Gulf Highlands Homes under $400,000

Welcome to Gulf Highlands, a hidden gem nestled in the heart of Florida’s breathtaking coastline. This charming subdivision offers a delightful blend of comfort, community, and coastal living, making it the perfect place to call home. With its lush landscapes and friendly atmosphere, Gulf Highlands invites you to experience the best of Florida living.

One of the standout features of Gulf Highlands is its impressive selection of homes priced under $400,000. Whether you’re a first-time buyer, a growing family, or looking for a vacation retreat, this subdivision has something for everyone. The homes in Gulf Highlands boast a variety of styles and sizes, from cozy single-family residences to spacious townhouses, all designed with modern amenities and a touch of southern charm.

Imagine waking up to the sound of the ocean and enjoying your morning coffee on a sun-drenched patio. Residents of Gulf Highlands enjoy easy access to pristine beaches, vibrant local shops, and delectable dining options, all just a stone’s throw away. The community is also known for its excellent schools and family-friendly parks, making it an ideal choice for those seeking a nurturing environment.

In Gulf Highlands, you’re not just buying a home; you’re investing in a lifestyle. With homes available under $400,000, the dream of coastal living is within reach. Don’t miss the opportunity to be part of this enchanting community—where sun-soaked days and starry nights await you. Explore Gulf Highlands today and discover your perfect slice of paradise!

Newest Gulf Highlands Homes under $400,000

175 Gulf Highlands Boulevard, Panama City Beach

$289,900

2 Beds ⋅ 2 Baths ⋅ 797261 MLS

Beach Living Meets Investment Opportunity in Panama City Beach! Whether you're looking for the perfect vacation getaway, a great investment property, or a place to call home, this charming 2-bedroom, 1.5-bath townhome is an opportunity you won't want to miss! Ideally located close to the beautiful beaches of Panama City Beach, this fully furnished townhome offers the perfect combination of comfort, convenience, and resort-style living. Enjoy fantastic community amenities, including: • 11 community pools (5 heated) • Tennis courts • Shuffleboard • Mini golf • Playground • Exercise room • Beach house / café • Gated security and property patrol • WIFI, cable, pest control, termite bond, trash, and groundskeeping. And the relaxed coastal lifestyle that makes this area such a desirable destination. ALL furniture and furnishings are included in the sale at NO additional cost! Perfect for short-term rental potential, a second home, or full-time living, this property offers endless possibilities. Don't miss your chance to own a piece of paradise in Panama City Beach!

175 Gulf Highlands Boulevard, Panama City Beach

Listing courtesy of Dalton Wade Inc.

$49,000

2 Beds ⋅ 2 Baths ⋅ 406057 MLS

Every ugly duckling deserves a chance to become a beautiful swan! And this one just happens to be minutes from Keaton Beach! Let's be honest, this mobile home isn't winning any beauty contests in its current condition, but for the right buyer with a little vision, some hard work, and a whole lot of creativity, the possibilities are exciting! Situated on a full 1-acre fenced lot, this property offers privacy, room to spread out, and a great opportunity to create your own coastal getaway. The mobile home is in need of significant renovation, making it an opportunity for investors, DIY enthusiasts, or someone ready to take on a project. With an existing well, septic system, and power already on the property, you've got a head start on bringing your vision to life. Located just minutes from Keaton Beach and the beautiful Gulf waters, you'll enjoy easy access to fishing, scalloping, kayaking, and everything that makes Florida's Forgotten Coast so special. Whether you're dreaming of a weekend fishing retreat, looking for your next investment, or simply wanting a piece of land near the coast, this property is worth a look. She may be an ugly duckling today, but with the right person and a little TLC, who knows what she could become? Sometimes the best opportunities aren't the prettiest ones!

15551 Shell Drive, Keaton Beach

Listing courtesy of Amy Cope Southern Properties,.

$320,000

2 Beds ⋅ 2 Baths ⋅ 796506 MLS

Your beach getaway with the potential to help offset ownership expenses! This coastal updated 2-bedroom, 1.5-bath townhome in Gulf Highlands Beach Resort sleeps six in beds and offers an inviting option for a second home, short-term rental investment, or primary residence. Located near the community's Front Beach Road entrance, this home puts beach days within easy reach. Inside, tile and luxury vinyl plank flooring complement the coastal updates, and the care the owners have put into this home is evident from the moment you walk in. Out back, enjoy no rear neighbors and the sounds of the Gulf while you grill and chill after a day on the sand. Gulf Highlands is a gated, golf cart friendly community in the heart of Panama City Beach, with amenities that give owners and vacation guests plenty to enjoy. Multiple swimming pools, including a beachfront pool, beach access, the beachfront Beach House, tennis courts, shuffleboard, an 18-hole miniature golf course, and a fitness center make it easy to fill your days without going far. Dining, shopping, and local attractions add to the convenience of this central location. Enjoy your own beach retreat and explore the potential to generate rental income when you are away. Financing options may include as little as 3% down for a primary residence or 20% down for an investment property for qualified buyers, subject to lender approval and program requirements. The sellers have loved this home, but a new season of life means it is time to pass it on. If Gulf Highlands has been on your list, schedule your showing and see what makes this one worth a closer look!

144 Robin Lane, Panama City Beach

Listing courtesy of Dalton Wade Inc.

$320,000

2 Beds ⋅ 2 Baths ⋅ 796303 MLS

Welcome to 140 Abbey Lane, a beautifully updated home nestled in the highly sought-after gated community of Gulf Highlands, just minutes from the sugar-white sandy beaches and convenient dedicated beach access. This charming 2-bedroom, 1.5-bath home is the perfect coastal getaway, vacation rental, or comfortable primary residence. Thoughtfully updated throughout and offered furnished, this home features an inviting open-concept layout, with show-stopping custom wallpaper and trendy bathrooms you have to see in person. Gulf Highlands is known for its resort-style amenities and prime location. Residents and guests enjoy access to 11 community pools, including 5 heated pools, as well as a private beachfront clubhouse featuring a pool and restaurant/café. Additional amenities include shuffleboard, mini golf, an exercise room, tennis courts, a playground, Wi-Fi, cable, pest control, a termite bond, trash service, groundskeeping, property patrol, and gated community access. With its updates, desirable location, abundant amenities, and close proximity to the beach, 140 Abbey Lane offers the perfect opportunity to enjoy the coastal lifestyle in one of the area's most popular resort communities.

140 Abbie Lane, Panama City Beach

Listing courtesy of Legacy Premier Agency.

112 Christopher Drive Unit A, Panama City Beach

$399,000

3 Beds ⋅ 2 Baths ⋅ 795999 MLS

Beautifully maintained 3-bedroom, 2-bath home in Gulf Highlands, ideally located just minutes from the white-sand beaches of Panama City Beach. Built in 2020, this newer-construction home offers 1,526 square feet of comfortable living space in one of the area's most desirable vacation and residential destinations. The open living area features durable wood-look vinyl flooring, quartz countertops, modern cabinetry with soft-close doors and drawers, and a contemporary kitchen equipped with stainless-steel appliances. The home also features a newer water heater, an efficient HVAC system, and a private rear wood deck providing a great spot for outdoor relaxation. Located just minutes from the beach and directly convenient to Frank Brown Park, home of major events and concerts including Gulf Coast Jam. Shopping, restaurants, entertainment, and everyday conveniences are all close by, making this an excellent location for a primary residence, second home, or vacation property. Built in 2020 • 3 Bedrooms • 2 Bathrooms • 1,526 Sq. Ft. • Gulf Highlands • Minutes to the Beach • Quartz Countertops • Stainless-Steel Appliances • Wood-Look Flooring • Soft-Close Cabinetry • Rear Deck

112 Christopher Drive Unit A, Panama City Beach

Listing courtesy of Savvy Avenue LLC.

$139,000

2 Beds ⋅ 1 Baths ⋅ 404124 MLS

Experience the best of North Florida’s outdoor lifestyle with this unique property situated on 1.06 acres. The fully furnished 408 sq ft tiny home features two bedrooms, a loft currently used as an additional sleeping area, and one full interior bathroom. Start your mornings on the covered front porch and, after a day of fishing, boating, or hunting, take advantage of the convenient outdoor shower and additional exterior bathroom. A water softener system is also in place for added convenience. One of the property’s standout features is its four permitted RV hookups, offering added flexibility for visiting family and friends, recreational use, or potential rental opportunities. Located approximately 10–12 minutes from Keaton Beach, just minutes from Sandhill Hunt Club, and approximately 15 minutes from Tide Swamp Wildlife Management Area, this property offers the best of both worlds for hunters and fishermen alike. Spend the morning in the woods or the afternoon on the Gulf enjoying some of the outdoor recreation North Florida is known for. Whether you’re searching for a weekend hunting and fishing camp, coastal getaway, investment opportunity, or a place to call home, this furnished property offers plenty of space, versatility, and possibilities.

15942 Shell Drive, Perry

Listing courtesy of The American Dream.

$258,000

2 Beds ⋅ 2 Baths ⋅ 794215 MLS

Price Just Reduced on this 2 Bedroom, 1.5 bath Townhome that backs up to the tennis courts, pool, and shuffleboard courts. This unit comes fully furnished and turn-key ready to rent and would make an excellent 1st or 2nd home and a great Investment Property. Upgrades include NEW ROOF installed 2-5-2026, Rinnai Tankless Water Heater is less than a year old, HVAC replaced almost 6 years ago, Newer Flooring and Cabinets. Gulf Highlands Beach Resort is a golf cart and pet friendly community. It has 11 Pools (one of the 11 pools is located on the Gulf side in the Private Beach House with a great Cafe/Bar), Tennis and Pickleball courts, 18-hole Mini Golf Course, play areas, Work out room, Community Room. This resort is in walking range to restaurants, shopping, Post office, Groceries, ER Department, storage units, banks, and much more. If Age, SF, and dimensions are approximate. More pictures coming!

137 Damon Circle, Panama City Beach

Listing courtesy of Emerald Coast Realty Inc.

131 Grande Island Blvd, Panama City Beach

$399,000

2 Beds ⋅ 3 Baths ⋅ 687148 MLS

5-minute walk to the beach! Welcome to Gulf Highlands Beach Resort, where this 2-story, 2-bedroom, 2.5-bath townhome is being SOLD FULLY FURNISHED and is ready for immediate enjoyment or to become your next investment property! With rental projections of approximately $38,000 annually, plus a 2022 roof and 2022 HVAC, this property is ready to go. Inside, you'll find a bright, neutral interior with an open layout. The kitchen features tile flooring, stainless steel appliances, abundant cabinetry, and a large breakfast bar with ample seating, while the adjacent dining area accommodates more seating. The spacious living room opens through sliding glass doors and is one of the few units with a covered patio overlooking one of the community pools. There’s also a shared green space, creating a relaxing outdoor setting. Additional conveniences include two owner's closets for secure storage and two assigned parking spaces. Both bedrooms and the laundry room are located upstairs. The spacious primary suite features a vaulted ceiling, private balcony with pool views, and an ensuite bathroom with a tub/shower combination. The second bedroom also includes its own ensuite bathroom with a walk-in shower, offering privacy for guests. Gulf Highlands Beach Resort is packed with amenities, including private beach access, 11 swimming pools with one being Gulf front, newly added pickleball courts, basketball courts, shuffleboard courts, mini golf, and a fitness center. Centrally located in Panama City Beach, you're just minutes from shopping, dining, and local attractions. Whether you're looking for a beach getaway, full-time residence, or short-term rental investment, this townhome offers an excellent location, strong income potential, and outstanding resort-style amenities!

131 Grande Island Blvd, Panama City Beach

Listing courtesy of KELLER WILLIAMS REALTY GULF COAST.

216 Grande Island Boulevard, Panama City Beach

$399,900

2 Beds ⋅ 3 Baths ⋅ 792652 MLS

Large END unit in Gulf Highlands Beach Resort with no elevators or long walks to the Beach and comes fully furnished. This unit has 2 privately owned parking spaces just steps from your front door and a golf cart approved parking pad. You'll find this Updated 2 Bedroom townhome has 2.5 Baths and is large enough for everyone to hang out and enjoy the comforts of a home away from home. The kitchen shines with White cabinets and granite counter tops. Upstairs there are 2 very comfortable bedrooms with private bathrooms, TVs, and large closets. The back patio is set up with table, chairs & gas grill. Updates include, paint, lighting, LVP flooring upstairs, microwave, dishwasher, washer & dryer to name a few. The Roof is about 3 yrs. old, HVAC and water heater were replaced last year. There are 11 pools in Gulf Highlands, 5 are heated and one pool is beach FRONT with a beach house restaurant. 3 tennis courts / 4 pickleball courts, 2 lighted tennis courts, fitness center, 18 hole mini golf, 2 playgrounds, shuffleboard courts, conference center. this GATED RESORT is centrally located with several attractions, dining, shopping, post office, and Walmart just minutes away. HOA fees are $1090.14/Qtr. and include household trash disposal, internet, lawn mowing, sprinklers, pest control, termite contract with HOA. Great for weekly and/or long-term rentals.

216 Grande Island Boulevard, Panama City Beach

Listing courtesy of The Ketchersid Group, LLC.

$240,000

2 Beds ⋅ 2 Baths ⋅ 792322 MLS

Make Gulf Highlands Beach Resort your new home in Panama City Beach. This conveniently located townhome community offers generous amenities and a spacious open floor plan. Recently renovated, the unit has a new roof, new paint throughout, new light fixtures, new doors, new vents and new carpet on the stairs. It is vacant and unfurnished allowing you to make it your own! Owners and guests enjoy access to 11 pools, including a beachfront pool and several seasonally heated options, along with tennis courts, pickleball courts, shuffleboard, an 18-hole miniature golf course, fitness facilities and private beach access with a beach clubhouse. This gated community with guard offers a secure property perfect for beach living, second home or an investment property. The quarterly fees are reasonable for all that is offered and financing is easily available. It's conveniently located near Wal-Mart, dining options and entertainment. Make an appointment to see this one today!

179 Robin Lane, Panama City Beach

Listing courtesy of Keller Williams Success Realty.

181 Gulf Highlands Blvd, Panama City Beach

$335,000

3 Beds ⋅ 3 Baths ⋅ 1005739 MLS

181 Gulf Highlands Boulevard | 3-Bedroom Vacation Rental | Gulf Highlands Beach Resort, Panama City Beach For investors and second-home buyers seeking a turnkey rental in Panama City Beach, 181 Gulf Highlands Boulevard checks the boxes that drive real returns: a well-maintained property, a resort community with unmatched amenities, and a 3-bedroom layout that commands stronger nightly rates and broader booking appeal. Low Maintenance. High Confidence. The major systems have been methodically replaced and are well within their useful life -- roof new in 2019, HVAC new in 2021, tankless water heater on-demand, kitchen appliances new in 2025, washer new in 2025, and luxury vinyl plank flooring installed throughout the living room in 2026. For an investor running the numbers, fewer deferred maintenance items means more revenue stays where it belongs. A Community Built for Bookings Gulf Highlands Beach Resort is one of Panama City Beach's most recognizable and consistently booked resort communities -- and for good reason. The resort is a large, gated townhome community situated directly across from the Gulf on Hutchinson Boulevard, giving guests the rare combination of private, low-density living with full resort infrastructure. The layout is low-rise and spread across a compact footprint, which means guests feel like they have the place to themselves even at peak capacity. On-site parking is reserved and positioned directly in front of each unit -- a small detail that earns outsized praise in guest reviews. The community's central PCB location puts Pier Park, Shipwreck Island Waterpark, dining, and Gulf World Marine Park all within a short drive, keeping the property competitive across every traveler demographic: families, couples, snowbirds, and group getaways. Amenities That Sell the Stay Gulf Highlands Beach Resort delivers the kind of guest experience that earns five-star reviews and drives rebookings: 11 pools including 5 seasonally heated and a Gulf-front beach pool, private Beach House, on-site restaurant, fitness center, tennis, pickleball, shuffleboard, 18-hole mini golf, gated security, and beach access. The resort sells the stay -- you collect the revenue. Three Bedrooms. Real Rental Advantage. Bedroom count drives rental math. A 3-bedroom captures larger groups, higher nightly rates, and a broader booking pool than two-bedroom alternatives -- with year-round demand from summer families, group getaways, and snowbird stays keeping the calendar full. Turnkey condition. Resort-scale amenities. Central PCB location. 181 Gulf Highlands Boulevard is ready to perform from day one.

181 Gulf Highlands Blvd, Panama City Beach

Listing courtesy of Serhant.

183 Gulf Highlands Blvd, Panama City Beach

$259,000

2 Beds ⋅ 2 Baths ⋅ 1004396 MLS

Just minutes from the sugar white sands of Panama City Beach, this inviting getaway places you in the heart of one of the area's most loved beach communities. Whether you're searching for a full-time residence, vacation retreat, or income-producing rental opportunity, this property offers the relaxed coastal lifestyle buyers are looking for. Inside, the bright open living and dining area creates an easy flow for gathering after a day on the water or exploring the nearby restaurants, entertainment, and shopping. The kitchen offers generous cabinet and counter space with a breakfast bar that keeps everyone connected. Sliding doors lead to a covered outdoor patio overlooking the community green space, creating the perfect setting for morning coffee or winding down after sunset beach walks. The spacious bedrooms provide comfortable accommodations for family and guests, while the private balcony adds another place to enjoy the warm Florida breeze. Neutral finishes throughout make it easy to personalize and start enjoying immediately. Located in Gulf Highlands Beach Resort, residents and guests enjoy access to resort-style amenities including pools, tennis courts, and a beachside lifestyle just moments away. Spend your days boating, fishing, dining on fresh seafood, shopping at Pier Park, or simply soaking in the coastal atmosphere that makes Panama City Beach such a sought-after destination

183 Gulf Highlands Blvd, Panama City Beach

Listing courtesy of Salty Marlin Realty.

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Gulf Highlands Homes under $400,000

Newest Gulf Highlands Homes under $400,000

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