Panama City Homes with Canal Access Waterfront Features

All-Brick Waterfront Home | Direct Gulf Access | Over ½ Acre | NO HOA | Exceptional Privacy Rare opportunity to own over half an acre of private waterfront with no HOA and complete freedom to make the property your own. A dense natural tree line along the back of the lot creates exceptional privacy--you won't see neighbors across the canal, giving you a true sense of seclusion while still enjoying direct waterfront living. This charming all-brick 4-bedroom, 2-bath home offers more than 2,400 sq ft of living space filled with natural light, new flooring throughout, and a fresh interior paint job. Approximately 100 feet of natural shoreline--one of the few remaining natural shorelines in the area--provides easy, soft access for kayaking and paddleboarding, plus a private dock for launching your boat. Cruise less than 9 nautical miles to the crystal-clear waters and white sandy beaches of Shell Island, or head about 11 nautical miles through the pass to open water for deep-sea fishing. Panama City Beach is less than 3 miles away, Tyndall Air Force Base is approximately 15 miles away, and grocery stores and shopping are located nearby. Inside An open, inviting living and dining area centers on a cozy wood-burning fireplace. The kitchen features a breakfast bar, warm wood cabinetry, and granite countertops that flow into the formal dining space. You'll also find a dining nook, a dedicated formal dining room, and a versatile bonus space next to the living room--ideal as a home office or extra dining area. The spacious master suite includes a walk-in closet and a private bath with a walk-in tile shower. Three additional bedrooms share a full bathroom featuring a tiled tub/shower combo. A large laundry room makes daily living effortless. Outdoor Living Step outside to your private waterfront oasis. Enjoy the included hot tub, entertain around the built-in gas and charcoal grill, or gather at the firepit on cooler evenings. The expansive backyard is large enough for a pool, play area, or garden, with two storage sheds and a beautiful orange tree adding charm and fresh citrus. A sprinkler system covers the front and back yards. The home sits on a well-and-septic system with an instant hot-water heater under the sink. Roof is approximately 2017. All-brick construction. This rare waterfront gem combines classic Florida charm, modern updates, natural shoreline access, unmatched privacy from the tree-lined canal, and unbeatable boating convenience--without HOA restrictions. Ideal as a primary residence, weekend getaway, or investment. All sizes, distances, and ages are approximate; please verify if important.

2306 Pretty Bayou Island Drive, Panama City

Listing courtesy of Blue Bird Woliver Realty.

$270,000

3 Beds ⋅ 2 Baths ⋅ 793552 MLS

Welcome to your own private waterfront retreat! Nestled on a peaceful lot, this charming property offers the perfect blend of country living and everyday convenience. Enjoy tranquil water views from your backyard while taking advantage of the many unique features that make this home truly one of a kind. The property includes a spacious 12' x 24' storage shed/workshop, providing ample room for tools, hobbies, equipment, or additional storage. For those dreaming of a homestead lifestyle, you'll love the custom chicken coop, and the chickens convey with the sale, allowing you to enjoy fresh eggs from day one. Whether you're relaxing by the water, gardening, entertaining, or simply enjoying the peaceful surroundings, this property offers endless possibilities. The waterfront setting creates the perfect backdrop for morning coffee, evening sunsets, fishing, kayaking, or simply unwinding in nature. If you've been searching for a property that combines privacy, functionality, and outdoor living, this is the one. Don't miss your opportunity to own this unique waterfront property with exceptional extras already in place!

3919 Ereno Court, Panama City

Listing courtesy of SimpliHOM.

$735,000

3 Beds ⋅ 3 Baths ⋅ 793447 MLS

Beautiful canal-front home offering over 2,500 heated square feet with an open, split-bedroom floor plan designed for comfortable everyday living and entertaining. The spacious family room features a vaulted ceiling and wood-burning fireplace, creating a warm and inviting gathering space. The fully equipped kitchen includes a pantry, abundant cabinetry, and opens seamlessly to the main living areas. The private primary suite offers a generous bedroom and an ensuite bath with double vanities, a garden tub, separate shower, and walk-in closet. Two additional bedrooms are located on the opposite side of the home for added privacy. Step outside to enjoy Florida living at its best with a screen-enclosed in-ground pool, covered porch, and a large backyard overlooking the canal. Boaters will appreciate the vinyl seawall, covered boathouse, and direct water access. As part of the county's canal dredging project, the canal adjacent to the property was reported to provide an approximate water depth of five feet at Mean High Water (MHW), offering excellent access for many recreational boats. Approximate canal depth is based on the county's dredging information; buyers should verify suitability for their specific vessel and operating conditions. The oversized lot provides plenty of room for outdoor activities and entertaining. Additional features include a 600-square-foot attached garage, inside laundry, mature landscaping, and a desirable location in King's Point. According to the Bay County Property Appraiser, the home offers 2,567 heated square feet, was built in 1988, sits on approximately 0.48 acres, and is located in Flood Zones X and AE, with the residence itself believed to be in Flood Zone X. Buyer should verify flood zone designation and insurance requirements. A rare opportunity to own a spacious waterfront home with a pool, private boating amenities, and the lifestyle that makes Florida living so enjoyable.

116 Queens Circle, Panama City

Listing courtesy of ERA Neubauer Real Estate, Inc.

$330,000

1 Beds ⋅ 1 Baths ⋅ 792884 MLS

Bay Point Bayview Villa with sunset views. This large one bedroom overlooks Grand Lagoon, marinas, and St Andrews State Park. All floors have been updated to the LVP and match throughout. The kitchen features new stainless appliances and new white cabinets. Freshly painted with light neutral color. Bavview has a community dock and boat trailer parking to use up to 10 days at a time, no long term storage. Shared storage units provide additional space for storage and beach gear. Complex is not required to have milestone, reserve study, or comply with new condo rules aimed at larger condos. Located in the gated Bay Point subdivion with roving secuirty. Point South Marina, Jack Nicholas golf course, Bar 72, as well as Hilton resort are all contained withing the gates. Neighborhood is golf cart friendly and a short drive or boat ride to the beach.

4272 Kingfish Lane Unit 272, Panama City

Listing courtesy of Emerald Coastal Inc.

$429,000

4 Beds ⋅ 3 Baths ⋅ 792478 MLS

Welcome to 1319 Capri Drive, an end-unit waterfront townhome offering direct North Bay access, room for up to a 35' boat, NO HOA, and fully paid solar panels. Whether you're heading out for a day of fishing, cruising to Shell Island, or simply relaxing by the water, this property delivers the Florida coastal lifestyle so many are looking for. Following Hurricane Michael, the owners meticulously rebuilt this home from the studs out with the intention of making it their forever home. Quality craftsmanship and thoughtful improvements can be found throughout, including a new seawall, impact-resistant windows and doors, roof, HVAC system, electrical, water heater, exterior siding, flooring, completely renovated kitchen and bathrooms and much more. The rear deck overlooking the canal has also been rebuilt, creating the perfect spot to enjoy morning coffee and afternoon barbecues. As an end unit, the home benefits from additional privacy, abundant natural light, and only one shared wall, which was rebuilt with soundproofing insulation for enhanced comfort. A portion of the garage has been converted into a heated and cooled fourth bedroom, creating flexible space for guests, a home office, or multi-generational living. With short-term rentals allowed, the home also offers excellent potential as a vacation rental or second-home investment. Conveniently located near Tyndall Air Force Base, Lynn Haven Sports Complex, hospitals, shopping, dining and Panama City's beautiful beaches.

1319 Capri Drive, Panama City

Listing courtesy of eXp Realty, LLC.

$1,749,000

3 Beds ⋅ 3 Baths ⋅ 792012 MLS

Welcome to the coastal life! Come experience some of the best waterfront views in all of Bay Point! Situated on a premier waterfront homesite with approximately 149 feet on one of the widest sections of the canal, this beautiful property offers panoramic water views. This is the perfect setting for the ultimate coastal lifestyle, where you can keep your boat at your backdoor and be ready to go fishing and boating at a moment's notice. Enjoy the large waterfront deck and sparkling pool, where you'll spend countless hours relaxing, entertaining, and taking in the incredible canal views. This spacious home features over 3,300 square feet, 3 bedrooms, and 3 full baths all on one level for easy living. The expansive primary suite is a private waterfront retreat with a sitting area, oversized walk-in closet, and en-suite bath. Each of the two additional bedrooms offers its own private bath, providing comfort and privacy for family and guests. The open-concept floor plan is ideal for entertaining, featuring views from literally almost everywhere, tons of natural light, generous living spaces and entertainment spaces as well as a built-in bar, making this home perfect for hosting and enjoying family and friends. Located within the prestigious gated community of Bay Point, residents enjoy world-class amenities including the Jack Nicklaus Championship Golf Course, a full-service marina, on-site restaurant and bar, and 24-hour gated security. You are ideally located and convenient to St Andrew's State Park, white sandy beaches, grocery, shops and restaurants and more. This is a rare opportunity to own a home on a premier waterfront homesite in Bay Point. Call today and make this your next home!

1522 Trout Lane, Panama City

Listing courtesy of Keller Williams Success Realty.

$1,444,000

4 Beds ⋅ 4 Baths ⋅ 791832 MLS

Experience elevated coastal living at 210 Marlin Circle in Bay Point--an elegantly updated waterfront sanctuary on a quiet canal east of the Bonefish Bridge. True move-in readiness meets peace of mind in this pre-inspected, one-level residence located in Zone X, featuring a clean claim history, insurable status, and a recent vinyl seawall evaluation with no issues. The resort-style arrival features a circular paver driveway exceeding 5,000 sq. ft., automated landscape lighting, and a striking 6-foot fountain water feature surrounded by soothing beach pebbles. Inside, the Great Room rises to cathedral ceilings anchored by a functional gas-to-wood burning fireplace, flowing seamlessly into a wet bar with custom waterfall granite, a beverage fridge, and an ice maker. The efficient kitchen boasts updated cabinetry, soapstone countertops, upgraded KitchenAid appliances, a 6-burner natural-gas cooktop with pot filler, and convection microwave wall oven. Designed for ultimate versatility, the interior layout showcases four en-suite bedrooms. The primary suite features a Turkish-inspired steam shower with Delta/Ferguson dual heads, Bluetooth speakers, and mood lighting, alongside a soaking tub, dual vanities, and a private courtyard with Trex decking, a hot tub, and a dual-temperature outdoor shower. Guests or caretakers enjoy a private-entry suite with its own courtyard, frameless shower, floating vanity, and dedicated laundry zone. A third mobility-friendly front suite includes a curbless roll-in tile shower with dual fixtures, while the fourth suite offers a floating granite vanity paired with a full tiled tub and shower combo. The fenced back yard with lush Zoysia turf serves as your launchpad for deep-water adventure. Positioned on approximately 70 ft of waterfront, the private dock was upgraded in 2019, with a new seawall cap, pilings, and ladder. In addition to, 30-amp shore power, watercraft washing stations, and zero height restrictions--offering uninhibited passage to Shell Island and the Gulf for tall-masted sailboats, flybridge yachts, or tuna towers. There's even a spot for a boat lift! Multiple entertaining and relaxation areas aligned toward western-facing sunsets let you connect and unwind in total serenity with space for a swimming pool! Behind the scenes, mechanical and building infrastructure is entirely turn-key. Upgraded dual HVAC systems with replaced ductwork (2020) feature semi-annual service history and REME HALO® air purification. The 2020 natural gas installation feeds two annually serviced Navien tankless water heaters, cooktop, fireplace, primary laundry, and an outdoor stub for a future fire pit or grill. Additional features include a 2019 roof, gutters, a complete chimney overhaul (cap, chase cover, flue pipe, and collar), storm drain system, dual laundry zones including a boater's closet, smart Honeywell thermostats, Orbit B-hive irrigation, and integrated surround sound with global surveillance access. Every system is checked, completed, and move-in ready. Schedule your private showing today.

210 Marlin Circle, Panama City

Listing courtesy of Secure Real Estate.

$940,350

5 Beds ⋅ 4 Baths ⋅ 791579 MLS

Take advantage of this price reduction on this amazing CANAL HOME WITH COVERED BOAT SLIP AND POOL!! Dont let this opportunity get away! Gorgeous 4 side brick ranch with an in-law suite! This home has it all! Main house has 4 bedrooms and 2.5 baths. The Kitchen offers quartz countertops, center island for tons of storage and workspace. Love to bake? The double ovens will be a great help! The cooktop offers both electric and convection cooking. Lots of cabinet space and a pantry with slide outs. The dining room can accommodate up to 12 and the breakfast bar is perfect for additional seating. You will love the open floor plan with a very large family room with beautiful fireplace. The ceiling in the family room is tongue and groove and the ceiling height makes it perfect for that oversized holiday tree. The Master bedroom is large enough to hold a king size bed and still have a sitting area. The master bath has been upgraded to a gorgeous shower, double vanities, double closets and beautiful lighting. There are 3 additional bedrooms in the main house and a bath and a half. The in law suite offers approx. 950 sq feet with a living room, kitchenette, bedroom and full bath. There is a sunroom between the main house and the in law suite that is perfect for a reading room or even for plants! Step outside to the huge inground pool deck and covered patio. The pool is large and inviting. Don't forget to check out the covered boat slip with boat lift on the canal. There is even a tree house in the beautiful and enormous oak tree. The home is on a double lot and it fenced for privacy. There is also a separate work shop to hold all your garden and lawn equipment. The upstairs of the shop is perfect for storage. Make sure to put this home on your must see list! Agent to Agent Remarks: please give 2 hour notice to show as the homeowner works from home. There are two dogs that are in the home but are more likely to lick you than bother you. The home has keypad entry so call listing agent for code.

126 Queens Circle, Panama City

Listing courtesy of Beachy Beach Real Estate.

$429,000

4 Beds ⋅ 3 Baths ⋅ 1005118 MLS

Welcome to 1319 Capri Drive, an end-unit waterfront townhome offering direct North Bay access, room for up to a 35' boat, NO HOA, and fully paid solar panels. Whether you're heading out for a day of fishing, cruising to Shell Island, or simply relaxing by the water, this property delivers the Florida coastal lifestyle so many are looking for. Following Hurricane Michael, the owners meticulously rebuilt this home from the studs out with the intention of making it their forever home. Quality craftsmanship and thoughtful improvements can be found throughout, including a new seawall, impact-resistant windows and doors, roof, HVAC system, electrical, water heater, exterior siding, flooring, completely renovated kitchen and bathrooms and much more. The rear deck overlooking the canal has also been rebuilt, creating the perfect spot to enjoy morning coffee and afternoon barbecues. As an end unit, the home benefits from additional privacy, abundant natural light, and only one shared wall, which was rebuilt with soundproofing insulation for enhanced comfort. A portion of the garage has been converted into a heated and cooled fourth bedroom, creating flexible space for guests, a home office, or multi-generational living. With short-term rentals allowed, the home also offers excellent potential as a vacation rental or second-home investment. Conveniently located near Tyndall Air Force Base, Lynn Haven Sports Complex, hospitals, shopping, dining and Panama City's beautiful beaches.

1319 Capri Dr, Panama City

Listing courtesy of EXP Realty LLC.

$349,900

3 Beds ⋅ 3 Baths ⋅ 788703 MLS

NEW PRICE -- $349,900! Waterfront living, NO HOA, and your own private access to the water -- this is the opportunity buyers wait for. Imagine waking up, grabbing your coffee, and stepping outside to your own waterfront deck. By afternoon, you could be launching your kayak, paddleboard, jet ski, or boat and heading toward the bay, Gulf waters, or beautiful Shell Island. Then come home, settle into the hammock on your private upstairs balcony, and watch the sky light up with one of Northwest Florida's unforgettable sunsets. This 3-bedroom, 2.5-bath waterfront townhome is designed for those who want more than just a home -- they want the coastal lifestyle. Love to fish? Cast a line right from your deck for redfish, flounder, blue crab, and mullet while keeping an eye out for dolphins and other marine life passing through the canal. Inside, the open-concept first floor is welcoming and comfortable, with ceramic tile flooring, granite countertops, a touchless kitchen faucet, and a cozy fireplace that makes the living area perfect for relaxing or entertaining. Upstairs, retreat to your private balcony, enjoy the breeze from the large ceiling fans, then end the day soaking in the double Jacuzzi tub. The outdoor space is truly special, featuring three tiers of Trex decking rebuilt in 2022, plus an electric SunSetter awning that creates the perfect shaded spot for waterfront dining, entertaining, or simply watching the boats go by. Important updates include a 2024 HVAC system and 2023 water heater with auto-booster system, giving buyers added peace of mind. And one of the best parts? NO HOA. At $349,900, this is your chance to own waterfront property where every day can feel like a vacation. Bring the boat. Bring the fishing poles. Bring the kayaks. Your waterfront life is waiting at 1227 Capri Dr.

1227 Capri Drive, Panama City

Listing courtesy of Coastal Palms Real Estate.

$349,000

3 Beds ⋅ 3 Baths ⋅ 787892 MLS

Experience waterfront living at this beautifully updated 3-bedroom, 2.5-bath duplex, perfectly situated in one of the most sought-after areas in town. This stunning property has been completely transformed with a modern design throughout. Step inside to find fresh paint, a fully updated kitchen, and stylishly renovated bathrooms, offering a clean, contemporary feel from top to bottom. Every detail has been thoughtfully upgraded, making this home truly move-in ready with no work needed. Go green and save--this home comes equipped with fully paid-off solar panels, delivering sustainable living and significant energy savings without any added expense. Enjoy outdoor living with a spacious deck -perfect for entertaining or relaxing - and your own private dock with direct Gulf access. Whether you're an avid boater or simply love spending time by the water, this property offers the ideal lifestyle. Don't miss this rare opportunity to own a waterfront home that combines comfort, style, and unbeatable location!

1211 Capri Drive, Panama City

Listing courtesy of World Impact Real Estate.

$361,500

3 Beds ⋅ 3 Baths ⋅ 787453 MLS

OPEN HOUSE -- 9-19-26--10AM. TO. 1PM. -------REDUCED -- REDUCED --IMMACULATE - UPDATED --- BRING OFFERS. -- SELLER MOTIVATED. --- THIS SPACIOUS TOWNHOME OPENS TO A LARGE GREATROOM WITH AN UNBELIEVABLE WATERFRONT VIEW. BEAUTIFUL ELECTRIC FIREPLACE FOR ADDED COMFORT IN COOLER WEATHER. RECENTLY UPDATED KITCHEN HAS GRANITE COUNTERTOPS. THE LARGE ISLAND ALSO HAS SMALLER PORTABLE ISLAND FOR ADDED COUNTER SPACE AND STORAGE. CLOSET/LAUNDRY IN THE HALL AND A PANTRY OFFER EXTRA STORAGE( LAUNDRY HOOKUP IN GARAGE ALSO). A HALF BATH IS LOCATED ON THE MAIN FLOOR ALSO. TONGUE AND GROOVE CEILINGS THROUGHOUT THE HOME OFFER ADDED INTEREST WHILE A COMBO OF TILE AND BEAUTIFUL LUXURY VINYL FLOORS OFFER DURABILITY AND EASY OF CLEANING. UPSTAIRS: OVERSIZE MASTER BEDROOM THAT OVERLOOKS THE CANAL OUT BACK HAS 2 SEPARATE CLOSETS (ONE IS A WALKIN) AND A LARGE NEWLY UPDATED TILE SHOWER WITH A SEPARATE TOILET AREA. THERE IS AN UPSTAIRS BALCONY OVERLOOKING THE CANAL. TWO OTHER ROOMY BEDROOMS SHARE A HALL BATH. THE LIST GOES ON ! THE 22'X22' COVERED DECK/ PATIO OVERLOOKS THE CANAL WITH AN UPDATED SEAWALL AND 21' X 10' DECK JUST WAITING FOR YOUR BOAT. SEVERAL STREETS HAVE BEEN NEWLY PAVED WITH NEW CURBS, GUTTERS, FIRE HYDRANTS, AND WATER AND SEWER LINES. LOTS OF AMENITIES TO SEE AND ENJOY. THIS HOME HAS BEEN ALMOST TOTALLY UPDATED! THIS IS A RARE FIND AND BEING ON THE WATER REALLY LETS YOU PLAY A LITTLE. THIS IS A MUST SEE PROPERTY CALL TODAY FOR AN APPOINTMENT. !!!

1341 Capri Drive, Panama City

Listing courtesy of World Impact Real Estate.

Panama City Homes with Canal Access Waterfront Features

Newest Panama City Homes with Canal Access Waterfront Features