Panama City Homes with Shoreline - Sand Waterfront Features

Welcome to Panama City, Florida, a hidden gem nestled along the shimmering shores of the Gulf of Mexico. With its stunning beaches, vibrant culture, and a warm, welcoming community, Panama City offers a unique blend of coastal charm and modern living. As the county seat of Bay County, this picturesque city is known for its rich history, thriving local businesses, and an abundance of recreational activities, making it the perfect destination for families, retirees, and anyone seeking a relaxed coastal lifestyle.

One of the most alluring features of Panama City is its breathtaking waterfront properties. Homes with shoreline and sand waterfront features offer unparalleled access to the pristine beaches and crystal-clear waters that the area is famous for. Imagine waking up to the soothing sounds of the waves and enjoying your morning coffee with a view of the sun rising over the horizon. These properties not only provide a serene escape but also serve as an ideal setting for entertaining friends and family or simply unwinding after a long day.

In addition to the natural beauty, Panama City boasts a vibrant community with a plethora of dining, shopping, and entertainment options. From fresh seafood restaurants to charming boutiques, there’s something for everyone to enjoy. Whether you’re looking to invest in a vacation home or a permanent residence, Panama City’s waterfront real estate offers an exceptional lifestyle filled with sun, sand, and endless opportunities for adventure. Discover your dream home in this coastal paradise today!

Newest Panama City Homes with Shoreline - Sand Waterfront Features

$929,000

3 Beds ⋅ 4 Baths ⋅ 793004 MLS

Spectacular Waterfront Luxury in Historic St. Andrews! Rarely available and highly coveted, this expansive corner-unit residence at Harbour Village delivers over 2,300 sq. ft. of sophisticated interior living space, perfectly paired with a massive 300+ sq. ft. covered, wrap-around balcony showcasing breathtaking, unobstructed Western and Southerly views of St. Andrew Bay.Step inside to experience true ''Old Florida Charm'' blended seamlessly with modern elegance. The soaring 10-foot ceilings and refined crown molding create an airy, grand ambiance throughout the open-concept floor plan, where floor-to-ceiling glass ensures the sparkling bay views remain your permanent backdrop. The heart of the home is a fully updated chef's kitchen, meticulously redesigned with new custom cabinetry, elegant quartz countertops, seamless under-counter lighting, and a premium suite of stainless-steel appliances. Perfect for entertaining, the kitchen flows effortlessly into the spacious living and dining areas, all oriented to capture the daily boat parade and unforgettable Emerald Coast sunsets.Wake up to paradise in the private primary retreat, featuring two entire walls of windows that flood the room with natural light and frame dramatic, panoramic water views. This serene sanctuary offers direct, private access to the wrap-around balcony, a spacious en-suite bathroom with a large walk-in shower and double vanity, and a well-appointed walk-in closet complete with custom built-in shelving and loads of storage space. Harbour Village offers an unmatched luxury lifestyle with resort-style amenities. Enjoy the convenience of a secure parking garage with elevator access directly up to your floor. The resort grounds feature a gated private marina with boat slips, a heated bay-front pool and sun deck, a convenient gym, a welcoming community room, and a unique, beautifully landscaped 1-acre rooftop park featuring a grilling gazebo and outdoor fireplace. Nestled in a golf-cart-friendly district between Oaks by the Bay Park and the active St. Andrews Marina, you are just steps from the vibrant boutiques, live music, and fun dining along Beck Avenue. 24-hour gated security completes this waterfront paradise. Schedule your private viewing today!

3001 W 10th Street Unit 610, Panama City

Listing courtesy of Anchor Realty Florida.

$240,000

2 Beds ⋅ 2 Baths ⋅ 792976 MLS

Welcome to Bay Club at St. Andrews, a low-density waterfront condominium community known for its peaceful atmosphere, coastal charm, and low turnover directly on St. Andrews Bay. The bright, inviting interior open living space extends to a private balcony overlooking the bay, beautifully nestled among the palm trees. It is the perfect place to enjoy morning coffee, coastal breezes, and unforgettable sunsets. Residents enjoy a bayfront pool, elevator, dock, swing, picnic area, garden space, and inviting outdoor areas for fishing or relaxing by the water. Located between The Cove and downtown, Bay Club is just minutes from historic downtown Panama City, St. Andrews, waterfront parks, local dining, and shopping. Whether you are seeking a full-time residence or peaceful coastal retreat, this waterfront condo offers an exceptional blend of charm, convenience, and lifestyle.

316 Cherry Street Unit 41, Panama City

Listing courtesy of Beachy Beach Real Estate.

$399,000

2 Beds ⋅ 2 Baths ⋅ 792920 MLS

2BR/2BA Gulf-front Summerhouse condo on Thomas Dr. in Panama City Beach. 1,075 SF with Gulf-view balcony, fully furnished and move-in ready. Located on the ninth floor of Summerhouse, a Gulf-front condominium community on Thomas Drive, this residence features updated interior finishes, direct beach access, resort-style amenities, and the added confidence of the building's 2024 Milestone Inspection and Structural Integrity Reserve Study (SIRS) already completed. Whether you're looking for a primary residence, vacation home, or investment property where short-term rentals are permitted, this condominium offers the flexibility today's buyers are seeking. Designed to maximize its Gulf-front setting, the open living and dining areas flow seamlessly to a private balcony where you can enjoy sweeping beach and Gulf views. The kitchen features updated stainless steel appliances, granite countertops, a breakfast bar, and ample cabinet space. Matching granite countertops in both bathrooms and luxury vinyl plank flooring throughout the entire unit create a clean, cohesive, contemporary look that is also easy to maintain. The split-bedroom floor plan enhances privacy, while the spacious primary suite offers Gulf views and direct balcony access. This condominium is offered fully furnished and is ready for immediate enjoyment. According to the seller, the unit has not been used as a rental during their ownership, reflecting the care it has received. Monthly HOA dues of $1,212.15 include cable TV, high-speed internet, water, sewer, trash, pest control, insurance, legal services, and professional management, helping simplify ownership. Situated on approximately 400 feet of Gulf frontage, Summerhouse offers an exceptional collection of resort-style amenities, including two swimming pools, one heated for year-round enjoyment, a beachfront hot tub, kiddie pool, gazebo, barbecue grills, a game room, pickleball, tennis, racquetball, shuffleboard courts, direct beach access, elevators, an on-site convenience store, and professional on-site management. Located along the desirable Thomas Drive corridor, this Gulf-front community is just minutes from St. Andrews State Park, marinas, charter fishing, diving excursions, waterfront restaurants, grocery stores, shopping, and many of Panama City Beach's most popular attractions. Spend your mornings watching dolphins offshore, your afternoons enjoying the sugar-white sand, and your evenings taking in spectacular sunsets from your private Gulf-front balcony. If you're searching for a Gulf-front condo in Panama City Beach with direct beach access, updated stainless steel appliances, granite countertops, luxury vinyl plank flooring throughout, resort-style amenities, a completed 2024 Milestone Inspection and Structural Integrity Reserve Study (SIRS), and short-term rentals permitted, this Summerhouse residence presents an outstanding opportunity to own a beautifully maintained beachfront property on Florida's Emerald Coast.

6505 Thomas Drive Unit 804, Panama City

Listing courtesy of Counts Real Estate Group Inc.

$625,000

3 Beds ⋅ 3 Baths ⋅ 792803 MLS

This extraordinary waterfront end unit condo, nestled in the exclusive gated Waterhaven community, right on St. Andrew's Bay, is a true haven! Meticulously maintained, this spacious one level floor plan, with its rich hardwood flooring throughout the main areas, stunning granite countertops, exquisite cabinetry, a gas range, and a kitchen island perfect for entertaining large groups, is a dream come true! Let's not forget that breathtaking view, which can be enjoyed from the kitchen, living and dining areas, along with the Master Bedroom! Now, can you envision yourself sitting on your expansive deck, sipping your morning coffee, watching the sun rise over the water, and being greeted by dolphins? Or strolling along the community dock and being whisked away by boat for a five-minute ride to Shell Island? Better yet, having the luxury of choosing between lounging by the Bay front pool or the Bay front beach? There's also a launch point for kayaks and stand-up paddle boards! This incredible community offers a state-of-the-art fitness center and an Owner's Club for your enjoyment. And the best part? This location is unbeatable! All your favorite local restaurants are just a five-minute drive away, and the pristine white sandy beach is only seven minutes away! When it comes to serene living, this community has it all! When it comes to water activities, it's a paradise! When it comes to being close to everything yet feeling like you're in your own world, it's the ultimate retreat! Whether a full time residence or a vacation home, come and experience the rare combination of luxury, tranquility and waterfront beauty-all in one exceptional residence! Welcome home!

4113 Cobalt Circle Unit PO73, Panama City

Listing courtesy of Carillon Realty Inc.

$5,200,000

7 Beds ⋅ 7 Baths ⋅ 792763 MLS

Welcome to A Sight to Sea, an exceptional 7-bedroom, 6.5-bath coastal retreat offering of beautifully designed living space. The home features expansive open-concept living areas, a well-appointed kitchen, private elevator, generous bedrooms, multiple gathering spaces, and abundant room for entertaining. Outdoors, enjoy a private swimming pool, hot tub, and inviting areas for relaxing in the Florida sunshine. Conveniently located near the sugar-white beaches of Panama City Beach, dining, shopping, parks, and entertainment. Currently operated as an established vacation rental, this impressive property is equally suited as a primary residence, second home, or investment opportunity. Available furnished or unfurnished, subject to the final purchase agreement.

9708 Beach Boulevard, Panama City

Listing courtesy of ListWithFreedom.com Inc..

$300,000

2 Beds ⋅ 2 Baths ⋅ 792568 MLS

Waterfront living meets effortless boating at Landmark Condominiums! This beautifully maintained 2-bedroom, 2-bath condo includes Deeded Boat Slip #11 with a remote-controlled boat lift, making it a rare opportunity for boaters and waterfront enthusiasts. Enjoy beautiful views of St. Andrews Bay from your private balcony and direct access to the community's sandy beach. The spacious, move-in-ready interior features updated flooring and interior doors, plus an exterior storage unit for your beach and boating gear. Landmark is a well-maintained two-story waterfront community offering exceptional amenities, including a private marina, two swimming pools, fitness center, waterfront clubhouse with full kitchen, and a covered outdoor entertainment area with gas grills and TV. HOA dues include water, sewer, cable, internet, pest control, common area maintenance, building maintenance, and exterior insurance. Boat Slip #11 accommodates an approximately 25-foot boat with a 10-foot beam and features electrical service and excellent rental potential. Enjoy quick access by water to Panama City Marina, St. Andrews Marina, St. Andrews Pass, the Gulf of Mexico, and Shell Island. Ideally located between Historic St. Andrews and Downtown Panama City, this property is perfect as a primary residence, vacation home, or investment opportunity. Schedule your private showing today!

2100 W Beach Drive Unit J201, Panama City

Listing courtesy of eXp Realty LLC.

$684,000

2 Beds ⋅ 2 Baths ⋅ 792508 MLS

Coral Reef is a highly rated Gulf front complex where you KNOW you are in the right place the moment you arrive. It is in a fantastic location on Thomas Drive, close to St Andrews State Park and several area marinas. Some of the best restaurants and grocery stores on the beach are within a 5-minute drive from your condo. You're lucky that a 2nd-floor unit with a fabulous view is now available in the 82 unit, 14-story building. The Master Bedroom is beachfront in this popular and roomy 2 Bedroom-2 Bath 1427 square foot ''split'' plan with 9 foot ceilings. With many upgrades, you will have access to your large private balcony, two pools, a lounge, a sunning area, a gazebo, a grilling area, and a gym. The sugar sand and emerald water is there for a wonderful backdrop before the orange sunsets appear. Don't let too many moons go by before you secure a wonderful investment for your future! Being on the coast is a thrill, but owning at Coral Reef is EUPHORIA! Grab the opportunity while it exists! Inventory here is hard to find.

6609 Thomas Drive Unit 205, Panama City

Listing courtesy of ERA Neubauer Real Estate Inc.

$525,000

2 Beds ⋅ 2 Baths ⋅ 792392 MLS

Imagine waking up to the sound of waves from the beautiful gulf or sipping coffee while watching the waves crash! This Beautifully furnished unit is at the desirable Moonspinner condominium. New flooring was installed in 2024, New A/C in 2025 anda new dryer along with an icemaker, and all new bedroom suits, toilets and a couch in 2026. Moonspinner is conveniently located next to St. Andrews State Park and great local restaurants. You don't want to miss this! Call today for your private tour before its gone!

4425 Thomas Drive Unit 702, Panama City

Listing courtesy of Counts Real Estate Group Inc.

$375,000

3 Beds ⋅ 3 Baths ⋅ 792376 MLS

Welcome to Waterhaven, where luxury meets low maintenance living. Simply bring your belongings and enjoy the lifestyle while the condominium association takes care of the rest. Even better, this is currently the lowest priced per square foot unit in Waterhaven. Designed for both entertaining and everyday living, the kitchen opens to a spacious family room filled with natural light. Elegant columns add character, while the chef's kitchen features Viking appliances, a Sub Zero refrigerator, granite countertops, a six burner natural gas cooktop, a wine refrigerator, and a large island with seating for casual dining. Hardwood floors, new carpet, and a freshly painted deck complete the home's recent updates. The spacious primary suite is a true retreat, featuring tray ceilings, private access to the oversized balcony, and a luxurious en suite bathroom with dual vanities, a Jacuzzi soaking tub, a tiled walk in shower with a glass enclosure, and a custom walk in closet. The two additional bedrooms are connected by a Jack and Jill bathroom, while a separate guest bathroom provides added convenience for visitors. One of the most unique features of this home is the upstairs flex space, perfect for a home office, media room, guest space, workout area or additional sleeping area. For added convenience, the unit includes both an exterior elevator and a beautiful interior staircase. Parking is available at both the front and rear of the home. Waterhaven offers gated resort style amenities surrounded by beautifully maintained, mature landscaping and decorative paver sidewalks. Residents enjoy a heated pool, marina, private dock, beach loungers, boat ramp, grilling area, and easy access to fishing, boating, sailing, kayaking, paddleboarding, swimming, and snorkeling. A storage yard located across the street is available for recreational vehicles, boats, and trailers, subject to availability. If you've been searching for luxury, convenience, and an exceptional waterfront lifestyle, this Waterhaven residence is one you won't want to miss. Schedule your private showing today. Buyer to verify all information that is deemed important.

2603 Mystic Lane Unit PO46, Panama City

Listing courtesy of ERA Neubauer Real Estate, Inc.

$4,500,000

792242 MLS

Pelican Pass at Massalina Bayou presents a rare opportunity to acquire an entitled waterfront development site in the heart of Panama City's waterfront district. The property consists of approximately 3.247 acres with 650 linear feet direct frontage on Massalina Bayou. Asking price of $4,500,000. The property benefits from a recorded and assignable Development Agreement providing vested rights for residential and marina development. Multiple development paths are supported, including attached residential/townhomes, detached single-family residential, multifamily residential and marina-oriented waterfront development. Zoned Mixed-Use 3 (MU-3) within the City of Panama City. The sale includes Bay County Parcel ID # 19528-000-000. ALTA/topographic survey, development agreement, existing conditions, townhome concept plans, draft plat, marina layout, single-family lot concept, construction/utility exhibits, seawall proposal and marina proposal. This reduces uncertainty and allows a buyer to immediately evaluate the project as a partially assembled waterfront development opportunity, not raw land.

305 E Beach Drive, Panama City

Listing courtesy of Counts Real Estate Group Inc.

$4,500,000

792107 MLS

305 E Beach Drive, Panama City

Listing courtesy of Counts Real Estate Group Inc.

$2,385,000

3 Beds ⋅ 2 Baths ⋅ 792023 MLS

Beachfront Gem on Gulf Drive -- Tastefully Remodeled with 50 Feet of Pristine Gulf Frontage Wake up to endless turquoise water and sugar-white sand from this beautifully remodeled 3-bedroom, 2-bath beachfront retreat on one of Panama City Beach's most coveted stretches of shoreline. With 50 feet of private beach frontage, this home offers unobstructed Gulf views from nearly every room and a front-row seat to legendary PCB sunsets. The recent remodel strikes a rare balance: premium materials and modern finishes throughout, without losing the relaxed, salt-air charm that makes a classic Panama City Beach cottage feel like home. Inside, you'll find an open, light-filled layout with updated kitchen and baths, high-end fixtures, and thoughtful design touches that elevate the space while preserving its laid-back coastal character. Large windows and beach-facing living areas blur the line between indoors and out, making the most of that priceless water view. Step outside and you're just steps from the surf, with plenty of room to relax, entertain, or simply soak in the Gulf breeze. And the location can't be beat -- you're just minutes from Pier Park's shopping, dining, and entertainment, the rides and arcade games at Coconut Creek Family Fun Park, world-class fishing charters out of Capt. Anderson's Marina, and the lively restaurant and nightlife scene along Front Beach Road. Whether you're looking for a full-time residence, a vacation getaway, or a high-performing rental property, this home delivers the best of Panama City Beach living. Three bedrooms, two baths, 50 feet of private beach, and a remodel done right -- this is beachfront living the way it's meant to be.

6621 Gulf Drive, Panama City

Listing courtesy of CENTURY 21 AllPoints Realty.

Start Your Search

Copyright© 2016 by the Multiple Listing Service of the Pensacola Association of REALTORS® This information is believed to be accurate but is not guaranteed. Subject to verification by all parties. This data is copyrighted and may not be transmitted, retransmitted, copied, framed, repurposed, or altered in any way for any other site, individual and/or purpose without the express written permission of the Multiple Listing Service of the Pensacola Association of REALTORS®. Florida recognizes single and transaction agency relationships. Information Deemed Reliable But Not Guaranteed. Any use of search facilities of data on this site, other than by a consumer looking to purchase real estate, is prohibited.

Vendor Member Number : 28166