Panama City Homes with Gulf Waterfront Features

Welcome to the vibrant and picturesque Panama City, Florida, a hidden gem nestled in Bay County along the stunning Gulf Coast. Known for its pristine beaches, friendly atmosphere, and rich cultural tapestry, Panama City serves as an ideal destination for those seeking a coastal lifestyle filled with sunshine and adventure.

Imagine waking up to the sound of waves gently lapping at the shore, the salty breeze filling your home with a refreshing ambiance. Our Gulf waterfront properties offer just that and more! With a variety of homes boasting direct access to the shimmering waters, you can indulge in a lifestyle where beach days and sunset strolls become your everyday reality.

Panama City is not just about breathtaking views; it’s also a community brimming with activities and amenities. From vibrant local markets and delightful dining options to thrilling water sports and serene nature trails, there’s something for everyone. Families will appreciate the excellent schools and parks, while retirees can savor the laid-back atmosphere and friendly neighbors.

Whether you’re looking for a cozy beach cottage, a luxurious waterfront estate, or a modern condo with panoramic views, Panama City has an array of real estate options to suit your needs. Embrace coastal living and discover the charm of Panama City, where your dream home awaits amidst the stunning backdrop of the Gulf of Mexico. Let the adventure begin – your slice of paradise is just a call away!

Newest Panama City Homes with Gulf Waterfront Features

$384,000

2 Beds ⋅ 2 Baths ⋅ 795339 MLS

2BR/2BA Gulf-front condo at Summerhouse in Panama City Beach. Furnished, updated, short-term rental eligible with a 120 sq ft balcony. Unit 403 offers 1,015 sq ft of Gulf-front living with direct Gulf views and the flexibility to use the property as a primary residence, second home, or rental property. Built in 1984 and located at 6505 Thomas Drive, this furnished condominium combines beachfront ownership with established community amenities and short-term rental eligibility. Inside, tile flooring provides a practical foundation for beachside living, while large sliding glass doors bring natural light and Gulf views into the living area and open directly to the balcony. The primary bedroom is positioned Gulf-front, offering waterfront views from the bedroom. A split-bedroom layout separates the second bedroom and bath from the primary suite, and a laundry closet with stackable washer and dryer adds everyday convenience. The unit is being sold furnished and has been updated from top to bottom. Summerhouse provides approximately 400 feet of beach frontage along the Gulf of Mexico. Community amenities include two beachfront pools, including one heated seasonally, a kiddie pool, spa/hot tub, tennis courts, game room, community room, Gulf-front gazebo and pavilion areas, grills, elevators, security, and onsite association and rental management. Short-term rentals are allowed, giving buyers flexibility when considering personal use and rental potential. The current owner self-manages the unit and reports more than $50,000 in annual rental income, with an established guest list the owner is willing to share at closing. Past rental performance is not a guarantee of future results, and buyers should independently evaluate rental history, expenses, management options, and applicable association requirements. Monthly HOA dues are $1,212.15 and include accounting, cable TV, association insurance, internet, legal services, grounds maintenance, management, pest control, security, sewer, trash disposal, and water. Positioned on Thomas Drive near St. Andrews State Park and Grand Lagoon, Summerhouse offers direct beach access along with convenient proximity to boating, fishing, dining, and shopping. For buyers comparing furnished, Gulf-front Panama City Beach condos with short-term rental eligibility, Unit 403 brings together direct waterfront placement, an updated furnished interior, established amenities, and documented rental history. 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.

$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.

$570,000

3 Beds ⋅ 3 Baths ⋅ 795286 MLS

Shores of Panama 1728 is a freshly rejuvenated 3-bedroom, 3-bathroom Gulf-front condo on the 17th floor of one of Panama City Beach's best-known towers. Living space opens to Gulf views--emerald water, white sand, and the lagoon pool below--so mornings start on the balcony and evenings end on that same horizon. A bunk-hall addition adds extra beds in a dedicated nook so the unit sleeps a full family without crowding the three primary suites. Three full baths make it easy to book groups that want both privacy and capacity. The resort sells the stay. Shores of Panama centers on a nearly 14,000-square-foot lagoon-style pool with zero-entry, fountains, and a tropical deck. Add an indoor heated pool and hot tubs, a lobby coffee shop, seasonal tiki bars, and a convenience-style concession so guests skip the car for snacks. Covered parking, fitness, and private beach access round it out. You're next door to Pineapple Willy's, across from Walmart, and minutes from 810 Billiards & Bowling, Ripley's, Thomas Drive nightlife, and Pier Park. Location and amenities keep occupancy high.

9900 S Thomas Drive Unit 1728, Panama City

Listing courtesy of Christies International Real Estate Emerald Coast.

$619,000

2 Beds ⋅ 2 Baths ⋅ 795243 MLS

9450 S Thomas Drive Unit 1701A, Panama City

Listing courtesy of Beach Haven Realty.

$585,000

2 Beds ⋅ 2 Baths ⋅ 795241 MLS

You're one decision away from living where everyone else vacations! Welcome to Sunrise Beach Resort, a premier GULF-FRONT DESTINATION in the heart of Panama City Beach, where breathtaking views, resort-style amenities, and the sugar-white sands of the Emerald Coast are right outside your door. Located on the 19TH FLOOR, this beautifully appointed 2-bedroom, 2-bath GULF-FRONT RESIDENCE offers an additional private bunk room and comfortably accommodates up to 8 guests. From the moment you step inside, expansive Gulf views take center stage. The open living area features oversized windows, coastal-inspired finishes, tile flooring, comfortable furnishings, and a PRIVATE BALCONY perfectly positioned for morning coffee, afternoon relaxation, or unforgettable Gulf sunsets. The Gulf-front primary suite offers stunning water views, a king-size bed, generous closet space, and a private en-suite bathroom with a luxurious glass-enclosed shower. The spacious second bedroom features a queen bed, while the separate bunk room includes a twin-over-full bunk, creating a versatile space for children, guests, or additional sleeping accommodations. A queen-size sleeper sofa in the living room provides even more flexibility. The kitchen is fully equipped for both everyday living and entertaining, with ample cabinetry, full-size appliances, and everything needed to prepare meals without ever leaving the comfort of your beachfront retreat. The residence is being offered FULLY FURNISHED, including the washer and dryer, making it truly turnkey for personal use or rental purposes. Adding even more functionality is a SEPARATE DEEDED STORAGE CLOSET on the same floor, (valued at $15K) providing valuable space for beach gear, owners' belongings, and recreational equipment. Beyond your front door, Sunrise Beach Resort delivers the amenities buyers come to the beach for--TWO GULF-FRONT SWIMMING POOLS, HOT TUBS, CHILDREN'S SPLASH AREA, GULF-FRONT FITNESS CENTER, COVERED PARKING GARAGE, UNLIMITED PARKING, AND DIRECT BEACH ACCESS. The resort's location places you just minutes from Pier Park, restaurants, shopping, entertainment, fishing, water sports, and family attractions. NORTHWEST FLORIDA BEACHES INTERNATIONAL AIRPORT (ECP) IS APPROXIMATELY 14 MILES AWAY, making this an easy-to-reach destination for owners and guests. Whether you're searching for a Gulf-front getaway, investment opportunity, second home, or your own piece of paradise, this is your opportunity to stop vacationing here and start owning here.

14825 Front Beach Road Unit 1909, Panama City

Listing courtesy of Think Real Estate.

$259,000

1 Baths ⋅ 795209 MLS

GROUND FLOOR + POOLSIDE CONVENIENCE! This beautifully situated ground-floor studio at Top of the Gulf puts you just steps from the resort pool and Gulf-front beach--no elevators, no stairs, just easy access to everything you came to Panama City Beach to enjoy! Unit 101 offers a convenient layout with two queen beds plus a set of bunk beds in the hallway, comfortably accommodating all your guests. Whether you're looking for a personal beach getaway, a vacation rental investment, or both, this location makes enjoying the beach incredibly easy. Top of the Gulf offers a beachfront pool, children's pool, fitness center, game room, shuffleboard, seasonal snack bar, laundry facilities, on-site parking and direct access to the beautiful Gulf beaches. And when you're ready for food, drinks and live entertainment, Tootsie's Orchid Lounge is right next door! You're also close to shopping, restaurants, attractions and everything Panama City Beach has to offer. Ground floor. Poolside. Beachfront. And steps from the action. It doesn't get much more convenient than this!

8817 S Thomas Drive Unit 101, Panama City

Listing courtesy of EXP Realty LLC.

$1,350,000

3 Beds ⋅ 3 Baths ⋅ 795199 MLS

EXPANSIVE 2,274 SQ. FT. GULF-FRONT RESIDENCE AT STERLING BEACH! Experience the space and comfort of a true coastal home combined with breathtaking Gulf-front living in this spacious 3-bedroom, 3-bath residence. Floor-to-ceiling windows showcase sweeping views of the emerald-green waters and sugar-white sands of Panama City Beach, filling the living spaces with natural light and putting the Gulf on display from the moment you walk through the door. Offering an impressive 2,274 square feet, this spacious floor plan provides plenty of room to gather, entertain and relax while still offering privacy for family and guests. The open-concept living and dining areas flow seamlessly into the beautifully appointed kitchen featuring a large granite island, stainless steel appliances, custom cabinetry and abundant workspace and storage. The Gulf-front primary suite is a private retreat featuring its own balcony, beautiful water views and a spacious ensuite bath with an oversized walk-in shower, dual vanities and upscale finishes. Two generously sized guest bedrooms and additional baths provide comfortable accommodations for family and visitors, making this residence an exceptional choice as a primary home, second home or vacation retreat. Tile flooring, crown molding, recessed lighting and timeless architectural details complement the home's coastal style, while expansive windows and multiple outdoor spaces allow you to enjoy the Gulf views that make this residence so special. Currently participating in a vacation rental program with a strong booking history, Unit 301 also offers an attractive opportunity for buyers looking for a Gulf-front second home with established rental appeal. Rental history and additional information are available upon request. Sterling Beach offers more than 300 feet of pristine Gulf frontage along with an impressive collection of resort-style amenities, including a spectacular 4,000 sq. ft. beachfront pool, seasonally heated spa, fitness center, private 48-seat theater and convenient beach access. Ideally located on the quieter east end of Panama City Beach along sought-after Thomas Drive, Sterling Beach is just minutes from St. Andrews State Park, marinas, boating and fishing, waterfront dining, shopping and many of the area's favorite local destinations. If you've been searching for a Gulf-front property that offers the SPACE of a home, the VIEWS of a beachfront retreat and the AMENITIES of a luxury resort, Sterling Beach Unit 301 deserves to be at the top of your list. Schedule your private showing and experience this exceptional Gulf-front residence for yourself.

6627 Thomas Drive Unit 301, Panama City

Listing courtesy of Keller Williams Realty Emerald.

$1,199,999

3 Beds ⋅ 3 Baths ⋅ 795051 MLS

Experience true Gulf-front living with this rare 3-bedroom, 2.5-bath beachfront townhome with Hall bunks located directly on the sand in the heart of Panama City Beach and with NO HOA. Forget elevators, parking garages, and hauling beach gear across a resort. Here, you can simply step off your private back deck and onto the sugar-white sand of the Gulf of Mexico. This property has been used as a second home and has been exceptionally well cared for, offering buyers a move-in-ready coastal retreat with the added potential to become an amazing short-term rental investment. The spacious three-bedroom layout provides plenty of room for family, guests, or vacationers. Enjoy morning coffee with the sound of the waves, spend your afternoons soaking up the Florida sunshine, end the day with sunset walks along the beach or a glass of wine and hot tub time just steps from your door. Centrally located along Front Beach Road, you are convenient to some of Panama City Beach's favorite restaurants, shopping, entertainment, and attractions while still enjoying the privacy and character of a true beachfront home. Whether you are looking for a second home, full-time beach residence, or a property with strong vacation-rental appeal, this one checks some very hard-to-find boxes. Direct Gulf frontage, private beach access, three bedrooms, NO HOA, and the opportunity to create an incredible PCB short-term rental.

10999 Front Beach Road Unit 6, Panama City

Listing courtesy of Dalton Wade Inc.

$1,250,000

3 Beds ⋅ 3 Baths ⋅ 795046 MLS

3BR/3BA Gulf-front condo at Sterling Beach in Panama City Beach. 34 feet of floor-to-ceiling glass, 12-foot ceilings and covered parking #15. From the moment you arrive at Sterling Beach, the winding paver drive, Royal Palms and Gulf-front setting create a memorable introduction. Unit 1401 is a 2,274-square-foot Gulf-front condominium where approximately 34 feet of floor-to-ceiling glass showcases expansive Gulf and coastline views. Large rooms, abundant natural light and oversized crown molding complement the spacious interior. The completely upgraded kitchen gives this residence a distinctive look of its own, with new cabinetry, backsplash, tile flooring, laundry room cabinetry and black stainless steel appliances. The centerpiece is the Vetrazzo countertop surface, where colorful recycled-glass pieces create an artisanal, mosaic-like appearance reminiscent of sea glass and the emerald-toned Gulf beyond the windows. An oversized open enamel sink completes the updated kitchen. Updates continue throughout the baths with new granite countertops and tile flooring. The primary suite offers a large walk-in closet, private balcony and bath with double vanities, walk-in shower, jetted tub and private water closet. The second primary bedroom serves as the lockout suite and features its own private balcony and a completely remodeled bath with a custom tiled walk-in shower with bench, vessel sinks and a beautiful handcrafted barn door. Tile flooring also enhances both the main entry and separate lockout entry. One of Unit 1401's most versatile features is this second primary suite and lockout configuration. With the addition of an interior door in the foyer area, the residence can function as a full 3-bedroom condominium or allow the second primary suite to be separated, providing flexibility for personal use or rentals. Short-term rentals are allowed. The residence was also wired for surround sound during construction, and water heaters were replaced in 2021 and 2023. Unit 1401 includes covered garage parking space #15. Sterling Beach offers approximately 400 feet of Gulf frontage along with a heated free-form pool and expansive deck areas, spa/hot tub, Gulf-front fitness center, high-speed elevators, bike and kayak racks, owners lounge and meeting room, 44-seat theater, BBQ and picnic area, covered pergola and beach access. Onsite HOA and rental offices provide additional convenience. Located on Thomas Drive in Panama City Beach, Sterling Beach provides convenient access to restaurants, grocery shopping, marinas, fishing, diving and sightseeing operations, with St. Andrews State Park toward the east end of Thomas Drive. Built in 2003, Unit 1401 combines panoramic Gulf views, extensive interior upgrades, a second primary lockout suite, covered parking and resort-style amenities. Monthly HOA dues are currently listed at $1,191.98. Schedule a showing to experience the space, finishes and Gulf-front setting of Sterling Beach Unit 1401.

6627 Thomas Drive Unit 1401, Panama City

Listing courtesy of Counts Real Estate Group Inc.

$365,900

2 Beds ⋅ 3 Baths ⋅ 794879 MLS

Welcome to Shores of Panama unit 1318 (J floor plan), one of the most popular vacation spots in all of Panama City Beach! Step into this RARE, gorgeous, modified 2 bedroom + bunk room, 2.5 bath unit PRICED TO SELL. With a Gulf facing primary suite, upgraded LVP flooring throughout all main areas with tile in the bathrooms! This unit was modified from the original plan with owners closet moved to the front entry to allow for more kitchen space as well as extended cabinets/countertops!! The laundry room was modified to allow for a full size washer and dryer. This unit includes an assigned 6th floor parking spot. This beautifully maintained 13th floor unit provides picturesque views of the Gulf of America as well as the massive lagoon style pool! On site - Fitness Center with sauna, massage therapy and steam room, Coffee House, Grand Lobby & Reception, trendy knick-knack store, and 24-Hour Courtesy Patrol. Situated in the heart of PCB, just steps away from the beach, top local restaurants, bars and shopping. Schedule your showing today!!!

9900 S Thomas Drive Unit 1318, Panama City

Listing courtesy of Keller Williams Success Realty.

$355,900

1 Beds ⋅ 2 Baths ⋅ 794877 MLS

Welcome to the Moondrifter, this unit is priced to SELL; overlooking the pool and the new Tootsies Orchid Lounge! Featuring 2 bedroom, 2 baths, this 5th floor unit has been FULLY renovated with great taste. The now open kitchen allows for better entertaining and features ample custom cabinets, quartz countertops, tiled backsplash and more. Beautiful glossy LVP flooring throughout the entire unit with bead-board, shiplap and wide baseboards bring a modern flare. The master bathroom had a complete remodel with a gorgeous tiled shower and quartz countertops. Guest bedroom offers a Murphy bed/desk for convenience. Enjoy the plethora of amenities including an inground pool, tennis courts and shuffleboard. Just minutes/steps away from shopping, top restaurants, and popular attractions! Great rental property or perfect for peaceful living- Schedule your showing TODAY!!!

8815 Thomas Drive Unit 503, Panama City

Listing courtesy of Keller Williams Success Realty.

$725,000

2 Beds ⋅ 2 Baths ⋅ 794832 MLS

WEST-END CORNER RESIDENCE | UNOBSTRUCTED COASTLINE VIEWS | EXCEPTIONAL SUNSETS. This 2BR/2BA residence at Princess Condo captures Gulf-front living at its best--expansive water views, dramatic sunsets and an oversized tiled balcony overlooking the coastline. Positioned on the coveted west end of the building, this corner residence offers a remarkable perspective down the coast, while floor-to-ceiling windows and doors bring the Gulf views directly into the living area and Gulf-front primary suite. Both open to the balcony, creating a seamless connection between indoor and outdoor living. Inside, LVP flooring carries through the residence, while the spacious kitchen features granite countertops, stainless appliances and a breakfast bar ideal for casual entertaining. A wet bar and full-size laundry room with utility sink add convenience. The Gulf-front primary suite is a private retreat featuring a renovated shower, whirlpool tub, double vanities and a west-facing window framing the coastline. The generously sized guest bedroom comfortably accommodates two queen beds and includes a full bath with tub/shower combination. Princess Condo is a gated Gulf-front community offering secured high-speed elevators, 3 heated pools (one is indoor), hot tub, fitness center, game room, tennis court and an on-site rental office. VA-approved financing provides an additional ownership opportunity. The defining feature, however, is the setting. From this coveted west-end position, the coastline stretches into the distance and sunset becomes an evening event. This is more than a Gulf-front condo, it's a front-row seat to some of Panama City Beach's most spectacular views. For buyers seeking a Panama City Beach Gulf-front condo, second home or vacation rental investment, this residence combines a highly desirable beachfront location with the features today's coastal buyers value most. Princess Condo offers direct beach access, Gulf-front amenities and an established setting along Thomas Drive, making this property equally compelling as a personal coastal retreat or short-term rental investment.

6415 Thomas Drive Unit 1405, Panama City

Listing courtesy of Berkshire Hathaway HomeServices Beach Properties of Florida.

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