Panama City Real Estate

Welcome to Panama City, Florida, a vibrant coastal gem nestled in Bay County, where the sun-kissed shores meet a lively community. Known for its stunning beaches, rich history, and warm hospitality, Panama City offers an idyllic lifestyle for both families and individuals seeking a slice of paradise.

Panama City boasts an impressive array of amenities that cater to all lifestyles. With its pristine white-sand beaches along the Gulf of Mexico, residents and visitors can enjoy a plethora of outdoor activities, from sunbathing and swimming to kayaking and fishing. The nearby St. Andrews State Park is a nature lover's dream, offering hiking trails, wildlife viewing, and breathtaking views of the coastline.

The city is also home to a thriving arts and culture scene. Explore local galleries, attend community events, or enjoy live music at one of the many venues scattered throughout the area. Food enthusiasts will delight in the diverse culinary offerings, ranging from fresh seafood to international cuisine, ensuring that every meal is a delightful experience.

Families will appreciate the excellent educational institutions and recreational facilities, while the friendly neighborhoods foster a strong sense of community. With a variety of housing options, from charming historic homes to modern waterfront condos, there's something for everyone in Panama City.

Whether you’re looking to settle down or invest in a vacation home, Panama City, FL, is not just a place to live; it’s a lifestyle filled with adventure, relaxation, and a vibrant community spirit. Come discover why Panama City is the perfect place to call home!

Newest Listings in Panama City

$240,000

2 Beds ⋅ 1 Baths ⋅ 795340 MLS

BOAT SLIP INCLUDED with this coastal living cozy condo 2-bedroom, 1-bath condo in Greenwood Estates, a peaceful waterfront community tucked along Panama City Beach's Grand Lagoon. With 720 square feet of thoughtfully designed living space, this charming second-floor residence is move-in ready and offers the added benefit of no neighbors above. Inside, the light and inviting layout features a comfortable living area, two spacious bedrooms, and the convenience of laundry located right inside the unit. A dedicated exterior storage room provides additional space for beach chairs, fishing gear, paddleboards, and all the extras that come with enjoying life near the water. Greenwood Estates offers a relaxed setting away from the busier tourist areas while keeping you close to everything Panama City Beach has to offer. Residents can enjoy a community pool, gated dock, and covered picnic and grilling pavilion overlooking the Grand Lagoon, an ideal setting for unwinding by the water, gathering with friends, or simply watching the boats pass by. The location is exceptional for anyone who loves the coastal lifestyle. Boating, fishing, kayaking, and paddleboarding are right at your fingertips, while the sugar-white sands of Panama City Beach are approximately five minutes away. Popular local restaurants including The Grand Marlin, Capt. Anderson's, and Schooners are also just a short drive from home, along with nearby marinas, shopping, and entertainment. Whether you're looking for a primary residence, a low-maintenance coastal getaway, or a long-term home near the water, this adorable condo offers an incredible opportunity to enjoy the Panama City Beach lifestyle in a quiet, established community. Greenwood Estates is an owner-occupant and long-term rental community. Short-term and vacation rentals are not permitted. Schedule your private showing and come see what makes this waterfront community such a special place to call home!

7813 N Lagoon Drive Unit 4E, Panama City

Listing courtesy of Realty One Group Emerald Coast.

$384,000

2 Beds ⋅ 2 Baths ⋅ 795339 MLS

2BR/2BA Gulf-front condo in Summerhouse, Panama City Beach. 120 sq ft balcony, 2 pools, short-term rentals allowed. Built 1983. This 2 bedroom, 2 bath Gulf-front condominium at Summerhouse Condo in the South Lagoon area of Panama City Beach offers 1,015 square feet and direct beach frontage at 6505 Thomas Drive. Built in 1983 and listed at $384,000, the unit allows short term rentals and is being sold furnished and is ''Suitcase Ready''. With 400 feet of Gulf frontage across the complex and onsite rental management, buyers comparing investment property, second home, or full time residence options can evaluate both rental flexibility and amenity depth. Inside, the layout balances durability with comfort, making everyday living or guest turnover easy. Tile flooring carries through the unit making cleanup quick and easy. Large sliding glass doors draw natural light into the living area and open directly to the balcony, keeping the Gulf view present even when you are indoors. The balcony itself offers comfortable space for seating creating a natural extension of the living area where mornings can begin with coffee overlooking the pools and shoreline and evenings can wind down with the sound of the Gulf in the background. The primary suite is positioned to capture Gulf views. Waking up to natural light and stepping directly outside is a feature buyers consistently value in true Gulf-front properties. The thoughtfully separated bedroom design places the guest bedroom and second bath apart from the primary suite, offering added privacy and flexibility for owners and visitors. A conveniently located laundry closet with a stackable washer and dryer provides everyday functionality while keeping the main living areas uncluttered. Summerhouse is an established beachfront community known for its extensive amenities and structured management. Two beachfront pools, including one heated seasonally, a kiddie pool, hot tub, tennis courts, pickleball courts, game room, owners lounge, Gulf-front gazebo, and onsite homeowners and rental office all contribute to a setting designed for both enjoyment and ease. Elevators are located throughout the complex for convenient access, and ample paved parking accommodates residents and guests. Owners are permitted to have pets in accordance with association guidelines, and service animals are permitted for guests as required. Monthly HOA dues of 1,212.15 include accounting, cable TV, HOA insurance, internet, legal, maintenance grounds, management, pest control, security, sewer, trash disposal, and water. Positioned on Thomas Drive near St. Andrews State Park and Grand Lagoon, the location offers quick access to boating, fishing, dining, and shopping while maintaining direct beach access. For buyers evaluating furnished, rental-eligible Panama City Beach condominiums, this Summerhouse unit combines true Gulf-front placement, established amenities, and a layout that supports both personal enjoyment and consistent rental appeal. SPECIAL NOTE: INTERIOR PHOTOS AND REMARKS WILL BE UPDATED AS SOON AS RENTERS CHECK OUT. THIS UNIT HAS BEEN TOTALLY UPDATED FROM TOP TO BOTTOM. THIS UNIT IS SELF-MANAGED BY THE OWNER AND PRODUCES OVER $50,000 IN RENTAL INCOME EACH YEAR. OWNER IS WILLING TO SHARE HIS ESTABLISHED GUEST LIST AT CLOSING Make this unit ''Your Summerhouse''.

6505 Thomas Drive Unit 403, Panama City

Listing courtesy of Counts Real Estate Group Inc.

$31,000

795331 MLS

Build you dream home or hold this property as an investment. This residential lot is located in a cul-de-sac in the desirable Sweetwater Village subdivision, with newly built homes nearby. Property information was obtained from the Bay County Property appraiser. Buyers are welcomed to conduct their own due diligence.

7205 Lake Suzzanne Lane, Panama City

Listing courtesy of Global Contact Realty, Inc.

$298,000

6 Beds ⋅ 3 Baths ⋅ 795330 MLS

Welcome to this incredible opportunity in the heart of historic The Cove! Offering one of the most generous floor plans in the neighborhood, this sprawling 6-bedroom, 3-bathroom residence spans an impressive 2,765 sq. ft. and sits on a sizable lot. Significant, peace-of-mind updates have already been completed, making this a fantastic find. Recent improvements include a fully updated plumbing system, a new water heater, refreshed exterior siding, updated steps, select new flooring, and newly repaired/replaced energy-efficient LED lighting throughout. Featuring a flexible layout with ample room to grow, entertain, or customize, the property also boasts a great covered porch and outdoor space. Enjoy the ultimate Panama City location just minutes from local schools, parks, dining, and downtown. Bring your personal touch to complete the final cosmetic touches and make this massive footprint your dream home or next great investment!

338 N Bonita Avenue, Panama City

Listing courtesy of The Premier Property Group.

$749,499

1011868 MLS

Exceptional opportunity for a new business venture, investment, or expansion of an existing operation! Situated on approximately 1.14 acres with an estimated 2025 traffic count of approximately 15,774, this highly visible property offers excellent exposure, flexibility, and a strategic location for a variety of potential commercial uses. The property is currently zoned C-1 Neighborhood Commercial with a Future Land Use designation of General Commercial (GCOM/GENCOM). Bay County's C-1 zoning provides for lower-intensity commercial uses serving surrounding areas, with allowable uses including certain retail, food service establishments, pharmacies, day care centers, florist/flower shops, clothing/novelty shops, convenience stores, and other uses as provided by Bay County regulations. The General Commercial Future Land Use designation adds another important consideration for an investor or business owner evaluating the property's long-term potential. Prospective buyers should consult Bay County regarding zoning, development requirements, and approval of any intended use. The structure offers approximately 3,067 square feet of heated and cooled space, providing numerous possibilities for commercial use. Select listing photos have been virtually staged to illustrate one possible medical or professional office configuration; however, the property is not limited to the uses depicted. The flexible interior layout provides an opportunity to customize the space to suit a buyer's specific business needs, subject to applicable approvals. Outside, the property offers additional advantages rarely found with a typical commercial space. The front provides potential for expanded parking, while the rear is enclosed by attractive white vinyl privacy fencing and offers an expansive area that could be utilized for company gatherings, employee breaks, outdoor entertaining, or other approved uses. The pond creates a distinctive backdrop, offering an attractive setting for employees, clients, and visitors. Additional features include an attached three-car garage offering valuable parking or storage space, oversized existing concrete parking, a durable metal roof, private well, septic system, and public sewer available roadside. Property is located in Flood Zone X. With approximately 4,930 total square feet, 1.14 acres, high visibility, commercial zoning, General Commercial Future Land Use, and room to adapt both the interior and exterior spaces, this property presents an exceptional opportunity for an owner-user or investor seeking maximum exposure and long-term potential. Buyer to verify traffic count, zoning, Future Land Use designation, allowable and conditional uses, utility availability, parking requirements, development requirements, and intended use with Bay County and other appropriate authorities. Square footage and measurements are approximate. If measurements are deemed important, please verify.

2742 E Hwy 390, Panama City

Listing courtesy of Think Real Estate.

$494,000

4 Beds ⋅ 2 Baths ⋅ 795324 MLS

Welcome home to this meticulously maintained custom residence in desirable North Shore, ideally located near a quiet cul-de-sac and convenient to shopping, dining, schools, and everyday amenities. Featuring a desirable split floor plan, this well-kept home offers an impressive list of recent upgrades and thoughtful improvements throughout. Major updates include a newer top-of-the-line Carrier HVAC system with gas heat, a high-output Rinnai tankless gas water heater that has been regularly flushed and maintained, and solid 1/2-inch bamboo hardwood flooring throughout much of the home. The kitchen is exceptionally well appointed with brand-new, never-used appliances, newly faced cabinetry with upper cabinetry recently replaced, granite countertops, a new sink, and a new Moen touch-activated faucet. Additional improvements include new rear French doors, a new entry door, and a recently painted interior. The living area is enhanced by a wood-burning fireplace with a granite hearth pad for added safety and a polished finished look. Both bathrooms have been tastefully updated. The guest bath features custom tile flooring, a granite vanity top, and a distinctive copper sink, while the remodeled primary bath offers attractive tile finishes and a spacious walk-in shower. Outside, the extended driveway provides ample room for additional vehicles, an RV, or ATVs while allowing the garage to remain available for primary vehicles. A heated gunite pool and spa, complete with new equipment and a newer gunite surface, create an inviting setting for relaxing, entertaining, and enjoying Florida living year-round. This well-equipped home also includes practical features that make routine upkeep easier and help preserve its well-maintained condition, including screened gutters. The garage is equipped with a 50-amp breaker and offers the option for air conditioning, providing added flexibility for use as a workshop, hobby space, or for additional comfort. With extensive upgrades, evident pride of ownership, and a fantastic North Shore location, this exceptional property is truly a wonderful place to call home. Call today to schedule your private showing. ALL MEASUREMENTS ARE APPROXIMATE AND SHOULD BE VERIFIED BY BUYER.

622 Mallory Drive, Panama City

Listing courtesy of CENTURY 21 Commander Realty.

$465,000

4 Beds ⋅ 2 Baths ⋅ 795320 MLS

Welcome to 3540 Cedar Park Lane in Panama City--where space, comfort, and outdoor living come together in one incredible property on cul-de-sac. This beautifully maintained 4-bedroom, 2-bathroom home offers a functional open layout perfect for both everyday living and entertaining This home was build by the amazing Suzanna Vickers where no detail is overlooked and no corner are cut. Inside, you'll find a spacious living area that flows seamlessly into the kitchen and dining space, creating the perfect gathering spot. The kitchen is equipped with quartz countertops and a Brand NEW refrigerator along with a stove and microwave that are just about a year old. The center kitchen island is the heart of the home. With four generously sized bedrooms, there's plenty of room for family, guests, or even a home office setup. The finishes chosen for this home are beautiful and must be seen in person. Two car garage for plenty of storage and oversized mudroom everyone will love. The primary suite is a true retreat, featuring a relaxing soaker tub--perfect for unwinding after a long day. Walk in closest to top it off. Step outside to your own private backyard oasis! The stunning 16x32 in-ground pool features an 8-foot deep end and will be just 3 years old in October. Designed for efficiency and easy maintenance, it includes a variable-speed pump, sand filter, and LED pool light for beautiful evening swims. This chlorine pool is also plumbed for a slide, offering even more potential for fun. Built for durability, it features heavy-duty galvanized steel walls and a poly stair tub. The spacious backyard is ideal for entertaining, relaxing, and making lasting memories with family and friends. Conveniently located near Tyndall Air Force Base, shopping, dining, and schools, this home offers the perfect blend of comfort, location, and lifestyle. Don't miss your chance to own this move-in ready home with all the upgrades and a backyard built to impress!

3540 Cedar Park Lane, Panama City

Listing courtesy of CENTURY 21 Ryan Realty Inc.

$31,000

795318 MLS

Vacant lot located on a quiet Cul-de-Sac, well maintained area, surrounded by newly built homes. This property offers an excellent opportunity to build a new home in an established and growing community or hold it as a long-term investment. Information has been obtained from the Bay County property appraiser; however, buyer is responsible for conducting their own due diligence,

7205 Lake Suzzanne Way, Panama City

Listing courtesy of Global Contact Realty, Inc.

$749,499

4 Beds ⋅ 3 Baths ⋅ 1011849 MLS

Spacious 4-bedroom, 3-bath home offering over 3,067 square feet of living space on approximately 1.14 acres with a peaceful pond view. With generous room sizes and a flexible floor plan, this home offers plenty of space to spread out, create a dedicated home office, or accommodate a variety of living needs. The main living area features a fireplace, while the well-appointed kitchen includes a double wall oven, U-shaped island, and abundant cabinet storage. A low-maintenance metal roof adds to the home's appeal. Step outside to a beautifully enclosed backyard featuring white vinyl privacy fencing and plenty of space for outdoor enjoyment. An expansive covered back patio provides an ideal setting for entertaining, dining, or simply relaxing, while a second, smaller covered area offers a peaceful spot to sit and enjoy the pond view. Together, the indoor and outdoor living areas provide exceptional space for entertaining and everyday enjoyment. An attached two-car garage with an additional attached utility garage provides plenty of room for vehicles and storage, while the oversized concrete parking area offers ample space for several additional vehicles. The home is serviced by a private well and septic system. Public sewer is available roadside. Adding to the property's versatility, the current zoning is C-1 Neighborhood Commercial with a Future Land Use designation of General Commercial (GENCOM). See commercial MLS for more info. Buyer to verify zoning, Future Land Use designation, utility availability, and permitted uses with the appropriate governmental authorities. If measurements deemed important, please verify.

2742 E Hwy 390, Panama City

Listing courtesy of Think Real Estate.

$325,000

1 Beds ⋅ 2 Baths ⋅ 795311 MLS

GULF-FRONT VIEWS + PRIVATE BEACH ACCESS! Welcome to Summit Beach Resort #207, a second-floor beachfront condo with a private balcony overlooking the sugar-white sands and emerald waters of Panama City Beach. Whether you're looking for your own beach escape or a vacation rental investment, this one puts you right where you want to be. The comfortable layout sleeps up to five with a king-size bed in the bedroom, two recessed bunk beds in the hallway alcove, and a queen-size sleeper sofa in the living room. Step outside to the balcony for your morning coffee, evening sunset or simply a front-row view of the Gulf. Summit Beach Resort offers an impressive lineup of amenities including private beach access, two pools, two hot tubs, fitness center, sauna, tennis, basketball, pickleball, shuffleboard, game room, BBQ area and picnic area. Seasonal amenities include the Tiki Bar and Bikini Bob's. The gated resort also offers 24/7 onsite security, elevators and private parking. Located on Thomas Drive, you're close to restaurants, entertainment and some of Panama City Beach's most popular attractions, including Ripley's Believe It or Not!, WonderWorks, ZooWorld and Signal Hill Golf Course. Pier Park is also just a short drive away. Beachfront location. Gulf views. Private balcony. Resort amenities. And a layout that makes the most of every square foot. Summit #207 is ready for its next chapter, whether that's yours or your guests'.

8743 Thomas Drive Unit 207, Panama City

Listing courtesy of EXP Realty LLC.

$499,000

4 Beds ⋅ 4 Baths ⋅ 795304 MLS

A RARE OPPORTUNITY TO BUILD A HOME THAT FEELS UNIQUELY YOURS. This exceptional to-be-built residence in Laird Point offers something increasingly difficult to find--a beautiful new home with the opportunity for the buyer to participate in the selection process before construction is complete. Rather than purchasing someone else's choices, the buyer can personalize many of the finishes that will define the home, including flooring, cabinetry, countertops, paint colors, tile, fixtures and other design elements, subject to builder allowances and construction timing. Select the finishes that reflect your own taste and create a home that feels personal from the day you move in. The thoughtfully designed floor plan combines sophisticated architecture with the comfort and functionally expected in a luxury new-construction home. And because the home is to be built, the opportunity exists now to make selections that simply aren't possible once a completed home comes to market. New construction. Your selections. Your style. Your home. For a buyer who appreciates the advantages of a brand-new residence but doesn't want a cookie-cutter home designed for someone else, this is an exceptional opportunity to create something distinctly their own in Laird Point. Just as exceptional as the home is its setting within Laird Point, a distinctive gated waterfront community offering privacy, natural beauty and the relaxed lifestyle of coastal Florida. This particular homesite enjoys an especially desirable location. The water is directly across the street, providing the beauty and atmosphere of a waterfront setting without being directly on the shoreline. Behind the property are the community tennis and pickleball courts, creating an unusually open setting with no future home ever to be built directly behind this residence---a tremendous advantage for a buyer who values privacy, openness and a lasting sense of space. Laird Point offers the serenity of a private gated community surrounded by water and natural Florida beauty, while remaining convenient to the shopping, dining, recreation and attractions of the Panama City area. Combine this exceptional setting with the opportunity to select your own flooring, cabinetry, countertops, tile, colors and finishes, and this becomes far more than an opportunity to purchase a new home. It is a rare chance to create a home that reflects your style, your preferences and the way you want to live---in one of the area's most distinctive waterfront communities. Amenities also include RV/Boat storage and greenspace with sitting area. Schedule your private tour of Laird Point today.

1004 Tidewater Lane, Panama City

Listing courtesy of Northwest Florida Realty, LLC.

$325,000

3 Beds ⋅ 2 Baths ⋅ 795301 MLS

Convenience, comfort, and room to enjoy everyday life come together at 614 Windy Lane in Panama City. This 3-bedroom, 2-bath brick home sits on approximately 0.39 acres on a cul-de-sac, while still putting Publix, Walmart, restaurants, shopping, and other everyday needs within walking distance. Step inside and you are welcomed by an open living space designed for both relaxing and gathering. Tile flooring runs through the main living areas, while the detailed tray ceiling with recessed lighting gives the room added character. A gas fireplace creates a natural focal point, whether you are spending a quiet evening at home or having friends over. The kitchen opens to the living and dining areas, making it easy to stay connected while cooking or entertaining. You will find plenty of cabinet and counter space, a breakfast bar for casual meals, and a tile backsplash that adds a finished look. The refrigerator, range/oven, microwave, and dishwasher are all included, so the kitchen is ready for everyday use from the start. The primary bedroom offers more than just a place to sleep. In addition to the main bedroom area, an open adjoining space gives you flexibility for a sitting area, reading nook, home office, dressing space, or whatever works best for your lifestyle. The primary bathroom features a double vanity, jetted tub, and separate shower. Two additional bedrooms offer even more flexibility for guests, work, hobbies, or additional living space. When you are ready to enjoy the outdoors, step onto the screened porch overlooking the fenced backyard. It is an inviting spot for morning coffee, an afternoon break, or winding down at the end of the day. The backyard provides room for outdoor activities, gardening, pets, or simply enjoying your own space. A two-car garage provides covered parking and additional storage. Other features buyers may appreciate include city water and sewer, no HOA, an approximately 4-year-old water heater, HVAC equipment that was serviced in 2025, and a transferable termite bond with Florida Pest Control. With its cul-de-sac location, brick exterior, screened porch, fenced yard, flexible primary suite, garage, and close proximity to shopping and dining, 614 Windy Lane offers a lot to enjoy in one convenient Panama City location.

614 Windy Lane, Panama City

Listing courtesy of LPT Realty LLC.

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