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

$775,000

1005906 MLS

Waterfront lot that is a wow view, sunset and location. Easy to get to Shell Island and the Gulf. It has had major improvements since Hurricane. New 326 ft dock with 2 boat lifts, Dock piling all new and dock raised approximately 2 ft and is extra wide for scooter, so was seawall and all of seawall redone from the water side. It has a new 6 x100 patio across water side of lot and a19x19 patio with electric and water.as well as dock. Dock has double screws to make it stronger. There is a 3rd bay but has no lift. It has extra pilings to tie up boats even a 55 ft boat. Deep water. It had tons of dirt added to lot to raise it up to the dock height. New sidewalk. House was removed after Michael. House is in 3 flood zones. House location is high and level. House not flooded not even close and very little of yard was flooded by Michael. Lot was high and is now higher. It has water, electric and sewer to lot. Building does not convey. This property has a front row seat to fireworks all over. Hearing the taps at Tyndal is awesome. Mexico beach just 20 mins away. Buyer to verify any information that is important to them and schools

141 Blackshear Dr, Panama City

Listing courtesy of Realty Mark Associates.

$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.

$449,999

2 Beds ⋅ 2 Baths ⋅ 998919 MLS

~~Price Correction~~This low rise 2 BDRM condo is Bay front you have an amazing view of the resort pool but, far enough away from the pool noise. If relaxing is on your agenda there is a full-service spa on the first floor. Golfing, fishing, sunning, and or biking all great in this area. The complex allows short term rentals, and many make this their full-time residence.

4100 Marriott Dr Unit UNIT 310, Panama City

Listing courtesy of Berkshire Hathaway HomeServices.

$650,000

4 Beds ⋅ 2 Baths ⋅ 996244 MLS

Welcome to this beautifully renovated 4-bedroom, 2-bath waterfront home offering the perfect blend of modern updates, coastal charm, and true Gulf-access living. With 100 feet of water frontage, a private boat dock, and a boat lift, this property is ideal for anyone who wants to enjoy life on the water. Step inside to find updated flooring, fresh interior paint, and a bright, airy layout filled with coastal vibes. The kitchen has been recently upgraded with modern cabinets, sleek countertops, and newer appliances, delivering both style and function. The spacious master suite features a generous walk-in closet and plenty of natural light, creating a peaceful retreat. Additional highlights include newer lighting throughout, making every space feel refreshed and inviting Outside, enjoy your own backyard oasis with an inground pool installed in 2022, perfect for entertaining, relaxing, or cooling off after a day on the water. Located close to shopping, restaurants, schools, churches, and Tyndall AFB, this home offers incredible convenience while providing the coastal lifestyle buyers are searching for. Move-in ready, updated, and on the water, this one truly has it all!

7432 Chipewa St, Panama City

Listing courtesy of EXP Realty LLC.

$225,000

988099 MLS

Waterfront Lot with Gulf Access - Rare Opportunity in the Panama City area. Discover the perfect blend of seclusion and convenience with this stunning waterfront lot located in Callaway on the east end of Panama City. Just minutes from Tyndall Air Force Base and only a 30-minute drive to the white-sand beaches of Panama City Beach, this property offers a peaceful escape while keeping you close to everything the area has to offer. This is one of six prime waterfront lots available—buy one, two, or all six for an incredible investment or development opportunity. Each lot offers direct Gulf access, and this particular lot features its own dock, making it ready for you to build your dream home right away. With lot prices ranging from $185,000 to $225,000, this is a rare chance to own waterfront property in Panama City at this price point. Whether you're a pilot, officer, retiree, or investor, you'll appreciate the privacy, water access, and long-term value this location provides. Highlights: 1.Waterfront with direct Gulf access 2.Existing dock included 3.Build-ready lot 4.Buy 1, 2, or all 6 lots 5.Minutes from Tyndall AFB, 30 min to PCB 6.Priced from $185K-$225K Waterfront opportunities like this don't last longsecure yours today.

1448 W Park Dr, Panama City

Listing courtesy of EXP Realty LLC.

$189,900

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.

$159,000

988100 MLS

1444 W Park Dr, Panama City

Listing courtesy of EXP Realty LLC.

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