Rare opportunity in the COVE, Panama City, FL! Two-dwelling properties like this are extremely hard to find! This unique income-producing property features three separate structures, two dwelling units, separate utilities, and brand-new roofs on all buildings, making it an ideal option for investors, house hackers, multi-generational living, or short-term/long-term rental strategies. This home is only 0.5 miles from Harrison Avenue and downtown Panama City, an area that blends historic charm with modern energy. Situated on the shores of St. Andrews Bay, downtown has experienced a resurgence in recent years, with new shops, restaurants, breweries, galleries, and community events revitalizing its historic core. The front home is vacant and fully remodeled (2023) and offers 2 bedrooms, 1 bathroom, and 859 sq. ft. of living space. Updates include a new A/C (2025, under warranty), impact skylight, new appliances, washer & dryer, new plumbing, new flooring, new blinds, and a fully fenced private yard with off-street parking and storage. Previous rent: $1,900/mo. Unit B features 1 bedroom, 1 bathroom, and 470 sq. ft., with a new split A/C (2026), covered patio, private fenced yard, and separate driveway with private alley access! Perfect for rental income, guest suite, or entertainment space. Rented: $900/mo. Each unit has separate electric and water meters, allowing for a true income-producing operation that offers privacy for each unit and simplified property management. A third structure provides dedicated laundry for Unit B and additional storage for both homes, increasing functionality and tenant appeal. Located in the highly desirable Cove area of Panama City, this property offers charm, convenience, and long-term value just minutes from downtown shopping, dining, schools, and the water. This is a unique investment opportunity in one of the city's most established neighborhoods! Measurements are to be verified by Buyer.
Spacious all-brick, three bedroom, two and a half bath home just minutes from downtown Panama City. The home has a 2019 roof and a 2016 HVAC The home also has a large living room/dining room combination in addition to a family room. The master bedroom has double closets and the master bath is tiled with double vanities. There is a single car garage and large storage area with a half bath off of the garage and a large driveway for extra parking. The home needs some work after being a rental for some time so bring your vision for this spacious home on a large lot.
Perfect first home or investment property. The home is in excellent construction condition just needs the new buyers personal touch to make the property SHINE. Excellent location with nice surrounding homes and a nice large lot in St Andrews. Newer A/C and roof and Electric has all been upgraded. 3 bedrooms and 2 full baths with extra room for office or additional kids' bedroom. The property has two sheds outside, a covered patio outback that would make for a perfect outdoor kitchen! There's an area perfect for lounging around and entertaining friends or family! This property is priced right and won't last long. Way less expensive than renting in today's market! There is an adjoining lot that can be purchased to make for a bigger parcel or to build a new home. The home could use updated windows as they current windows are original. The home has the original Hardwood floors throughout parts of the home. The lot also has an Easement area between this home and the one that adjoins it to the north.
Welcome to your ''Like new'' home, Seller is offering up to 3% ($8550) Seller Concessions of sale price. * rate subject to change without notice ASK US ABOUT Affordable Housing loan - oers 100% financing with no MI for a sales price up to $350,000. Perfectly situated on a spacious corner lot! This beautifully designed 3-bedroom, 2-bathroom residence offers 1,349 square feet of comfortable living space with thoughtful upgrades throughout. Highlights Include: Durable Hardi Board siding Stylish LVP flooring throughout Elegant granite countertops Designer subway tile shower in the master suite Spacious walk-in closet and large pantry Energy-saving spray foam roof insulation Low-E windows and glazing for improved efficiency Long-lasting Galvalume metal roofing Step inside to find 9-foot ceilings, luxury vinyl plank flooring, and gorgeous granite countertops that elevate the home's modern style. The open-concept layout makes entertaining easy, while natural light enhances every room. Built for both style and durability, the exterior features Hardie Board siding and a metal roof, delivering a sleek, low-maintenance finish that will last for years to come. Located just a short drive from Mexico Beach, Panama City Beach, and Tyndall Air Force Base (TAFB), you'll love the convenience of nearby shopping, dining, and coastal recreation. Whether you're settling down or looking for a low-maintenance investment, this home combines quality construction with everyday comfort in an convenient location. 301 Detroit Ave is also listed for sale and vacant for $284,900.
Welcome home! This inviting new construction 3-bedroom, 2-bathroom home is truly move-in ready and waiting for its new owner. Located just a 15-minute drive from Tyndall Air Force Base, it offers the perfect balance of comfort, quality, and convenience. This beautiful Craftsman-style home showcases raised ceilings, durable vinyl plank flooring, and well-placed recessed lighting throughout, creating a bright and welcoming atmosphere. The primary suite features abundant natural light, a spacious walk-in closet, and a luxurious tiled shower designed for relaxation. Enjoy added privacy with fencing on both sides of the home, along with the long-lasting quality of a metal roof and Hardie board siding—details that speak to the craftsmanship of this build. Ideally situated near work and recreation, St. Andrews State Park is just a 30-minute drive away with its legendary white sand beaches. While Mexico Beach, currently undergoing an exciting rebuild, is only 26 minutes away. This home is easy to show and ready to impress. 1 year warranty included with acceptable offer. Contact your favorite agent today to schedule your private showing!
Absolutely Charming condo unit located in the heart of the Historic Saint Andrews. Saint Andrews Harbour is a small cozy & vintage complex fitting right in with the atmosphere of Saint Andrews lifestyle. Great location to the quaint shops, restaurants, Bay & Marina. There are so many other great attributes to this complex such as the low association fees, community pool, grills & clubhouse and of course the location! This two bedroom condo is the perfect place for a get-a-way or full time residence. Come and check out the condo and the St Andrews area you will fall in love!
You truly need to tour this home to see all that has been completed to make this such a beautiful home. It is going to be difficult to truly explain the depth of the complete rebuild that has been completed on this absolutely gorgeous home {Check out the pictures}. The list is so extensive that the home has been fully documented with a new effective build date in 2019. This home so much detailed finish work and extra special touch that you can only appreciate upon viewing! Each and every room displays beautiful trim, doors, floors, cabinets that spare no detail. The home has 2 Master suites and two beautiful master baths to match. The large kitchen is defined with granite counters and top of the line stainless appliances and unique fixtures throughout the entire house to match the unique character of the home. A breakfast dining area of the kitchen is perfect for the morning hustle. A separate large formal dining area with all the room for the family or a group of friends. The living room is comfortable and cozy with a brick fireplace for the peaceful relaxing evenings. A Nautical flavor accents the entire home with special little extra touches throughout. The entire attic system is foam insulated and has standup storage area room that runs almost the entire length of the home. The home has a newly installed solar paneled system that is PAID IN FULL and operational. The list of specific improvement documents is filed in the document pull down menu of the listing. THERE IS NO POOL however the large lot makes for the perfect spot to handle a massive pool! Along with an existing large concrete pad to create the perfect outdoor Kitchen and entertaining gathering area. Come see this beautiful property to truly appreciate all that it has to offer. The sellers have even built a new Pole barn- shed. The home is in the CRA program which allows for short term rentals and your only minutes from all the new shops restaurants and the Downtown Marina.
NO HOA FEES, Affordable 2 bed , 1.5 bath End Unit with fenced back yard. The first floor offers Livingroom/dining area and half bath, kitchen with breakfast bar. Sliding doors off the dining area access the covered back porch, laundry room and fenced back yard. 2nd floor you have 2 nice size bedrooms and full bath. Call today to schedule an appointment for showing. Unit next door also available MLS 780830
Spectacular Views from this 3 Bed/3Bath Bayfront unit in Harbour Village! A one of a kind gated community in the heart of Historic St. Andrews. Condo boasts 11ft ceilings and breathtaking views of St. Andrews Bay, Shell Island, and the Intracoastal Waterway from the master suite, living area, dining room, and kitchen. The open layout features double front door, a gourmet kitchen with sleek stainless steel appliances, granite countertops, a spacious breakfast bar, and ample cabinetry, luxury vinyl plank (LVP) flooring, sliding glass doors from Living room & Master to the spacious Balcony. The Master Bathroom features a double vanity, a soaking garden tub, a tiled walk-in shower, and a generous walk-in closet. The second bedroom has a private bath. Elegant crown molding adorns the entire unit and modern lighting fixtures enhance the entire unit. Condo owner has 2 boat slips (1 with 16,000lb lift) and 2 climate controlled storage units, included in the sale. Harbour Village offers an array of premium amenities, including a heated waterfront pool with bay views, a state-of-the-art fitness center, a grand clubhouse, a private community park (dogs allowed) with a garden, a covered parking garage, an outdoor fireplace with a cozy seating area, a grilling gazebo with access to Oaks by the Bay Park. Just steps away, Historic St. Andrews beckons with its active marina (currently being upgraded), restaurants, scenic waterfront parks, and unique boutique shops. Seize this rare opportunity to own a slice of coastal elegance and modern sophistication in one of Bay County's most coveted communities. Schedule your private tour today! All info taken from appraiser and sizes approx., Buyer to verify all info.
New construction just blocks from downtown Panama City with modern design, durable materials, and income potential. This two story home offers 3 bedrooms, 2.5 bathrooms, 1,582 square feet, and a 1 car garage. All bedrooms are located upstairs, creating a clear separation between living and private space. The main level features White Oak luxury vinyl plank flooring and matching White Oak stair rail accents. The kitchen is designed to stand out with quartz countertops, custom cabinetry, brushed gold hardware, stainless steel appliances, designer lighting, and a walk in pantry. Upstairs, the primary suite includes a tray ceiling, double vanity, walk in shower, and a spacious layout. Bathrooms feature tile flooring and upgraded finishes throughout. Additional features include a functional mudroom off the garage, large under stair storage, 2x6 exterior wall construction, and added insulation between floors for sound reduction. Irrigation system already installed. Situated on a deep 33 x 150 lot with alley access and zoned MU-3, offering potential for an accessory dwelling unit. Ideal for rental income, house hacking, guest space, or long term flexibility. Buyer to verify zoning and ADU requirements. Located near downtown Panama City restaurants, marina access, and local events, with a short drive to Tyndall Air Force Base and Panama City Beach. Up to $5,500 lender credit available for qualified buyers. Schedule your showing today.
SHORT TERM RENTALS ALLOWED!! Waterfront living at an amazing price. This 2nd floor condo offers breathtaking views of the bay, with direct access to the gulf. Spend your days boating or relaxing in the pool, treat yourself to delicious meals at the new restaurant coming soon and enjoy the serenity of the water view and the beauty of the sunset every evening from your balcony. This unit has a new GE convection oven with built in air fryer, new AC unit and updated flooring. The HOA fees include water, sewer, garbage, pest control, pool and cable. A brand new marina was recently constructed with boat slips available for rent. Offering convenience right at your doorstep. This location offers easy access to Panama City Beach and only 30 minutes to the ECP airport. Don't miss out on this incredible opportunity to own a piece of paradise! Sizes are approximate, buyer to verify all info.
Interior Fully Renovated Old Orchard Gem - Near Watson Bayou! This nicely renovated 3-bedroom, 1-bath home offers 1,100 square feet of move-in-ready comfort in the desirable Old Orchard area. Completely gutted and brought back from the studs out after Hurricane Michael, the interior feels fresh and modern throughout. Enjoy peace of mind with a brand-new air conditioner installed in 2025, New Roof and New Carport just completed. Inside, you'll find vinyl plank flooring throughout the main living areas with carpeted bedrooms for added comfort. The kitchen comes fully equipped with all appliances conveying, including a smooth-top stove, French door refrigerator, and washer and dryer. Located just one block off Watson Bayou, you're minutes from boating access that leads to the bay, Shell Island, and the Gulf--ideal for water lovers and outdoor enthusiasts. This home is a fantastic opportunity for first-time buyers, investors, or anyone looking to enjoy affordable living close to the water. Brand New Roof, New Carport and Storage room on the side of the home has been redone. Everything is finished and just waiting on a new owner.
2-bedroom, 2-bath residence featuring new flooring and brand-new appliances throughout. This property offers access to exceptional community amenities, including a large swimming pool, covered pavilion, and a clubhouse complete with kitchen and restrooms—ideal for gatherings and events. Enjoy waterfront living with a fishing and boat mooring dock equipped with electric and water service, plus a convenient fish cleaning station. Boat tie-up is permitted for up to 48 hours. A fantastic opportunity for comfortable living with resort-style amenities.
Wake up to sweeping bay views in this beautifully updated 2-bedroom, 2-bath condominium at Harbour Village, perfectly positioned on St. Andrew Bay in the heart of historic St. Andrews. Offering 1,252 square feet of thoughtfully designed living space, this fourth-floor residence combines timeless character with modern upgrades, abundant storage, and an unbeatable location. The open-concept floor plan flows seamlessly from the kitchen into the living area, ideal for everyday living and entertaining. The kitchen has been tastefully refreshed with new appliances, newly painted cabinetry, granite countertops, tile backsplash, a new sink, and an instant hot water tap. Original warm hardwood floors add charm throughout, while recent interior paint provides a clean, move-in-ready feel. The living room is filled with natural light and stunning water views, featuring large windows with automatic blinds and direct access to the spacious balcony. Enjoy bay breezes year-round from the resurfaced balcony, complete with a retractable screen. The primary suite is a true retreat with beautiful bay views, built-in shelving and cabinetry, and a well-appointed bath featuring a large walk-in shower, updated double vanity with raised counters, a water closet, a walk-in closet, and an additional oversized storage closet. The second bedroom and bath provide comfortable accommodations for guests or a home office. Additional upgrades include a new washer and dryer, plus a dehumidifier integrated into the HVAC system for added comfort. This unit includes two parking spaces, with elevator access from the garage conveniently located near the residence. The fourth-floor elevation offers lovely views overlooking the park above the parking garage. Harbour Village is a gated community that does not allow short-term rentals, fostering a quiet, established atmosphere. Amenities include a large community room, a bayfront pool, and a fitness center. Located within walking distance to the St. Andrews Marina, waterfront parks, local shops, restaurants, and a weekend farmers market, this home places you in the center of one of Panama City's most vibrant and revitalized areas. Just a short drive away are the world-famous white-sand beaches, beachside venues, and downtown Panama City. Come experience bayfront living and become part of this welcoming, well-established community at Harbour Village.
Beautiful BRAND NEW construction home in Panama City. This 3 bedroom, 2 bath, open flood plan home will be ready around March-April 2026. The home features an open floor plan, LVP flooring throughout, quartz countertops, and stainless steel appliances. Home will also be equipped wit generator connection and prewired for EV charger or RV plug. Home is currently under construction, please do not walk onto job site.
This 3 bedroom, 2 bath house features new appliances, updated countertops, a large open flex space, and newer metal roof. New HVAC to be installed. This home sits on .625 acres near Rutherford High School.
Courtesy: Beach Realty of Florida
305-305-8989
*** Huge, and elegant white 5 bedrooms/ 2 baths concrete corner house *** One of the biggest houses in THE COVE neighborhood. Centrally located within walking distance to Cherry, Jinks, and Bay Schools, and short drive to the beach, St. Andres Bay, downtown and the Tyndall Air Force Base! *** Over $200K in upgrades! Completely renovated with modern finishes, new flooring, freshly painted, recessed lighting trough out, stainless steel appliances, metal roof, landscaped, and much more! 2,328 Sq ft. 1 Car garage + 6 Parking spaces, and great patio area for kids' playground, BBQ, pets, you can even install an above ground pool for this summer! *** RENTED until May 31st, 2026 for $2,300 monthly *** Call now, it won't last *
Back on market at no fault of the sellers! This beautifully updated mobile home offers the look and feel of a much newer model at a fraction of the cost. The home has been thoughtfully refreshed throughout and is completely move-in ready. Recent improvements include an updated kitchen, refreshed flooring throughout, renovated bathrooms, new sod, updated stairs, and a newly built deck. The home also features a newer metal roof, and the HVAC system has been recently serviced for added comfort and reliability. With modern finishes, a clean and well-maintained interior, and no major projects left to tackle, this property presents a great opportunity to own a turnkey home without the expense of new construction. Recently appraised for 155k , with zero fha conditions.
OPEN SUNDAY March 29th 2-4:00PM CRAFTSMAN STYLE COVE HOME that features a WATER VIEW and easy access to all the downtown PANAMA CITY FUN! You'll love all the benefits of this newer construction : LOW UTILITIES and MAINTENANCE COSTS, LOW INSURANCE PREMIUMS and NO RENOVATIONS NEEDED!! The interior boasts a spacious and open floor plan with loads of natural light. An upgraded kitchen has stainless appliances, bright white QUARTZ COUNTER TOPS,SLEEK RANGE HOOD and a HUGE ISLAND, and is opened to the spacious GREAT ROOM, Upstairs includes 3 large bedrooms and access to a FABULOUS COVERED DECK with a charming WATER VIEW. It's the perfect entertaining spot, made even better by a BEAUTIFUL WET BAR including a wine fridge, sink and QUARTZ COUNTERS. The stylish master suite also has a private door to the deck and enjoys a view of the Bayou. The MASTER BATH is a show stopper with upscale Black Tile in an over sized glass shower. It's like your own private spa! The exterior has HARDIE BOARD SIDING, a sprinkler system and nice landscaping. It also features a front entry garage (EV Charger and custom storage included ), convenient side access with a 2nd driveway and NEW STORAGE BUILDING for all your extra stuff! Don't miss this opportunity for a Cove Home that doesn't need upgrading. Perfect for buyers who'd rather enjoy their time exploring the downtown amenities and events!
Overlooking a peaceful courtyard, this inviting Ground Floor One bedroom condo offers the perfect blend of comfort and convenience. The residence features easy downstairs access and a serene setting within the desirable Landmark Condominiums waterfront community. Enjoy the unbeatable location—just a short walk to Historic St. Andrews. Whether you're looking for a relaxing retreat or a smart addition to your portfolio, this condo offers exceptional value in one of the area's most sought-after neighborhoods.
3-bed 1-bath home located in St. Andrews on a large, 1/4 acre fenced lot. Inside, the home offers a large family room and an additional Florida room with laundry area, providing extra usable space and storage. A wraparound deck extends along the side and back of the home, overlooking the backyard and offering outdoor space for everyday use. home needs updates and repairs and is being sold as
This duplex presents a great investment opportunity with its dual-dwelling layout and desirable location. Each side offers 3 bedrooms, 1 full bath, and 1 half bath. It features an open living space flowing directly into the kitchen with updated countertops and ample storage. Its spacious design provides both privacy and versatility for each unit. Built in 2008 and fully remodeled in 2019—including roof, siding, HVAC systems, and more—this duplex is turnkey and ideal for investors. Unit A is currently leased for $1,695/month and Unit B is move-in ready for a new tenant or perfect for an owner-occupant looking to live on one side while generating income on the other. Both units have private driveways as well as a patio space and back yard. Come check it out today!
Conveniently located near HISTORIC ST. ANDREWS DISTRICT, this charming Mid-Century RANCH blends timeless character with Modern UPDATES in a versatile coastal setting. Thoughtfully renovated, the home features custom woodwork, updated interior and exterior paint, updated windows, and a spacious carport offering both style and practicality. Inside, you'll find a comfortable living area, an efficient kitchen, and a beautifully renovated bathroom, all designed with a functional and inviting layout. Step outside to a large, PRIVATE BACKYARD with plenty of room for entertaining, gardening, or future enhancements. With NO HOA, enjoy the freedom and flexibility to use the property as you choose. Just minutes from waterfront parks, local dining, boat ramps, and the vibrant St. Andrews area, this home delivers an easy coastal lifestyle. Whether you're looking for a primary residence, second home, or investment opportunity, this is a Desirable and Versatile Coastal Location you won't want to miss. Photos may include digital enhancements, editing, or virtual staging.
A beautiful 2 bedroom & 2 bathroom condo at the perfect location in the highly sought after Cove Neighborhood. This unit is on the second floor which is also the top floor, meaning you don't need to worry about loud neighbors above you. Stairs only, no elevator. The living room is large with a spacious balcony. The master bedroom has an ensuite bathroom as well as the stackable laundry. The second bedroom is also well sized right next to the guest bathroom. Enjoy the private pool overlooking the bay, the beach for relaxing bay breeze sunsets or fishing on the Bay. All of this and you're a short walk from Downtown Panama City where there are restaurants, events, and farmers market. HOA fees cover all utilities except power and also includes insurance on the building and exterior repairs.
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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.
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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.
