No Recorded Subdivision Homes with Bay Waterfront Features

Welcome to a hidden gem in the heart of Florida, where the allure of waterfront living meets the tranquility of nature. Nestled in a serene location with no recorded subdivision, this unique area offers a rare opportunity to embrace the beauty of bayfront homes. Imagine waking up each day to the gentle sound of waves lapping against the shore and the breathtaking views of the shimmering waters right outside your window.

The homes in this picturesque enclave are designed to maximize the stunning bay waterfront features. Whether you’re seeking a cozy retreat or a spacious family residence, each property boasts its own charm, with many offering expansive decks, private docks, and panoramic views of the bay. Picture yourself enjoying sunset dinners on your patio or launching your kayak from your backyard, all while surrounded by the vibrant flora and fauna that Florida is known for.

Living in this area not only provides the luxury of waterfront access but also a sense of community and connection to nature. With ample opportunities for fishing, boating, and exploring the local wildlife, residents can immerse themselves in an active outdoor lifestyle. Nearby parks and nature reserves further enhance the appeal, providing spaces for leisurely strolls, picnics, and family gatherings.

If you’ve ever dreamed of a home that offers both comfort and the serene beauty of bayfront living, this is your chance. Discover the magic of this unrecorded subdivision and make your waterfront dreams a reality in sunny Florida!

Newest No Recorded Subdivision Homes with Bay Waterfront Features

$2,200,000

5 Beds ⋅ 3 Baths ⋅ 1008273 MLS

Rarely on the market, this newly renovated direct bay front home awaits you with a 2.75% assumable mortgage. No HOA and fully furnished. Great investment home! Rented first time in summer of 2026 averaging $1,000 to $1,500 per night! Wake up to a waterfront oasis, with a private dock& boat lift. Carriage house and 3 car garage plans are included. Walk into luxury with real wood flooring throughout the house, and beautifully designed interior. High end finishings in the kitchen, gas stove, wine closet, marble fireplace, & marble tiles from floor to ceiling in all bathrooms with waterfall quartz countertops in the kitchen & master bathroom. Rooms are equipped with remote controlled window treatment, easy access to the unparalleled sunrise rays & sunset hues. Master bedroom features a large walk-in closet, washer/dryer & a breathtaking view. The home features a 2-car garage, a luscious yard, hot tube over looking the bay and two saunas. one on the second floor balcony and one inside the garage. Home insurance is $8,200 and flood insurance is $1,800 annual. Seller is a licensed broker.

353 Bay Circle Dr, Santa Rosa Beach

Listing courtesy of Jon Howard Realty LLC.

$1,590,000

1007899 MLS

±2 Acres · ±175 feet of Choctawhatchee Bay frontage · No HOA · Minutes to 30A This two-acre, tree-lined property along Chat Holly Road offers approximately 150 feet on Choctawhatchee Bay--one of the most scenic and storied waterways on Florida's Emerald Coast. The Bay is prized for its quiet beauty, clear shallows, and endless ways to explore: launch a boat or paddleboard, fish the bayous, or cruise toward Crab Island and Destin's harborfront dining. The lot's generous depth provides room for an estate home, guest house, pool, or even a private pickleball court or collector-car garage, all surrounded by native oaks and pines for natural privacy. From here, you're minutes to Hwy 98, Grayton Beach, and 30A, as well as Dune Lakes Recreational Park and the area's top-rated schools.

Lot 1A Chat Holley, Santa Rosa Beach

Listing courtesy of Scenic Sotheby's International Realty.

$1,900,000

7 Beds ⋅ 5 Baths ⋅ 1006674 MLS

Waterfront multigenerational dream home on half an acre, all on one level and fully fenced for privacy, security, and fun. This rare property offers two separate homes, a covered pool, private dock, and tons of parking--perfect for a large family, multi-gen living, or a primary residence with incredible Airbnb/short-term rental potential. The main home is a spacious 3 bedroom, 2 bathroom layout with easy, single-level living, water views and includes a true mother-in-law suite with its own full kitchen, bathroom, and private access that leads directly out to the covered pool area--ideal for extended family, guests, or income-producing space. The second home is also a 3 bedroom, 2 bathroom layout. Multiple living areas, split bedrooms, and separate entrances give everyone room to spread out while still feeling connected. Step outside to your own private resort: a screened/covered pool just steps from both homes, a private dock for boating, fishing, or paddleboarding, and a fully fenced yard with privacy fence and gated entry. The oversized lot (approximately half an acre) offers room for kids, pets, toys, and gatherings, with ample driveway space and parking for cars, RV, or boat. This is an entertainer's paradise and a true lifestyle property--waterfront living, no stairs, multiple kitchens, and flexible spaces that can adapt as your needs change.

4374 W County Highway 83a, Freeport

Listing courtesy of LPT Realty LLC.

$225,000

988099 MLS

Waterfront Lot with Gulf Access - Rare Opportunity in the Panama City area. Discover the perfect blend of seclusion and convenience with this stunning waterfront lot located in Callaway on the east end of Panama City. Just minutes from Tyndall Air Force Base and only a 30-minute drive to the white-sand beaches of Panama City Beach, this property offers a peaceful escape while keeping you close to everything the area has to offer. This is one of six prime waterfront lots available—buy one, two, or all six for an incredible investment or development opportunity. Each lot offers direct Gulf access, and this particular lot features its own dock, making it ready for you to build your dream home right away. With lot prices ranging from $185,000 to $225,000, this is a rare chance to own waterfront property in Panama City at this price point. Whether you're a pilot, officer, retiree, or investor, you'll appreciate the privacy, water access, and long-term value this location provides. Highlights: 1.Waterfront with direct Gulf access 2.Existing dock included 3.Build-ready lot 4.Buy 1, 2, or all 6 lots 5.Minutes from Tyndall AFB, 30 min to PCB 6.Priced from $185K-$225K Waterfront opportunities like this don't last longsecure yours today.

1448 W Park Dr, Panama City

Listing courtesy of EXP Realty LLC.

$2,000,000

916987 MLS

Beautiful waterfront acreage on North Bay and Fanning Bayou. Approximately 775' Bay front. Zoning allows for five units per acre (Zoned R5-A, Unincorporated Bay County). Great site for a waterfront residential subdivision. The seller has conceptual site plans (attached) to include 9 waterfront lots and 28 interior lots. Other concepts include a marina with dry storage, with +/-42 wet slips, condominium or multi-family housing. Many possibilities and opportunities. There is approximately 5 acres of isolated wetlands which should not interfere with most development projects. Copies of the survey and site plans are attached.

6822 Hilliard St, Southport

Listing courtesy of Counts Real Estate Group Inc.

$2,500,000

987722 MLS

Waterfront vacant land with 198 feet on Choctawhatchee Bay. This 1.3 acres features magnificent ancient Live Oak Trees decorated with Spanish Moss and mature flowering Magnolia trees as well. Beautiful boat dock to facilitate your easy lifestyle on this lovely and exclusive area of the Bay. The property is nicely elevated and cleared of underbrush with an excellent view of the water from all directions. Ready for your personal view and that special new home on the Bay.

1140 Nellie Dr, Santa Rosa Beach

Listing courtesy of Gilbert Realty.

$2,000,000

909416 MLS

Pristine property located on beautiful St. Andrew's Bay in Panama City, FL. This property features 132 feet on St. Andrew Bay with a total of 1.67 acres. It is +/-1/2 mile east of the Hathaway Bridge, close to Port Panama City, Gulf Coast State College, Florida State University Panama City Campus, and Panama City Beach. In addition to St. Andrew's Bay, the property overlooks St. Andrew Bay, the Pass to the Gulf of Mexico and Shell Island. The property is zoned GC-2 General Commercial, allowing for multiple uses including, but not limited to, hotel/motel, multi-family, condominium, restaurant, retail, mixed-use, office, etc.

4423 W Hwy 98, Panama City

Listing courtesy of Counts Real Estate Group Inc.

$14,000,000

927841 MLS

124 Acres on West Bay in Panama City Beach - ''The Oak Grove on West Bay''. Located on the east-side of Colony Club & Trieste neighborhoods & the Holiday Golf Course. Over 1,200 feet on West Bay with expansive views across the Bay. It is comprised of 3 parcels; A=59.9 Acres on West Bay, B=60.1 Acre interior parcel and C=4.4 Acre parcel on West Bay and accessed via Moonlight Bay Drive. The primary access is via the Clara Avenue extension, which is a 100' right of way, now paved close to the south property line. The site has been annexed into the City of Panama City Beach & zoned P.U.D. & Conservation. The highest-and-best use is residential &/or resort. Conceptual site plans, surveys and maps are attached. Call for detailed information & to setup a tour.

000 Clara Ave, Panama City Beach

Listing courtesy of Counts Real Estate Group Inc.

$159,000

988100 MLS

1444 W Park Dr, Panama City

Listing courtesy of EXP Realty LLC.

$339,000

991821 MLS

Deep open water bayfront lot with Army Corps permits in hand, this Freeport offering presents a rare, build-ready opportunity on Choctawhatchee Bay. The property includes approved permits for both a dock and required mitigation, a generous 50' x 105' buildable footprint, and no required build timeframe, allowing an owner to design, hold, or construct at their own pace. Situated on a secluded, no-HOA street, the lot delivers privacy and tranquility without sacrificing accessibility. Notably, this is the least expensive waterfront lot with permits in place under $500,000, making it one of the most compelling bayfront values currently available. Whether envisioning a legacy waterfront estate or a refined coastal retreat, this deep-water lot offers the flexibility, certainty, and timeless appeal that discerning buyers seek.

Lot 26 Bayou Forest, Freeport

Listing courtesy of Scenic Sotheby's International Realty.

$2,000,000

986107 MLS

Gorgeous +/-4.4 acre secluded property on West Bay. Located at the east-end of Moonlight Bay Drive, which dead-ends into the property. It is known as the 'Oak Grove' as the property has several large oak trees. West Bay on the north side with expansive views across the Bay and a bayou on the south side. Zoned Planned Unit Development (P.U.D.) within the City of Panama City Beach. We believe the highest and best use is single-family residential development. Several large estate sized Bay-front lots could be developed, or one massive estate. The property is accessed via a 30' access easement. Travel from Panama City Beach Parkway past the Legacy Golf Club (f/k/a Holiday Golf Course), through the existing residential neighborhoods of Colony Club, and past Trieste. Left on Moonlight Bay Drive continue right (east) on Moonlight Bay, which dead-ends into the property. The adjacent two parcels to the east and south are also for sale; A=59.9 Acres on West Bay, B=60.1 Acre interior parcel. The other two large parcels are not contiguous and separated by the small bayou. They are accessed via the Clara Avenue extension. The parcels were annexed into the City of Panama City Beach & zoned P.U.D. & Conservation. The highest-and-best use is single-family residential. Conceptual site plans, wetlands delineation, surveys and maps are attached. Call for detailed information & to setup a tour.

000 Moonlight Bay Dr, Panama City Beach

Listing courtesy of Counts Real Estate Group Inc.

Start Your Search

Copyright© 2016 by the Multiple Listing Service of the Pensacola Association of REALTORS® This information is believed to be accurate but is not guaranteed. Subject to verification by all parties. This data is copyrighted and may not be transmitted, retransmitted, copied, framed, repurposed, or altered in any way for any other site, individual and/or purpose without the express written permission of the Multiple Listing Service of the Pensacola Association of REALTORS®. Florida recognizes single and transaction agency relationships. Information Deemed Reliable But Not Guaranteed. Any use of search facilities of data on this site, other than by a consumer looking to purchase real estate, is prohibited.

Vendor Member Number : 28166