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!
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.
Step inside this 3-bedroom block home in the heart of Panama City, just minutes from downtown conveniences. Designed for comfort and everyday ease, the home offers luxury vinyl plank flooring, a gas range for the home chef, and two separate living areas perfect for relaxing, entertaining, or creating a dedicated workspace. A standout feature is the wood-burning fireplace, framed by eye-catching brickwork that adds warmth and character to the home. Outside, the spacious backyard includes two 12x20 storage sheds, giving you room for tools, hobbies, or extra belongings.
Conveniently located just 10 miles from Tyndall Air Force Base and 15 miles from the beach, this spacious 5-bedroom, 3-bathroom home offers comfort, efficiency, and flexibility. Highlights include a private pool with a brand-new 2025 liner and motor, a durable 2019 metal roof, and PAID-OFF solar panels keeping the average electric bill around $30 per month. The main level features 3 bedrooms and 2 bathrooms. The upper level offers 2 bedrooms, 1 bathroom, a fully equipped kitchen, a living room, private outdoor access, and a wooden deck. Situated on a .4-acre lot with rear access, the property includes an RV HOOKUP, RV/carport, shed, and a carport/storage pavilion. A concrete slab provides additional potential for a shed, basketball court, or other uses, offering ample space and versatility for a variety of needs.
Spacious lot with ample room to enjoy outdoor living. This well-maintained 3-bedroom, 2-bath home features a custom-built back deck and a durable metal roof. Inside, you'll find a generously sized kitchen with abundant countertop space, along with comfortable living and dining areas ideal for everyday living or entertaining. The home includes washer and dryer hookups for added convenience. A privacy fence surrounds the backyard, providing a secure and quiet space to relax, entertain, or store recreational vehicles such as boats and RVs. This property is an excellent opportunity for first-time buyers, those looking to downsize, or investors seeking a reliable rental.
Fully Renovated & Furnished Coastal Escape with Bayou Views - Prime Central Panama City Location Welcome to 716 Florida Avenue—your beautifully remodeled coastal retreat with scenic Johnson Bayou views, set on a spacious double corner lot and positioned in one of the most convenient, high-demand pockets of Panama City. This 4-bed, 2-bath home is move-in ready, and minutes from the best local favorites. Inside, an open, sun-filled living room flows directly into a stunning designer kitchen featuring navy cabinetry with gold hardware, quartz countertops, stainless steel appliances, and a statement backsplash. Three guest bedrooms and a sleek, fully updated bath—with a large walk-in tile shower—anchor one side of the home. The opposite wing hosts a true primary retreat. Vaulted ceilings, a private balcony, and glass sliders frame peaceful bayou views, while a turquoise tile accent wall leads into a beautifully finished en suite with matching walk-in shower and double vanity. A nearby laundry room and single-car garage/workshop add everyday function. Step outside to a spacious backyard with a 12' x 20' storage shed and an RV hookup with temporary power pole. Behind the home lies an old, unused city street that's completely full of foliage—giving the property rare privacy and the feel of a tucked-away waterfront sanctuary. Prime Location Near Panama City's Most Loved Spots: Can be a Short Term Rental ½ mile to Downtown Panama City - walk or bike to restaurants, boutiques, coffee shops, live music, and festivals. 2 miles to Historic St. Andrews - home to Oaks by the Bay Park, the marina, farmers markets, historic charm, and some of the best local dining in Bay County. Walk Minutes to Beach Drive - enjoy scenic bayfront trails, playgrounds, fishing spots, and waterfront parks. 5 miles to Panama City Beach Access (near St Andrews State Park)down the road to the Gulf's famous sugar-white sand. Major Renovations & Upgrades Include: • All new windows, doors, hardware, and tile flooring throughout • Complete kitchen and bath remodels • New electric service & panel • New HVAC & ductwork in the main home + two new mini-splits in additions • Hurricane strapping and all additions brought to hurricane code (blueprints available) • New TPO flat roofs • Updated landscaping and privacy-enhancing rear green space Beautifully renovated, and conveniently located near everything locals and visitors love especially the sunsets—this home delivers coastal charm, modern upgrades, and unbeatable proximity... a rare find with a location that truly checks every box.
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.
RECENTLY REMODELED with a modern industrial design, this stylish condo is in a prime location in the heart of Panama City - The Cove. Located directly across the street from St. Andrews Bay, this first floor unit features updated finishes throughout, including exposed ductwork, concrete -style accents, stainless steel appliances, quartz countertops and custom cabinetry. There is also a small fenced in yard and doggy door, which is also removable, for your furry friends. The open-concept floor plan is ideal for comfortable living and entertaining. Residents enjoy access to a large waterfront community pool and private dock, perfect for waterfront activities like paddleboarding, kayaking or just soaking in the sun. And with downtown Panama City less than a mile away, you can enjoy shopping, great restaurants and live music in minutes. This condo will come partially furnished and move in ready. The A/C was replaced last year and there is an all in one, ventless washer/dryer combo that will stay. Whether you're looking for a full-time residence, vacation home, or income producing property, this condo delivers on every level. Don't miss your change to live by the water in the Cove.
Fully Renovated Waterfront Condo ready to be added to your STR Portfolio.With a boat slip for 1 year with a lift. - Sun Harbor Move-in ready 2nd-floor condo, the only unit fully modernized in Sun Harbor. Features include luxury vinyl flooring, custom solid-wood kitchen with Quartz countertops & new stainless steel appliances, updated bath with herringbone tile, and private deck overlooking the marina. Enjoy sunsets and direct access to Sun Harbor Marina with jet ski & pontoon rentals, excursions, and private cruises. Ready for your fun in the sun, 2nd home and or another STR rental and this condo unit comes with a boat slip and lift for 1 year included.
Sunset Bayfront Retreat: Lovingly Maintained Condo in Gated Harbour Village at Historic St. Andrews. Motivated Seller! Discover peaceful, upscale waterfront living in Harbour Village, an elegant 2006-built, gated mid-rise community of just 116 units perched on the serene shores of St. Andrews Bay. Here, modern luxury meets the timeless nautical heritage of Historic St. Andrews--a charming 19th-century fishing village reborn with marinas, artisan shops on Beck Avenue, and beloved farm-to-table eateries, all steps from your door. No short-term rentals ensure a quiet, residential sanctuary year-round. Unit 202 captures the essence of bayside bliss: a prime west-facing private balcony accessible from both the living room and master suite, framing breathtaking sunset views over the water--perfect for evening unwinding, morning coffee with harbor breezes, or watching dolphins glide by. Thoughtful upgrades and custom decor throughout create a sophisticated, timeless feel that's warm and welcoming--details best experienced in person to truly appreciate the care poured into this home. Resort-style amenities elevate daily life: Heated waterfront pool with panoramic bay vistas for laps or relaxation, State-of-the-art fitness center, Versatile community room for social events and gatherings. Cozy outdoor fireplace for fireside chats under the stars Private marina with deeded boat slips (no slip available with this unit)--launch effortlessly for bay fishing, Shell Island outings, or Intracoastal adventures. Location is unbeatable: stroll to St. Andrews Marina, the shaded boardwalks and ancient oaks of Oaks by the Bay Park (magical during holiday lights), or local favorites like Alice's on Bayview specials, Uncle Ernie's fresh grouper, FINNS island tacos, and the vibrant Saturday farmers' market. Quick access via U.S. 98 to Panama City Beach's powdery sands, downtown culture, or top schools (including nearby Lucille Moore Elementary with its chorus and running clubs).This family-owned gem has been cherished and meticulously cared for--now ready for new owners to create their own memories in this hidden bayside haven where history, community, and harbor magic converge. Motivated for the right buyer to fall in love as we have. Schedule your private tour today--west-facing bay views like this are rare and won't linger long. Come see why Harbour Village feels like coming home.
Investment Opportunity! 2024 Duplex Near Tyndall AFB 314 & 316 Bayou Ave Discover an exceptional income-producing duplex offering the perfect blend of comfort, convenience, and strong rental performance. Each side features 3 bedrooms and 2 bathrooms (total of 2,100 sq ft) providing spacious layouts ideal for families or professionals. Both units currently tenant-occupied at $1650 (total $3300 monthly). This property delivers both functionality and value ensuring immediate cash flow from day one. Investors can request a rent roll and profit & loss statement for a detailed financial overview. Whether you're an investor seeking steady returns or a future homeowner looking for flexibility, this property offers the best of both worlds. All measurements are approximately; verify if important.
Investment Opportunity! 2023 Duplex Near Tyndall AFB - 147 and 149 Claire Ave. Discover an exceptional income-producing duplex, offering the perfect blend of comfort, convenience, and strong rental performance. Each side features 3 bedrooms and 2 bathrooms, providing spacious layouts ideal for families or professionals. Each side is rented at $1650 (total $3300 monthly) With a total of 2,400 sq. ft., this property delivers both functionality and value. Both units are currently tenant-occupied, ensuring immediate cash flow from day one. Investors can request a rent roll and profit & loss statement for a detailed financial overview. Whether you're an investor seeking steady returns or a future homeowner looking for flexibility, this property offers the best of both worlds. Measurements are approximate, verify if important.
Welcome to 34 Palms A One-of-a-kind Waterfront Oasis Redefining Luxury Coastal Living. Experience the pinnacle of Florida waterfront living at 6701 Yacht Club Drive, a remarkable 0.83-acre peninsula estate with 360 panoramic bay views and endless adventure come together. Perfectly positioned with water on all sides, this 4-bedroom, 5-bath, 4,125-square-foot home captures the essence of the Florida boating lifestyle where every sunrise, sunset, and gentle breeze reminds you that you've arrived somewhere truly special. A Boater's Paradise: With direct Gulf access from your backyard, 34 Palms is your personal gateway to the open water. Offering both a private dock and an additional community boat slip, this property was designed for those who love to live life on the water. The calm bay setting is also perfect for kayaking, paddle-boarding, and jet skiing, all from the comfort of your home. Outdoor Living at Its Finest: Every inch of the estate was designed to celebrate outdoor living. Expansive decks and palm-lined walkways lead to multiple lounging areas ideal for entertaining or simply soaking in the serenity. Surrounded by lush tropical landscaping, this private oasis allows you to fish, paddle, or relax in complete tranquility all while enjoying breathtaking views unique to its peninsula setting. Elegant Interiors & Inspired Design: Inside, natural light pours through floor-to-ceiling windows, illuminating open living spaces that seamlessly blend indoor and outdoor living. The heart of the home a bright, modern kitchen and inviting living area is perfect for both gatherings and quiet reflection, offering stunning water views from every angle. Luxurious Private Retreats: The primary master suite, perched on the top floor, provides a peaceful sanctuary with a private balcony, outdoor shower, and sweeping sunrise-to-sunset views. A third-floor guest suite offers its own ensuite bath and walk-in closet, while two additional bedrooms share a charming Jack-and-Jill bath ideal for family or guests. A three-car garage with an office or workshop space completes the thoughtful layout. Key Features Include: -0.83-acre peninsula lot with water on all sides. -Over 500+ of Waterfront. -Private dock plus community marina boat slip -Direct Gulf of Mexico access for boating and fishing. -Expansive 4,125 sq. ft. of light-filled living space. -Multiple decks and outdoor entertaining areas -Lush tropical landscaping. -Waterfront Gazebo with Private Beach. -Largest lot in East Bay PreserveMore than a home. 34 Palms is a lifestyle one defined by endless horizons, outdoor adventure, and effortless elegance. Discover unparalleled waterfront living where every day feels like a getaway. Schedule your private tour today and experience how 34 Palms redefines luxury coastal living.
Beautiful home in the heart of the Cove! This 4-bedroom, 2-bath home features refinished original hardwood floors and a kitchen with butcher block countertops and stainless steel appliances. All windows were replaced (2022), along with a new roof (2022) and HVAC (2022). Plumbing and electrical have also been updated. Move-in ready and full of the Cove charm you'll love! The floor plan offers natural light and a comfortable flow between living spaces, ideal for both everyday living and hosting guests. Enjoy being just minutes from downtown Panama City, with easy access to public boat ramps, restaurants, and shopping. This home is ready for you to call it yours!
Experience coastal living at it's finest in this beautifully updated condo on the bay located in one of Panama City's most desirable waterfront communities. Unit S-102 offers the perfect blend of comfort and style. Step outside for breathtaking views of St Andrews Bay. Step inside to discover a bright open concept living space with large windows that fill the home with natural light. The modern kitchen features stainless steal appliances, sleek countertops and ample cabinet space , making it both functional and elegant. Enjoy spacious bedrooms and premium finishes throughout that create a fresh and inviting coastal feel. The living room opens to a patio, ideal for relaxing and enjoying the fresh air. The primary suite is a private retreat featuring a remodeled master bath with elegant, modern updates - including a beautifully tiled shower, upgraded fixtures, and a contemporary vanity that adds a touch of spa-like luxury. Community features include * Clubhouse * Covered Pavilion and picnic / grilling area * Dock * Private Beach * Fitness Room - Located just minutes from Historic St. Andrews, dining, shopping, and the best of Panama City's waterfront charm, this condo offers both tranquility and convenience. The water heater has recently been replaced and a $1200 special assessment has been paid as well.
Fixer-upper opportunity--calling all investors! This property requires repairs and is being sold AS-IS. Buyer to complete all inspections and due diligence prior to submitting an offer/going under contract. Survey available. Great potential for those ready to add value. Just a short walk to Historic St. Andrews' shops and restaurants, enjoy brunch at Alice's, lunch overlooking the bay at Uncle Ernie's, dinner at Hunt's Oyster Bar, or browse the local markets every Saturday, all within a 15-minute stroll. This prime location is also just a 15-minute drive to the sugar-white beaches of the Gulf, 8 minutes to the Naval Base, and 26 minutes to Tyndall AFB. Experience classic Florida charm in this beautiful 1941 cottage, fully updated in 2019, including the roof and HVAC. Located just two blocks from Lake Huntington with open water access to St. Andrews Bay and the Gulf, this home offers the perfect balance of vintage character and modern comfort. Inside, you'll find hardwood floors, abundant natural light, a welcoming front living area, and a second living space off the updated kitchen featuring an island, stainless steel appliances, and stylish gold finishes. The fenced backyard provides plenty of room for entertaining, gardening, or potential expansion. Whether you're searching for a full-time residence, a weekend retreat, or an investment property, this home delivers the ideal combination of location, charm, and flexibility. Zoned ''Neighborhood General'' for added potential, it also offers excellent visibility from Hwy 98, making it ideal for running a small business from home. With two living spaces, you can easily create a welcoming front lobby and a private retreat in the rear. A true gem of coastal living!
Welcome to your dream home! This stunning brand new construction is perfectly situated in the vibrant heart of Saint Andrews, where location truly matters. Just a short walk away, you'll find an array of amenities in downtown Saint Andrews, including shops, restaurants and beautiful waterfront views and breathtaking sunsets. This spacious home features three generously sized bedrooms and two modern baths, providing ample space for family and guests. The attached two-car garage offers convenience and extra storage space. The interior boasts updated finishes, showcasing contemporary design and quality craftsmanship throughout. Don't miss your chance to live in this pristine home that combines comfort, style, and an unbeatable location. Ready for you to move in and enjoy!
Located in The Cove, one of Panama City's most established neighborhoods, this classic brick front home offers timeless character paired with thoughtful updates. A charming front porch welcomes you inside, where original hardwood flooring flows through most of the home including the bedrooms, hallway, and formal living area. The layout includes 3 bedrooms and 1.5 bathrooms along with both a formal living room and a cozy family room featuring a brick gas fireplace. The large eat in kitchen with a built in desk provides a functional hub for everyday living. A whole house generator powered by natural gas and a metal roof installed in 2019 add peace of mind and long term value. Practical features include a walk in pantry, a separate utility room with space for a freezer, and a partially floored attic for extra storage. Outdoor convenience includes a 1 car carport, additional driveway parking, and alley access that is ideal for a boat, small trailer, or recreational equipment. The backyard includes a powered workshop with AC as well as a lawn irrigation system serviced by a deep well. The Cove's golf cart friendly streets and close proximity to Bay Medical, local schools, churches, and downtown Panama City support a convenient coastal lifestyle. Enjoy waterfront parks, marinas, dining, shopping, and year round community events all minutes away. This home offers a blend of historic appeal, everyday comfort, and desirable location. Buyer to verify all important information including measurements, utilities, and features. Porch swing does not convey.
This charming 2 bedroom, 2 bath home offers unbeatable value and is ready for it's next owner/investor. Featuring low maintenance brick and vinyl siding with a fenced in back yard. The open concept kitchen and family room create a comfortable, inviting space perfect for everyday living or rental income. Whether you're seeking an affordable primary home or an income producing property, this one checks all the boxes. Long term and short term rentals are both permitted. Schedule your showing today! All measurements should be verified by buyer.
Grreat investment opportunity, one bedroon duplex, with many upgrades. New windows, new HVAC, and new appliances.. Great location. currently occupied and rented. Currently gross rental income is $1400 a month. current leases are up on 6/15/2026 and 8/15/2026. Duplex has good rental record and is a great investment. contact listing agent for showings. All showings must be setup a minimum of 48 hours in advance and only available at tennants approval. Call today to request a showing.. . Buyer to verify all information..
Welcome to Bay Club Condos, a hidden gem located on the scenic shores of historic St. Andrews Bay. This very well-maintained 2-bedroom, 2-bath corner unit offers a rare combination of comfort, convenience, and coastal charm. Inside, you'll find new luxury vinyl plank flooring throughout, a new AC unit, and recent upgrades including a new disposal, hot water heater, washer, and dryer ensuring truly trouble-free ownership. The inviting open floor plan is perfect for relaxing or entertaining while enjoying the natural light that floods this bright and airy corner unit. Located in the highly sought-after Bunkers Cove area, Bay Club Condos offers the best of the relaxed coastal lifestyle all just minutes from shopping, local coffee shops, dining, entertainment, and recreation. Enjoy peaceful bayfront walks, take in beautiful water views, or unwind by the community pool, beach area, or private dock. If you've been dreaming of low-maintenance waterfront living in a quiet, picturesque community, look no further this is the one.
NO HOA FEES, Affordable 2 bed , 1.5 bath 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.
*** Huge, and elegant white bricks, and concrete blocks 3 bedrooms / 2 baths 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 Tyndall AFB, as well as downtown * 4 Parking spaces, and great patio area for kids' playground, BBQ, pets, you can even install an above ground pool for this summer! *** Completely renovated with modern finishes, recessed lighting, stainless steel appliances...It won't last ***
Rare opportunity for a ground floor 3 bedroom condominium, with desirable corner location and close access to the water...and even water views from inside your condo! Welcome to Landmark on St. Andrews Bay, where you can enjoy the ultimate Florida lifestyle! This single story 3-bedroom, 2-bathroom condo has been meticulously maintained and welcomes you with an open floor plan and soothing coastal colors. Enjoy tile floors throughout and upgrades including new doors, granite countertops, updated walk-in shower in primary bath, lifted ceilings in both baths, brand new hot water heater, and also comes with great exterior storage closet right outside your door. Landmark on St Andrews Bay offers breathtaking views of the bay and amazing resort style amenities, including private beach, 2 swimming pools, (1 overlooking St. Andrew's Bay), gym, marina, clubhouse, community dock, grill, and lovely walkways and lawn area with bay views. Enjoy life on the bay and the waterfront lifestyle with endless opportunities for fishing, boating, water sports, beach, and gorgeous views! This highly desirable condominium complex features a prime location, situated right between charming waterfront St Andrews and newly revitalized downtown Panama City. You are just a short walk to historic bayfront St. Andrews with a marina and an array of shopping, dining and beverage options, all surrounded by the bay and bay views. You are also close to take advantage of downtown Panama City, another waterfront destination to enjoy with a new energy and a variety of dining, shopping, and recreational activities. Call today to see this great condo!
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.
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 Emerald Coast Association of REALTORS® - All Rights Reserved. Vendor Member Number 28170
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.
