El Centro Beach Real Estate

Welcome to El Centro Beach, a hidden gem nestled in the heart of Panama City Beach, Florida. This vibrant subdivision offers an idyllic coastal lifestyle, where sun-kissed shores meet charming community vibes. Whether you’re seeking a permanent residence or a vacation getaway, El Centro Beach has something for everyone.

Imagine waking up to the sound of gentle waves lapping against the shore and the salty breeze wafting through your window. El Centro Beach boasts easy access to some of the most pristine beaches in the area, allowing residents to enjoy sunbathing, swimming, and beachcombing just steps from their front doors. With its sugar-white sands and crystal-clear waters, this beautiful coastline is perfect for family outings, romantic strolls, or simply soaking in the sun.

The community itself is characterized by a friendly atmosphere, where neighbors become friends and everyone shares a love for the beach lifestyle. El Centro Beach features a mix of charming beach cottages and modern homes, catering to diverse tastes and budgets. The area is also conveniently located near local shops, restaurants, and recreational activities, ensuring that residents have everything they need right at their fingertips.

Outdoor enthusiasts will appreciate the nearby parks and nature trails, perfect for hiking, biking, or picnicking. Plus, with Panama City Beach's lively entertainment scene, there’s always something happening, from seasonal festivals to live music events.

Come discover the allure of El Centro Beach, where coastal living meets community charm, and make it your new home in paradise!

Newest Listings in El Centro Beach

$429,000

3 Beds ⋅ 2 Baths ⋅ 793202 MLS

Nestled in a quiet neighborhood, this beautifully maintained home offers the perfect combination of privacy, comfort, and convenience. With no neighbors directly across the front or behind the property, you'll enjoy a peaceful setting that's hard to find. The home's location near the local police station provides added peace of mind. Inside, you'll find a desirable split-bedroom floor plan designed for both privacy and functionality. Luxury vinyl plank flooring flows throughout the home, offering durability and a modern, cohesive look with no carpet to maintain. Step outside to the spacious covered back porch, the perfect place to relax or entertain family and friends. Whether you're hosting backyard cookouts, birthday parties, or game-day gatherings, this outdoor space is ready for every occasion. Located just minutes from Pier Park, you'll have quick access to shopping, dining, entertainment, and the beautiful white-sand beaches that make Panama City Beach such a sought-after destination. If you've been searching for a home that offers privacy, a functional layout, modern finishes, and an unbeatable location, this one checks all the boxes!

17179 Firenzo Avenue, Panama City Beach

Listing courtesy of Keller Williams Success Realty.

$589,900

3 Beds ⋅ 3 Baths ⋅ 792145 MLS

Dream Lakefront Living in Panama City Beach - New Construction with up to $10,000 Seller Closing Cost Assistance or Rate Buy-Down! Step into your coastal dream at this exquisite brand-new two-story home at 229 Lullwater Drive. Offering 1,817 sq ft of sophisticated living space, this gem boasts 3 generous bedrooms, 2.5 elegant baths, and a main-level primary suite that blends comfort with style. Quality details include hurricane-impact windows & doors, spray-foam roof deck insulation, Taexx pest control, reclaimed-water irrigation, gutters, wrap-around fencing, and an oversized 1-car garage. Benefit from NO HOA, no flood zone, and an unbeatable location -- walking distance to the beach and minutes from Pier Park and Frank Brown Park. Includes 1-year builder warranty and transferable termite bond. Perfect as a primary residence, second home, or long-term investment. This fresh listing is move-in ready and waiting for you. Don't wait -- schedule your private tour today and claim your slice of paradise!

229 Lullwater Drive, Panama City Beach

Listing courtesy of Keller Williams Success Realty.

$589,900

3 Beds ⋅ 3 Baths ⋅ 792142 MLS

Waterfront Luxury on Lullwater Lake - Brand New Home with up to $10,000 in Seller Closing Cost Assistance or Rate Buy-Down! Imagine waking up to serene lakefront living in this stunning, brand-new two-story home at 227 Lullwater Drive in beautiful Panama City Beach. This 1,817 sq ft masterpiece features 3 spacious bedrooms, 2.5 designer baths, and a luxurious main-level primary suite. Built with quality features including hurricane-impact windows & doors, spray-foam roof deck insulation, Taexx in-wall pest control, reclaimed-water irrigation, gutters, wrap-around fencing, and an oversized 1-car garage. Enjoy true freedom with NO HOA fees and no flood zone. You're within walking distance to the beach, minutes from Pier Park, and close to Frank Brown Park's recreation facilities. This fresh listing comes with a 1-year builder warranty and transferable termite bond. Perfect as a primary residence, second home, or long-term investment. Schedule your private tour today and claim your slice of paradise!

227 Lullwater Drive, Panama City Beach

Listing courtesy of Keller Williams Success Realty.

$437,000

3 Beds ⋅ 2 Baths ⋅ 791784 MLS

What's Special: 2 self-contained units Ample parking Mature shade trees Covered patio Walking distance to the beach Welcome to 132 San Vincente! This cottage is perfectly positioned within walking distance of the iconic white sandy beaches and several restaurants, and just 1.5 miles from Pier Park with all of its entertainment options. This property is located in a short-term rental and golf cart-friendly neighborhood. There are two self-contained units. Both Unit A and Unit B are 1-bedroom, 1-bath units with tile flooring throughout. Each unit features a pantry, ample closet space, a breakfast bar, dishwasher, washer/dryer, and plenty of shelving. Unit B also features a large carpeted, closet-lined addition with double-paned windows and a brand-new AC/heat unit. This space could be used as a bedroom, hobby room, or playroom. There is a covered patio tucked away for privacy from the street, featuring two porch swings. The property also includes a small, fully fenced backyard. Nearby Attractions: Frank Brown Park is just 2 minutes away and offers: Public swimming pool Dog park Skate park Sports facilities Playground Home of Gulf Coast Jam Conservation Park is 5 minutes away and boasts: 24 miles of walking and biking trails 2,900 acres of natural beauty Pine forests, wetlands, and cypress domes This home features a metal roof. Recent upgrades within the last 5 years include: New HVAC system in Unit B New water heater in Unit A New refrigerator and dishwasher in Unit A Expand your investment portfolio or enjoy a beachside getaway that could help pay for itself. Live in one unit and rent the other, or maximize income potential with short-term rentals in this highly desirable beach community.

132 San Vincente Street, Panama City Beach

Listing courtesy of Anchor Realty Florida.

$685,000

4 Beds ⋅ 3 Baths ⋅ 791513 MLS

Take a look at this stunning coastal home in the heart of Panama City Beach! This home has been thoughtfully enhanced with significant improvements that elevate both style and livability. With close proximity to the white sandy beaches and Beach Access 64, this centrally located property offers easy access to everything the beach has to offer. Pier Park is just minutes away making dining, shopping, and entertainment convenient and close by. This home is situated in a neighborhood with no HOA and no flood zone. This location does not allow short-term rentals, so the area is ideal for full-time residents who value a true sense of community and consistency year-round. Built in 2019 and meticulously maintained, the home has been further upgraded and cared for, making it truly move-in ready. Inside, you'll find 4 bedrooms, 3 bathrooms, and approximately 2,250 square feet of well-designed living space. The open floor plan feels bright and welcoming with plenty of natural light throughout. The kitchen serves as a true gathering place, offering granite countertops, a large island with additional seating and storage, built in wine cooler, custom cabinetry, and plenty of room for everyday meals or get-togethers. The master bedroom is located downstairs with ensuite bathroom and there is an additional bedroom and full bath. Upstairs, a spacious family or bonus room, with 2 bedrooms and full bath provide flexible living space-perfect for movie nights, a home office, or a quiet retreat separate from the main living area. With generous room sizes and a well thought out layout this home offers plenty of space to grow and settle in. The outdoor living area is an entertainment delight. A large, screened lanai (rated for 140mph wind) overlooks a beautiful pool and expansive paver deck, creating an inviting space for entertaining friends, hosting family gatherings, or simply enjoying peaceful evenings outdoors. The covered area by the pool hosts outdoor fans and a mounted TV. Pool lighting adds to the atmosphere, and a separate area outside the lanai is ideal for a firepit and relaxed conversation. Additional features include a large storage building, an outdoor shower, extra paver parking, Google Nest exterior security cameras, a programmable thermostat, and an irrigation system using reclaimed water. With extensive indoor and outdoor living space, thoughtful upgrades, and an unbeatable location, this home offers exceptional value for those ready to put down roots and enjoy coastal living at its finest.

207 San Gabriel Street, Panama City Beach

Listing courtesy of CENTURY 21 Commander Realty.

$799,000

3 Beds ⋅ 2 Baths ⋅ 790744 MLS

Looking for a unicorn? This is a once in a lifetime property! Located just a 2-minute walk to the World's Most Beautiful Beaches and a short 10 min stroll to Pier Park! This single story 3-bedroom 2 bath house offers an open floor plan and is currently a successful short-term rental that has room for the whole family! This property is perfect for entertaining as it is set up to sleep 10 guest and with two driveways there is plenty of parking for 6-8 vehicles, trailers or an RV! Wanna get away from it all, step out back to your own slice of paradise! You will enjoy the private fenced in backyard where you can soak up some sun in the large saltwater swimming pool (with optional heating.) There is also a storage shed to hold all of your pool and beach toys along with custom hurricane shutters! If you are looking for an investment property, this one has great guest reviews and projections of over 85k. This West end location is hard beat with a 2 min. drive to Frank Brown Park, 1/2 mile to Pier Park and a short 15 min. drive to the airport or to 30A. Your guest will enjoy seeing the Pier Park Skywheel and seasonal firework views from the front yard! They will also love the close proximity to attractions like Dolly's Pirate Voyage, Top Golf and the Simulated Surf Park coming soon and all within a 5-minute drive! Another rare find that this property offers is the large lot zoned commercially and across the street from Lake Lullwater and the sugary white sands! The sellers have recently replaced the roof, added rock landscaping for easy upkeep and the 2nd concrete driveway! This property is turn key and just in time for vacation season with several reservations on the books for 2026! Don't let this one slip away, call me or your favorite agent today!

278 Lullwater Drive, Panama City

Listing courtesy of Dalton Wade Inc.

$399,000

2 Beds ⋅ 2 Baths ⋅ 789165 MLS

Located in the highly desirable El Centro Beach area of Panama City Beach, 204 San Vincente Street offers the perfect blend of classic beach charm and walkable convenience. This 2-bedroom, 1-bath home sits on a spacious lot just a short stroll to the sugar-white sands and emerald waters of the Gulf. Inside, the home features a functional layout with an open living and dining area, abundant natural light, and comfortable bedroom spaces. Central heating and air provide year-round comfort, and the roof was replaced in 2011 for added peace of mind. Step outside to enjoy a fenced backyard, offering privacy and space for entertaining, pets, or future enhancements. A workshop/storage shed adds extra functionality, and the generous lot provides room for parking, outdoor living, or expansion potential. Location is where this property truly shines. Just minutes from Pier Park, you'll enjoy easy access to shopping, dining, entertainment, and attractions including Russell-Fields Pier, SkyWheel PCB, The Grand Theater, and numerous local restaurants. Whether you're looking for a primary residence, second home, or investment opportunity, this property places you in the heart of Panama City Beach's vibrant coastal lifestyle.

204 San Vincente Street, Panama City Beach

Listing courtesy of Keller Williams Realty FWB.

$1,525,000

10 Beds ⋅ 8 Baths ⋅ 1000753 MLS

Positioned less than 1 mile from the nearest public beach access and within 2 miles of Pier Park, this exceptional 2024-built luxury duplex presents a rare opportunity to own a fully furnished, turnkey investment property in one of Panama City Beach's most desirable vacation destinations. Designed for short-term rental success, the property features a resort-style heated saltwater pool, two spacious units, and accommodations ideal for large groups and multi-family vacations. Each side offers 5 bedrooms, 3.5 bathrooms, a full kitchen, and expansive living and dining areas, creating an exceptional guest experience while maximizing income potential. The resort-inspired outdoor space is designed to elevate the guest experience. A large heated saltwater pool serves as the centerpiece of the backyard retreat, providing year-round enjoyment and enhanced rental appeal. Two pergola-covered gathering areas offer dedicated spaces for outdoor dining, entertaining, and relaxation, while a unique privacy divider allows each side of the duplex to enjoy its own outdoor setting when rented independently, enhancing flexibility and guest satisfaction. Inside, upscale finishes and quality craftsmanship are evident throughout, including 10-foot ceilings, luxury vinyl plank flooring, quartz countertops, designer-tiled showers, modern LED mirrors, and stylish coastal finishes. Private covered balconies extend the living space outdoors, offering the perfect place to enjoy morning coffee or unwind after a day spent at the beach. Built with both owner convenience and guest comfort in mind, the property is equipped with tankless gas water heaters, smart thermostats, and contemporary systems designed for efficiency and low-maintenance ownership. Whether you're seeking a high-performing short-term rental, a multi-generational family retreat, or an investment property capable of generating income while accommodating large groups, this remarkable duplex offers exceptional versatility. Located just minutes from the Gulf's sugar-white beaches, Pier Park's premier shopping, dining, and entertainment, and many of Panama City Beach's most popular attractions, this is a rare opportunity to acquire a nearly new coastal investment property with outstanding rental potential and broad guest appeal.

108 San Vincente St, Panama City Beach

Listing courtesy of EXP Realty LLC.

$399,000

2 Beds ⋅ 1 Baths ⋅ 996369 MLS

204 San Vincente St, Panama City Beach

Listing courtesy of Keller Williams Realty FWB.

$890,000

4 Beds ⋅ 3 Baths ⋅ 782720 MLS

4BD/BA3 single family home in El Centro Beach, Panama City Beach. 150 ft lakefront, renovated 2019, no HOA, 2 car garage. This renovated single-family home offers a rare combination of waterfront frontage, lot size, and proximity to the beach in Panama City Beach. Located in El Centro Beach community with no HOA, the property spans two oversized lots with approximately 150 feet of frontage on Lullwater Lake and is just steps from beach access. Short term rentals are not permitted. The interior includes 4 bedrooms and 3 full bathrooms across 2,419 heated and cooled square feet, all on one level. Renovated down to the studs in 2019, the home features updated flooring, crown molding, custom cabinetry, quartz countertops, custom tile showers, a gas fireplace, and a modern kitchen with stainless Samsung appliances, wine refrigerator, pantry, island, and breakfast bar. Major system updates completed in 2019 include a metal roof, plumbing, electrical, HVAC and ductwork, tankless water heater, and impact rated doors, windows, and garage door. A Generac whole house generator provides backup power, and natural gas is connected. Outdoor features include a private dock with lake access, a separate kayak launch, fenced backyard, extended patio with outdoor shower, and plumbing in place for a future summer kitchen. The property offers ample space for a future pool. Additional features include a central courtyard with pergola, circular driveway with parking for eight or more vehicles, RV or boat parking with 50 amp service, sprinkler system, and an attached two car garage with insulated walls and storage. Convenient to beach access, dining, shopping, and entertainment, this property offers waterfront living without an HOA in a well established neighborhood.

263 Lullwater Drive, Panama City Beach

Listing courtesy of Counts Real Estate Group Inc.

$549,900

758070 MLS

2 lots in the heart of Panama City Beach. 110' frontage on Arnold Road with 120' depth. Consists of 210 and 212 Arnold Rd. Build small office, single family home, duplex or townhomes for long or short term rentals. This is the city's showcase corridor to the beach with new sidewalks, landscaping, underground utilities and upgrades to storm water management. Growth everywhere you look. Take advantage of the residential / commercial opportunities here right now.

212 S Arnold Road, Panama City Beach

Listing courtesy of Beachy Beach Real Estate.

$3,900,000

777209 MLS

VERY LARGE PRICE REDUCTION. This property is the perfect spot for multiple medical facilities with the very close proximity to the new upcoming Tallahassee Memorial Hospital as well as the multiple medical research facilities also being built. Premier location! OWNER FINANCING AVAILABLE WITH ACCEPTABLE TERMS. Currently the first and second floors are available for owner occupancy. The property also has an additional lot that is included in the sale for parking and enough space to build approximately an additional 3000 sq ft building to increase property income or perfectly sized for large parking garage area allowing the availability to enlarge the existing building for additional usable square footage. Three floors in main building each being a bit over 4000 sq ft. The ground floor space once was a bank and could be up and operational within 30-45 days. The third floor is currently rented long term. The location is premier as it is strategically located between Hwy 79 and Pier Park close to the City Hall and within minutes of the New Hospital on Hwy 79 The sale includes adjoining lot identified as 33478-010-000

16901 Pc Bch Parkway, Panama City Beach

Listing courtesy of Counts Real Estate Group Inc.

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