Panama City Homes with See Remarks Waterfront Features

Welcome to the stunning Panama City, Florida, where coastal charm meets vibrant community living! Nestled in Bay County, Panama City is a picturesque destination known for its beautiful beaches, warm hospitality, and a plethora of recreational activities. With its breathtaking Gulf of Mexico views, this city is a paradise for water enthusiasts and nature lovers alike.

Panama City boasts a diverse array of homes, particularly those with remarkable waterfront features that offer a unique blend of comfort and luxury. Imagine waking up to the gentle sound of waves lapping against the shore, with stunning sunrise views right from your window. Homes with waterfront access in this area not only provide a serene living environment but also an active lifestyle filled with boating, fishing, and beachcombing right at your doorstep.

The real estate market in Panama City is thriving, with properties that cater to various tastes and budgets. Whether you’re searching for a cozy beach cottage, a modern condo with panoramic views, or a sprawling estate perfect for entertaining, you’ll find it here. Many homes come with private docks, allowing you to easily embark on your next adventure on the water.

Living in Panama City means embracing a vibrant community filled with local shops, delicious dining options, and year-round events. The city's rich history and culture add to its allure, making it a perfect place to call home. Don’t miss your chance to discover the beauty of waterfront living in Panama City—where every day feels like a vacation!

Newest Panama City Homes with See Remarks Waterfront Features

$330,000

4 Beds ⋅ 2 Baths ⋅ 795092 MLS

Assumable 2.25% VA loan! Welcome home to this beautiful, move-in-ready single-story residence situated on a scenic pond-front lot in Callaway, FL. Framed by durable Hardie-board siding and freshly painted throughout, this home offers 1,835 square feet of light-filled living space featuring 4 bedrooms, 2 full bathrooms, and 9-foot ceilings that enhance the open, airy feel. The heart of the home centers around a spacious kitchen equipped with rich granite countertops and brand-new stainless steel stove and refrigerator installed in July 2026. Designed with modern convenience in mind, the property comes outfitted with Z-Wave smart home technology, including smart door locks, select smart outlets, and customizable lighting control. Relax or entertain outdoors in the privacy of your fully enclosed patio overlooking serene water views. Additional highlights include an attached 2-car garage equipped with a high-power NEMA 14-50 EV charging outlet, an included washer and dryer, and a low-maintenance layout built for everyday comfort. Located in the desirable Bridge Harbor community, this home seamlessly blends smart home efficiency with classic coastal living. All conveniently located within 15 minutes of Tyndall. Seller offering $5,000 towards Buyer Closing Costs with acceptable offer!

329 Highbrook Road, Panama City

Listing courtesy of Counts Real Estate Group.

$995,000

4 Beds ⋅ 4 Baths ⋅ 794698 MLS

EXTRAORDINARY 1.99% ASSUMABLE VA LOAN available to qualified buyers, subject to lender approval. Welcome to 325 Confidence Way, where peaceful bayou living meets Gulf-access adventure. Positioned directly on the water in the desirable Fanning Bayou community, this exceptional home offers boating access to the Gulf, Shell Island and Gulf Intracoastal Waterway destinations, including Crab Island. Enjoy wide water views from the main living areas, primary suite and expansive screened porch. Envision building your own private dock and creating the waterfront lifestyle you have always wanted. Across the street, a recorded conservation easement requires the land to be maintained forever predominantly in its natural condition and prohibits buildings and other structures, providing a protected natural buffer. Inside, the bright, open-concept design is filled with natural light and thoughtfully arranged for everyday living and entertaining. Updated lighting fixtures throughout add a stylish, contemporary touch. The spacious gathering room features a tray ceiling, recessed lighting and picturesque bayou views. The adjoining dining area flows into a well-appointed kitchen featuring an oversized granite island, abundant cabinetry, stainless steel appliances, double ovens, range hood and walk-in pantry. The waterfront primary suite offers a peaceful retreat with a tray ceiling and beautiful bayou views. The spacious bath features dual vanities, a soaking tub, and a separate shower while the walk in closet includes a custom organization system. Custom-designed closet organization systems are found throughout the home, offering abundant built-in shelving, hanging space and storage. Step outside to the screened waterfront porch and enjoy morning coffee, evening sunsets and the ever-changing bayou scenery. The spacious three car garage offers ample parking along with built in storage for boating equipment and recreational gear. The roof was replaced in 2023 with GAF Timberline HDZ shingles and GAF WeatherWatch underlayment, adding another valuable improvement. Community amenities include a resort-style pool, hot tub, covered gathering pavilion and playground. With its direct bayou frontage, exceptional boating access, protected natural surroundings, spacious open layout and remarkably low assumable interest rate, 325 Confidence Way presents a rare opportunity to enjoy the best of Northwest Florida waterfront living.

325 Confidence Way, Panama City

Listing courtesy of Barbee Beach House Realty.

$204,900

3 Beds ⋅ 3 Baths ⋅ 794311 MLS

WATERFRONT LIVING at an exceptional value! This spacious 3-bedroom, 2.5-bath townhome offers over 1,700 square feet of comfortable living space with beautiful water views and a convenient location close to Tyndall Air Force Base, shopping, dining, and schools. The main level features an open and inviting floor plan with generous living and dining areas, abundant natural light, and easy access to the waterfront patio--perfect for morning coffee, evening sunsets, or entertaining guests. The kitchen offers new cabinetry and counter tops with ample cabinet and counter space, making meal preparation and hosting a breeze. The main floor spacious primary suite provides a private retreat with water views, while two additional bedrooms offer flexibility for family, guests, or a home office. With 2.5 bathrooms and plenty of storage throughout, this home combines comfort, functionality, and low-maintenance living. Whether you're searching for a primary residence, second home, or investment opportunity, this waterfront property delivers outstanding value in a desirable location. Enjoy peaceful views, a spacious layout, and easy access to everything Panama City has to offer. Schedule your private showing today!

1824 Mallard Drive Unit B, Panama City

Listing courtesy of Counts Real Estate Group Inc.

$960,000

793873 MLS

Waterfront development opportunity on Callaway Bayou! Recently subdivided from six parcels into 12 waterfront lots, each offering more than 50 feet of frontage along the bayou and waterfront views. Lot sizes range from approximately 0.152 to 0.29 acres, with most measuring around 0.20 acres. All 12 lots are being offered together and include the following six parcels: 06641-995-250, 06641-995-260, 06641-995-270, 06641-995-280, 06641-995-290 and 06641-995-300. Callaway Bayou provides access toward East Bay and St. Andrews Bay, with the shallow-water setting well suited for kayaks, paddleboards, jon boats and other low-draft watercraft, subject to current water depths and conditions. No docks or seawalls are currently in place. Individual dock potential may exist subject to applicable permitting and regulatory approval. Conceptual home renderings are available illustrating the potential for two-story residences designed to take advantage of the waterfront setting and elevated views. Based on preliminary planning, lots may accommodate approximately 1,800-2,100 square feet of living space with a two-story design. Current information indicates approximately 25-foot roadside setbacks and 20-foot waterfront setbacks; buyers should independently verify zoning, setbacks, building requirements, utilities, flood zone/elevation requirements, dock permitting and intended use with the appropriate governmental agencies. With 12 individual waterfront lots available, this property presents an opportunity for builders, developers or investors looking to create a cohesive waterfront residential project in the Callaway area, with convenient access to Panama City and Tyndall Air Force Base.

000 Hugh Thomas Drive, Panama City

Listing courtesy of ERA Neubauer Real Estate Inc.

$319,000

3 Beds ⋅ 3 Baths ⋅ 792590 MLS

Welcome! Come enjoy picturesque pond views overlooking the Jack Nicklaus Golf Course from this beautifully situated 3-bedroom, 2.5-bath home in the gated community of Bay Point. In addition to 3 spacious bedrooms, you'll find a versatile bonus room that can easily serve as a 4th bedroom, home office, hobby room, or extra storage. The open floor plan is perfect for everyday living and entertaining. Enjoy an updated kitchen that opens to your dining area and a spacious living room and large sun porch, all with beautiful views and lots of light. The sunporch is a great spot to extend relaxing and entertaining, or an inviting multi-functional space that could also serve as a light filled home office, exercise or hobby area. This golf villa has great outdoor spaces with pond and golf course views, including covered balconies off of two bedrooms, a large back deck, and also features a large front courtyard entry. The covered balconies and spacious back deck are the perfect places to sip a beverage, share a meal, or lounge with a book while taking in your tranquil setting. The welcoming courtyard entrance is a large space to make your own and also features additional storage closet. This turnkey golf villa is offered fully furnished and move-in ready for you - even the bikes stay! Bay Point is one of the area's premier gated communities, featuring 24-hour security, a championship Jack Nicklaus golf course, a full-service marina, on-site dining, and a variety of amenities, all just minutes from the beaches, shopping, and restaurants of Panama City Beach. Call today and make this your new home at the beach!

4301 Bay Point Road Unit 487, Panama City

Listing courtesy of Keller Williams Success Realty.

$4,500,000

792242 MLS

Pelican Pass at Massalina Bayou presents a rare opportunity to acquire an entitled waterfront development site in the heart of Panama City's waterfront district. The property consists of approximately 3.247 acres with 650 linear feet direct frontage on Massalina Bayou. Asking price of $4,500,000. The property benefits from a recorded and assignable Development Agreement providing vested rights for residential and marina development. Multiple development paths are supported, including attached residential/townhomes, detached single-family residential, multifamily residential and marina-oriented waterfront development. Zoned Mixed-Use 3 (MU-3) within the City of Panama City. The sale includes Bay County Parcel ID # 19528-000-000. ALTA/topographic survey, development agreement, existing conditions, townhome concept plans, draft plat, marina layout, single-family lot concept, construction/utility exhibits, seawall proposal and marina proposal. This reduces uncertainty and allows a buyer to immediately evaluate the project as a partially assembled waterfront development opportunity, not raw land.

305 E Beach Drive, Panama City

Listing courtesy of Counts Real Estate Group Inc.

$4,500,000

792107 MLS

305 E Beach Drive, Panama City

Listing courtesy of Counts Real Estate Group Inc.

$969,000

6 Beds ⋅ 4 Baths ⋅ 791960 MLS

ASSUMABLE LOAN AVAILABLE WITH AN INCREDIBLE 2.25% INTEREST RATE!* Rarely does a property offer this much space, privacy, and waterfront lifestyle in one package. Set on 1.14 acres with approximately 110 feet of frontage along the crystal-clear waters of Lake Merial, 147 Lake Merial Shores is a 4,182-square-foot waterfront retreat designed for those who believe home should be the gathering place for every holiday, celebration, and family milestone. Featuring six bedrooms, a bonus room, three-car garage and expansive indoor and outdoor living spaces, this remarkable estate is where unforgettable lake memories are made. From the moment you enter, soaring ceilings and beautiful hardwood flooring create an impressive first impression. To the left of the foyer, a stunning floor-to-ceiling custom library provides the perfect setting for a private office, reading retreat, or study. The private library showcases a custom rolling ladder that glides effortlessly along the entire room. Formal living and dining spaces offer flexibility for gatherings, while a dedicated dining room area with a private bar creates an inviting atmosphere for hosting family celebrations and holiday dinners. The grand living room serves as the heart of the home, featuring dramatic 18-foot ceilings and expansive windows that frame picturesque views of the lake beyond. A beautiful wood burning fireplace creates a warm focal point, flanked by custom built-in cabinetry that provides both elegant display space and functional storage while enhancing the room's timeless character. The well-appointed kitchen offers abundant cabinetry and storage throughout, including an extended custom storage area adjacent to the eat-in kitchen space. A conveniently located half bath near the kitchen enhances the home's thoughtful design and provides added comfort for guests during gatherings and special occasions. The spacious primary suite is located on the first floor, creating a private retreat separate from the additional bedrooms. Upstairs, you'll find five generously sized bedrooms, two full bathrooms, and a massive bonus room large enough to serve as a home theater, game room, fitness area, or recreation space large enough for a pool table. Step outside and experience the true beauty of Lake Merial living. Outdoor living takes center stage with a covered back patio and an expansive paver terrace designed for entertaining and relaxation. A private paver pathway meanders through the backyard to the lakefront, creating a seamless connection to the waterfront lifestyle. Whether you're launching a kayak, casting a line, or enjoying a sunset cruise, Lake Merial becomes an extension of your backyard. The meticulously maintained grounds create a park-like setting, offering plenty of space for outdoor entertaining, backyard barbecues, family gatherings, and making memories with friends and neighbors. Imagine spending Independence Day watching fireworks illuminate the lake, enjoying golf cart rides through the neighborhood, and ending the evening gathered around the water with family. Lake Merial is one of Bay County's most sought-after waterfront communities, centered around a beautiful 300-acre spring-fed lake known for its clear waters and year-round recreational opportunities. Residents enjoy community events, walking trails, green spaces, and food truck nights. Defined by its scale, waterfront setting, and enduring craftsmanship, this home stands as a distinguished Lake Merial residence, offering the space, privacy, and versatility to accommodate generations while creating an exceptional backdrop for everyday living. As one of only a handful of homes of this size situated directly on the water within Lake Merial, this remarkable property represents a rare opportunity to own one of the community's most significant waterfront estates.

147 Lake Merial Shores Drive, Panama City

Listing courtesy of ERA Neubauer Real Estate, Inc.

$45,000

791160 MLS

Shell Island!!! Great bragging rights and privacy as well as access overnight to your own little piece of Shell Island Only a few lots are privately owned on Shell Island Great opportunity to say you own Shell Island....well... a little piece of it. This vacant lot offers the perfect setting for those seeking privacy, natural beauty, and direct access to the stunning waters of the Gulf. Accessible by boat, the property provides a unique island lifestyle ideal for recreation or a private getaway, camping, pull up your boat...YOU OWN IT or whatever is left of it bc the survey is old. the seller bought it for bragging rights and private get away an investment in one of Florida's most sought-after coastal locations, this Shell Island lot is a must-see. Seller can assist with arrangements for accessing the property. County says you can build on it but the seller is selling it as a novelty camping paradise. buyer must do his own research if he intends to build. Realtors!!! I have off market great listings including a bay front lot for 179k w some owner financing possible also Freeport home w acreage and owner financing opportunities on 3 acres 6200 sq feet Property is to the right of the house.

31 4s 14w Unit 14W, Panama City

Listing courtesy of The Premier Property Group.

$35,000

790808 MLS

Discover the opportunity to build your dream home on this waterfront residential lot in the peaceful Southport area. Positioned along a creek that flows directly into Deer Point Lake, this property offers a unique setting where nature, recreation, and waterfront living come together. Enjoy the sights and sounds of the water right from your backyard, with easy access to one of Bay County's most treasured freshwater destinations. Deer Point Lake spans thousands of acres and is well known for boating, kayaking, canoeing, paddleboarding, fishing, and wildlife viewing. The creek frontage provides a scenic backdrop while creating a direct connection to the expansive waters of the lake. Whether you're looking for a private homesite, a weekend retreat, or a place to enjoy Florida's outdoor lifestyle year-round, this property delivers a rare opportunity to own waterfront land with access to Deer Point Lake's vast network of waterways. Spend your days fishing for bass, bream, and crappie, exploring the shoreline by kayak, or simply relaxing while taking in the natural beauty that surrounds you. Conveniently located just a short drive from Panama City, Lynn Haven, schools, shopping, and dining, this waterfront property offers the perfect balance of privacy and accessibility. Build the home you've always envisioned and enjoy the waterfront lifestyle that makes this area so special.

Panama City

Listing courtesy of Think Real Estate.

$378,000

4 Beds ⋅ 3 Baths ⋅ 790678 MLS

*Seller offering up to $3,000 for buyer closing costs & prepaids* Welcome to this beautifully maintained 4-bedroom, 2-bath home located in the highly desirable Bridge Harbor community! Perfectly situated adjacent to a peaceful pond, this property offers the ideal blend of comfort, convenience, and outdoor living. Step outside to enjoy the newly fenced backyard featuring a built-in fire pit, perfect for relaxing evenings and entertaining guests. The new irrigation system helps keep the landscaping lush and beautiful year-round, while the children's playground conveys with the sale -- making this backyard truly move-in ready for family fun. Inside, you'll find a spacious and functional layout with plenty of room for family living, guests, or a home office setup. Located just minutes from Tyndall Air Force Base, this home also offers convenient access to shopping, dining, schools, and everyday amenities. Residents of Bridge Harbor enjoy access to a wonderful community pool and neighborhood amenities that make this area so popular. Don't miss the opportunity to own this charming home with water views, fantastic outdoor features, and an unbeatable location!

182 Osprey Lake Road, Panama City

Listing courtesy of CENTURY 21 Commander Realty.

$699,000

3 Beds ⋅ 3 Baths ⋅ 790389 MLS

3BR/2.5BA home in Martinique in Panama City Beach. Extensive upgrades, metal roof 2025, pond views, screened outdoor kitchen. Located in the gated Martinique community on the east end of Panama City Beach, this 3-bedroom, 2.5-bath home offers 2,080 square feet on a 0.11-acre lot with a layout designed for both full-time living and coastal second-home use. Martinique is known for its Old Florida-style architecture, mature landscaping, ponds, walking trails, community pool, playground, basketball court, and limited inventory of available homes. The neighborhood is positioned near Grand Lagoon, Capt. Anderson's Marina, St. Andrews State Park, public beach accesses, restaurants, and shopping. Inside, all bedrooms are located upstairs, including the primary suite with walk-in closets. The secondary bedrooms have access to the upstairs balcony with new Trex decking that measures approximately 6'1'' by 21'4''. The main living area features ambient lighting, a gas fireplace, and new French doors and windows that bring additional natural light into the home. The kitchen was remodeled with quartz countertops, backsplash upgrades, Frigidaire Gallery appliances, updated sink and faucet, and a convection/air fryer oven. Washer, dryer, and refrigerator convey with the property, and the laundry room includes a second-floor laundry chute. Recent improvements provide long-term value and peace of mind, including a snap lock standing seam galvalume metal roof installed in 2025, impact-rated windows and doors on portions of the home, updated exterior and interior paint, Honeywell smart thermostats, epoxy garage flooring, and driveway pavers installed in 2025. Additional updates include a remodeled downstairs half bath, three new American Standard Comfort toilets, upgraded electrical, backflow prevention replacement, new fencing, expanded patio space with pavers, exterior lighting improvements, and a termite bond. Outdoor living is a major feature of the property with a screened porch outdoor kitchen, cooktop, wood-burning outdoor fireplace, hot tub (that also stays with the house), fenced backyard, outdoor shower, and pond views. The oversized garage includes hanging storage systems and keypad access. The home also includes irrigation with two water lines and sprinkler systems already in place. Martinique is one of the more established gated neighborhoods in Panama City Beach and is valued for its custom homes, walkability, and proximity to boating, beaches, and dining without the density of larger resort communities. Owners can walk to nearby restaurants, bike to St. Andrews State Park, and reach Grand Lagoon marinas within minutes. Short-term rentals are not allowed in Martinique, helping preserve the residential atmosphere many buyers seek on the east end of PCB.

3410 Martinique Lane, Panama City

Listing courtesy of Counts Real Estate Group Inc.

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