Panama City Homes with Bay Waterfront Features

Panama City Homes with Bay Waterfront Features

Welcome to Panama City, Florida—a vibrant coastal gem nestled in Bay County that perfectly blends stunning natural beauty with a lively community atmosphere. Known for its picturesque waterfront views and inviting sandy beaches, Panama City offers a unique lifestyle that attracts both families and retirees alike. With its rich history, diverse culture, and a plethora of recreational activities, this charming city is the perfect place to call home.

One of the standout features of Panama City is its incredible selection of homes with Bay waterfront properties. Imagine waking up each morning to the soothing sounds of waves lapping against the shore, with breathtaking views of the bay right from your living room. These waterfront homes offer a lifestyle that embodies relaxation and leisure, making it easy to enjoy outdoor activities such as boating, fishing, and swimming.

The real estate market in Panama City boasts a variety of options, from cozy bungalows to luxurious waterfront estates, ensuring that there’s something for everyone. Many of these homes come equipped with private docks, expansive decks, and easy access to the pristine waters of St. Andrew Bay. Whether you’re looking for a serene retreat or an active lifestyle, the waterfront properties in Panama City provide the perfect backdrop for creating lasting memories.

In addition to stunning homes, residents of Panama City enjoy a vibrant local scene filled with charming shops, delicious dining options, and exciting cultural events. With its warm climate and friendly community, Panama City is not just a place to live—it's a place to thrive. Come discover your dream waterfront home in this beautiful coastal paradise!

Newest Panama City Homes with Bay Waterfront Features

$2,850,000
3 Beds ⋅ 5 Baths ⋅ 1011673 MLS
Experience timeless elegance and waterfront serenity in this extraordinary Mediterranean-inspired estate, perfectly positioned on a sprawling bayfront lot. From the moment you arrive, the home's graceful arches, warm architectural details, and inviting courtyard create an unforgettable first impression, setting the stage for a lifestyle defined by beauty, comfort, and coastal charm. Inside, the residence unfolds with refined sophistication. A spacious living room anchored by a stunning fireplace opens to breathtaking bay views, creating the perfect setting for both relaxed evenings and elegant entertaining. The formal dining room showcases exquisite custom plaster-finished walls, offering a rich and artistic backdrop for memorable gatherings. At the heart of the home, the chef's kitchen is as functional as it is beautiful, featuring a striking brick accent wall, double ovens, a gas range, and an oversized island with a butcher block top. Sunlit and inviting, the eat-in kitchen overlooks both the tranquil koi pond and the sparkling bay beyond, seamlessly blending indoor and outdoor living. Just off the kitchen, a cozy sitting room with its own fireplace provides the perfect retreat for quiet mornings or intimate conversations. The thoughtfully designed split floor plan offers privacy and comfort, highlighted by a luxurious master suite that includes a rare original 1940 greenhouse feature, adding a touch of history and charm. The spa-like master bathroom invites relaxation with a large soaking tub, separate shower, and an expansive walk-in closet. Three additional bedrooms, each with their own full bathrooms, ensure comfort for family and guests alike, with one guest suite featuring its own fireplace for added warmth and character. A gallery-style hallway runs through the home, offering the perfect space to display art and personal collections. Outdoors, the property transforms into a true private oasis. Multiple water features, including a beautifully stocked koi pond, create a peaceful, resort-like atmosphere. The custom covered patio and pergola with an outdoor fireplace and built-in grilling area make entertaining effortless, while the expansive lawn stretches to the water's edge, complete with a seawall and direct bay access. Adding a sense of fun and uniqueness, the grounds also feature a zip line and a custom playhouse, making this estate as playful as it is luxurious. Blending classic Mediterranean architecture with modern comforts and unparalleled waterfront living, this one-of-a-kind property offers a lifestyle that is both elegant and unforgettable. Whether enjoying quiet sunsets over the bay or hosting gatherings under the stars, this home is a rare opportunity to own a true coastal masterpiece.

518 Bunkers Cove Rd, Panama City

Listing courtesy of Century 21 Commander Realty Inc.

$75,000
1010983 MLS
Build your dream home on over half an acre of prime waterfront property in prestigious Plantation Point. As one of the largest lots in the neighborhood, this exceptional parcel offers unobstructed, panoramic views of East Bay with no HOA restrictions holding you back. Surrounded by high-end homes ranging from 1,800 to 3,000 square feet, this property provides the perfect backdrop for luxury coastal living. Key Features: Prime Location: Over 0.5 acres in desirable Plantation Point Stunning Scenery: Unobstructed East Bay waterfront views Freedom & Flexibility: No HOA guidelines or fees Surrounding Values: Established community of upscale custom homes

865 Plantation Way, Panama City

Listing courtesy of EXP Realty LLC.

$270,000
3 Beds ⋅ 3 Baths ⋅ 1003408 MLS
Seller will contribute $5,000 towards Buyers closings costs! Welcome to Sunbay Townhomes, a rare chance to own a versatile property with prime visibility and beautiful water views in Panama City. Perfectly positioned along a high-traffic corridor, this property offers endless potential whether you're looking for a primary residence, investment opportunity, or a unique live/work setup. Enjoy stunning sunrises over the water and the convenience of quick access to Tyndall Air Force Base, shopping, dining, and downtown Panama City. Inside, the home features a functional layout ready for your personal touch. Large windows invite in natural light and showcase the peaceful surroundings, while the outdoor space offers plenty of room to relax, take in the coastal breeze while you walk on the beach. Whether you're an investor, business owner, or homeowner looking for a property with character and potential, this one checks all the boxes. Don't miss your chance to own a piece of the coast with high visibility and endless possibilities, book your private showing today.

6089 E Hwy 98 Bus, Panama City

Listing courtesy of ERA Neubauer Commercial.

$775,000
2 Beds ⋅ 2 Baths ⋅ 1002367 MLS
Gorgeous waterfront home that's as close to paradise as you can get. As you enter through your private security gate fresh beautiful landscaping abounds with breathtaking views of the deep waters of Cook Bayou and East Bay. Along with the views is your own private salt water pool that adds a spa like serenity to this little piece of paradise. Entering the home, you will immediately notice the bright open floor plan of the living room, kitchen and dining area. The soft wall colors, natural light and beautiful tongue in groove ceilings create a relaxing environment that makes this cozy home feel comfortable and inviting. Prepare your meals in the beautiful, as well as functional kitchen while admiring your waterfront view. The large primary bedroom has sliding glass doors that lead out to the balcony and screened in porch that overlooks the bay and pool. The primary bathroom will take your breath away with its spa like feel, with glass walls, double vanity, and tiled shower. On the way to the dock, you will find the recently added 12,000 gallon salt water heated pool with water feature and LED lights. Continue down the composite wood dock to find the covered boat lift with electric motors and a newly installed jet ski lift. Imagine ending your day relaxing on the custom-built bench at the end of the dock watching the dolphins play and birds feed as the sun sets and delivers an unimagined beauty. Every upgrade in this home was carefully thought out and designed for efficiency, functionality, and energy savings from the seamed metal roof to the Bosch air conditioning system. Large oversized work shop with electricity and a lean-to on both sides is great for the hobbyist or craft enthusiast. If you're looking for beautiful property that provides amazing access to water sports and some of the most stunning sunsets around, then you have found it.

11535 Poston Rd, Panama City

Listing courtesy of 30A Local Real Estate.

$1,099,000
993406 MLS
This is your opportunity to own a 1.17-acre, WATERFRONT estate-size homesite on iconic Scenic Beach Drive in Panama City, Florida with NO HOA! Perfectly positioned with stunning Bay views, this exceptional property spans street-to-street and includes two parcels extending down to the Bay, creating a truly unique setting for your future waterfront dream home. This size homesite in this location are not available often offering a unique blend of privacy with the homesite size and desirable location in between Historic St. Andrews and Downtown Panama City. With 132 feet frontage, this homesite provides a generous, buildable footprint ideal for an estate-sized home. Zoned R-1 for single family homes, the property is ready for your vision and allows flexibility in design without HOA restrictions. Deeded waterfront access further enhances the value and lifestyle appeal, making this one of the most desirable opportunities along Scenic Beach Drive. Ideally located between Historic St. Andrews and Downtown Panama City, this homesite places you at the heart of a vibrant coastal community. Enjoy walking or biking to local farmers markets, breweries, boutique shops, marinas, and a variety of dining options. Scenic Beach Drive is known for its bike-friendly streets, community events, parades, and classic waterfront charm. The waterfront lifestyle extends far beyond your backyard. Launch kayaks or paddleboards, anchor your boat for the day, enjoy a refreshing swim, or simply relax and take in the ever-changing Bay views. And when summer arrives, experience one of Scenic Beach Drive's most beloved traditions, Fourth of July fireworks over the Bay...best enjoyed from the comfort of your own home. With its rare size, premier location, Bay views, and no HOA, this estate-size homesite offers endless possibilities to create a custom waterfront retreat and fully embrace the Florida coastal lifestyle. Survey is available.

1108 W Beach Dr, Panama City

Listing courtesy of Corcoran Reverie SRB.

$186,600
1 Beds ⋅ 1 Baths ⋅ 983809 MLS
RENOVATIONS COMPLETED and WOW! . New flooring! New paint! New countertops! Landmark Condominiums on Saint Andrew at an affordable price, your own piece of paradise! This pristine, beautiful condominium property offers a private beach, two community pools, a workout facility, outdoor grills and sitting areas, and even an owner's storage closet conveniently located outside the unit for extra storage space. The open floor plan and well-designed kitchen/dining area give you plenty of space for entertaining. And there is even an outdoor sitting area to enjoy the peaceful morning or to unwind in the afternoon. Just minutes away from dining options along Harrison or Beck Avenue, or venture on to Panama City Beach for the white sand beaches and emerald waters of the Gulf of Mexico.

2100 W Beach Dr Unit H103, Panama City

Listing courtesy of Coldwell Banker Realty.

$1,895,000
4 Beds ⋅ 5 Baths ⋅ 987287 MLS
LANDMAXXING at its finest! Welcome to 34 Palms -- A One-of-a-kind Waterfront Oasis Redefining Luxury Coastal Living. Experience the pinnacle of Florida waterfront living at 6701 Yacht Club Drive, a remarkable 0.83-acre peninsula estate with 360° panoramic bay views and endless adventure come together. Perfectly positioned with water on all sides, this 4-bedroom, 5-bath, 4,125-square-foot home captures the essence of the Florida boating lifestyle -- where every sunrise, sunset, and gentle breeze reminds you that you've arrived somewhere truly special. A Boater's Paradise: With direct Gulf access from your backyard, 34 Palms is your personal gateway to the open water. Offering both a private dock and an additional community boat slip, this property was designed for those who love to live life on the water. The calm bay setting is also perfect for kayaking, paddle-boarding, and jet skiing, all from the comfort of your home. Outdoor Living at Its Finest: Every inch of the estate was designed to celebrate outdoor living. Expansive decks and palm-lined walkways lead to multiple lounging areas ideal for entertaining or simply soaking in the serenity. Surrounded by lush tropical landscaping, this private oasis allows you to fish, paddle, or relax in complete tranquility all while enjoying breathtaking 360° views unique to its peninsula setting. Elegant Interiors & Inspired Design: Inside, natural light pours through floor-to-ceiling windows, illuminating open living spaces that seamlessly blend indoor and outdoor living. The heart of the home a bright, modern kitchen and inviting living area is perfect for both gatherings and quiet reflection, offering stunning water views from every angle. Luxurious Private Retreats: The primary master suite, perched on the top floor, provides a peaceful sanctuary with a private balcony, outdoor shower, and sweeping sunrise-to-sunset views. A third-floor guest suite offers its own ensuite bath and walk-in closet, while two additional bedrooms share a charming Jack-and-Jill bath ideal for family or guests. A three-car garage with an office or workshop space completes the thoughtful layout. Key Features -0.83-acre peninsula lot with water on all sides -Over 500+ of Waterfront -Private dock plus community marina boat slip -Direct Gulf of Mexico access for boating and fishing -Expansive 4,125 sq. ft. of light-filled living space -Multiple decks and outdoor entertaining areas -Lush tropical landscaping -Waterfront Gazebo with Private Beach -Largest lot in East Bay Preserve More than a home, 34 Palms is a lifestyle one defined by endless horizons, outdoor adventure, and effortless elegance. Discover unparalleled waterfront living where every day feels like a getaway. Schedule your private tour today and experience how 34 Palms redefines luxury coastal living.

6701 Yacht Club Dr, Panama City

Listing courtesy of Christies International Real Estate Emerald Coast.

$2,000,000
909416 MLS
Pristine property located on beautiful St. Andrew's Bay in Panama City, FL. This property features 132 feet on St. Andrew Bay with a total of 1.67 acres. It is +/-1/2 mile east of the Hathaway Bridge, close to Port Panama City, Gulf Coast State College, Florida State University Panama City Campus, and Panama City Beach. In addition to St. Andrew's Bay, the property overlooks St. Andrew Bay, the Pass to the Gulf of Mexico and Shell Island. The property is zoned GC-2 General Commercial, allowing for multiple uses including, but not limited to, hotel/motel, multi-family, condominium, restaurant, retail, mixed-use, office, etc.

4423 W Hwy 98, Panama City

Listing courtesy of Counts Real Estate Group Inc.

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