Panama City Homes under $400,000

MOTIVATED SELLER! $7,000 PRIVACY FENCE ALREADY INSTALLED! FRESHLY PAINTED! This well maintained 4-bedroom, 2-bath home offering 1,394 square feet of comfortable living space in the highly sought-after Liberty community of Panama City. Perfectly designed for everyday living and entertaining, this home features an open-concept floor plan, spacious bedrooms, and a large fenced back yard. Located just a short walk or golf cart ride from Liberty's outstanding neighborhood amenities, residents enjoy access to a resort-style community pool, splash pad, playground, fitness center, and beautifully maintained common areas, creating an exceptional lifestyle for families and active homeowners alike. The Liberty community also offers sidewalks throughout and a welcoming neighborhood atmosphere. Conveniently situated off Highway 231, this home offers easy access to everyday necessities and major destinations. Tyndall Air Force Base is just a short commute away, making it an excellent choice for military personnel and civilian employees. You'll also appreciate the convenient access to Northwest Florida Beaches International Airport, as well as the shopping, dining, entertainment, and white-sand beaches that make the Panama City area so desirable. Liberty's location provides quick access to Panama City Beach, local schools, healthcare facilities, and countless recreational opportunities.

6400 Bellavia Ln, Panama City

Listing courtesy of 1 Percent Lists Florida Coast.

$312,000

4 Beds ⋅ 2 Baths ⋅ 1013211 MLS

This community named itself appropriately... because 259 Boggy Creek Way may be the perfect PLACE to PARK yourself! This Craftsman-style home delivers an easy, convenient, and fun lifestyle, with 4 bedrooms, 2 baths, and 1,799 sq ft -- room for everyone, plus room for memories! Military at Tyndall AFB? Let's salute the 4.99% assumable rate and just 9.4 miles to the base! Less commuting means more time enjoying the life you came here for. And, speaking of that life... the beach! Those famous white-sandy beaches and Panama City's endless attractions are approximately 15-17 miles away. We know the beach is probably #1, but what's next? A famous daiquiri at Pineapple Willy's? A Vomatron adventure? Waterfront dining? Or hosting at home? Too easy. ALDI, Walmart, DG, and more are just minutes away. Now let's talk about the bonus yard! Sitting next to a large community common area gives you serious overflow space when the guest list gets ambitious. Cornhole? Football? Horseshoes? BOOM! You've got the space--your bonus yard without the bonus maintenance! Inside, the open-concept design makes entertaining easy. Show off your cooking skills on the granite countertops and large island, keep your eyes on the game from the living room, and enjoy everyone being together without feeling crowded. When the day winds down, retreat to your primary suite. Soak in the garden tub or enjoy an extra-long shower. It's time to live your best life and maybe it's time to PARK IT here in Panama City!

259 Boggy Creek Way, Panama City

Listing courtesy of Axen Realty LLC.

$249,000

4 Beds ⋅ 2 Baths ⋅ 1013185 MLS

Welcome to affordable Florida living with the space, updates and outdoor lifestyle you've been searching for. This beautifully updated four-bedroom, two-bath home sits on a full acre and offers a bright, open layout with modern finishes throughout. Inside, you'll find updated flooring, spacious living areas and a beautifully refreshed kitchen featuring ample cabinetry, generous counter space and a large island that makes the perfect gathering spot for everyday living or entertaining. The functional floor plan offers plenty of flexibility for everyday living, guests, a home office or additional living space, while the bedrooms provide comfortable accommodations and a clean, updated feel throughout. Step outside and take full advantage of the Florida lifestyle with your own private pool, perfect for cooling off on hot summer days, hosting friends and family or simply relaxing in your own backyard retreat. The expansive deck offers plenty of space for grilling, outdoor dining and lounging, while the full-acre homesite provides room to spread out and enjoy a little extra privacy. With four bedrooms, two full baths, modern updates, a private pool, spacious deck and one acre of land, this home delivers a hard-to-find combination of space, comfort and Florida charm at an approachable price point. Some photos may be AI-enhanced.

7403 Sweetbriar Rd, Panama City

Listing courtesy of Coastal Living Realty & Associates LLC.

$299,000

3 Beds ⋅ 3 Baths ⋅ 796198 MLS

Welcome home to this beautifully maintained property tucked away on a quiet cul-de-sac! This inviting home offers a functional, family-friendly floor plan with spacious bedrooms, custom touches throughout, a cozy family room with fireplace, and an updated kitchen with breakfast nook. A separate formal dining area provides additional flexibility and could easily serve as a home office. Step outside to a spacious, fully privacy-fenced backyard backing up to a conservation area for added peace and privacy. The screened-in back porch is the perfect spot for morning coffee, entertaining, or fall football nights. An attached two-car garage provides plenty of additional storage. Conveniently located near Tyndall Air Force Base with easy access to shopping, dining, schools, and everyday necessities, this home offers a wonderful combination of comfort, privacy, and convenience in a peaceful neighborhood setting.

301 Lakeside Drive, Panama City

Listing courtesy of Think Real Estate.

$284,900

3 Beds ⋅ 2 Baths ⋅ 796174 MLS

Welcome to Liberty! This beautifully maintained 3-bedroom, 2-bath, Jemison floor plan is situated on a desirable corner lot and offers 1,648 sq. ft. of comfortable modern living. The open concept floor plan features a spacious kitchen with island, stainless steel appliances, and a walk in pantry, flowing seamlessly into the living and dining area. The split-bedroom layout provides privacy, with primary suite featuring a walk-in-closet and ensuite bath. Enjoy the convenience of smart-home technology throughout, along with a fully fenced vinyl backyard, perfect for pets, entertaining or relaxing outdoors. Liberty offers resort-style community amenities, including a 7,500 square foot community center, swimming pools, splash pad, fitness center, playground, walking areas and sidewalks. If you're looking for a newer, low-maintenance home on a corner lot with modern features and fantastic community amenities, this one is ready to welcome you home!

6639 Kettles Street, Panama City

Listing courtesy of People 1st Real Estate, LLC.

$359,000

4 Beds ⋅ 2 Baths ⋅ 796169 MLS

Welcome Home to Bridge Harbor! Modern Coastal Comfort Minutes from Tyndall AFB Address: 251 Ryder Lane, Callaway / Panama City, FL 32404 Layout: 4 Bedrooms | 2 Bathrooms | ~1,787 Sq. Ft. The Perfect Fit for Military Families & Coastal Living Cut your commute down to just 5 minutes! Perfectly positioned right off Tyndall Parkway, this move-in-ready home in the desired Bridge Harbor community offers ultimate convenience for personnel stationed at Tyndall Air Force Base. Spend less time commuting and more time enjoying the best of the Gulf Coast. Interior & Functional Layout Spacious Open-Concept Living: Designed for effortless entertaining and day-to-day family life, featuring continuous low-maintenance flooring and plenty of natural light. Functional Kitchen: Features beautiful cabinetry, durable Granite countertops, a large center island, and a walk-in pantry for plenty of storage. Private Primary Suite: Includes a spacious bedroom, walk-in closet, dual-sink vanity, soaking tub, and a separate shower. Versatile 4-Bedroom Floorplan: Excellent layout for a growing family, dedicated home office, or guest space. Community & Location Highlights Resort-Style Amenities: Enjoy access to the community pool, ideal for unwinding on warm Florida afternoons and meeting neighbors. Near St. Andrews Bay: Close to public boat launches and waterfront access for weekend fishing, paddleboarding, and boating. Convenient Callaway Location: Minutes from local dining, grocery stores, and daily conveniences. Whether you are relocating for orders or searching for turnkey coastal living, 251 Ryder Lane combines effortless upkeep, unbeatable base proximity, and neighborhood comfort. Schedule your private tour today! Logan Etheridge Legacy Premier Agency

251 Ryder Lane, Panama City

Listing courtesy of Legacy Premier Agency.

$350,000

3 Beds ⋅ 2 Baths ⋅ 796167 MLS

Welcome to 2323 Discovery Loop -- a beautifully crafted Harris Doyle home featuring the highly sought-after Sabal floor plan in the heart of Panama City's premier master-planned community, SweetBay. Built in 2025, this 3-bedroom, 3.5-bathroom home offers 1,646 square feet of thoughtfully designed living space with the perfect balance of modern comfort, quality construction, and low-maintenance living. Inside, you'll find a bright, open-concept layout filled with natural light and stylish finishes. The spacious kitchen features stone countertops and stainless steel appliances and flows seamlessly into the dining and living areas -- perfect for everyday living or entertaining. One of the home's standout features is its incredibly versatile bedroom layout. The first-floor primary suite offers added convenience and privacy with a spacious walk-in closet and an impressive tile-to-ceiling shower. Upstairs, you'll find a second primary suite complete with its own private balcony, creating the perfect place to relax and enjoy the Florida lifestyle. The third bedroom also features its own en-suite bath, giving every bedroom access to a private bathroom. Outside, enjoy a covered porch and patio along with a low-maintenance homesite designed for those who would rather spend their time enjoying everything SweetBay has to offer. Living in SweetBay means more than just a home -- it's a lifestyle. The community offers resort-style pools, basketball and sports courts, playgrounds, parks, miles of walking and biking trails, grilling areas, fire pits, a private beach, community dock, fishing, kayaking and access to the bay. University Academy is conveniently located within the neighborhood, while the growing SweetBay Town Center puts Publix, Starbucks, dining, and everyday conveniences just minutes away. A future marina will add even more to this already incredible community. Don't miss your opportunity to own this nearly new Sabal floor plan featuring two primary suites, three en-suite bedrooms, a private balcony, and an exceptional location in one of Panama City's most desirable communities -- schedule your private tour today!

2323 Discovery Loop, Panama City

Listing courtesy of Think Real Estate.

$140,000

3 Beds ⋅ 2 Baths ⋅ 796157 MLS

Welcome home to this 3-bedroom, 2-bath home that's truly move-in ready. You will walk into a spacious, open layout designed for comfortable living. Fresh, neutral colors throughout create a clean, inviting feel and make it easy to add your personal touch. With thoughtful updates already completed, this home is ready for its new owner to move right in and enjoy. Comfortable, and well-maintained, don't miss this opportunity!

3701 E 5th Street, Panama City

Listing courtesy of Real Broker LLC.

$255,000

3 Beds ⋅ 2 Baths ⋅ 796150 MLS

THE PRICE IS RIGHT -- COME ON DOWN! THIS HOME IS DEFINITELY PRICED RIGHT! If you've been waiting for a home that feels comfortable, welcoming, and truly ready for you to move right in, this is the one! Make your appointment today, because a home like this won't stay on the market for long. From the moment you walk through the door, you'll feel the warmth of a home that has been well cared for and loved. There's a wonderful neighborhood feel here -- without the HOA and those extra fees! The spacious family room is the heart of the home, complete with a wood-burning fireplace that sets the stage for cozy evenings, movie nights, and time together with the people you love. Open the sliding glass doors and step outside to your huge, fully fenced backyard, where the possibilities are endless. There's plenty of room for a large pool, garden, pets, playtime, or simply relaxing and enjoying your own private outdoor space. And imagine gathering around a fire pit with family and friends, relaxing in the hanging swings while the kids roast marshmallows and everyone enjoys a good old-fashioned S'mores night! These are the kinds of spaces where memories are made. Inside, beautiful plank tile flooring flows through the main living areas, creating an easy and comfortable space for everyday living, while carpeting in the bedrooms adds warmth and coziness. Both bathrooms have been tastefully remodeled, including the primary bath with a convenient walk-in shower. And then there's the location -- you really are in the middle of it all! Whether you're commuting to work, heading to the beach for the day, or enjoying everything Panama City has to offer, this central location makes life easier. You're just around the corner from SweetBay, University Academy, parks, shopping, dining, medical facilities, and the newly expanded Highway 390 corridor. This isn't just a house -- it's a place where you can settle in, relax, entertain, and make memories for years to come. It's move-in ready, beautifully maintained, conveniently located, and ready for someone new to make it their own. If you've been looking for a home that gives you space, comfort, convenience, and a backyard full of possibilities -- THIS ONE IS FOR YOU!

3112 Lanny Lane, Panama City

Listing courtesy of Counts Real Estate Group Inc.

$249,000

4 Beds ⋅ 2 Baths ⋅ 796137 MLS

Welcome to affordable Florida living with the space, updates and outdoor lifestyle you've been searching for. This beautifully updated four-bedroom, two-bath home sits on a full acre and offers a bright, open layout with modern finishes throughout. Inside, you'll find updated flooring, spacious living areas and a beautifully refreshed kitchen featuring ample cabinetry, generous counter space and a large island that makes the perfect gathering spot for everyday living or entertaining. The functional floor plan offers plenty of flexibility for everyday living, guests, a home office or additional living space, while the bedrooms provide comfortable accommodations and a clean, updated feel throughout. Step outside and take full advantage of the Florida lifestyle with your own private pool, perfect for cooling off on hot summer days, hosting friends and family or simply relaxing in your own backyard retreat. The expansive deck offers plenty of space for grilling, outdoor dining and lounging, while the full-acre homesite provides room to spread out and enjoy a little extra privacy. With four bedrooms, two full baths, modern updates, a private pool, spacious deck and one acre of land, this home delivers a hard-to-find combination of space, comfort and Florida charm at an approachable price point. Some photos may be AI-enhanced.

7403 Sweetbriar Road, Panama City

Listing courtesy of Coastal Living Realty & Associates.

9900 S Thomas Drive Unit 1911, Panama City

$365,000

2 Beds ⋅ 2 Baths ⋅ 796136 MLS

Positioned on the 19th floor of Shores of Panama, Unit 1911 presents an exceptional opportunity for investors seeking a Gulf-front vacation rental in the heart of Panama City Beach. This beautifully maintained condo offers unobstructed southern-facing views of the resort's expansive lagoon-style pool and the sparkling Gulf waters, creating an ideal setting for attracting vacation renters and maximizing the appeal of a short-term rental property. The spacious open-concept floor plan provides a comfortable and inviting environment for guests, with tile flooring throughout the main living areas and a private balcony where guests can relax while enjoying panoramic views of the resort and Gulf. The well-appointed kitchen features granite countertops, modern appliances, and a functional layout that makes preparing meals and entertaining convenient. The condo's two bedrooms plus a dedicated bunk room provide flexible accommodations for families and groups, while both the bedroom and bunk room feature private full bathrooms. A full-size stacked washer and dryer add another valuable convenience for vacation guests and owners. From an investment perspective, Unit 1911 combines several features that can make a Gulf-front vacation rental highly desirable, including its high-floor location, direct Gulf views, resort setting, beach access, and family-friendly accommodations. Guests also have access to an extensive collection of on-site amenities designed to create a complete vacation experience without leaving the property. Shores of Panama features a spectacular Gulf-front lagoon-style pool complete with waterfalls and bridges, along with a heated indoor pool, hot tub, and outdoor Jacuzzi. Guests enjoy private beach access, beachfront water sport rentals, and convenient dining and refreshment options including a poolside tiki bar, on-site tiki grill, and coffee and donut shop. Additional resort conveniences include a covered parking garage, 24-hour fitness center, meeting and event space, picnic and grilling areas, and complimentary Wi-Fi throughout the property. For investors, the combination of Gulf-front location, resort amenities, spacious guest accommodations, private balcony, and sought-after Panama City Beach location provides a compelling foundation for a vacation rental property. The layout is well suited for families and groups, while the resort environment offers the amenities and experiences that can help make a property attractive to short-term vacation guests. Whether you're looking to expand a vacation-rental portfolio, purchase a second home with rental potential, or own a Gulf-front property that can generate rental income when you're not using it, Unit 1911 offers the views, accommodations, location, and resort lifestyle that make Shores of Panama a recognizable destination in Panama City Beach. Unit 1911 is a Gulf-front investment opportunity that combines impressive views, strong guest appeal, and the convenience of a full-service resort setting.

9900 S Thomas Drive Unit 1911, Panama City

Listing courtesy of Compass Florida, LLC.

$320,000

4 Beds ⋅ 3 Baths ⋅ 1013064 MLS

Welcome to 120 Arlington Dr, a spacious 4-bedroom, 3-bath home offering plenty of room to spread out, entertain, work from home, or simply relax. Inside, you'll find multiple living areas, wood-look flooring throughout much of the home, and an updated kitchen featuring dark cabinetry, stainless-steel appliances, generous counter space, and a large peninsula with room for casual seating. The oversized primary suite offers an impressive amount of space and is complemented by a roomy bath with a tiled walk-in shower. Three additional bedrooms provide flexibility for guests, office space, or hobbies. Outside, enjoy a large backyard, rear patio, and a setting made even more appealing by water views just across the street. The home also features a metal roof installed in 2019, public water and sewer, and no mandatory HOA. Conveniently located in Springfield with easy access to Panama City, Tyndall AFB, shopping, dining, and everyday amenities. Whether you're looking for space, flexibility, or a home with a peaceful view, this home is ready to welcome its next owner. Schedule your showing today!

120 Arlington Dr, Panama City

Listing courtesy of Realty ONE Group Emerald Coast.

Panama City Homes under $400,000

Newest Panama City Homes under $400,000