Panama City Homes with Shoreline - Sand Waterfront Features

Welcome to Panama City, Florida, a hidden gem nestled along the shimmering shores of the Gulf of Mexico. With its stunning beaches, vibrant culture, and a warm, welcoming community, Panama City offers a unique blend of coastal charm and modern living. As the county seat of Bay County, this picturesque city is known for its rich history, thriving local businesses, and an abundance of recreational activities, making it the perfect destination for families, retirees, and anyone seeking a relaxed coastal lifestyle.

One of the most alluring features of Panama City is its breathtaking waterfront properties. Homes with shoreline and sand waterfront features offer unparalleled access to the pristine beaches and crystal-clear waters that the area is famous for. Imagine waking up to the soothing sounds of the waves and enjoying your morning coffee with a view of the sun rising over the horizon. These properties not only provide a serene escape but also serve as an ideal setting for entertaining friends and family or simply unwinding after a long day.

In addition to the natural beauty, Panama City boasts a vibrant community with a plethora of dining, shopping, and entertainment options. From fresh seafood restaurants to charming boutiques, there’s something for everyone to enjoy. Whether you’re looking to invest in a vacation home or a permanent residence, Panama City’s waterfront real estate offers an exceptional lifestyle filled with sun, sand, and endless opportunities for adventure. Discover your dream home in this coastal paradise today!

Newest Panama City Homes with Shoreline - Sand Waterfront Features

$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.

$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.

$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.

$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.

$368,900

1 Beds ⋅ 2 Baths ⋅ 794672 MLS

RARE 2-BATH FLOOR PLAN + COMPLETELY UPDATED! This stunning 1-bedroom, 2-full-bath condo at The Summit is a true standout--one of the most desirable and hard-to-find in the building. Beautifully renovated with a fresh coastal feel and sold turnkey ready, it's perfect as a vacation rental, second home, or beach getaway. Enjoy incredible Gulf views, a private balcony, and resort-style amenities--all just steps from the sugar-white sand. Updated, turnkey, Gulf-front, and TWO full baths--this one has it all!

8743 Thomas Drive Unit 1419, Panama City

Listing courtesy of Fun Quest Vacation Rentals Corp.

$268,000

1 Beds ⋅ 1 Baths ⋅ 794575 MLS

Discover the laid-back coastal lifestyle of Sugar Beach, a gated beachfront community in the heart of Panama City Beach. This well-positioned condo offers the ideal combination of beach access, pool proximity, resort-style amenities, convenience, and investment potential. Whether you're searching for a vacation getaway, a second home, or an income-producing property, Sugar Beach provides an appealing setting just minutes from the area's popular dining, entertainment, shopping, golf, boating, and family-friendly attractions. The community's beachfront location makes it easy to enjoy long days in the sun, while the convenient location puts everything Panama City Beach has to offer within easy reach. Residents and guests enjoy convenient parking near their units, eliminating the hassle of navigating crowded parking areas or elevators. Sugar Beach offers an impressive array of amenities designed for both relaxation and recreation, including private gated beach access, a resort-style swimming pool, two tennis courts, shuffleboard, a community room with kitchen, ping pong, and a beautifully landscaped pond featuring koi and turtles. Outdoor grilling areas provide the perfect place to gather after a day at the beach. The quarterly HOA fee includes water, trash, cable, exterior insurance, grounds maintenance, 24-hour video surveillance, and access to the community's extensive amenities. Daily on-site maintenance and weekday on-site property management add another level of convenience for owners. With its beachfront setting, desirable amenities, and proximity to Panama City Beach's restaurants, attractions, and entertainment, Sugar Beach offers an exceptional opportunity to enjoy the coastal lifestyle while maintaining strong flexibility for personal use or rental potential. Come experience all that this community has to offer and make your own piece of Panama City Beach paradise yours.

8727 Thomas Drive Unit E8, Panama City

Listing courtesy of Avenue Realty.

$439,900

2 Beds ⋅ 3 Baths ⋅ 794232 MLS

Sunset Bayfront Retreat - Updated & Move-In Ready in Gated Harbour Village Discover peaceful waterfront living at its finest in Harbour Village, a boutique 2006-gated community of only 116 residences on the serene shores of St. Andrews Bay. This lovingly maintained 2nd-floor condo offers the perfect blend of modern comfort and timeless coastal charm in Historic St. Andrews -- a vibrant 19th-century fishing village now filled with marinas, artisan shops along Beck Avenue, and farm-to-table favorites just steps away. No short-term rentals means a true residential sanctuary year-round. Unit 202 is all about those magical west-facing views. Step onto your private balcony -- accessible from both the living room and primary suite -- and watch breathtaking sunsets paint the bay, dolphins playing in the harbor, and boats gliding by. Thoughtfully upgraded with custom finishes and tasteful décor, this home feels warm, sophisticated, and genuinely cared for -- the kind of place that instantly feels like home. Enjoy resort-style amenities that elevate everyday living: • Heated waterfront pool with sweeping bay views • State-of-the-art fitness center • Spacious community room for gatherings • Cozy outdoor fireplace for fireside evenings • Private marina with deeded boat slips (none assigned to this unit) St. Andrews living at its best: stroll to the marina, shaded boardwalks at Oaks by the Bay Park, Saturday farmers market, and local gems like Alice's on Bayview, Uncle Ernie's, and Finns. Quick access via US 98 to Panama City Beach, and everything Northwest Florida has to offer. This cherished, family-owned condo has been meticulously maintained and is now ready for its next chapter. Motivated sellers are ready to welcome the right buyer who will love it as much as we have. Rare west-facing bay views like these don't last long in Harbour Village. Schedule your private showing today and experience why this feels like coming home to the water.

3001 W 10th Street Unit 202, Panama City

Listing courtesy of Berkshire Hathaway HomeServices Beach Properties of Florida.

$439,000

1 Beds ⋅ 2 Baths ⋅ 793940 MLS

Very rarely available in Seaside Villas! Discover this nicely remodeled one-bedroom, one-and-a-half-bath condominium on the coveted far east end of Panama City Beach--just minutes from St. Andrews State Park. Located on the second floor, this inviting residence offers peaceful Gulf views across the landscaped courtyard and lawn. Seaside Villas is a low-density, Gulf-front community with less than 75 units, offering a quieter alternative to the area's larger condominium towers. Bring your suitcase and start enjoying the beach lifestyle you've been needing. Whether you are seeking a personal getaway, vacation home, or investment opportunity, this turnkey coastal retreat puts you close to the beach, park, dining, boating, and all the best of the east end of Panama City Beach. Ideal as a personal retreat, second home, or vacation-rental opportunity. It's time to exhale, and enjoy the beach life you've been dreaming about. 📍 Far East End, Panama City Beach 🏖️ Walk to St. Andrews State Park 🌴 Quiet, low-density coastal community ✨ Remodeled and move-in ready

4701 Thomas Drive Unit 214, Panama City

Listing courtesy of Coldwell Banker Realty.

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