Coastal charm meets modern comfort just 1.5 blocks from the bay with public water access! Tucked away on a quiet dead-end street that leads directly to the water, this beautifully updated 2-bedroom, 1.5-bath home offers the perfect blend of character, convenience, and location. Step inside to find real hardwood floors throughout the main living areas and tasteful updates throughout. The renovated kitchen with stainless steel appliances flows seamlessly into the living and dining spaces--ideal for everyday living or entertaining guests. Both the full and half bathrooms have been thoughtfully updated for a fresh, move-in ready feel. Enjoy Florida coastal living year-round from the bright sun porch and cozy back porch, perfect for catching those relaxing bay breezes. Major systems provide peace of mind, with the HVAC and water heater both less than five years old, offering improved energy efficiency. Outside, the fenced yard provides space for pets, play, or outdoor gatherings. Additional features include city water and sewer, and washer and dryer that convey. NO HOA and NO flood insurance required -- a rare and valuable combination this close to the water. Ideally located just 20 minutes to Panama City Beach, 25 minutes to Tyndall Air Force Base, and only 5 minutes to the Navy Base, making this an excellent option for military relocation, first-time buyers, investors, or those seeking a peaceful coastal retreat.
Rare Opportunity in The Cove - Double Lot! This charming 3-bedroom, 1-bath home is perfectly located in the heart of downtown Panama City, just a street from Massalina Bayou. Set on a rare double lot, the property offers plenty of room for expansion, a full build, or creating your dream outdoor space. Ideal for a cozy home with potential or a smart investment in a sought-after area, this property is full of possibilities. Seize the chance to own a piece of downtown Panama City with unmatched potential!
OPEN HOUSE - Sunday, March 1st from 1-3p. Welcome to 1301 Beck Avenue, Unit 64, a charming 1 bedroom, 1 bathroom retreat perfectly positioned in one of the most desirable and walkable areas of town. Just steps from the beautiful waters of St. Andrews Bay and the heart of the historic district, this location offers the ultimate coastal lifestyle. Enjoy morning walks along the bay, sunset views just outside your door, and easy access to some of the area's best local restaurants, coffee shops, and lively bars. Whether you are looking for a full time residence, weekend getaway, or investment opportunity, this unit places you right in the center of it all. Inside, you will find a comfortable and inviting layout designed for easy living. The one bedroom floor plan offers just the right amount of space while remaining low maintenance, ideal for anyone wanting to spend more time enjoying the surroundings and less time on upkeep. With downtown charm, waterfront access, and a short drive to beaches, shopping, and entertainment, this property offers convenience, character, and coastal appeal all in one. Opportunities in this location do not last long, come experience the lifestyle for yourself.
Located in The Cove on a quiet street, this 4-bedroom home includes alley access, natural gas, and up to $10,000 toward buyer closing cost assistance. Welcome to 111 N Gayle Ave in The Cove--one of Panama City's most loved and established in-town neighborhoods--known for its charming streets, mature oak canopy, and timeless character. Tucked away on a quiet street, this 4-bedroom, 2-bath home offers 1,744 sq ft with a comfortable, flexible layout ideal for everyday living, guests, or a home office setup. Alley access and a single-car garage add convenience and functionality rarely found in this area. You'll appreciate the efficiency and comfort of natural gas, including heat, stove, and a tankless water heater for on-demand hot water. Perfectly positioned near the heart of town, the home is just minutes from downtown Panama City's dining, marina, and waterfront attractions. Its close proximity to Ascension Sacred Heart Hospital makes this location especially appealing for medical professionals or those seeking potential rental flexibility. Centrally located, the property offers easy access to Tyndall Air Force Base to the east, the Navy Base to the west, and is close enough to Panama City Beach for a day trip to the Gulf. Set within a golf-cart-friendly community, residents enjoy convenient rides to downtown restaurants, local shops, marina areas, and nearby waterfront amenities. Don't miss your opportunity--schedule your showing today with your favorite Realtor!
OPEN HOUSE - Thursday, February 26th from 1:30-3:30 AND Sunday, March 1st from 12-3p. Completely Remodeled Cove Home Move in Ready! Welcome to 125 Linda Lane, this beautifully renovated 3-bedroom, 2-bath home located in the highly desirable Cove community of Panama City. This home has been completely updated while maintaining its classic charm. Recent renovations include but not limited to; spray foam insulation for improved energy efficiency, brand new luxury vinyl plank (LVP) flooring throughout, custom cabinetry, and all new appliances. The thoughtfully designed kitchen offers modern finishes and ample storage, opening to comfortable living and dining spaces ideal for everyday living or entertaining. The split-bedroom floor plan provides privacy and flexibility. Both bathrooms have been updated, and the home features new central heating and air. Situated on a 60x140 lot, there is room to enjoy outdoor living, or relaxing evenings on the porch. Located just minutes from the bay, downtown Panama City, shopping, dining, and schools. No HOA. This is a turn-key opportunity in one of the area's most established and sought-after neighborhoods. Schedule your private showing today.
BRAND NEW 2026 CONSTRUCTION -- BUILT TO IMPRESS AND BUILT TO LAST. Why buy someone else's problems when you can own brand-new everything? This home delivers modern design, elevated finishes, and real long-term value. The durable metal roof isn't just an upgrade -- it's peace of mind. Energy-efficient, low maintenance, and built to handle Florida weather for decades. Inside, the custom entertainment wall with built-in TV and fireplace creates a bold focal point that instantly sets this home apart. It's stylish. It's functional. It's the space everyone naturally gathers in. Whether you're hosting friends or enjoying a quiet night in, this living area hits different. Step outside to your fully fenced backyard, offering privacy, security, and room to breathe. Perfect for pets, gatherings, or simply enjoying your own outdoor space. Everything is new. Everything is done. All that's missing is you. Don't wait for this one to be gone -- schedule your private showing today and see why this home stands out from the rest.
Open living and kitchen area with lots of room for the family. Beautifull kitchen with eat-in bar, corian tops and SS appliances. Large family room for all your furniture with high ceilings. Bedrooms are good size with plenty of room and the big master bedroom offers large closet and a custom master bathroom and access to back patio. Hall bathroom is a custom look and lots of room. Laundry room with lots of storage space and the house offers lots of closet space. Corner lot that offers privacy fence and a yard building for more storge. Close to everything and can be used as short rental income. Close drive to Tyndall Air Base. Tour today. If important all information and measurements should be verified.
This centrally located brick home is move-in ready and waiting for its new owner. The property features a spacious double carport and an expansive yard, offering plenty of room for outdoor enjoyment and entertaining. Inside, you'll find an open floor plan with durable wood laminate flooring and numerous recent updates for peace of mind. Improvements include a new floor joist system under the kitchen, a new 40-gallon water heater, new refrigerator and dishwasher, fresh interior and exterior paint, and all windows and exterior doors replaced within the last five years. The roof was installed in 2018. The large kitchen offers abundant cabinet space, making meal preparation and storage convenient and efficient. The primary bathroom showcases a beautifully tiled walk-in shower, adding a modern touch. Step outside to enjoy the spacious back deck--perfect for relaxing or hosting gatherings. Ideally situated just minutes from Downtown St. Andrews and Downtown Panama City, this home offers unbeatable convenience to shopping, dining, and entertainment. Whether you're searching for a primary residence or a solid investment opportunity, this property provides exceptional potential and value.
Brand-New Construction in Panama City! Welcome to 148 Bayou Ave, a brand-new build offering modern finishes and thoughtful design in an established Panama City neighborhood. This newly constructed home features quartz countertops, a stylish tile shower, and a clean, contemporary feel throughout. The open and functional layout is filled with natural light, creating comfortable living spaces ideal for everyday life or entertaining. The kitchen stands out with its sleek quartz surfaces, while the bathroom showcases a beautifully finished tile shower—bringing both durability and style. Situated on a quiet street, the property offers a yard with room to relax, garden, or entertain. Enjoy the convenience of being close to shopping, dining, schools, downtown Panama City, Tyndall Air Force Base, and the stunning beaches of the Emerald Coast. Whether you're looking for a move-in-ready home or a smart long-term investment, 148 Bayou Ave delivers modern construction, quality finishes, and a great location. Schedule your showing today and see this new build for yourself!
Opportunity property with value-add potential in Panama City. This 3-bedroom, 1-bath home offers 900 square feet on an oversized 0.309-acre lot inside city limits. The roof was replaced in 2019, providing a key structural update already completed. The single-story layout includes vinyl plank flooring, a functional living and dining area, built-in bedroom storage, and a dedicated laundry space. A screened front porch adds covered outdoor space, while the detached one-car garage is connected by a covered breezeway for convenient access. The fenced backyard offers, generous depth, and room for future improvements or expansion. With no HOA restrictions and a large lot size, the property provides flexibility for renovation and long-term upside. Located near Downtown Panama City and St. Andrews Bay, this home offers convenient access to shopping, dining, parks, and waterfront amenities within Bay County. A strong opportunity in an established residential setting. Conveniently located near everyday amenities, the property is approximately 1.2 miles from Downtown Panama City and about 1.1 miles from St. Andrews Bay access. Grocery options including Publix Super Market at Millville are approximately 0.8 miles away, with additional shopping and dining along 15th Street within roughly 1 to 1.5 miles. Oakland Terrace Park is approximately 0.6 miles away for outdoor recreation. Nearby schools include Cherry Street Elementary approximately 0.9 miles away, Rosenwald High School approximately 0.7 miles away, Jinks Middle School approximately 1.3 miles away, and Bay High School approximately 1.5 miles away.
Welcome to 203 S Claire Drive — a beautifully maintained property offering comfort, functionality, and timeless appeal. This home features a well-designed floor plan with spacious living areas, abundant natural light. The kitchen offers ample cabinetry and workspace, opening to the main living area to create a warm, inviting atmosphere. Step outside to enjoy a private backyard space perfect for relaxing, gardening, or hosting gatherings. Exterior workshop/shed. Whether you're a first-time buyer, growing family, or investor, this property presents an excellent opportunity in a desirable location.
Enjoy the best of coastal living in this beautifully maintained ground-floor condo at Landmark on St. Andrews Bay. This 2-bedroom, 1-bath residence features a bright, open floor plan that effortlessly blends comfort and style, making it perfect for both everyday living and entertaining. Unit W101 offers a serene courtyard-facing location and a light-filled interior where the living space flows seamlessly into the dining and kitchen areas. The thoughtfully designed kitchen is well equipped, and the unit includes its own washer and dryer for added convenience, while luxury vinyl plank flooring enhances the home's modern appeal and durability. The primary bedroom offers a spacious walk-in closet providing excellent storage, while an additional exterior storage closet just outside the kitchen door provides even more functionality Residents enjoy stunning bay views along with an exceptional selection of resort-style amenities, including a private beach, two swimming pools, fitness center, marina, clubhouse, community dock with rental boat slips, grilling areas, scenic walkways, and expansive green spaces overlooking the bay. HOA dues include water, trash, cable, and WiFi. Located within walking distance of historic St. Andrews, this condo offers easy access to the bayfront marina, local shops, and popular dining spots. Downtown Panama City is just a short drive away, featuring an exciting mix of restaurants, shopping, and recreational activities. Ideal as a primary residence, weekend escape, or investment property, this home truly captures the Florida coastal lifestyle.
Well-maintained 2012 double-wide manufactured home offering 1,377 sq. ft. of living space, situated on a desirable corner lot. The roof is approximately 7 years old. HVAC system and hot water tank are original. No known electrical or plumbing issues. Interior features carpet and linoleum flooring throughout. The kitchen and both bathrooms are currently being remodeled, offering great potential for customization and added value
Welcome home savvy investors, first-time home buyers, or a family looking to downsize. This New Construction home will be perfect for you. This home has been designed to maximize living space. A contemporary design, using LVP flooring throughout. This 3 bedroom 2 bath allows for a new start with this location being close to shopping, as well as downtown Harrison Ave night life and restaurants. A full Samsung appliance package brings great quality from the start. This gorgeous kitchen offers Quartz countertops, island for prep, single-bowl basin sink, soft close drawers, and fantastic lighting. Perfect for entertaining. The lot is privacy fenced in with a large double gate for toy access. Recessed lighting follows you throughout the home. The primary bedroom boasts a walk-in closet, as well as a very nice double vanity in the primary bathroom. This home has charm for days and is priced right to sell. Enjoy the new construction added benefits of efficiency and being cost effective. Contact your favorite realtor today for a showing.
Finish the Remodel and Add the Final Touches! This 2-bedroom concrete block home is well on its way to completion, with many major updates already done. Recent improvements include new windows, new LVP flooring, new cabinetry, butcher block countertops, and new stainless steel appliances. The bathroom features a tiled shower, and the exterior has been freshly painted, giving the home a clean, updated look. With most of the work already completed, this property offers an excellent opportunity for a quick flip or a strong rental investment. Conveniently located near schools, downtown Panama City, and public boat ramps.
The charming and efficiently designed 2-bedroom, 1 spacious bathroom home offering 660 square feet of comfort, care, and intentional upgrades. This property proves that great things truly come in well-designed packages. The property is ideal for a first-time buyer, downsizer, or investor, this home delivers style, security, and substance in a compact, well-maintained package. The seller has invested more than $20,000 in improvements, creating a home that feels fresh, secure, and ready for its next owner. Inside, you'll find new flooring and freshly painted walls, giving the home a clean, modern appearance from the moment you step inside. A brand new oval glass front door makes a striking first impression, complemented by new storm doors at both the front and side entrances, adding durability and peace of mind. Highlights include a in home laundry room for your convenience. Major systems have already been addressed. The roof and HVAC system were both replaced shortly after Hurricane Michael, and a new water heater was installed just three years ago, offering confidence in the home's mechanical integrity. Outside, the upgrades continue with attention to both function and character. The property features a newly installed sprinkler system, a new storage shed, and a covered shaded sitting area. A truly unique highlight is the handcrafted driveway, carefully made by hand using rocks and bricks, adding custom curb appeal and timeless charm. For added safety and peace of mind, after-dark motion-activated lighting has been installed at both the front and side door entranceways. The vinyl siding was recently installed and is currently financed with a manageable monthly payment in place, allowing the next owner to immediately enjoy the exterior upgrade without the upfront cost. Convenient to nearby shopping, dining, schools, parks, medical facilities, and everyday necessities, this home also offers easy access to Panama City beaches and major roadways. Sellers offer a generous one year home warranty to the buyer for a greater peace of mind. Schedule your private showing today and experience the value firsthand. Buyer to verify all measurements if important
$40,000 HOA CREDIT FROM SELLER AT CLOSING WITH ACCEPTABLE OFFER! Welcome to a rare and architecturally intriguing residence perched on the edge of St. Andrews Bay—a double-unit offering the kind of space, light, and views you simply don't find in condominium living. Positioned high above the water in the coveted Cove Condominiums, Units 604 and 605 have been seamlessly combined to create a 2,701-square-foot midcentury-inspired haven—graced with sweeping vistas of Shell Island, shimmering sailboats gliding by, and the quiet elegance of waterfront life just minutes from Panama City's revitalized Historic Downtown. From the moment you enter, it's clear this is no ordinary condo. Wrapped in natural light and framed by full-height sliding doors, the residence opens to two expansive balconies—each commanding front-row views of the bay. One balcony has just been updated with a new surface finish; the other remains in pristine condition. Automated hurricane shutters and remote-controlled sunshades provide effortless protection and privacy while preserving the serene panorama. Inside, this thoughtfully curated home boasts refreshed parquet flooring, all-new designer lighting throughout, and a fresh coat of paint that highlights the crisp, clean lines of its original design. The kitchen is both beautifully updated and functionally exceptional, featuring a Wolf cooktop, top-of-the-line Maytag oven, and built-in Jenn-Air microwave—a rare combination of performance and sophistication that elevates the culinary experience. Additionally, three full bathrooms—each attached to a private bedroom suite—deliver comfort and privacy for family or guests. The owner's suite is a true sanctuary, featuring private balcony access, panoramic water views, and a pair of walk-in closets—his and hers—each appointed with custom built-ins for effortless organization and elevated living. A secondary bedroom also enjoys direct balcony access, while the third suite offers quiet separation and its own en-suite bath, making it perfect for guests or multigenerational living. One of the most compelling spaces is the bay-facing office, adorned with wall-to-wall built-in bookshelves and balcony access—a statement-making space equally suited for productivity or quiet reflection. Dual HVAC systems have been recently replaced, ensuring the residence remains energy efficient and climate controlled year-round. Two private storage units are included, along with two parking spaces just steps from the elevator—a rarity in most communities of this scale. The Cove Condominium lifestyle is equally refined, offering residents access to a waterfront pool, a generous community clubhouse, and a dock for fishing or tying up your boat after a leisurely sail on the bay. Just beyond the gates, you're walking distance from the restaurants, boutiques, and galleries of Historic Downtown Panama City—where the charm of the past meets the energy of the present. Unit 604/605 at 100 Cherry Street is a truly unique opportunity to own one of the largest and most beautifully appointed waterfront homes in the area, marrying timeless design with everyday livability in an unbeatable location.
Seller offering up to $8,500 toward buyer's closing costs, with terms acceptable to seller. Welcome to this brand‑new, thoughtfully designed single‑family home in the heart of Panama City. This modern residence offers a perfect blend of comfort, efficiency, and charm—featuring a beautifully crafted exterior with clean lines, board‑and‑batten siding, and a welcoming covered front porch that sets the tone for relaxed Florida living. The home sits on an extended deep lot providing ample outdoor space for gardening, pets, or future additions. Step inside to an open‑concept layout that maximizes natural light and functionality. The spacious living area flows seamlessly into the dining space and contemporary kitchen, equipped with modern solid wood cabinetry, generous quartz counter space, and a practical layout ideal for everyday living and entertaining. This home includes multiple bedrooms and well‑planned bathrooms, offering privacy and comfort for family members or guests. A dedicated laundry area and smart interior layout ensure every inch of space is optimized. The attached garage with private driveway adds convenience and storage options, while the deep lot provides room for outdoor recreation with an amazing porch a future pool, or additional landscaping. With its clean architectural style, efficient footprint, and fresh new construction, this home is an exceptional opportunity for buyers seeking affordability, quality, and modern living in a growing Panama City neighborhood. Estimate completion 03/31/2026. Come and select some finishes while you can.
Duplex for Sale - Cash Buyers Only. More Pictures coming soon. Calling ALL Investors!!!! One side is vacant, featuring a 2-bedroom, 1-bath layout with living room and kitchen, and is ready for a little TLC and your personal touches. The other side is tenant-occupied with a wonderful long-term tenant in place, providing immediate income. Situated on a very large lot with multiple future opportunities for expansion or redevelopment. Prime location just minutes from the marina and downtown.
OPEN HOUSE THIS SUDAY 1:00 - 3:00 $10,000 seller credit at closing! This one is a MUST SEE. Tons of updates, meticulously maintained and full of character. With 4 spacious bedrooms, 2 bathrooms and a fenced back yard offer plenty of space to settle in. Modern comforts meets the timeless charm of a classic Cove home. Located in one of the most established neighborhoods in Panama City. Step inside to an inviting and open floor plan, thoughtfully designed to maximize space and light. The spacious primary suite offers a peaceful retreat with a large walk-in closet and a spa-inspired ensuite bathroom. Three additional bedrooms provide flexibility for family, guests, or a home office. Enjoy year-round outdoor living with beautifully landscaped grounds and ample yard space--perfect for entertaining or relaxing in a serene setting. Major upgrades include the roof and A/C (2020), fully updated electrical and plumbing, and new flooring throughout. In 2023, the subfloor was replaced with durable metal beams backed by a lifetime warranty, adding long-term structural peace of mind. The crawlspace is equipped with a permanent dehumidifier and moisture barrier for added energy efficiency. Additional highlights include a brand new LG washer, dryer, and stainless steel appliances, making this home truly move-in ready. Modern finishes, clean lines, and a warm, welcoming ambiance make this home ideal for quiet evenings or hosting guests. Conveniently located near top-rated schools, shopping, dining, and entertainment, this stunning bungalow offers the perfect blend of comfort, style, and location.
This versatile home features 2 bedrooms plus an attached mother-in-law suite, offering 3 bedrooms, 3 bathrooms & flexible living options for extended family, guests, or rental potential. The property provides ample space for camper or RV parking, making it ideal for those who need extra room for recreational vehicles or additional parking. Conveniently located on N Cove Blvd with easy access to Highway 77, shopping, and everyday amenities, this home combines functionality, space, and accessibility in a central Panama City location.
Updated, move in ready, and located in the pinnacle of Panama City, The Cove, this 4 bedroom, 2 bathroom home delivers the lifestyle today's buyers are chasing. Set on a spacious lot with irrigation and freshly sodded landscaping, the home has been fully updated with new electrical and plumbing, tile in the bathrooms, and new fixtures throughout. The kitchen features brand new white cabinetry, stone countertops, stainless steel appliances, and a refrigerator with water filtration and icemaker. Both the kitchen and bathrooms have been completely remodeled with a clean, modern finish. Enjoy golf cart friendly living with easy access throughout The Cove and into Downtown Panama City, including the marina, public boat ramp, waterfront dining, and year round local events. This prime location offers the perfect blend of neighborhood charm and coastal convenience. Special buyer financing options may be available for qualified purchasers, including programs with down payment assistance. Contact your agent today for additional details and to schedule a private showing.
Great home for a first time home owner. Conveniently located to shopping, dining, schools, and Tyndall Airforce Base. Room to grow with 4 bedrooms. Kitchen and bathroom have been remodeled. New flooring in most of the house. Living room with a fireplace. All appliances are included. Covered back patio, firepit and a good size fenced backyard. Seller request 24 hour notice for showings,
**Motivated seller ** Welcome to this beautifully renovated 3-bedroom, 2-bath solid cinder block home that blends timeless Florida charm with modern updates and true peace of mind. With a new water heater, and new appliances that convey, this home offers the kind of move-in ready confidence today's buyers are looking for. Step inside to a bright, open layout filled with natural light and fresh finishes throughout. The clean, functional floor plan makes everyday living easy, whether you're hosting friends, enjoying a quiet evening at home, or simply appreciating a space where everything has already been done for you. The classic Florida ranch design provides durability, low maintenance, and long-term value ideal for first-time buyers, investors, or anyone looking to simplify without sacrificing comfort. Conveniently located near shopping, dining, parks, and everyday essentials, with Tyndall Air Force Base just minutes away, this home offers both accessibility and opportunity. If you're looking for a property that combines updates, location, and value without the renovation headaches this is one you don't want to miss. Cash or conventional financing welcome.
The data relating to real estate for sale on this website comes in part from a cooperative data exchange program of the MLS of the Navarre Area Board of Realtors. Real estate listings held by brokerage firms other than Xome Inc. are marked with the listings broker's name and detailed information about such listings includes the name of the listing brokers. Data provided is deemed reliable but not guaranteed. Copyright 2026 Navarre Area Board of Realtors MLS. All rights reserved.
IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Copyright 2026 Central Panhandle Association of Realtors® Multiple Listing Service, Inc. – All Rights Reserved.
Panama City is located in Florida. Panama City, Florida 32401has a population of 34,521. Panama City 32401 is less family-centric than the surrounding county with 25.35% of the households containing married families with children. The county average for households married with children is 27.71%.
The median household income in Panama City, Florida 32401 is $51,569. The median household income for the surrounding county is $60,473 compared to the national median of $69,021. The median age of people living in Panama City 32401 is 39.2 years.
The average high temperature in July is 90 degrees, with an average low temperature in January of 42 degrees. The average rainfall is approximately 59.8 inches per year, with 0 inches of snow per year.
