Island Reserve Homes under $400,000

8700 Front Beach Road Unit 7313, Panama City Beach

Island Reserve, a premier gated community just minutes from the beautiful beaches of Panama City Beach. Island Reserve offers a true resort lifestyle with a spectacular 1-acre lagoon pool featuring waterfalls, lap area, zero-entry access, hot tub, and outdoor showers. This 3rd floor 1 bedroom, 1.5 bath condo is 1588 sq ft of thoughtfully designed living space with resort-style living in one of the area's most sought-after communities. Residence features 10-foot ceilings with crown molding, double-pane windows, and a bright open layout perfect for everyday living or entertaining. The kitchen is beautifully appointed with granite countertops and stainless steel appliances. The primary bathroom offers a spa-like soaking tub, walk-in shower, double vanity, 2 large walk-in closets. This home has a Culligan water filtration system in place and closets galore throughout the entire condo! Located just down the hall from the parking garage, accessing the unit with that load of groceries is easier than ever. Go straight to the 3rd floor of the parking garage. Residents also enjoy a beautifully appointed clubhouse with a fitness center, indoor basketball and pickleball courts for year-round play, theater room with a 100-inch screen, game room. The community is pet-friendly. Just minutes from the Gulf, shopping, dining, golf, this beautifully maintained condo delivers the perfect blend of luxury, location, and low-maintenance living. No short-term rentals permitted. Island Reserve offers a peaceful residential environment while still being close to everything Panama City Beach has to offer.

8700 Front Beach Road Unit 7313, Panama City Beach

Listing courtesy of Keller Williams Success Realty.

8700 Front Beach Road Unit 6310, Panama City Beach

$234,900

1 Beds ⋅ 2 Baths ⋅ 795490 MLS

Beautifully updated and exceptionally spacious, this 1-bedroom, 1.5-bath end condo offers one of the most desirable and unique layouts! With an impressive 1,588 square feet of living space spanning two levels, this immaculate residence features fresh paint, new LVP flooring, 10-foot ceilings, crown molding, new light fixtures, abundant storage, and two private balconies overlooking the resort-style pool. Occupying the top two floors of the building, this condo shares only one wall with a neighboring unit, offering added privacy along with beautiful sunset and pool views. The main level features an open and spacious living and dining area, half bath, private balcony, and a well-appointed kitchen with stainless steel appliances, granite countertops, modern backsplash, and solid wood cabinetry. Upstairs, you'll find an oversized primary bedroom with added soundproofing, two walk-in closets, and access to a second private balcony. The beautifully updated primary bath features a double vanity and walk-in shower. This level also includes the laundry area with a new washing machine, an oversized owner's closet, and plenty of additional storage throughout. Located within a gated community, owners and guests can enjoy resort-style amenities including a pool with waterfalls, hot tub, interactive splash pad, fitness center, basketball court, game room, and media center. Conveniently located on Front Beach Road and just minutes from the sugar-white sands and emerald-green waters of Panama City Beach, this property offers easy access to shopping, dining, entertainment, and everything the beach has to offer. Furniture is negotiable. Spacious, updated, private, and move-in ready--this is a truly unique property you won't want to miss!

8700 Front Beach Road Unit 6310, Panama City Beach

Listing courtesy of Counts Real Estate Group Inc.

8700 Front Beach Rd Unit UNIT 1217, Panama City Beach

$350,000

3 Beds ⋅ 3 Baths ⋅ 1010964 MLS

Welcome to Unit 1217 at Island Reserve, located in one of Panama City Beach's most desirable gated residential communities. Offering 3 bedrooms, 2.5 bathrooms, and a spacious, flexible floor plan, this beautifully designed unit is ideal as a primary residence, second home, or long-term investment property. Island Reserve does not permit short-term rentals, creating a true residential atmosphere, while long-term rentals are allowed with a minimum lease term of 6 months and 1 day. Inside, you'll find an open concept living area with high ceilings, stainless steel appliances, and plenty of space for both everyday living and entertaining. The primary suite features a generous walk-in closet, soaking tub, and separate walk-in shower. One of the highlights of the unit is the large wraparound corner balcony overlooking the resort-style pool, providing an incredible outdoor extension of the living space. Island Reserve is known for its exceptional amenities, including a lagoon-style pool with zero-entry access, hot tub, outdoor showers, fitness center, indoor basketball and pickleball courts, theater room, game room, clubhouse, and gated parking garage. HOA dues include utilities with the exception of electricity and personal Wi-Fi upgrades, along with exterior maintenance and repairs and pest control. All of this is located just minutes from the sugar-white sandy beaches of Panama City Beach, giving you the convenience of being close to the beach while enjoying the privacy, security , and residential feel of a gated community. Unit 1217 offers the space, amenities, and location to enjoy the best of the Panama City Beach lifestyle without the constant turnover of short-term rentals. Some furnishings are negotiable. Schedule your showing today!

8700 Front Beach Rd Unit UNIT 1217, Panama City Beach

Listing courtesy of Legacy Premier Agency LLC.

8700 Front Beach Road Unit 1217, Panama City Beach

$350,000

3 Beds ⋅ 3 Baths ⋅ 794760 MLS

Welcome to Unit 1217 at Island Reserve, located in one of Panama City Beach's most desirable gated residential communities. Offering 3 bedrooms, 2.5 bathrooms, and a spacious, flexible floor plan, this beautifully designed unit is ideal as a primary residence, second home, or long-term investment property. Island Reserve does not permit short-term rentals, creating a true residential atmosphere, while long-term rentals are allowed with a minimum lease term of 6 months and 1 day. Inside, you'll find an open concept living area with high ceilings, stainless steel appliances, and plenty of space for both everyday living and entertaining. The primary suite features a generous walk-in closet, soaking tub, and separate walk-in shower. One of the highlights of the unit is the large wraparound corner balcony overlooking the resort-style pool, providing an incredible outdoor extension of the living space. Island Reserve is known for its exceptional amenities, including a lagoon-style pool with zero-entry access, hot tub, outdoor showers, fitness center, indoor basketball and pickleball courts, theater room, game room, clubhouse, and gated parking garage. HOA dues include utilities with the exception of electricity and personal Wi-Fi upgrades, along with exterior maintenance and repairs and pest control. All of this is located just minutes from the sugar-white sandy beaches of Panama City Beach, giving you the convenience of being close to the beach while enjoying the privacy, security, and residential feel of a gated community. Unit 1217 offers the space, amenities, and location to enjoy the best of the Panama City Beach lifestyle without the constant turnover of short-term rentals. Some furnishings are negotiable. Schedule your showing today!

8700 Front Beach Road Unit 1217, Panama City Beach

Listing courtesy of Legacy Premier Agency.

8700 Front Beach Road Unit 4110, Panama City Beach

$250,000

2 Beds ⋅ 3 Baths ⋅ 794320 MLS

Luxury living at Island Reserve in Panama City Beach! This spacious 2-bedroom, 2.5-bathroom condo spans 1,325 square feet of beautifully designed interior space. The thoughtful layout features an open-concept living area seamlessly connecting the kitchen, dining, and main living spaces--ideal for effortless entertaining and everyday comfort. Both full bedrooms serve as private suites with generous closet space, while a convenient half-bath accommodates guests. Stepping outside, you will find a large private balcony accessible from the living room and bedrooms, perfect for taking in the fresh coastal breeze. Situated in a premier gated community, residents enjoy an exceptional array of resort-style amenities, including a massive one-acre resort lagoon-style pool complete with waterfalls and a splash pad, a fully equipped fitness center, an indoor basketball court, pickleball courts, and a resident clubhouse with a game room. Island Reserve offers a tranquil residential atmosphere close to world-class dining, shopping, and the sugar-white sands of the Gulf. Whether you are searching for a primary residence or a serene coastal getaway, this unit delivers the ultimate blend of comfort, style, and convenience.

8700 Front Beach Road Unit 4110, Panama City Beach

Listing courtesy of Counts Real Estate Group.

8700 Front Beach Road Unit 3106, Panama City Beach

$198,895

1 Beds ⋅ 1 Baths ⋅ 794306 MLS

The Seller is interested in offering, ''Owner Financing'' , or ''lease to own '' with favorable terms. This could be your new Home, or A Proven Income stream, seller has documented rental income, this is literally a Ground floor opportunity. Ground floor Units come around once in a Blue Moon at Island Reserve. This one has that with two covered parking spaces. The unit has a bonus room that can be used as you like; often as an additional bedroom, or bunk room. This Unit is spacious with high ceilings, and an open floor design, exploiting the warm sunlight. With crown molding, wood and tile floors, granite counter tops and an updated kitchen with modern appliances. The master bedroom has a double vanity with a large tub and shower type design. This residence features a Large laundry area that will accommodate a full size washer and dryer. The Island Reserve Community is not only modern, it is one of the most amenity rich communities in Panama City Beach, featuring an excellent fitness facility, game room, theater room with a huge screen, basketball court and volleyball courts, with a Dream Pool that features a waterfall; all wrapped up in a safe gated area with modern styling. Island Reserve allows Owners to have dogs, which is becoming increasingly rare. It is very close to our beautiful sandy beaches, and centrally located to all that is Panama City Beach, making this an attractive investment opportunity.

8700 Front Beach Road Unit 3106, Panama City Beach

Listing courtesy of Local Motion Realty LLC.

8700 Front Beach Road Unit 5214, Panama City Beach

$369,000

3 Beds ⋅ 3 Baths ⋅ 793666 MLS

Welcome to Unit 5214 at The Island Reserve -- 8700 Front Beach Rd, Panama City Beach, FL 32407 Discover resort-style living in this spacious approximately 1,761 sq ft, 3-bedroom, 2.5-bath condominium -- one of the nicest units in the complex -- located in one of Panama City Beach's most desirable gated communities. Built in 2008, Island Reserve offers a true residential lifestyle with no short-term rentals permitted. Long-term rentals are allowed with a minimum lease term of 6 months and 1 day, making this an ideal primary home, second home, or long-term investment property. This unit comes furnished at full asking price (or unfurnished, if preferred). Step inside to an open, light-filled layout featuring soaring 10-foot ceilings, crown molding, designer vinyl floors and tile floors, and an inviting living/dining area that flows into a well-appointed kitchen with granite countertops and high-end designer LG appliances. The primary suite provides a private retreat with a generous walk-in closet, soaking tub, and separate shower, plus convenient access to your private balcony that offers a beautiful view of the landscape and the pool. Two additional bedrooms and a convenient half bath complete the flexible floor plan, with in-unit washer/dryer connections for everyday ease. Residents enjoy exceptional amenities just steps away: a spectacular 1-acre lagoon-style pool with waterfalls, zero-entry access, lap area, hot tub, and outdoor showers; a state-of-the-art fitness center; indoor basketball/pickleball courts; a theater room with large screen; game room; clubhouse; and lush landscaped courtyards with fountains. Garage parking and gated security add convenience and peace of mind. Located just minutes from the sugar-white sands of the Gulf of America, Pier Park shopping and dining, and other Panama City Beach attractions, Unit 5214 delivers the perfect blend of coastal convenience and upscale resort living. Experience the Island Reserve lifestyle -- schedule your private tour today.

8700 Front Beach Road Unit 5214, Panama City Beach

Listing courtesy of Home Town Realty Partners LLC.

8700 Front Beach Rd Unit UNIT 7207, Panama City Beach

$280,000

2 Beds ⋅ 3 Baths ⋅ 1008409 MLS

**WOW**- $5,000 BUYER CREDIT AT CLOSING for a full price offer! This Island Reserve condo has an open concept with a split floor plan boasting 2 master suites plus an additional half bath, beautiful finishes, granite countertops and stainless steel appliances. Upgrades include new living area flooring (July, 2026), soft-close cabinets, tinted windows to keep the unit cooler, custom wood closet shelves, ''never used'' dishwasher, new washer/dryer and between glass window blinds. Park your car and your golf-cart in the covered parking garage - no stairs or elevators - and take a short 1.2-mile golf-cart ride to one of the Top 10 Beaches in America. You will love the laid-back lifestyle and amazing amenities in Island Reserve - lagoon style pool, pickleball, basketball, fitness center and so much more! No short-term rentals here, just peace and quiet in resort-style living. This spacious 2nd story unit is easy to maintain and enjoys very low utility bills. Island Reserve is a gated community with a security officer, controlled access, security cameras and perimeter fencing that will provide you with Safety and Peace of Mind.

8700 Front Beach Rd Unit UNIT 7207, Panama City Beach

Listing courtesy of Anchor Realty Florida.

8700 Front Beach Road Unit 3308, Panama City Beach

$215,000

1 Beds ⋅ 1 Baths ⋅ 793091 MLS

Welcome to Island Reserve and this fully equipped 1-bedroom, 1-bath condo, with 1,071 square feet of living space, offering a remarkably spacious, upscale, resort-style living experience. Overlooking the beautiful courtyard, this well-maintained condo features 10-foot ceilings, crown moldings, granite countertops, wood and tile flooring, including a large bonus room or den ideal for a home office, media room, or guest nook. The kitchen area is designed with an open-concept layout that integrates seamlessly into the main living and dining spaces. This highly sought-after residential community is loved for its peaceful atmosphere, resort-style amenities, and true neighborhood feel. Short term rentals are prohibited, ensuring a quiet, residential atmosphere year-round. The multi-level parking garage allows you to park on the same floor as your unit, eliminating the need for stairs or elevators. Offering a strong social club with community events, steps away from the 1-acre tropical lagoon pool with waterfalls, indoor basketball/pickleball courts, fitness center, game room and gated security. Located just 1.4 miles from the sugar-white sands of Panama City Beach and minutes from the Hathaway Bridge, Island Reserve offers the perfect blend of tranquility and convenience. The unit comes furnished or unfurnished, buyer's preference.

8700 Front Beach Road Unit 3308, Panama City Beach

Listing courtesy of Beachy Beach Real Estate.

8700 Front Beach Road Unit 7207, Panama City Beach

$280,000

2 Beds ⋅ 3 Baths ⋅ 793031 MLS

**WOW**- $5,000 BUYER CREDIT AT CLOSING for a full price offer! This Island Reserve condo has an open concept with a split floor plan boasting 2 master suites plus an additional half bath, beautiful finishes, granite countertops and stainless steel appliances. Upgrades include new living area flooring (July, 2026), soft-close cabinets, tinted windows to keep the unit cooler, custom wood closet shelves, ''never used'' dishwasher, new washer/dryer and between glass window blinds. Park your car and your golf-cart in the covered parking garage - no stairs or elevators - and take a short 1.2-mile golf-cart ride to one of the Top 10 Beaches in America. You will love the laid-back lifestyle and amazing amenities in Island Reserve - lagoon style pool, pickleball, basketball, fitness center and so much more! No short-term rentals here, just peace and quiet in resort-style living. This spacious 2nd story unit is easy to maintain and enjoys very low utility bills. Island Reserve is a gated community with a security officer, controlled access, security cameras and perimeter fencing that will provide you with Safety and Peace of Mind.

8700 Front Beach Road Unit 7207, Panama City Beach

Listing courtesy of Anchor Realty Florida.

8700 Front Beach Rd Unit UNIT 3303, Panama City Beach

$230,000

1 Beds ⋅ 1 Baths ⋅ 1008094 MLS

Welcome to your completely renovated Panama City condo, where modern design meets effortless coastal living. Every detail has been thoughtfully updated, creating a truly move-in-ready home with high-end finishes throughout. Step inside to discover brand-new luxury vinyl plank flooring throughout the living areas, second floor, stairs, and closets, complemented by fresh interior paint on the ceilings, walls, trim, cabinetry, and built-ins. The open living spaces are enhanced with all-new recessed lighting, updated ceiling fans, stylish light fixtures, and floor-to-ceiling double-layer blackout curtains in both the living room and primary bedroom. The beautifully updated kitchen features freshly painted cabinetry, new pendant lighting, a new flush-mount ceiling fixture, a new sink, and a brand-new refrigerator, offering a clean, modern space that's perfect for everyday living or entertaining. The primary suite has been transformed into a luxurious retreat with dual sinks, elegant chandelier lighting, custom vanity trim, and a professionally designed walk-in closet complete with furniture-grade built-ins, custom shelving, double-hanging storage, black closet rods, and dedicated his-and-hers organization. The hall bathroom has also been tastefully updated with a new sink, vanity enhancements, and a new toilet, while both bathrooms feature brand-new toilets. Additional upgrades include a custom office with a newly added interior window opening, trim detail, and additional electrical outlets, along with new shoe molding throughout, professionally repaired drywall, and meticulous finish work that gives the entire condo a fresh, polished feel. From top to bottom, this extensive renovation leaves nothing to do but move in and enjoy everything Panama City has to offer. Whether you're looking for a full-time residence, vacation getaway, or investment opportunity, this turnkey condo offers exceptional style, quality, and value in one beautifully updated package.

8700 Front Beach Rd Unit UNIT 3303, Panama City Beach

Listing courtesy of EXP Realty LLC.

8700 Front Beach Road Unit 3303, Panama City Beach

$230,000

1 Beds ⋅ 1 Baths ⋅ 792875 MLS

Welcome to your completely renovated Panama City condo, where modern design meets effortless coastal living. Every detail has been thoughtfully updated, creating a truly move-in-ready home with high-end finishes throughout. Step inside to discover brand-new luxury vinyl plank flooring throughout the living areas, second floor, stairs, and closets, complemented by fresh interior paint on the ceilings, walls, trim, cabinetry, and built-ins. The open living spaces are enhanced with all-new recessed lighting, updated ceiling fans, stylish light fixtures, and floor-to-ceiling double-layer blackout curtains in both the living room and primary bedroom. The beautifully updated kitchen features freshly painted cabinetry, new pendant lighting, a new flush-mount ceiling fixture, a new sink, and a brand-new refrigerator, offering a clean, modern space that's perfect for everyday living or entertaining. The primary suite has been transformed into a luxurious retreat with dual sinks, elegant chandelier lighting, custom vanity trim, and a professionally designed walk-in closet complete with furniture-grade built-ins, custom shelving, double-hanging storage, black closet rods, and dedicated his-and-hers organization. The hall bathroom has also been tastefully updated with a new sink, vanity enhancements, and a new toilet, while both bathrooms feature brand-new toilets. Additional upgrades include a custom office with a newly added interior window opening, trim detail, and additional electrical outlets, along with new shoe molding throughout, professionally repaired drywall, and meticulous finish work that gives the entire condo a fresh, polished feel. From top to bottom, this extensive renovation leaves nothing to do but move in and enjoy everything Panama City has to offer. Whether you're looking for a full-time residence, vacation getaway, or investment opportunity, this turnkey condo offers exceptional style, quality, and value in one beautifully updated package.

8700 Front Beach Road Unit 3303, Panama City Beach

Listing courtesy of eXp Realty, LLC.

Island Reserve Homes under $400,000

Newest Island Reserve Homes under $400,000