Panama City Homes with Lagoon Waterfront Features

Panama City Homes with Lagoon Waterfront Features

Welcome to the vibrant and picturesque Panama City, Florida, where the sun-kissed shores meet the sparkling waters of the Gulf of Mexico. Nestled in Bay County, this charming coastal city offers a perfect blend of small-town warmth and big-city amenities, making it an ideal destination for families, retirees, and everyone in between.

Panama City boasts a rich history and a thriving community, with a plethora of outdoor activities and attractions. From the stunning beaches of Panama City Beach to the lush landscapes of St. Andrews State Park, residents enjoy year-round sunshine and endless opportunities for adventure. The city is also home to a dynamic arts scene, delightful dining options, and a variety of local shops that showcase the unique character of the area.

One of the most sought-after features of homes in this enchanting city is the lagoon waterfront properties. Imagine waking up to breathtaking views of serene lagoons, where you can enjoy kayaking, paddleboarding, or simply basking in the tranquility of nature right from your backyard. These homes offer a rare opportunity to embrace a lifestyle that blends luxury with the beauty of the outdoors. With spacious layouts and modern amenities, lagoon waterfront properties provide the perfect backdrop for both relaxation and entertaining.

Whether you're looking for a cozy retreat or a spacious family home, Panama City’s lagoon waterfront homes are sure to captivate your heart. Discover the magic of living in this coastal paradise, where every day feels like a vacation! Explore the available listings today and take the first step toward your dream home in Panama City, Florida.

Newest Panama City Homes with Lagoon Waterfront Features

$1,499,000
4 Beds ⋅ 3 Baths ⋅ 795278 MLS
DIRECT GRAND LAGOON WATERFRONT + GULF ACCESS. TO BE BUILT: $1,499,000 land + proposed home package. Elevated waterfront residence offers approximately 2,880 SF heated/cooled, 3 bedrooms plus office/flex 4th bedroom, 3 baths and approximately 528 SF of covered outdoor living. Pricing, specifications, finishes, plans and construction costs subject to final builder contract, engineering, permitting and buyer selections. Build the waterfront lifestyle instead of trying to find it already built. Architectural plans and renderings are included. This cleared 0.13-acre homesite offers approximately 48 feet of Grand Lagoon frontage, an existing seawall, approximately 180' dock, public sewer availability and NO HOA. STR allowed and golf cart to the beach or to many popular local restaurants, the marina, and attractions within minutes. The open living, dining and kitchen areas are positioned around the water, with generous covered porches designed to extend the living space toward Grand Lagoon. An elevated coastal design also creates valuable covered space below while maximizing views from the primary living level. Significant waterfront infrastructure is already in place. The property is cleared and includes an existing seawall and approximately 180' dock, giving a future owner direct access to the lagoon while planning and building. From here, enjoy protected boating waters with access to St. Andrews Bay, Shell Island and the Gulf, along with waterfront restaurants, marinas and the best of the Panama City Beach boating lifestyle just minutes away. Whether envisioned as a full-time waterfront residence, second home or potential vacation-rental property subject to applicable regulations, this site offers the increasingly rare opportunity to build new around the lifestyle you actually want instead of renovating somebody else's version of it. Architectural plans and renderings are provided for informational and visualization purposes. Buyer to independently verify current plan suitability, zoning, setbacks, permitting, flood/elevation requirements, utilities, construction costs, dock and seawall condition/permitting and all intended uses. Seller is a licensed Florida real estate agent.

3532 Treasure Circle, Panama City

Listing courtesy of Anchor Realty Florida.

$28,500
1011251 MLS
Nature Lover's Paradise with City Incentives - Prime Lot Available - Escape to your own private retreat filled with abundant wildlife, scenic fishing spots, and breathtaking nature views. This unique property offers the perfect blend of natural tranquility and urban opportunity, making it an ideal location to build your dream home or next investment project. Property Highlights & Location Benefits CRA Investment Incentives: This property is located within the City's Community Redevelopment Agency (CRA) area. Buyers are highly encouraged to contact the city directly to explore the various building grants and financial incentives available for development in this district. Nature & Wildlife: A haven for outdoor enthusiasts, featuring excellent birdwatching, fishing, and peaceful landscape views right from your future doorstep. Property is being sold as-is with no existing survey. Buyer to obtain a new survey if desired. No HOA

906 N Harris Ave, Panama City

Listing courtesy of Beachfront Real Estate Group.

$199,000
1 Beds ⋅ 2 Baths ⋅ 794933 MLS
Enjoy beautiful lagoon views from this top-floor, one-bedroom, one-bathroom unit located in Bonita Point. The interior features tile and carpet flooring, recessed lighting, and an open kitchen overlooking the main living area. Step outside onto the private balcony and take in some of the community's best lagoon views. Bonita Point offers a gated entrance and fenced community pool. A privately owned, third-party boat dock is also located on-site

214 Bonita Circle Unit F, Panama City

Listing courtesy of Seltzer Real Estate, LLC.

$960,000
3 Beds ⋅ 3 Baths ⋅ 794796 MLS
BRING YOUR BOAT! 3-Br 2.5-Ba house with a 14'x36' covered boat dock with water, electricity and jet ski lift. Totally updated with all new hurricane windows and doors, tri[ple opening sliding door, new bathrooms and kitchen, the upstairs bedroom currently used as a man cave with a bar sink, wine cooler, and 1/2 Bath. *New A/C units, sprinkler system w/well pump. just **4 blocks to the sugar-white sands of the beach**. Build your dream home or getaway retreat on protected lagoon waters with Gulf of America access just minutes away. This lot offers a peaceful, private setting on the water with a new boat dock already in place, fresh split-rail fence lining the frontage. Deep, calm lagoon water is perfect for kayaking, fishing, or launching a boat right from your own backyard. A public boat ramp just down the street makes it easy to get out on the water, and you're close to some of the best restaurants on the east end. The lagoon front lot next door is for sale at $685k (mls# 793039) Live in this house while you build a new one. Can do Vacation Rentals. ** Rare opportunity to own two lagoon-front properties side by side**

7308 S Lagoon Drive, Panama City

Listing courtesy of CitiStar Realty.

$1,645,000
3 Beds ⋅ 3 Baths ⋅ 794794 MLS
BRING YOUR BOAT! **TWO Properties, Lagoon-Front Lot and House being sold together or separately** (Lot mls#793039) * Gulf of America Access in Minutes! * NO HOA Fees! **(recent lot SOLD at 7204 S. Lagoon $699k in April 27, 2026) Rare opportunity to own two lagoon-front properties** 3-Br 2.5-Ba house with a 14'x36' covered boat dock with water, electricity and jet ski lift. Totally updated with all new hurricane windows and doors, tri[ple opening sliding door, new bathrooms and kitchen, new A/C units, sprinkler system w/well pump. just **4 blocks to the sugar-white sands of the beach**. Build your dream home or getaway retreat on protected lagoon waters with Gulf of America access just minutes away. This lot offers a peaceful, private setting on the water with a new boat dock already in place, fresh split-rail fence lining the frontage. Deep, calm lagoon water is perfect for kayaking, fishing, or launching a boat right from your own backyard. A public boat ramp just down the street makes it easy to get out on the water, and you're close to some of the best restaurants on the east end. Live in the house while you build a new one. Can do Vacation Rentals.

7308 S Lagoon Drive, Panama City

Listing courtesy of CitiStar Realty.

$240,000
1 Beds ⋅ 1 Baths ⋅ 794624 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

4726 Bay Point Road Unit D140, Panama City

Listing courtesy of Salty Marlin Realty LLC.

$299,900
1 Beds ⋅ 1 Baths ⋅ 794001 MLS
Bay Point Bayview Villa with view of Grand Lagoon. This remodeled unit has extensive renovations with an abundant amount of nickel gap shiplap and floor to ceiling windows. The kitchen and bathrooms make excellent use of the space. Bayview has a community boat dock and trailer parking for up to a week. Located inside of Bay Point with manned gates and roving security patrols. Point South Marina rents private deep water wet slips. Nicklaus golf course, Bar 72, and Hilton resort all within a golf cart friendly neighborhood.

4286 Kingfish Lane Unit 286, Panama City

Listing courtesy of Emerald Coastal Inc.

$336,000
1 Beds ⋅ 1 Baths ⋅ 792959 MLS
SELLER MOTIVATED & SELLER FINANCING AVAILABLE and $1,000 towards closing cost or prepays! Welcome to easy coastal living in this beautifully updated ground-floor Harbour Villa condo! Enjoy overlooking the marina and living in the gated community of Bay Point. This 1-bedroom, 1-bath residence has been completely renovated and feels just like new. Recent updates include a brand-new HVAC system, new appliances, quartz countertops in both the kitchen and bath, a stunning tiled walk-in shower, new lighting, ceiling fans, plank flooring, paver patio and more. The ground-floor location offers convenient access to single story living and makes this an ideal primary residence, second home, or investment property. Relax and enjoy marina views just steps from your door while taking advantage of all that Bay Point has to offer. Bay Point is a private, gated community with 24-hour security, a full-service marina, the Jack Nicklaus Signature Golf Course, dining, and a lifestyle centered around boating, golf, and coastal living. The Harbour Villas are perfectly located within the community, and short-term and long-term rentals are allowed, making this an excellent opportunity for both personal enjoyment and rental income. Seller financing available - call for details.

4726 Bay Point Road Unit A110, Panama City

Listing courtesy of Keller Williams Success Realty.

$330,000
1 Beds ⋅ 1 Baths ⋅ 792884 MLS
Bay Point Bayview Villa with sunset views. This large one bedroom overlooks Grand Lagoon, marinas, and St Andrews State Park. All floors have been updated to the LVP and match throughout. The kitchen features new stainless appliances and new white cabinets. Freshly painted with light neutral color. Bavview has a community dock and boat trailer parking to use up to 10 days at a time, no long term storage. Shared storage units provide additional space for storage and beach gear. Complex is not required to have milestone, reserve study, or comply with new condo rules aimed at larger condos. Located in the gated Bay Point subdivion with roving secuirty. Point South Marina, Jack Nicholas golf course, Bar 72, as well as Hilton resort are all contained withing the gates. Neighborhood is golf cart friendly and a short drive or boat ride to the beach.

4272 Kingfish Lane Unit 272, Panama City

Listing courtesy of Emerald Coastal Inc.

$649,000
2 Beds ⋅ 2 Baths ⋅ 792177 MLS
Rare TOP FLOOR (8th) opportunity at Reflections in the Bay Point community! This tastefully furnished condo offers unobstructed views of St. Andrews Bay. Enjoy your morning coffee or unwind at the end of the day from your private balcony while taking in the ever changing scenery. Watch the dolphins play and eagles and osprey soar, boats cruise through the channel, and enjoy panoramic views of St. Andrews State Park and Shell Island. Inside, natural light fills the open living space, highlighting the coastal décor and gorgeous wood plank ceramic tile flooring. The kitchen features stainless steel appliances and flows seamlessly into the dining and living areas, making it easy to entertain while enjoying the view. The primary suite offers a walk-in shower, dual-sink vanity, and a relaxing retreat after a day on the water. The upgrades in this unit make it one of a kind. The quartz countertops and extras simply speak luxury! Being sold fully furnished, this condo is ready to enjoy from day one. Whether you're looking for a full-time residence, a vacation getaway, or an investment opportunity, short-term rentals are allowed, offering excellent income potential and flexibility. Reflections offers outstanding amenities, including a lagoon-style pool, hot tubs, community grilling areas, fire pits, an owner's lounge, and beautifully maintained grounds, all within the Bay Point community. From sunrise to sunset, the views of St. Andrews Bay create a view that's never the same twice, making this a place you'll love coming home to or sharing with your guests.

4100 Marriott 808 Drive Unit 808, Panama City

Listing courtesy of EXP Realty LLC.

$339,900
2 Beds ⋅ 2 Baths ⋅ 791932 MLS
Modern loft style 2 bedroom 2 bath condo with open living space and unobstructed full water views. Located in Dockside North, a quiet private gated condo community on sought after Grand Lagoon waterfront. Condo may be leased for periods of 30 days or longer. Located on east end of Panama City Beach away from busy touristy areas, but only 5 minutes away from white sandy beaches with public access, shopping, countless restaurants and St. Andrews State Park with a great new boat launch area. End unit condo with large balcony with 180 degree lagoon views with nice breezes all year round. Amazing colorful sunrises and sunsets. Recently renovated kitchen with all new soft close cabinets, Quartzite countertops, energy saving appliances including high efficiency washer/dryer combo. Two year old high efficiency A/C unit with extremely low electric bills. Two full baths. Downstairs bedroom with built in desk area. Large walk-in attic space for extra storage. Resident only community dock with two week at a time mooring allowed for vessels under 28 feet. Close access to Gulf of America. HOA fees include water, building insurances, garbage pickup, landscape and pool maintenance and pest control. Nice community breezeway for relaxing with other residents, family and friends. Will entertain offers and will sell furnished with full price offer. A must see condo!

6909 N Lagoon Drive Unit E2, Panama City

Listing courtesy of Beachy Beach Real Estate.

$239,900
1 Beds ⋅ 1 Baths ⋅ 791907 MLS
MOTIVATED SELLER! BRING ALL OFFERS!!! Make every day feel like a getaway in this charming first-floor condo! Designed with an open-concept layout, this cozy home offers effortless comfort and flow. Step out onto your private balcony to enjoy spectacular lagoon sunsets. Whether you're fishing, watching dolphins play, or heading to the Gulf (with easy water access) this is true coastal living. Call today for a private tour!

6909 N Lagoon Drive Unit B3, Panama City

Listing courtesy of Coldwell Banker Realty.

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