Bridge Harbor Homes under $400,000

Welcome Home to Bridge Harbor! Modern Coastal Comfort Minutes from Tyndall AFB Address: 251 Ryder Lane, Callaway / Panama City, FL 32404 Layout: 4 Bedrooms | 2 Bathrooms | ~1,787 Sq. Ft. The Perfect Fit for Military Families & Coastal Living Cut your commute down to just 5 minutes! Perfectly positioned right off Tyndall Parkway, this move-in-ready home in the desired Bridge Harbor community offers ultimate convenience for personnel stationed at Tyndall Air Force Base. Spend less time commuting and more time enjoying the best of the Gulf Coast. Interior & Functional Layout Spacious Open-Concept Living: Designed for effortless entertaining and day-to-day family life, featuring continuous low-maintenance flooring and plenty of natural light. Functional Kitchen: Features beautiful cabinetry, durable Granite countertops, a large center island, and a walk-in pantry for plenty of storage. Private Primary Suite: Includes a spacious bedroom, walk-in closet, dual-sink vanity, soaking tub, and a separate shower. Versatile 4-Bedroom Floorplan: Excellent layout for a growing family, dedicated home office, or guest space. Community & Location Highlights Resort-Style Amenities: Enjoy access to the community pool, ideal for unwinding on warm Florida afternoons and meeting neighbors. Near St. Andrews Bay: Close to public boat launches and waterfront access for weekend fishing, paddleboarding, and boating. Convenient Callaway Location: Minutes from local dining, grocery stores, and daily conveniences. Whether you are relocating for orders or searching for turnkey coastal living, 251 Ryder Lane combines effortless upkeep, unbeatable base proximity, and neighborhood comfort. Schedule your private tour today! Logan Etheridge Legacy Premier Agency

251 Ryder Lane, Panama City

Listing courtesy of Legacy Premier Agency.

$299,000

4 Beds ⋅ 2 Baths ⋅ 795731 MLS

Welcome to Bridge Harbor! Conveniently located just 5 miles from Tyndall AFB and only minutes from shopping, restaurants, and everything Central Panama City and Callaway have to offer! This 4 bedroom, 2 bath home is the popular Cali floor plan sits on a desirable corner lot within walking distance of the community pool. This 4 year old home is in PRISTINE condition. Step inside and you'll immediately notice how beautifully maintained this home is. You'll also find the garage decked out with painted walls and an immaculately finished EPOXY coated floor (a $5000 upgrade); perfect for a workshop or home gym! The washer, dryer, and upgraded refrigerator DO convey with the sale, while the remaining furnishings and mounted TVs are available for optional purchase. As you enter into the foyer, you'll find two guest bedrooms and a full guest bath, with an additional guest bedroom tucked away near the laundry room for a little extra separation. The open living area flows into a spacious kitchen featuring ample cabinetry, stainless steel appliances, a large pantry, and plenty of room for gathering. The primary suite offers its own private retreat with an ensuite bathroom featuring a double vanity, oversized walk-in shower, soaking tub, and HUGE walk-in closet. Between the pristine condition, corner lot (NO Flood Zone,) community pool, and prime location.. this one is worth seeing in person. Come check it out!

132 Ryder Lane, Panama City

Listing courtesy of Keller Williams Success Realty.

$339,900

4 Beds ⋅ 2 Baths ⋅ 795348 MLS

Welcome to this beautifully maintained 4 bedroom, 2-bathroom, home located in the desirable Bridge Harbor community with views of the bay from your back screened in patio. Built in 2020, this thoughtfully designed Cali floor plan offers open concept layout, split bedroom design, and comfortable one level living. Step inside to find durable LVP flooring, 8-foot ceilings, recessed lighting, and a spacious living area that flows seamlessly into the kitchen and dining spaces. The kitchen features a large island with breakfast bar seating, stainless steel appliances, a walk-in pantry with added shelving, and plenty of cabinetry for storage. The primary suite is tucked away from the additional bedrooms and features a spacious bedroom, dual vanities, soaking tub, separate walk-in shower, and walk in closet. Three additional bedrooms and a full bathroom provide plenty of space for family, guests, or a home office. The home also offers a dedicated laundry room with additional cabinetry, a covered porch, gutters, a screened in back patio overlooking the fenced backyard with peaceful views of the bay through the surrounding tree line.

548 Albert Meadow Lane, Panama City

Listing courtesy of Keller Williams Success Realty.

$330,000

4 Beds ⋅ 2 Baths ⋅ 795092 MLS

Assumable 2.25% VA loan! Welcome home to this beautiful, move-in-ready single-story residence situated on a scenic pond-front lot in Callaway, FL. Framed by durable Hardie-board siding and freshly painted throughout, this home offers 1,835 square feet of light-filled living space featuring 4 bedrooms, 2 full bathrooms, and 9-foot ceilings that enhance the open, airy feel. The heart of the home centers around a spacious kitchen equipped with rich granite countertops and brand-new stainless steel stove and refrigerator installed in July 2026. Designed with modern convenience in mind, the property comes outfitted with Z-Wave smart home technology, including smart door locks, select smart outlets, and customizable lighting control. Relax or entertain outdoors in the privacy of your fully enclosed patio overlooking serene water views. Additional highlights include an attached 2-car garage equipped with a high-power NEMA 14-50 EV charging outlet, an included washer and dryer, and a low-maintenance layout built for everyday comfort. Located in the desirable Bridge Harbor community, this home seamlessly blends smart home efficiency with classic coastal living. All conveniently located within 15 minutes of Tyndall. Seller offering $5,000 towards Buyer Closing Costs with acceptable offer!

329 Highbrook Road, Panama City

Listing courtesy of Counts Real Estate Group.

$320,000

4 Beds ⋅ 3 Baths ⋅ 794766 MLS

This floor plan offers four bedrooms, including one that can serve as a den or home office. Upon entry, you'll find quality paint, textured walls, traditional 8-foot ceilings, vinyl flooring throughout the common areas, and carpet in 2 of the bedrooms. The open, spacious kitchen features a center island, pantry, stained cabinetry, durable laminate countertops, a Kinetico water filtration system, and included appliances: dishwasher, stove, and microwave. This home includes several valuable upgrades designed for comfort, efficiency, and everyday convenience. The owned solar panel system helps reduce the electric bill to approximately $20 per month, while the reverse osmosis water filtration system and Reme Halo induct air purifier enhance water and air quality throughout the home. Outdoor features include a privacy-fenced backyard, covered and screened back patio, gutters at the front entry and rear of the home, and an above-ground swim spa. The primary suite offers a spacious bath with a separate shower, large soaking tub, and generous walk-in closet. A standard Smart Home package is also included, featuring a Color touch panel, Kwikset keyless entry, and Ring doorbell. Located in Bridge Harbor off Boat Race Road, this home offers a desirable setting close to the water with bay views and refreshing breezes. The community pool and play area are just down the street, and the neighborhood is conveniently located near shopping, dining, Tyndall Air Force Base, and a short drive to the sugar-white sand beaches, while still offering a quiet setting away from the hustle and bustle. Pictures, photographs, floor plans, elevations, features, colors, and sizes are approximate for illustration purposes only and may vary from the home as built.

368 Bridge Harbor Drive, Panama City

Listing courtesy of RE Florida Homes.

$329,500

4 Beds ⋅ 2 Baths ⋅ 794154 MLS

ASSUMABLE 3.99% VA LOAN. $6,000 IN BUYER CONCESSIONS IF NOT ASSUMING LOAN. Welcome to Bridge Harbor! This beautiful 4-bedroom, 2-bathroom home offers a spacious and functional layout with an open-concept kitchen featuring a center island, pantry, and durable granite countertops. NO CARPET THROUGHOUT THE ENTIRE HOME! The primary suite provides a comfortable retreat with a private ensuite bath, separate shower, large soaking tub, and spacious walk-in closet. The fenced-in backyard offers added privacy and space to enjoy the outdoors. Bridge Harbor residents enjoy access to the community pool, fire pit, and outdoor gathering area, perfect for relaxing and enjoying the Florida lifestyle. Conveniently located just off Boat Race Road in eastern Bay County, this home is less than 10 miles from Tyndall Air Force Base and close to shopping, dining, and everyday conveniences. Don't miss the opportunity to make this beautiful Bridge Harbor home yours!

131 Tiller Drive, Panama City

Listing courtesy of Empire Real Estate of Florida LLC.

$395,000

5 Beds ⋅ 3 Baths ⋅ 1008961 MLS

ASSUMABLE LOAN, GREAT OPPORTUNITY! Welcome to 192 Allie Way, a Craftsman-style home in the desirable Bridge Harbor community, conveniently located just minutes from Tyndall Air Force Base, shopping, dining, and everyday conveniences. Designed with flexibility in mind, this popular two-story floor plan offers 5 bedrooms and 3 full baths, along with a versatile flex space just off the entry and a spacious second-floor loft, providing plenty of room for a home office, playroom, media room, or additional living area. The bright, open-concept layout creates the perfect setting for everything from busy weekday mornings to weekend gatherings, seamlessly connecting the living, dining, and kitchen spaces. Thoughtfully designed for everyday living, the home features durable luxury vinyl plank flooring throughout the main living areas, granite countertops in the kitchen and bathrooms, comfortable carpet in the bedrooms, neutral finishes that complement any style, 8-foot ceilings, and an abundance of natural light that makes every room feel warm and inviting. Step outside to a fully fenced backyard overlooking the neighborhood pond, where western exposure creates beautiful sunset views to enjoy each evening. With plenty of room for a future pool, outdoor entertaining, or simply relaxing with your morning coffee, this backyard offers the perfect combination of space, privacy, and scenery. Whether you're searching for room to grow, dedicated spaces for work and play, or simply a well-designed home in an ideal location, 192 Allie Way is ready to welcome its next owners.

192 Allie Way, Panama City

Listing courtesy of Scenic Sotheby's International Realty.

$400,000

5 Beds ⋅ 3 Baths ⋅ 793370 MLS

ASSUMABLE LOAN, GREAT OPPORTUNITY! Welcome to 192 Allie Way, a Craftsman-style home in the desirable Bridge Harbor community, conveniently located just minutes from Tyndall Air Force Base, shopping, dining, and everyday conveniences. Designed with flexibility in mind, this popular two-story floor plan offers 5 bedrooms and 3 full baths, along with a versatile flex space just off the entry and a spacious second-floor loft, providing plenty of room for a home office, playroom, media room, or additional living area. The bright, open-concept layout creates the perfect setting for everything from busy weekday mornings to weekend gatherings, seamlessly connecting the living, dining, and kitchen spaces. Thoughtfully designed for everyday living, the home features durable luxury vinyl plank flooring throughout the main living areas, granite countertops in the kitchen and bathrooms, comfortable carpet in the bedrooms, neutral finishes that complement any style, 8-foot ceilings, and an abundance of natural light that makes every room feel warm and inviting. Step outside to a fully fenced backyard overlooking the neighborhood pond, where western exposure creates beautiful sunset views to enjoy each evening. With plenty of room for a future pool, outdoor entertaining, or simply relaxing with your morning coffee, this backyard offers the perfect combination of space, privacy, and scenery. Whether you're searching for room to grow, dedicated spaces for work and play, or simply a well-designed home in an ideal location, 192 Allie Way is ready to welcome its next owners.

192 Allie Way, Panama City

Listing courtesy of Scenic Sotheby's International Realty.

$305,000

4 Beds ⋅ 3 Baths ⋅ 793231 MLS

Welcome to 117 Red Bay Road, a beautifully maintained 4-bedroom, 2.5-bath home offering 2,388 square feet of comfortable living space with peaceful lake views. Inside, you'll find a bright, open floor plan designed for both everyday living and entertaining. The spacious kitchen features stainless steel appliances, a large center island, abundant cabinet space, and a walk-in pantry. The primary suite offers a relaxing retreat with dual vanities, a soaking tub, and a separate walk-in shower. Three additional bedrooms provide plenty of flexibility for guests, a home office, or hobbies. Step outside to enjoy the tranquil lake views from your backyard, perfect for morning coffee or unwinding at the end of the day. Conveniently located near shopping, dining, schools, and just a short drive to Tyndall Air Force Base, this home combines comfort, convenience, and a beautiful setting. All measurements and information are deemed reliable but should be verified by the buyer if important.

117 Red Bay Road, Panama City

Listing courtesy of Think Real Estate.

$332,500

3 Beds ⋅ 3 Baths ⋅ 791953 MLS

Welcome to Bridge Harbor! 2.99% Assumable VA loan! Built in 2021, this Monroe floor plan features a 3-bedroom, 2.5-bath with approximately 1,800+ square feet of thoughtfully designed living space and is conveniently located directly across the street from the bay, where you will find public beach access. The open-concept floor plan features abundant natural light, 9 foot ceilings, luxury vinyl plank flooring throughout the main living areas, a spacious living room, and a well-appointed kitchen with granite countertops, stainless steel appliances, tile backsplash, ample cabinet space, pantry, breakfast bar, and coffee/wine bar. A convenient half bath is located on the first floor. All bedrooms are located upstairs, including the spacious primary suite featuring a private balcony with bay views. The ensuite bath offers a double vanity, soaking tub, and separate shower. Two additional bedrooms and a full guest bath provide flexibility for family, guests, a home office, or workout space. Outdoor features include a covered rear patio, fenced backyard, a playset, a garden, a separate irrigation meter, irrigation & drip system, and quite a few mature well planned fruit trees (Dorset Gooden & Anna Apple, Bearss Lime, Hamlin Orange, Gulf Beauty Plum, Black Berry and Blueberry bushes). Residents of Bridge Harbor enjoy access to a resort-style community pool with ample sidewalks and green spaces throughout the neighborhood. Conveniently located approximately 6.2 miles from Tyndall Air Force Base, 16 miles from NSA Panama City, and 24 miles from Panama City Beach. Qualified buyers may have the opportunity to assume the existing VA loan at an interest rate of 2.99%.

125 Carriage Road, Panama City

Listing courtesy of Think Real Estate.

$334,900

4 Beds ⋅ 2 Baths ⋅ 790851 MLS

***Seller offering up to $5,000 toward buyer closing costs or interest rate buy-down with acceptable offer.*** Built in 2022 | Move-In Ready 4 Bedroom Home | Approximately 10 Minutes to Tyndall Air Force Base Welcome to 283 Ryder Lane, a thoughtfully maintained 4 bedroom, 2 bathroom home offering modern comfort and functional living in a convenient Panama City location. Built in 2022, this popular Cali floor plan features an open-concept kitchen, dining, and living area designed for everyday living and entertaining. The split-bedroom layout provides added privacy, while the spacious primary suite includes an oversized walk-in closet and ensuite bath with double vanities, soaking tub, and separate shower. The fully fenced backyard offers flexible outdoor space for relaxing, gardening, and entertaining. Additional highlights include neutral finishes, great curb appeal, and convenient access to shopping, dining, everyday essentials, and convenient to Tyndall Air Force Base. Bridge Harbor residents enjoy beautifully maintained grounds with sidewalks throughout the community, scenic ponds, a community pool, a pavilion with an outdoor grilling area, a charming park centered around a historic oak tree, and convenient access to the bay.

283 Ryder Lane, Panama City

Listing courtesy of Lowest Fee Realty LLC.

$375,000

4 Beds ⋅ 3 Baths ⋅ 790678 MLS

Welcome to this beautifully maintained 4-bedroom, 2-bath home located in the highly desirable Bridge Harbor community! Perfectly situated adjacent to a peaceful pond, this property offers the ideal blend of comfort, convenience, and outdoor living. Step outside to enjoy the newly fenced backyard featuring a built-in fire pit, perfect for relaxing evenings and entertaining guests. The new irrigation system helps keep the landscaping lush and beautiful year-round, while the children's playground conveys with the sale -- making this backyard truly move-in ready for family fun. Inside, you'll find a spacious and functional layout with plenty of room for family living, guests, or a home office setup. Located just minutes from Tyndall Air Force Base, this home also offers convenient access to shopping, dining, schools, and everyday amenities. Residents of Bridge Harbor enjoy access to a wonderful community pool and neighborhood amenities that make this area so popular. Don't miss the opportunity to own this charming home with water views, fantastic outdoor features, and an unbeatable location!

182 Osprey Lake Road, Panama City

Listing courtesy of CENTURY 21 Commander Realty.

Bridge Harbor Homes under $400,000

Newest Bridge Harbor Homes under $400,000