El Centro Beach Homes under $1 million

16804 Innocente Avenue, Panama City Beach

Location, lifestyle, and convenience all come together at 16804 Innocente Ave! Just a short walk from the sandy beaches of Panama City Beach and minutes from Pier Park, this 4-bedroom, 2-bath home is also conveniently located near the growing FSU Health medical campus on Hwy 79. Short-term rentals are not permitted, offering a more residential neighborhood feel without the constant turnover of vacation guests next door. Enjoy a screened-in porch, private fenced backyard, garage/workshop space, and easy access to everything that makes PCB such a great place to call home. Bring all offers! Seller is offering $1,000 Buyer Agent bonus if under contract by October 31!

16804 Innocente Avenue, Panama City Beach

Listing courtesy of Coldwell Banker Realty.

218 N El Centro Boulevard, Panama City Beach

$550,000

3 Beds ⋅ 3 Baths ⋅ 795100 MLS

218 N. El Centro Boulevard, Panama City Beach, FL Welcome to 218 N. El Centro Boulevard, where your own private backyard paradise awaits in the heart of Panama City Beach... with NO HOA! Proudly owned and meticulously maintained by its owner, who recently completed the renovations, this beautiful 3-bedroom, 3-bath home offers the perfect blend of comfort, style, and Florida outdoor living. Step outside and discover your personal retreat featuring a sparkling inground pool, covered lanai, and a fully fenced backyard with attractive white vinyl fencing, creating the ideal space for relaxing, entertaining, and enjoying the year-round sunshine. Inside, you'll find approximately 1,776 square feet of thoughtfully designed living space with an open-concept floor plan that feels both spacious and inviting. Beautiful new flooring and carpet throughout provide a fresh, modern feel, while the living room's stunning shiplap ceiling adds warmth and character. The kitchen is designed for both function and style, featuring granite countertops, upscale appliances, and plenty of workspace, making it perfect for everyday living and entertaining alike. The spacious primary suite serves as a peaceful retreat, complete with a beautifully tiled ensuite bath, vanity, walk-in shower with seamless glass doors, and generous storage. Oversized garage featuring a professionally epoxied floor and abundant workshop space, perfect for hobbies, projects, storage, or a home workspace. Large-capacity stackable stainless and gray washer and dryer conveniently located just off the main living area Additional highlights include: Paid-in-full solar panels for energy efficiency and long-term savings. Irrigation system servicing the front yard Private pool and outdoor entertaining space No HOA restrictions Location, Location, Location! Situated adjacent to Frank Brown Park, you'll enjoy easy access to some of Panama City Beach's most desirable recreational amenities, including: Aquatic Center Tennis and basketball courts Playgrounds Dog park Skate park Gayle's Trails Conservation Park Families will appreciate the short walk to the school bus stop, while everyone will love the friendly neighborhood atmosphere and convenient access to shopping, dining, beaches, and outdoor recreation. Unbeatable Panama City Beach location, this is a rare opportunity to own a home that truly has it all. Come experience the perfect combination of coastal living, energy efficiency, privacy, and recreation at 218 N. El Centro Boulevard!

218 N El Centro Boulevard, Panama City Beach

Listing courtesy of Coldwell Banker Realty.

501 Granada Circle Unit 501A, Panama City Beach

$240,000

1 Beds ⋅ 1 Baths ⋅ 794129 MLS

Bunks for the babies! Looking for a beach getaway that comfortably accommodates up to six or a smart investment with affordable HOA dues, this 900 sq. ft. condo at El Centro Villas delivers and its newly remodeled! Ideally located just a short walk or golf-cart ride to the beach, dining, shopping, and entertainment, it offers the convenience vacationers want and the location investors need near Pier Park and Dollys dinner theater show. The functional layout provides plenty of space to relax, making it ideal for families and groups while still feeling comfortable and efficient. HOA dues cover exterior maintenance,water, sewer, trash, landscaping, and access to the community pool keeping ownership simple and operating costs predictable. Whether you desire as a personal retreat, short-term rental, or both, this condo offers low-maintenance beach living in the heart of Panama City Beach.

501 Granada Circle Unit 501A, Panama City Beach

Listing courtesy of Dalton Wade Inc.

16908 Innocente Avenue, Panama City Beach

$995,000

6 Beds ⋅ 5 Baths ⋅ 793916 MLS

This massive single-family estate, currently operating as the high-performing ''Mighty Paradise'' (with $170K+ in rental history) offers an incredible investment opportunity just two blocks from the beach and one mile from Pier Park. Designed for maximum occupancy and versatility, the property features a sprawling layout that sleeps up to 24 guests, making it a favorite for large groups and reunions. Renovations include a fully remodeled kitchen, fresh interior paint, and a resurfaced 16x32 heated saltwater pool, ensuring a turnkey experience for the next owner. Beyond the main living areas, the property distinguishes itself with a dedicated game room equipped with billiards, foosball, and air hockey, plus a private hot tub for ultimate relaxation. Uniquely designed with separate guest quarters that include a second full kitchen and private patio, this estate offers rare flexibility for multi-generational families or groups seeking privacy. With no HOA and a proven history of rental success, this is a standout asset in the PCB market.

16908 Innocente Avenue, Panama City Beach

Listing courtesy of EXP Realty LLC.

$555,000

3 Beds ⋅ 3 Baths ⋅ 792142 MLS

Brand-new lakefront construction in Panama City Beach! Located at 227 Lullwater Drive, this thoughtfully designed two-story home offers 1,817 sq. ft. of living space with 3 bedrooms, 2.5 baths, and a spacious main-level primary suite. Quality construction and features include hurricane-impact windows and 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 the convenience of no HOA and a location outside the flood zone. The beach is within walking distance, while Pier Park, Frank Brown Park, restaurants, shopping, and entertainment are just minutes away. Move-in ready and offering a 1-year builder warranty and transferable termite bond, this home is well suited for a primary residence, second home, or investment property. Schedule your private showing today!

227 Lullwater Drive, Panama City Beach

Listing courtesy of Keller Williams Success Realty.

$779,000

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.

204 San Vincente Street, Panama City Beach

$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.

$399,000

2 Beds ⋅ 1 Baths ⋅ 996369 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 St, Panama City Beach

Listing courtesy of Keller Williams Realty FWB.

El Centro Beach Homes under $1 million

Newest El Centro Beach Homes under $1 million

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