Panama City Beach Homes under $400,000

8700 Front Beach Road Unit 7313, Panama City Beach

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

8700 Front Beach Road Unit 7313, Panama City Beach

3600 Thomas Drive Unit D207, Panama City Beach

$210,000

1 Beds ⋅ 1 Baths ⋅ 796309 MLS

AFFORDABLE BEACH GETAWAY WITH BOATING ACCESS & SHORT-TERM RENTAL POTENTIAL! Welcome to Treasure Cove, where coastal living, convenience, and affordability come together. This charming 2nd floor, 1-bedroom, 1-bath condo offers the perfect opportunity for a beach getaway, second home, or short term rental investment. The unit has never been used as a short term rental, giving the next owner a fresh opportunity to make it their own. Located directly on the lagoon, Treasure Cove offers a pool and boat dock available for owners to enjoy, with Gulf access right from the property. Spend the day boating, fishing, or cruising to Shell Island, just approximately 5 minutes away by boat. Offshore fishing charters, jet ski and pontoon rentals, and the famous Sea Screamer cruise are conveniently located next door. One of the best features of this location is the balance--it's tucked away from the heavier traffic and noise while still being close to all the action. Beach Access #2 is within walking distance, giving you easy access to the beautiful white sand beaches of the Gulf. Whether you're looking for an affordable place at the beach, a second home that can potentially help pay for itself, or an investment opportunity in a highly desirable location, this Treasure Cove condo checks all the boxes!

3600 Thomas Drive Unit D207, Panama City Beach

$320,000

2 Beds ⋅ 2 Baths ⋅ 796303 MLS

Welcome to 140 Abbey Lane, a beautifully updated home nestled in the highly sought-after gated community of Gulf Highlands, just minutes from the sugar-white sandy beaches and convenient dedicated beach access. This charming 2-bedroom, 1.5-bath home is the perfect coastal getaway, vacation rental, or comfortable primary residence. Thoughtfully updated throughout and offered furnished, this home features an inviting open-concept layout, with show-stopping custom wallpaper and trendy bathrooms you have to see in person. Gulf Highlands is known for its resort-style amenities and prime location. Residents and guests enjoy access to 11 community pools, including 5 heated pools, as well as a private beachfront clubhouse featuring a pool and restaurant/café. Additional amenities include shuffleboard, mini golf, an exercise room, tennis courts, a playground, Wi-Fi, cable, pest control, a termite bond, trash service, groundskeeping, property patrol, and gated community access. With its updates, desirable location, abundant amenities, and close proximity to the beach, 140 Abbey Lane offers the perfect opportunity to enjoy the coastal lifestyle in one of the area's most popular resort communities.

140 Abbie Lane, Panama City Beach

$399,000

2 Beds ⋅ 1 Baths ⋅ 796263 MLS

You will love this Bid A Wee beach cottage located just a block from Front Beach Rd that is short term rental approved. This furnished 2 bedroom, 1 bath home includes a living room, kitchen and dining area. There is also a utility room with washer and dryer, connected storage and a backyard shed for more storage. There is a large 60' x 150' yard with plenty of room to add a pool. A carport allows you to park one car under cover. The best part is the private, gated Bid-A-Wee beach. For a voluntary $100 membership per year you can be supplied the gate codes to your gorgeous stretch of paradise. The roof was replaced in January 2026, HVAC is 2017 and W/H is 2021. Close to Pier Park and lots of activities such as FUNLAND, Hidden Lagoon Goofy Golf and Racetrack, Top Golf, Dolly Parton's Dinner Theater and great restaurants Sharky's, Runaway Island, and Firefly. Call to set up your showing today!

503 Anemone Street, Panama City Beach

9900 S Thomas Drive Unit 1718, Panama City Beach

$359,900

2 Beds ⋅ 3 Baths ⋅ 796261 MLS

Enjoy Gulf views from the 17th floor at Shores of Panama #1718. This furnished two-bedroom, two-and-a-half-bath condominium includes a bunk area, an open living and dining space, a kitchen with breakfast bar, and a private balcony overlooking the Gulf. A washer and dryer add everyday convenience. The primary bedroom has Gulf views and an en suite bath. Resort amenities include beach access, a lagoon-style outdoor pool, heated indoor pool, indoor and outdoor hot tubs, fitness center, poolside dining, coffee shop, grilling and picnic areas, meeting facilities, and a covered parking garage. Located beside Pineapple Willy's in central Panama City Beach. Furnishings convey as provided in the listing agreement. Buyer to verify measurements, fees, assessments, rental rules, and all property details.

9900 S Thomas Drive Unit 1718, Panama City Beach

316 Cyan Lane Unit 80, Panama City Beach

$369,000

3 Beds ⋅ 3 Baths ⋅ 796226 MLS

NO RENTAL RESTRICTIONS!!! Our stunning pool is NOW OPEN! The prefect place to SOAK UP THAT Florida SUN! Seagate at Clara is a new townhome community nestled in the vibrant city of Panama City Beach, FL. This two-story unit features board and batten exterior and covered entries. One car garage provides a great space for storing beach essentials. This open concept townhome boasts a stylish kitchen with white cabinets, tile backsplash, a large island with quartz counter tops - perfect for entertaining. The elegant Owners Suite is designed with comfort in mind showcasing a large walk in closet and double- bowl vanities. Main Bath has tiled shower. All bathrooms have quartz countertops. LVP is located throughout the home. The community pool features a cabana, lounging, seating and grilling stations. This community has a dedicated dog park. Seagate at Clara is in a prime location, approximately 1.4 miles to the sandy beaches and just minutes from Pier Park.

316 Cyan Lane Unit 80, Panama City Beach

318 Cyan Lane Unit 79, Panama City Beach

$359,000

3 Beds ⋅ 3 Baths ⋅ 796223 MLS

NO RENTAL RESTRICTIONS!!! Our stunning pool is NOW OPEN! The prefect place to SOAK UP THAT Florida SUN! Seagate at Clara is a new townhome community nestled in the vibrant city of Panama City Beach, FL. This two-story unit features board and batten exterior and covered entries. One car garage provides a great space for storing beach essentials. This open concept townhome boasts a stylish kitchen with white cabinets, tile backsplash, a large island with quartz counter tops - perfect for entertaining. The elegant Owners Suite is designed with comfort in mind showcasing a large walk in closet and double- bowl vanities. Main Bath has tiled shower. All bathrooms have quartz countertops. LVP is located throughout the home. The community pool features a cabana, lounging, seating and grilling stations. This community has a dedicated dog park. Seagate at Clara is in a prime location, approximately 1.4 miles to the sandy beaches and just minutes from Pier Park.

318 Cyan Lane Unit 79, Panama City Beach

320 Cyan Lane Unit 78, Panama City Beach

$359,000

3 Beds ⋅ 3 Baths ⋅ 796210 MLS

NO RENTAL RESTRICTIONS!!! Our stunning pool is NOW OPEN! The prefect place to SOAK UP THAT Florida SUN! Seagate at Clara is a new townhome community nestled in the vibrant city of Panama City Beach, FL. This two-story unit features board and batten exterior and covered entries. One car garage provides a great space for storing beach essentials. This open concept townhome boasts a stylish kitchen with white cabinets, tile backsplash, a large island with quartz counter tops - perfect for entertaining. The elegant Owners Suite is designed with comfort in mind showcasing a large walk in closet and double- bowl vanities. Main Bath has tiled shower. All bathrooms have quartz countertops. LVP is located throughout the home. The community pool features a cabana, lounging, seating and grilling stations. This community has a dedicated dog park. Seagate at Clara is in a prime location, approximately 1.4 miles to the sandy beaches and just minutes from Pier Park.

320 Cyan Lane Unit 78, Panama City Beach

322 Cyan Lane Unit 77, Panama City Beach

$359,000

3 Beds ⋅ 3 Baths ⋅ 796209 MLS

NO RENTAL RESTRICTIONS!!! Our stunning pool is NOW OPEN! The prefect place to SOAK UP THAT Florida SUN! Seagate at Clara is a new townhome community nestled in the vibrant city of Panama City Beach, FL. This two-story unit features board and batten exterior and covered entries. One car garage provides a great space for storing beach essentials. This open concept townhome boasts a stylish kitchen with white cabinets, tile backsplash, a large island with quartz counter tops - perfect for entertaining. The elegant Owners Suite is designed with comfort in mind showcasing a large walk in closet and double- bowl vanities. Main Bath has tiled shower. All bathrooms have quartz countertops. LVP is located throughout the home. The community pool features a cabana, lounging, seating and grilling stations. This community has a dedicated dog park. Seagate at Clara is in a prime location, approximately 1.4 miles to the sandy beaches and just minutes from Pier Park.

322 Cyan Lane Unit 77, Panama City Beach

9900 S Thomas Drive Unit 2126, Panama City Beach

$329,900

1 Beds ⋅ 2 Baths ⋅ 796189 MLS

SUNSET VIEWS FROM THE BALCONY. SUNRISE VIEWS FROM THE PRIMARY BEDROOM. DEEDED PARKING. Shores of Panama 2126 is a beautifully maintained, professionally managed N floor plan featuring one bedroom, a bunk room, two full bathrooms, and a deeded parking space on the 11th floor. Positioned high above Panama City Beach, the condo offers Gulf views in two directions. From the living room and balcony, enjoy views across the resort's lagoon-style pool toward the Gulf, including southwest-facing sunset views. From the primary bedroom, the perspective shifts southeast along Panama City Beach's coastline, offering Gulf and sunrise views from the opposite side of the residence. Inside, coastal decor and LVP flooring throughout create a bright, cohesive interior. The primary bedroom includes a king-size bed and large flat-screen TV. The living room features a new U-shaped, deep-seated pullout sofa and large flat-screen TV. The kitchen is finished with granite countertops and stainless steel appliances, while a front-loading stackable washer and dryer provides in-unit laundry. The HVAC system was replaced in 2020, and the water heater was replaced in 2021. Documented rental income paid to the owner after management totaled $35,284.13 in 2024 and $30,135.85 in 2025. Completed stays through September 29, 2026, generated $27,818.74 after management and before other ownership expenses. Dolce Vita Getaways has also provided a projected annual rental revenue of $44,100, with an estimated range of $35,500 to $54,400 before management fees and ownership expenses. Past performance and projections are provided for informational purposes only and are not guarantees of future rental income. Shores of Panama Resort features one of the largest Gulf-front lagoon-style pools in Panama City Beach. The zero-entry tropical pool includes palm-lined islands, fountains, a spacious hot tub, and direct access to the resort's beachfront area. Additional amenities include an indoor heated pool and hot tub, a 24-hour fitness center, and a seasonal poolside Tiki bar. Located in the heart of Panama City Beach, Shores of Panama places dining, shopping, attractions, and entertainment nearby. Pineapple Willy's is adjacent to the resort, while Laketown Wharf directly across the street offers a variety of dining, retail, and entertainment options including Wharf Seafood Buffet, The Candymaker Ice Cream Shop, PCB Pizza, In Cahoots, The Press, The Bun Lab, 810 Billiards & Bowling, salon services, and more. Additional Panama City Beach attractions and entertainment venues include Dolly Parton's Pirates Voyage Dinner & Show, Topgolf, McGuire's Irish Pub, and Tootsie's Orchid Lounge. HOA dues are $3,147.62 per quarter. All information, rental income, projections, HOA fees, assessments, measurements, and property details are deemed reliable but not guaranteed; buyer to verify if important.

9900 S Thomas Drive Unit 2126, Panama City Beach

8485 Dreams Float Court, Panama City Beach

$394,900

2 Beds ⋅ 2 Baths ⋅ 796177 MLS

Discover this perfect FULLY FURNISHED/TURNKEY Camellia Cottage in Phase 5 of the 55+ Latitude Margaritaville Watersound -- ideally positioned on one of the rarest and most desirable lots in the community and just minutes to the Town Center and incoming Publix. This home faces a wide, peaceful green space and natural preserve, offering privacy, quiet mornings, and the kind of view relocation buyers dream of when moving to Latitude and a rare find for a small cottage. This home is being sold fully furnished, turnkey and move-in ready -- including pots, pans, dishes, linens, décor, tv's appliances and high-end Ashley and Rooms To Go furniture (the white sofa is brand new and is a sleeper!). With an accepted offer, the GOLF CART also conveys, making your transition effortless from day one. All appliances convey: washer, dryer, refrigerator, range, microwave, and dishwasher. Thoughtful upgrades add comfort and convenience throughout: -Epoxy garage floor -Designer lighting and fans - Recessed lighting in kitchen - great room, dining, and porch - 20-amp garage outlet for golf cart charging - High-mounted TV jacks at lanai and great room - GFI outlet at porch - Pocket door from primary bedroom to bath - Whole-house faux wood blinds - 12'' cabinet above refrigerator - Kitchen cabinet crown molding - Single-mount kitchen sink with soap dispenser. This lot quality, turnkey furnishings, included golf cart, and lifestyle value make this home an exceptional opportunity for relocation buyers seeking a smooth, stress-free move. Enjoy preserve views from your lanai, host friends in your beautifully furnished great room, and cruise to the Town Center the moment you arrive -- this home delivers the easy, breezy Margaritaville lifestyle without the wait, without the hassle, and without needing to lift a finger. With the Publix underway and many businesses already open, this cottage is just minutes to the retail that is coming to life. Latitude Margaritaville Watersound is the premier 55+ community with literally unmatched private amenities in the area to include a resort style pool, restaurant, 3 bars, state of the art fitness center, dog park, dog spa, woodworking, pottery, full size theatre, pickleball, bocce, tennis, basketball, cornhole, pool table, table tennis and live music 7 DAYS A WEEK and events, groups and clubs galore. You're going to love it here!

8485 Dreams Float Court, Panama City Beach

17757 Front Beach Road Unit 1406D, Panama City Beach

$395,000

1 Beds ⋅ 2 Baths ⋅ 796171 MLS

On the beautiful west end of Panama City Beach, Celadon is a great complex with amenities that create a great beach get away. Enjoy stunning views from the balcony, enjoy the pools and hot tubs, or enjoy the beach only steps from the elevator.

17757 Front Beach Road Unit 1406D, Panama City Beach

Panama City Beach Homes under $400,000

Newest Panama City Beach Homes under $400,000