaving the community. Residents enjoy two pools, tennis and pickleball courts, a fitness center, sauna, private marina with boat slips and boat launch, fishing dock, and direct beach access. Bordering Camp Helen State Park, you'll also enjoy miles of preserved coastline, hiking trails, kayaking, wildlife, and one of the most peaceful stretches of beach along the Emerald Coast. Just minutes from the boutiques, restaurants, and entertainment of 30A, Rosemary Beach, Alys Beach, and Pier Park, Pinnacle Port feels like a secluded island retreat while remaining close to everything the Emerald Coast has to offer. An added bonus? Association dues include electricity for heating, cooling, and hot water, helping keep ownership costs more affordable.

23223 Front Beach Road Unit A-737, Panama City Beach

Listing courtesy of Top Producers Real Estate Group.

$225,000

1 Beds ⋅ 2 Baths ⋅ 792255 MLS

FIRST FLOOR UNIT 113 - SKIP THE ELEVATORS! Great Investment Opportunity | Rental-Ready | Clean & Comfortable This spacious 1-bedroom, 2-full-bath condo with a bunk room comfortably sleeps up to 6 guests, making it the perfect family getaway. Located at Laketown Wharf Resort in Panama City Beach, this unit sits in the heart of all the action. Enjoy stunning lake and boardwalk views from your private balcony, with beach access just steps away. Resort Amenities: 5 swimming pools Splash Bar & Grill Putting green Pickleball court Fitness center with brand-new equipment with Gulf views Climate-controlled storage units on site On-Site Dining & Retail: Multiple restaurants on the ground floor, including a seafood buffet, tacos, pizza, BBQ and more T-Shirt & Souvenir Shop Tipsy Turtle Daiquiri Shop Hair Salon Ice Cream Shop 810 Bowling & Billiards Walmart is conveniently located right across the street. You'll also find plenty of additional entertainment, dining, and attractions within easy walking distance. Additional Highlights: Clean, secure, and exceptionally well-maintained condo and grounds 24-hour security A front desk in a large lobby Two oversized parking garages with ample space year-round Ideal for short-term or long-term rentals Owners can bring their pets

9860 S Thomas Drive Unit 113, Panama City Beach

Listing courtesy of Coastal Living Realty & Associates.

$589,900

3 Beds ⋅ 3 Baths ⋅ 792145 MLS

Dream Lakefront Living in Panama City Beach - New Construction with up to $10,000 Seller Closing Cost Assistance or Rate Buy-Down! Step into your coastal dream at this exquisite brand-new two-story home at 229 Lullwater Drive. Offering 1,817 sq ft of sophisticated living space, this gem boasts 3 generous bedrooms, 2.5 elegant baths, and a main-level primary suite that blends comfort with style. Quality details include hurricane-impact windows & doors, spray-foam roof deck insulation, Taexx pest control, reclaimed-water irrigation, gutters, wrap-around fencing, and an oversized 1-car garage. Benefit from NO HOA, no flood zone, and an unbeatable location -- walking distance to the beach and minutes from Pier Park and Frank Brown Park. Includes 1-year builder warranty and transferable termite bond. Perfect as a primary residence, second home, or long-term investment. This fresh listing is move-in ready and waiting for you. Don't wait -- schedule your private tour today and claim your slice of paradise!

229 Lullwater Drive, Panama City Beach

Listing courtesy of Keller Williams Success Realty.

$589,900

3 Beds ⋅ 3 Baths ⋅ 792142 MLS

Waterfront Luxury on Lullwater Lake - Brand New Home with up to $10,000 in Seller Closing Cost Assistance or Rate Buy-Down! Imagine waking up to serene lakefront living in this stunning, brand-new two-story home at 227 Lullwater Drive in beautiful Panama City Beach. This 1,817 sq ft masterpiece features 3 spacious bedrooms, 2.5 designer baths, and a luxurious main-level primary suite. Built with quality features including hurricane-impact windows & doors, spray-foam roof deck insulation, Taexx in-wall pest control, reclaimed-water irrigation, gutters, wrap-around fencing, and an oversized 1-car garage. Enjoy true freedom with NO HOA fees and no flood zone. You're within walking distance to the beach, minutes from Pier Park, and close to Frank Brown Park's recreation facilities. This fresh listing comes with a 1-year builder warranty and transferable termite bond. Perfect as a primary residence, second home, or long-term investment. Schedule your private tour today and claim your slice of paradise!

227 Lullwater Drive, Panama City Beach

Listing courtesy of Keller Williams Success Realty.

$649,000

3 Beds ⋅ 3 Baths ⋅ 1006806 MLS

TRUE LAKE-FRONT in Lakeside Lodge at Prospect Point. 3BD/3Bth. Lake-front Master Bedroom. GAS COOKING. Tons of upgrades, beamed ceilings with stained wood above. FULLY FURNISHED. Jerusalem Stone bathroom counter tops. The finishes in Wild Heron are top of the line. $13,000 HVAC REPLACEMENT. Go and see it for yourself and you'll fall in love. Lakeside Lodge had access the Wild Heron amenities as well as a private pool & hot tub just for the Lakeside Lodge owners. NEW HOT WATER HEATER - 2026.

1101 Prospect Promenade Unit 102, Panama City Beach

Listing courtesy of Pineapple Properties.

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