Bay County Homes under $400,000

Bay County Homes under $400,000

Welcome to Bay County, Florida – a hidden gem nestled along the stunning Gulf Coast. Known for its picturesque beaches, vibrant communities, and a plethora of outdoor activities, Bay County is the ideal destination for those seeking a blend of relaxation and adventure. With its warm climate and friendly atmosphere, this county is perfect for families, retirees, and anyone looking to embrace the coastal lifestyle.

One of the most appealing aspects of Bay County is the diverse housing market, particularly for those seeking homes under $400,000. Here, you can find charming single-family homes, cozy townhouses, and even some delightful condos, all at affordable prices. Whether you’re a first-time homebuyer or looking to downsize, Bay County offers a variety of options that cater to different tastes and budgets.

Imagine waking up in a lovely home just minutes from the beach, where you can enjoy morning walks along the shore or afternoons spent fishing in the bay. With a thriving local economy and excellent schools, Bay County is not just a place to live; it’s a place to thrive. The community is rich with parks, recreational activities, and cultural events, ensuring there’s never a dull moment.

Explore the possibilities of homeownership in Bay County, where affordability meets coastal charm. Your dream home awaits in this beautiful slice of Florida paradise, where the sun shines bright and the community welcomes you with open arms. Don’t miss out on the opportunity to make Bay County your new home!

Newest Bay County Homes under $400,000

7208 Ranier Street, Panama City
$328,000
3 Beds ⋅ 2 Baths ⋅ 796437 MLS
**VA ASSUMABLE LOAN WITH AN ATTRACTIVE 3.1% INTEREST RATE!** Welcome to 7208 Ranier Street, a beautiful home situated on a spacious half-acre lot with NO HOA! The fully fenced backyard offers plenty of room for boat or RV parking, outdoor activities, and even backyard chickens, subject to applicable local regulations. Step inside and immediately appreciate the soaring cathedral ceilings and abundance of natural light that fills the main living areas. The impressive ceiling height creates an open, airy atmosphere, making the home feel even more spacious and inviting. Luxury vinyl plank flooring flows throughout the main living areas and bathrooms, while two downstairs bedrooms feature comfortable carpeting. Upstairs, you'll find a private primary suite thoughtfully tucked away from the rest of the home. This retreat features a custom barn door, a bathroom with beautiful subway tile accents, and a generous walk-in closet. With its unique architectural features, spacious lot, and freedom of no HOA, this property offers a wonderful combination of comfort, character, and flexibility. **Don't miss the opportunity to explore the potential savings of an assumable VA loan with a 3.1% interest rate!** Schedule your private showing today!

7208 Ranier Street, Panama City
1010 E 8th Street, Lynn Haven
$350,000
3 Beds ⋅ 2 Baths ⋅ 796436 MLS
Welcome to 1010 E 8th Street, nestled in the heart of Lynn Haven! This charming 3-bedroom, 2-bathroom home offers a comfortable and inviting atmosphere, making it a wonderful place to call home. Whether you're enjoying a quiet evening or hosting friends and family, this property provides a great setting for everyday living. One of the highlights of the home is the screened-in patio, offering a relaxing outdoor space where you can enjoy your morning coffee, unwind after a long day, or entertain guests while enjoying the Florida breeze. Conveniently located in the desirable Lynn Haven community, this home puts you just minutes from local parks, schools, shopping, restaurants, and everyday conveniences. With easy access to Panama City and a short drive to the beautiful white-sand beaches of the Emerald Coast, you'll enjoy the perfect balance of neighborhood charm and coastal living. Whether you're a first-time homebuyer, looking to settle into a new home, or searching for an investment opportunity, 1010 E 8th Street is ready for its next chapter. Schedule your private showing today and discover all this property has to offer!

1010 E 8th Street, Lynn Haven
151 Coyote Pass Unit 9, Panama City Beach
$199,000
2 Beds ⋅ 2 Baths ⋅ 796428 MLS
Located very close to the sugary white sands of the Gulf, fabulous restaurants, great shopping, and the new Duplin Winery, this turn-key Hombre Villa offers prime coastal living. Inside, the open-concept living area features low-maintenance LVP flooring, has room for a six-person dining set, full glass sliders that open directly onto a private balcony with serene views of the surrounding green space. The bright, functional kitchen is equipped with crisp white appliances, light cabinetry, a double sink, and a raised breakfast bar overlooking the main living space, with an adjacent laundry nook providing a full-size washer and dryer. The spacious primary suite boasts LVP flooring, a ceiling fan, a large armoire, direct balcony access, a walk-in closet with built-in shelving, and an en-suite vanity area. A second bedroom with durable LVP flooring and a secondary full bath with safety grab bars complete the unit. Residents also enjoy access to a community circular pool surrounded by lush palm trees and green lawn space.

151 Coyote Pass Unit 9, Panama City Beach
124 Cheri Lane, Panama City
$95,000
2 Beds ⋅ 2 Baths ⋅ 796427 MLS
This 2-bedroom, 1.5-bath townhome offers an excellent opportunity for homeowners and investors alike. The two-story layout features a spacious living area with tile flooring, a functional kitchen, convenient laundry room, and bedrooms with wood-look flooring. The property also features a metal roof and a covered front entry. Conveniently located in Parker, with easy access to shopping, dining, schools, and Tyndall Air Force Base. This townhome is in need of some TLC and cosmetic improvements, offering buyers the opportunity to make updates to suit their personal style. Whether you're looking for a primary residence or investment property, this townhome offers plenty of potential. Property is being sold as-is.

124 Cheri Lane, Panama City
10901 Front Beach Road Unit 1909, Panama City Beach
$339,000
1 Baths ⋅ 796421 MLS
Experience the ultimate Gulf-front lifestyle at Majestic Beach Resort in this beautifully updated studio condo. Updated in June 2025, this inviting residence features a beautifully refreshed kitchenette with new cabinetry, countertops, and GE appliances. A new bathroom vanity has also been installed. New luxury vinyl plank flooring flows throughout the condo, complemented by fresh interior paint for a clean, modern feel. Step outside and take in the beauty of the emerald waters and sugar-white sands of Panama City Beach. The efficient studio layout makes this condo an ideal beach getaway or investment property. Enjoy the impressive amenities of Majestic Beach Resort, including direct Gulf-front beach access, multiple outdoor and heated indoor pools, hot tubs, fitness center, tennis and pickleball courts, game room, movie theater, seasonal poolside bar and grill, on-site market and deli, covered parking, and 24-hour security. Beyond the resort, Pier Park, with its outstanding selection of dining, shopping, and entertainment, is situated less than 5 miles west. Northwest Florida Beaches International Airport is approximately 18 miles away. Recently opened attractions, including Topgolf and Dolly Parton's Pirates Voyage Dinner & Show, add even more entertainment options to the surrounding area. Whether you're seeking an investment property or your own slice of paradise, this beautifully updated studio offers an exceptional opportunity to experience the best of Panama City Beach. Schedule your showing today!

10901 Front Beach Road Unit 1909, Panama City Beach
335 Gardenia Street, Panama City Beach
$249,000
3 Beds ⋅ 2 Baths ⋅ 796420 MLS
LIVE walking distance to the beach. 3 bedroom 1 1/2 bath 1176 sq ft beach house, Several restaurants, ice cream shops, local businesses, and the county pier are all within walking distance, adding even more appeal to this prime beachside property. house does need some work

335 Gardenia Street, Panama City Beach
1025 W 19th Street Unit 14D, Panama City
$220,000
3 Beds ⋅ 2 Baths ⋅ 796415 MLS
Welcome to Dellwood Estates in Panama City, Florida. One of the largest units available! Also in the most spacious location! This charming unit offers a comfortable and convenient place to call home in a well-established community. No yard maintenance required except your very own garden space that is fenced off for privacy and enjoyment. Community Pool and Tennis Courts on site! Whether you're looking for a primary residence, a low-maintenance getaway, or an investment opportunity, this property is worth a look. Spacious green spaces all around. 3 Parking Spaces available at the front sidewalk of the home with more visitor parking spaces available. Inside, you'll find a functional layout with comfortable living spaces, a well-appointed kitchen, and bedrooms designed for everyday living and relaxation. The home offers the convenience of easy living without the upkeep of a traditional single-family property. Located in Panama City, you'll be close to shopping, restaurants, schools, medical facilities, and everything the area has to offer. Enjoy easy access to Panama City Beach, beautiful Gulf waters, and the many outdoor activities that make Bay County such a desirable place to live. Come see what makes this Dellwood Estates unit a great opportunity in the Panama City market! HOA covers yard maintenance 2x per week, WiFi, community maintenance, community dump area (not household garbage), long term storage area available for trailers, RV or boat storage & pool upkeep. Home is completely handicap accessible.

1025 W 19th Street Unit 14D, Panama City
4055 Brook Stone Drive, Panama City
$330,000
3 Beds ⋅ 2 Baths ⋅ 796401 MLS
Welcome to 4055 Brook Stone Dr - a home that just feels good from the moment you walk through the door. Tucked away in the inviting Plantation Park neighborhood, this 3-bedroom, 2-bath home offers approximately 1,490 square feet of comfortable, easy living with a layout that feels warm, welcoming and ready for your next chapter. Step inside and imagine everyday life here - slow mornings with coffee in the kitchen, dinner around the table, movie nights curled up on the couch and weekends spent simply enjoying home. The kitchen features beautiful granite countertops and flows naturally into the living spaces, creating a comfortable setting for both quiet evenings and time spent with the people you love. The primary bedroom offers a relaxing place to unwind at the end of the day, while two additional bedrooms provide plenty of flexibility for family, guests, a home office or hobbies. With two full baths, a garage and a thoughtfully designed floor plan, this home offers the space you need without feeling like more house than you want to maintain. Outside, there's room to enjoy the Florida sunshine, fire up the grill or simply relax on the screened patio at the end of the day. And when you do venture out, you're conveniently located near shopping, dining, schools, boat ramps and the everyday conveniences of Panama City and Lynn Haven. Whether you're searching for your first home, your next home or a place to simplify and settle in, 4055 Brook Stone Dr has that special quality that's hard to describe but easy to recognize - you can picture yourself living here. Come inside, get comfortable and stay awhile. This just might be the one that feels like home.

4055 Brook Stone Drive, Panama City
20526 Fisher Road, Fountain
$365,000
3 Beds ⋅ 2 Baths ⋅ 796395 MLS
20526 Fisher Road is country living at its finest! Tucked away on 5 acres this 1,759 square foot home boasts for a serene peaceful existence. Upon entering this property, one feels the comforts of this hidden gem as it is surrounded by beautiful foliage and blooming trees. To feel the true grandeur of this 5 acres walk the property and say hello to any wildlife that you may see. Hummingbirds and butterflies frequent the flower beds! As you enter the home, this 3 bedroom 2 bath house is spacious. The layout is split; showcasing the large primary bedroom and bathroom on one side which features a large walk in closet, a double vanity sink, a private toilet area, a separate walk in shower, and an extra-large soaking tub. The living room and kitchen are also very spacious and are divided- but open enough to entertain guests and family. The second and third bedroom share a bathroom for convenience. There is a separate laundry room. Features include: the HVAC is a 2024, the roof is a 2019, the pole barn with the connecting shed measures 40 x 20 and 16 x 20 respectively and the covered back porch is a 33 x 12. Extra shed in back yard which measures 14 x 16 for storage. With some cosmetic touchups and an aesthetic makeover this home is perfect for someone who wants to make it their dream home. Location, location!!! Head South to Lynn Haven, Panama City, or Panama City Beach; or you can also head North to Dothan. All just a short distance away. If you love the country living lifestyle and just want that short drive to work, shopping, and entertainment then this property is for you!

20526 Fisher Road, Fountain
3910 E 9th Street, Panama City
$245,000
3 Beds ⋅ 2 Baths ⋅ 796393 MLS
Property is being sold As Is. 3 bedroom 2 bath room home locate in Southeast Panama City close to Hwy 98. Buyer to verify all pertinent information including square footage and lot dimensions.

3910 E 9th Street, Panama City
4725 Bay Point Road Unit 168, Panama City Beach
$199,000
1 Beds ⋅ 1 Baths ⋅ 796367 MLS
Fully renovated and move-in ready, this ground-floor 1-bedroom, 1-bath condo in Bay Point's Legends Villas offers peaceful pond and golf course views. A wall of windows fills the living area with natural light and overlooks the pond toward the Nicklaus-designed golf course. The extensive renovation includes new stainless steel appliances, wood-look plank flooring, cabinetry, countertops, fixtures, and finishes. The kitchen features white shaker cabinets, granite countertops, a subway tile backsplash, and a center island. Recessed lighting adds to the fresh, updated interior. The renovated bathroom features a granite-topped vanity and a tiled walk-in shower with glass doors. Convenient ground-floor access and a turnkey interior make this an appealing full-time residence or personal coastal getaway. Bay Point offers gated entry, 24-hour security, landscaped common areas, and neighborhood green spaces. Within the larger community, you'll find Bay Point Golf Club, the full-service Point South Marina on Grand Lagoon, tennis facilities, restaurants, and spa services. Golf, tennis, marina, and spa use may require separate fees or memberships. Nearby beaches, shopping, and dining complete the Panama City Beach lifestyle.

4725 Bay Point Road Unit 168, Panama City Beach
406 Raven Lane, Panama City
$260,000
3 Beds ⋅ 3 Baths ⋅ 796345 MLS
Welcome to 406 Raven Lane, a newer construction 3-bedroom, 2.5-bathroom home in Panama City, Bay County, Florida. Tall ceilings and an open-concept layout make the living, dining, and kitchen areas feel bright and spacious, and durable LVP flooring runs throughout the living spaces. The kitchen features all stainless steel appliances and flows right into the main living area, making it easy to cook, entertain, and stay connected. Outside, the yard is spacious enough for dogs or play but small enough that mowing and upkeep stay easy. The metal roof adds long-term durability. An attached 1-car garage adds space for parking and storage. Conveniently located near shopping, dining, Tyndall Air Force Base, and Panama City beaches, this newer construction home is competitively priced. Schedule your private showing today!

406 Raven Lane, Panama City
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