Panama City Homes with Boat Dock/Slip Waterfront Features

Welcome to Panama City, Florida, where coastal charm meets vibrant community life! Nestled in Bay County along the beautiful Gulf of Mexico, Panama City is a true gem of the Sunshine State. Known for its stunning white-sand beaches, crystal-clear waters, and a plethora of outdoor activities, it’s no wonder that Panama City is a sought-after destination for both residents and visitors alike.

Imagine waking up each day to breathtaking views of the water and the gentle sound of waves lapping against your boat dock. In Panama City, homes with boat dock and slip waterfront features are not just a dream; they are a reality! These exquisite properties provide direct access to the bay and the Gulf, making them perfect for boating enthusiasts, fishing aficionados, or anyone who simply loves to bask in the beauty of waterfront living.

The real estate market here offers a variety of options, from luxurious waterfront estates to charming bungalows, all designed to maximize your enjoyment of the stunning natural surroundings. Whether you prefer a serene retreat or a lively neighborhood filled with dining and entertainment options, you’ll find the perfect home that suits your lifestyle.

With a rich history, vibrant arts scene, and a welcoming community, Panama City is more than just a place to live; it’s a lifestyle choice. Explore the endless possibilities that await you in this coastal paradise, where your dream home with a boat dock is just a key turn away! Come discover the magic of Panama City, where every day feels like a vacation.

Newest Panama City Homes with Boat Dock/Slip Waterfront Features

$1,195,000

5 Beds ⋅ 5 Baths ⋅ 795021 MLS

Experience elevated golf course living at 109 Dragon Circle, ideally positioned along the 8th green and 9th tee box of the prestigious Nicklaus Golf Course in Dragon's Ridge, the newer gated section of Bay Point in Panama City Beach. This beautifully updated residence blends refined finishes, generous living spaces, and resort-style outdoor living in one exceptional setting. Inside, an impressive, oversized kitchen island anchors the open entertaining space, complemented by updated bathrooms, flooring, and fresh interior and exterior paint. Spacious rooms and thoughtfully designed gathering areas create an effortless flow for both everyday living and entertaining. Outdoors, a private pool and hot tub overlooking the golf course create a true backyard retreat. The recently resurfaced pool, expansive outdoor space, three-car garage, oversized driveway, and park directly across the street further enhance the home's appeal. Bay Point offers a lifestyle unlike any other, with the Nicklaus Golf Course, Point South Marina, Gulf access, community boat launch, dining, playgrounds, and more just moments away. Whether enjoying an afternoon on the course, boating the Gulf, or relaxing poolside, 109 Dragon Circle delivers luxury coastal living in one of Panama City Beach's most desirable gated communities.

109 Dragon Circle, Panama City

Listing courtesy of 1 Percent Lists Florida Coast.

$635,000

5 Beds ⋅ 4 Baths ⋅ 793614 MLS

SELLER NOW OFFERING $10,000 IN BUYER INCENTIVES! Seller is offering up to $10,000 toward Buyer's closing costs, interest rate buy-down, and/or other allowable expenses -- PLUS a one-year home warranty! Take advantage of these valuable incentives and make your move with less out-of-pocket expense at closing! Welcome to 12815 Merial Pass, a two-story brick home located in Phase I of the highly sought-after gated Lake Merial community, where timeless architecture, spacious living, and resort-style outdoor amenities come together to create an exceptional place to call home. Situated on a nearly half-acre corner lot with picturesque views of beautiful spring-fed Lake Merial, this impressive residence offers approximately 3,199 heated and cooled square feet, including 4 bedrooms, 3.5 bathrooms, and a spacious upstairs bonus room that could easily serve as a fifth bedroom, media room, playroom, or home office. Built in 2014, this home offers outstanding curb appeal with its classic brick exterior, dimensional shingle roof, manicured landscaping, and fenced backyard. Inside, you'll find a thoughtfully designed floor plan featuring approximately 2,304 square feet on the main level and an additional 895 square feet upstairs. Step through the front door into an inviting foyer, where a formal dining room welcomes guests on one side and a dedicated home office sits on the other. Throughout the home, elegant crown molding, neutral finishes, engineered hardwood flooring, luxury vinyl plank flooring in the downstairs bedrooms, and ceiling fans in every bedroom create a warm yet sophisticated atmosphere. The spacious living room features beautiful tray ceilings and flows seamlessly into the open-concept kitchen, making it the perfect gathering place for family and friends. Designed with both function and style in mind, the kitchen offers abundant cabinetry, generous countertop space, and updated appliances, including a stove and dishwasher that are approximately two years old and a refrigerator that is approximately three years old. Just off the kitchen, a convenient half bath provides easy access for guests. The primary suite serves as a relaxing retreat, complete with a tray ceiling and a well-appointed ensuite bathroom featuring dual vanities, a soaking garden tub, separate walk-in shower, and spacious walk-in closet. Step outside and discover a backyard designed for enjoying the Florida lifestyle year-round. Installed in 2022, the saltwater pool and attached hot tub create an incredible outdoor oasis for relaxing or entertaining. The pool is equipped with both a heater and chiller, allowing you to comfortably enjoy the water throughout every season. The fully fenced backyard also includes a storage shed, while a newer irrigation well helps efficiently maintain the lawn and landscaping while reducing water costs. Comfort is maintained throughout the home with dual HVAC systems, allowing separate climate control for both the upstairs and downstairs living areas. Upstairs you'll find a massive bonus room that offers endless possibilities and could easily function as a fifth bedroom, game room, media room, fitness space, or additional family room. An additional upstairs bedroom and full bathroom make this level ideal for guests, teenagers, or multigenerational living. Living in Lake Merial means more than simply owning a beautiful home, it is embracing an exceptional lifestyle. Residents enjoy access to the community's stunning 300-acre spring-fed lake, where kayaking, paddleboarding, fishing, and electric-powered boating create endless opportunities for outdoor recreation. Three community lake access areas make enjoying the water effortless, while scenic walking trails, green spaces, food truck nights, neighborhood events, holiday celebrations, and golf cart-friendly streets foster a true sense of community unlike anywhere else in Bay County. If you've been searching for a home that combines generous living space, timeless construction, resort-style outdoor amenities, beautiful lake views, and one of Bay County's most desirable gated communities, this exceptional Lake Merial property is one you won't want to miss. Schedule your private showing today.

12815 Merial Pass, Panama City

Listing courtesy of ERA Neubauer Real Estate, Inc.

$159,000

1 Beds ⋅ 1 Baths ⋅ 793517 MLS

This adorable home is for sale!! 2026, lovely finishes and so many features!! Hardie board exterior, luxury interior and all appliances included. There is a loft for extra space or kids sleeping quarters. There is a 40 boat slip BRAND NEW marina on property! Access to the Gulf and beautiful views are at your fingertips! The Coldwater is move in ready, the views are loaded up and ready for you! Go out on your boat all day and park at the marina, come home and relax while you watch the sun go down! Washer and dryer even included and this unit has the option to come fully furnished. Minutes from Tyndall AFB. Live that desired coastal lifestyle! Schedule your showing today!!

5612 E Highway 98 Unit Unit #1, Panama City

Listing courtesy of Anchor Realty Florida.

$374,900

3 Beds ⋅ 3 Baths ⋅ 792383 MLS

Wake up to breathtaking sunrises over St. Andrews Bay and unwind each evening with spectacular sunsets from your private balcony in this beautifully maintained 4th-floor residence at Magnolia Bay Club. This spacious waterfront condominium offers 3 bedrooms, 3 full baths, abundant storage, and panoramic bay views from the main living areas and primary suite. The kitchen features stainless steel appliances, granite countertops, solid wood cabinetry, a breakfast bar, and tile flooring. Fresh interior paint, updated furnishings, and coastal décor create a light, inviting atmosphere that's move-in ready. The primary suite is a peaceful waterfront retreat, while the second bedroom offers a private en suite, providing comfort and privacy for family and guests. Magnolia Bay Club amenities include a bayfront pool, clubhouse with kitchen, fitness center, billiards room, fishing dock, additional storage on the fourth floor, one assigned covered parking space, and ample guest parking. If you've been searching for waterfront living with incredible views, outstanding amenities, and a convenient location, this is one you won't want to miss!

2400 Grandiflora Boulevard Unit E403, Panama City

Listing courtesy of Beachy Beach Real Estate.

$1,399,000

3 Beds ⋅ 4 Baths ⋅ 790734 MLS

LUXURY LAKEFRONT ESTATE IN GATED CEDAR CREEK COMMUNITY - Experience exceptional lakefront living in this stunning Arthur Rutenberg custom-built home, perfectly situated on 1.9 private acres within the prestigious gated Cedar Creek community. Designed with both elegance and comfort in mind, this meticulously maintained 3-bedroom, 4-bath residence offers breathtaking water views, premium finishes, and resort-style outdoor amenities. Inside, you'll find soaring tray ceilings, extensive crown molding, and ceramic tile flooring throughout. Large energy-efficient windows fill the home with natural light while providing unobstructed panoramic views of the lake from nearly every room. The gourmet kitchen is a chef's dream, featuring a spacious center island, double ovens, gas cooktop, Sub-Zero refrigerator, oversized pantry, and an abundance of custom cabinetry. Whether entertaining guests or preparing family meals, this thoughtfully designed space offers both beauty and functionality. A rare and desirable feature, this home could easily be described as having three master suites, as each bedroom includes its own private bathroom. All three en-suite baths feature luxurious zero-entry tiled showers, creating a spa-like experience for family and guests alike. The expansive covered lanai serves as an outdoor living room, complete with a fireplace, television, and ample space for relaxing, entertaining, or simply enjoying spectacular lake views year-round. Car enthusiasts and hobbyists will appreciate the oversized garage with room for up to four vehicles. A large circular driveway and substantial stone-paver parking pad provide additional convenience and impressive curb appeal. The beautifully landscaped grounds showcase mature fruit trees, including satsuma, apple, and pear varieties. The fenced backyard is designed for both recreation and functionality, featuring a 24' x 28' workshop/storage building, private boat ramp, dock, and covered boathouse equipped with a boat lift--offering direct access to the lake for fishing, boating, and watersports. This extraordinary property combines luxury craftsmanship, privacy, and waterfront living in one exceptional offering. Don't miss the opportunity to own one of Cedar Creek's most impressive lakefront estates.

9701 Summer Creek Drive, Panama City

Listing courtesy of Anchor Realty Florida.

$1,100,000

5 Beds ⋅ 5 Baths ⋅ 790039 MLS

Welcome to S Lagoon waterfront living, where investment potential, lifestyle, and flexibility come together in one beautifully updated 3-in-1 property, Pontoon conveys. Positioned directly on the water with two boat slips and a boat lift, this rare opportunity is ideal for boating enthusiasts, short-term or long-term rental income, multi-generational living, the ultimate house hacking. The main upstairs furnished dwelling features 3 bedrooms, 2.5 baths, and a spacious three-quarter wraparound balcony designed to capture breezes, water views, and the relaxed coastal lifestyle. The property has been completely updated and remodeled, offering peace of mind with all new modern interior design in 2020, Hardie board exterior in 2022, plus roof, windows, and doors updated in 2019. This level offers wide open living with windows all the way around bring the outdoors in. Almost feel like you're walking on water. The open concept means whether in the living room, kitchen of dining, the lagoon is living breathing art. In addition to the main residence, there are two separate 1-bedroom units on the main level. The waterfront apartment is fully furnished and features its own covered deck overlooking the lagoon, creating a charming retreat for guests, parents in their golden years, or rental income (short term, or long term). The second 1-bedroom unit is located street side, offering even more flexibility for extended family, tenants, or owner-occupant income potential. Whether you envision a waterfront primary residence with income-producing units, a multi-generational coastal compound, or a smart investment property in a highly desirable location, this S Lagoon property delivers rare versatility, updated design, peace of mind of a renovation, and the boating lifestyle Florida is made of.

6722 S Lagoon Drive, Panama City

Listing courtesy of Beachy Beach Real Estate.

$309,000

3 Beds ⋅ 2 Baths ⋅ 789894 MLS

CHECK OUT THE NEW PRICE ON THIS WATERFRONT CONDO! SAME BEAUTIFUL VILLA! Experience coastal living in this beautifully decorated waterfront villa, perfectly positioned for relaxation and adventure. The expansive primary suite offers amazing Lagoon views and an en-suite bath with a double sink vanity. A versatile loft bedroom adds extra flexibility. Ideal for hosting additional guests. The open-concept living and dining area is perfect for entertaining, with a breakfast bar for added casual dining. A downstairs bedroom with a full bath ensures convenience and privacy. Enjoy community amenities, including a pool, pickle ball/tennis courts, and dock with easy Bay and Gulf access. Boat parking is available. Convenient access to beach, dining, shopping, and the Navy base, this villa offers both comfort and investment potential. View this one in person in between the rental guests, fall in love, and make an offer we can't refuse!

8730 S Thomas Drive Unit 213, Panama City

Listing courtesy of Compass Florida, LLC.

$489,000

3 Beds ⋅ 2 Baths ⋅ 788885 MLS

Welcome to 1713 Sweet Pea Court, a beautifully maintained 3-bedroom, 2-bath Orchid Plan by Samuel Taylor Homes located in the highly sought-after SweetBay master-planned community. Designed with both comfort and functionality in mind, this Craftsman-style home offers an open-concept layout, quality finishes, and an exceptional lifestyle in one of Panama City's most desirable golf cart-friendly neighborhoods. A golf cart is included with the home, making it easy to enjoy everything this vibrant coastal community has to offer. Inside, the home features fresh interior paint, updated light fixtures, and thoughtful upgrades throughout. The kitchen is designed for everyday living and entertaining with quartz countertops, custom backsplash, under-cabinet lighting, stainless steel appliances including a gas range, a spacious walk-in pantry, and a large island overlooking the living and dining spaces. The private primary suite offers a peaceful retreat with tray ceilings, double vanities, a tiled walk-in shower, and a generous walk-in closet. A split-bedroom floor plan provides privacy, while additional features include custom blinds, ceiling fans, dedicated laundry area, gutters, hurricane protection, and meticulous upkeep throughout. Step outside to a screened lanai, extended patio, and fenced backyard ideal for relaxing, entertaining, or enjoying outdoor living. Beyond the home itself, SweetBay offers a true lifestyle destination. Residents enjoy private beach access on North Bay, miles of walking and biking trails, open green spaces, community pools, sports courts, playgrounds, kayaking and paddleboarding access, shopping, dining, and a vibrant town center. Families will appreciate having University Academy, a top-rated K-8 school, located right within the community, adding convenience and long-term value. Golf cart-friendly streets make it easy to explore neighborhood amenities, connect with neighbors, and enjoy the coastal community atmosphere SweetBay is known for. Located just minutes from downtown Panama City, waterfront recreation, and the Gulf beaches, this home offers an exceptional opportunity for buyers seeking a primary residence in a highly amenitized master-planned community. All measurements are approximate and should be verified by buyer if important.

1713 Sweet Pea Court, Panama City

Listing courtesy of Counts Real Estate Group Inc.

$724,900

3 Beds ⋅ 2 Baths ⋅ 785896 MLS

Here is a rare opportunity to own a luxury 3 bedroom, 2.5 bath coastal home in Venture Out that backs up to St. Andrews State Park. This house was built by one of the best builders in Bay Co and is full of detailed craftsmanship. The master has a queen size bed, the second guest bedroom has a queen bed, and the third bedroom has queen size Murphy bed. This beautiful coastal home comes fully furnished and ready to be a vacation home or an investment property. The kitchen has quartz countertops, high end stainless steel appliances and loads of cabinet space. The home has linens included (bed sheets, bath towels, hand towels), washer/dryer, dishwasher, golf cart, all the utensils making it turn key. Enjoy the evening sitting on the back patio watching the deer and other wildlife go by or sit on the front porch and enjoy the people as they pass by. You can also take the golf cart for a short two minute ride to the beach, cruise around the neighborhood, or go sit at the back of the resort and watch the boats and dolphins in the lagoon. There are also many restaurants and family friendly activities that are just minutes away. Located on the most desirable lot backing up to the State Park - great backyard - beach and bay property - 2 community pools - tennis - putting green - shuffleboard - boat dock - fishing dock - golf cart community. All measurements are approximate - please measure to verify.

482 N Marlin Drive, Panama City

Listing courtesy of LoKation Real Estate.

$252,500

1 Beds ⋅ 2 Baths ⋅ 783243 MLS

**OPEN HOUSE AUG. 15TH 11am-2pm** Entrance gate will be open! COME OUT & LOOK! WATERFRONT OF LAGOON -out your back door of this, bottom-floor condo. This South Lagoon water spot takes you directly to the Gulf for deep-sea fishing or a relaxing visit to Shell Island. Sit on your back patio, overlooking this waterfront. (Look at this view.....all views are not the same) Enjoy fishing from your back door or bring your boat & launch it right here, then store it on site. It doesn't get much better than that. Don't forget the pool & tennis courts, shuffle board, fire pit & community room. If you're looking for a short term, rental income producing property, this is it. Located in the middle of Thomas Dr. where all of the action is but a security gate for your privacy. This complex has a Commercial strip outside the gates, with restaurants, a winery & more. St. Thomas Sq. is also within walking distance of the Beach (with handicapped accessible access), and there are more restaurants nearby. (Mexican, Big Easy, Hammerhead Fred's, Wendy's, Pizza, Ice cream) AND NASHVILLE'S TOOTSIE'S !

8730 Thomas Drive Unit 104, Panama City

Listing courtesy of Counts Real Estate Group Inc.

$288,000

1 Beds ⋅ 1 Baths ⋅ 783086 MLS

***Just listed as SHORT SALE & offers must be approved by the Bank. ***Fully Renovated Waterfront Condo - Harbor Villas at Bay Point Wake up to sweeping, unobstructed views of Point South Marina from this beautifully updated condo in the highly desirable Harbor Villas community. Every detail has been thoughtfully curated to deliver comfort, style, and the ultimate coastal lifestyle. Why You'll Love This Home: ***Prime Location - Enjoy all the perks of beach living without the noise, crowds, or traffic ***Peace of Mind - A safe, quiet, and well-maintained community with friendly, welcoming neighbors. Fully Gated entrance with security personnel, ***Lifestyle Living - Take in vibrant sunsets over the marina year-round from the comfort of your own home ***Move-In Ready - Fully renovated interior featuring modern finishes, quality craftsmanship, and thoughtful upgrades throughout Harbor Villas isn't just a place to live -- it's a community. With its unbeatable location, warm atmosphere, and postcard-worthy water views, this condo offers the perfect blend of tranquility and convenience. Don't miss your chance to own a slice of coastal paradise. Bay Point Golf Club also at Bay Point! The only Nicklaus Design course in NW Florida, stretching 7100 yards, is sure to test every club in your bag. The signature island hole # 5 is just one of many that make this course stand out from the competition. A ''must play'' in PCB. Bar 72 offers lunch daily, breakfast Saturday and Sunday, a local favorite. 2016, 2021,2022 US Open Local Qualifying Site. **NEW Pool available for usage with boat slip rental **Yacht Club membership available **Jack Nicholas Golf course available **Deep Sea Fishing ventures available and the 2026 Billfish tournament will have prize money exceeding $1 million dollars! This location is great for residential or increasing your investment portfolio. Short & Long Term Rentals are allowed. Book your appointment today. Don't delay as this was just listed as a SHORT SALE.

4726 Bay Point Road Unit A208, Panama City

Listing courtesy of ERA Neubauer Real Estate Inc.

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