Panama City Beach Homes with True Waterfront

Panama City Beach Homes with True Waterfront

Welcome to Panama City Beach, Florida, where the sun-kissed shores and vibrant community create an idyllic coastal lifestyle! Nestled in Bay County, this enchanting city is renowned for its stunning emerald waters and pristine sandy beaches, making it a top destination for both vacationers and those seeking a permanent seaside sanctuary.

Panama City Beach boasts a unique charm, blending the excitement of beach life with the tranquility of nature. With miles of coastline, residents and visitors can indulge in various water activities, from paddleboarding and kayaking to fishing and snorkeling. The area is also home to beautiful parks and nature reserves, providing opportunities for hiking and wildlife observation.

When it comes to real estate, Panama City Beach offers a remarkable selection of homes with true waterfront access. Imagine waking up to the gentle sound of waves lapping against the shore and enjoying breathtaking sunsets from your private deck. Whether you’re looking for a charming beach cottage, a luxurious oceanfront condo, or a spacious family home with panoramic views, you'll find an array of options that cater to every lifestyle and budget.

Living in Panama City Beach means immersing yourself in a vibrant community filled with local boutiques, delicious dining options, and exciting entertainment. With year-round warm weather and a friendly atmosphere, it’s no wonder that so many are drawn to call this coastal paradise home. Discover your dream waterfront property in Panama City Beach today, and embrace the ultimate beachside living experience!

Newest Panama City Beach Homes with True Waterfront

$1,750,000
3 Beds ⋅ 3 Baths ⋅ 796039 MLS
**Waterfront Boater's Paradise on North Lagoon!** Built in 2021, this beautifully appointed modular Affinity Homes Kingfisher model offers exceptional waterfront living on a notably generous 0.63-acre lot along North Lagoon. The home is being offered fully furnished with tasteful, carefully selected furniture, allowing the next owner to enjoy this exceptional waterfront property from day one. The expansive lot provides an abundance of outdoor space and is exceptionally spacious compared to many properties along North Lagoon. Designed for both everyday comfort and effortless entertaining, this two-story home features an elevator providing convenient access to the entire first floor. The open-concept main level seamlessly connects the living room, dining room, and kitchen, creating an inviting space for gathering. The living room features an electric fireplace and two sets of sliding glass doors that open to a balcony overlooking the lagoon. The kitchen offers electric stainless-steel appliances, granite countertops, and a large island. A first-floor bedroom with a unique hidden panel leading to additional storage, along with a full bathroom and laundry room, adds versatility and convenience to the main level. Upstairs, you'll find two additional bedrooms and two full bathrooms, including a spacious primary suite designed as a private retreat. The primary bedroom features an electric fireplace, comfortable sitting area, and two sets of sliding glass doors opening to a private balcony overlooking the lagoon. The primary bathroom offers a relaxing soaking tub and double vanity. Outside, the property truly shines with an in-ground saltwater pool featuring a sun shelf, professional landscaping, sprinkler system, and expansive outdoor spaces designed for entertaining. The covered backyard patio provides the perfect setting for outdoor dining, relaxing, and entertaining guests, with convenient direct access to the garage through an exterior door. A gravel path leads from the pool area to the dock and boathouse, where boating enthusiasts will appreciate the 16,000-pound boat lift and two floating jet ski slips. Additional features include a two-car garage with ample storage, electric gate, and fully fenced yard. With its exceptionally generous 0.63-acre lot, direct waterfront access, outstanding boating amenities, private pool, covered entertaining area, multiple balconies overlooking the lagoon, and thoughtfully designed living spaces, this exceptional North Lagoon property offers an incredible opportunity to embrace the ultimate waterfront lifestyle.

8811 N Lagoon Drive, Panama City Beach
$269,000
1 Beds ⋅ 1 Baths ⋅ 1012987 MLS ⋅ 751 SqFt.
Rarely do ''A'' units become available, and an ''A'' unit penthouse is almost unheard of! Sunbird boasts only four of these exclusive units. Known for their spaciousness and unparalleled panoramic Gulf views, ''A'' units are the largest in the building. magine waking up to the laid-back beach lifestyle at Sunbird! This spacious condo offers a roomy living area plus a separate dining space that could potentially be transformed into an additional bedroom, giving you flexibility for family, guests, or rental use. The bedroom comfortably accommodates a king-size bed and features a walk-in closet. Some owners have added French doors to the bedroom, creating an even more open feel and enhancing the Gulf views. This floor plan also features the largest bathroom in the building. Best of all, you're just a short stroll from restaurants, shopping, and the fun of Panama City Beach. And with a new A/C system, this condo is ready to enjoy as your beach getaway, second home, or investment property.

9850 S Thomas Dr Unit UNIT 1006E, Panama City Beach
$699,000
4 Beds ⋅ 3 Baths ⋅ 1012985 MLS ⋅ 1,583 SqFt.
Gorgeous Sunset Views - West Tower, Majestic Beach Resort Experience luxury coastal living at its finest in this stunning Plan ''B'' unit located in the West Tower of Majestic Beach Resort. Ideally situated on the 4th floor--perfectly elevated for breathtaking Gulf views without being too high or too low--this spacious 4-bedroom, 3-bath residence offers the best of both comfort and style. Designed with an open-concept layout, the home showcases beautiful neutral furnishings and a bright, airy atmosphere perfect for both family living and high-end vacation rentals. The living area and master suite both overlook the Gulf, featuring floor-to-ceiling windows that frame unobstructed sunset views you'll never forget. Each of the three main bedrooms enjoys its own private en suite bathroom..

10901 Front Beach Rd Unit UNIT 402, Panama City Beach
$350,000
3 Beds ⋅ 3 Baths ⋅ 796025 MLS
Best lot in the community of Waterfall, where comfort meets coastal charm! Sitting on the banks of a sweet community lake, you'll love this location -- close to the beach, eateries, shopping, and great schools -- and right next to a natural conservation area. This thoughtfully designed two-story townhome offers over 2,000sf of livable space with 3 bedrooms and 2.5 baths. The desirable end unit position gives extra windows and light on that entire side of the house. An open concept main level connects the living, dining and kitchen areas with surprising spaciousness enhanced by high ceilings. French doors lead to an open-air patio, fenced backyard, serene community lake, and sunsets over the tranquil nature preserve. You will find the full kitchen has a breakfast bar, lots of cabinets, walk-in pantry, and dining area. A half bath on the main level adds everyday convenience. The oversized 1-car garage has shelving for storage and an extra side-by-side refrigerator so your kitchen one remains easily organized. Moving to the second level you will find a split bedroom floor plan with two of them showing off incredible views over the adjacent forested lands. The large owner's suite overlooks the small lake, has its own bathroom and generous walk-in closet. The two additional bedrooms share a full bathroom with a shower/tub combo and one has a walk-in closet. For added convenience, the laundry room is upstairs by the bedrooms and comes complete with a full-size washer and dryer. The stacked stone accents and covered front entry make for nice curb appeal. Waterfall has a beautiful neighborhood pool in the midst of the woods, underground utilities, and sidewalks so pet friendly. Panama City Beach is a lifestyle that blends relaxation with adventure -- where every day feels a little like vacation with a sense of community. Whether you're looking for a primary residence, second-home getaway, or a long-term rental investment opportunity, this property is what you are looking for. Call today for your private tour!

117 Fossil Falls, Panama City Beach
$15,900,000
7 Beds ⋅ 10 Baths ⋅ 796014 MLS
Extraordinary Gulf-Front Living on the Emerald Coast Imagine stepping from your private dune walkover onto a magnificent Gulf-front estate, perched high above the shoreline on a 20+ foot high dune, where sweeping views, exceptional craftsmanship, and effortless coastal living converge. Set within the exclusive gated community of Carillon Beach, this extraordinary 6,831-square-foot solid-concrete estate offers a rare combination of privacy, scale, luxury, and versatility. From its elevated position, the property captures spectacular panoramic views of the Gulf of Mexico and Lake Powell--one of Florida's celebrated coastal dune lakes. Designed for both grand entertaining and relaxed everyday living, the estate encompasses a magnificent main residence and a beautifully appointed separate guest house. This beachfront property offers remarkable flexibility for a primary residence, luxury second home, multi-generational retreat, or investment property. The two homes may also be rented together or independently. The combination of main house and guest house features 7 bedroom/bath ensuites and 3 half baths, offering an exemplary private living experience. There is a 3-car garage plus additional on site parking providing space for up to 7 vehicles. Throughout the home, custom details and premium finishes create an elevated residential experience, including custom Italian closets by Lizzoni, designer window treatments, and top of the line appliances and custom finishes. At the center of the home is an impressive living and entertaining space designed to make a statement. A dramatic stone fireplace anchors the room, while an 85-inch television, glass-enclosed wine wall for 20+ bottles, and expansive bar area creates an exceptional setting for entertaining family and friends. The dining area takes full advantage of the spectacular Gulf views and flows seamlessly into a chef's kitchen outfitted for serious culinary use. Highlights include a 60-inch Sub-Zero refrigerator/freezer, 48-inch Wolf gas range, and 30-inch double oven. A generous walk-in butler's pantry adds another full-size refrigerator and freezer, along with abundant storage and workspace. A Private Home Theater For unforgettable movie nights and entertaining, the residence includes an exceptionally spacious private media room featuring an 11-foot wall-to-ceiling screen, quartz-topped bar, and under-counter refrigerator. The media room can also be secured and separated from rental areas, adding another layer of flexibility for owners who choose to use the property as a luxury vacation home. Separate Guest House Overlooking the resort-style pool, the separate guest house offers privacy and independence while remaining seamlessly connected to the main estate. Expansive 8-foot-high windows frame beautiful views of both the Gulf and Lake Powell. The guest house features a full kitchen with island bar, two private bedroom/baths ensuites, a powder room and laundry room - ideal for visiting family, extended guests, a private retreat, or additional rental income. Resort-Style Outdoor Living Outside, the property becomes its own private coastal retreat. A large private saltwater pool is surrounded by custom travertine decking and mature palms, creating a relaxed resort atmosphere just steps from the Gulf. Sunning, relaxing, and dining areas on the deck complete the perfect outdoor setting. The Multiple covered porches provide inviting spaces for morning coffee, sunset cocktails, al fresco dining, or simply enjoying the extraordinary coastal setting. And when it's time to experience the beach, a private dune walkover provides direct access to the Gulf shoreline. Advanced Technology, Security & Infrastructure Behind the beauty of the estate is an extensive suite of technology and infrastructure designed to provide effortless ownership, comfort, and security. Advanced Technology, Security & Infrastructure Behind the beauty of the estate is an extensive suite of technology and infrastructure designed to provide effortless ownership, comfort, and security. A professionally integrated smart-home system controls lighting, security, Wi-Fi, entertainment, and audio throughout the property, with convenient mobile-app access for owners who travel or live elsewhere. Indoor and outdoor audio allows music and television to be enjoyed throughout the property, while property-wide Wi-Fi extends all the way to the beach. Security features include seven perimeter cameras and a video doorbell, with 24/7 recording covering exterior entrances, the beach side, street side, pool area, driveway, and garage. A whole-property water filtration and softening system with carbon filtration serves both the home and pool. Dehumidifiers with dedicated drain lines are installed on every floor of both residences. Additional conveniences include two private owners' storage closets within the main house, an elevator, and thoughtfully designed infrastructure throughout both homes.Pl The Carillon Beach Lifestyle Located within the highly desirable private community of Carillon Beach, this estate places you in one of the Emerald Coast's most distinctive coastal settings--where Gulf-front living, natural beauty, privacy, and community amenities come together. Just outside the gates, everyday conveniences are remarkably close, including Publix, Wells Fargo, a gas station, liquor store, and additional dining options such as The Huntsman. Within Carillon Beach itself, owners and guests enjoy access to restaurants and community amenities. A Rare Emerald Coast Offering From its commanding dune-top setting and private Gulf access to its expansive main residence, separate guest house, resort-style saltwater pool, exceptional entertaining spaces, and sophisticated technology systems, this property represents an extraordinary opportunity on the Emerald Coast. Whether envisioned as a private family compound, luxury second home, full-time residence, or income-producing investment, this remarkable Gulf-front estate offers an exceptional level of space, privacy, flexibility, and coastal living. A truly rare opportunity to own an extraordinary piece of Florida's Gulf Coast.

274 Beachside Drive, Panama City Beach
$15,900,000
7 Beds ⋅ 10 Baths ⋅ 1012960 MLS ⋅ 6,851 SqFt.
Extraordinary Gulf-Front Living on the Emerald Coast. Imagine stepping from your private dune walkover onto a magnificent Gulf-front estate, perched high above the shoreline on a 20+ foot high dune, where sweeping views, exceptional craftsmanship, and effortless coastal living converge. Set within the exclusive gated community of Carillon Beach, this extraordinary 6,831-square-foot solid-concrete estate offers a rare combination of privacy, scale, luxury, and versatility. From its elevated position, the property captures spectacular panoramic views of the Gulf of Mexico and Lake Powell--one of Florida's celebrated coastal dune lakes. Designed for both grand entertaining and relaxed everyday living, the estate encompasses a magnificent main residence and a beautifully appointed separate guest house. This beachfront property offers remarkable flexibility for a primary residence, luxury second home, multi-generational retreat, or investment property. The two homes may also be rented together or independently. The combination of main house and guest house features 7 bedroom/bath ensuites and 3 half baths, offering an exemplary private living experience. There is a 3-car garage plus additional on-site parking providing space for up to 7 vehicles. Throughout the home, custom details and premium finishes create an elevated residential experience, including custom Italian closets by Lizzoni, designer window treatments, and top of the line appliances and custom finishes. At the center of the home is an impressive living and entertaining space designed to make a statement. A dramatic stone fireplace anchors the room, while an 85-inch television, glass-enclosed wine wall for 20+ bottles, and expansive bar area creates an exceptional setting for entertaining family and friends. The dining area takes full advantage of the spectacular Gulf views and flows seamlessly into a chef's kitchen outfitted for serious culinary use. Highlights include a 60-inch Sub-Zero refrigerator/freezer, 48-inch Wolf gas range, and 30-inch double oven. A generous walk-in butler's pantry adds another full-size refrigerator and freezer, along with abundant storage and workspace. A Private Home Theater For unforgettable movie nights and entertaining, the residence includes an exceptionally spacious private media room featuring an 11-foot wall-to-ceiling screen, quartz-topped bar, and under-counter refrigerator. The media room can also be secured and separated from rental areas, adding another layer of flexibility for owners who choose to use the property as a luxury vacation home. Separate Guest House Overlooking the resort-style pool, the separate guest house offers privacy and independence while remaining seamlessly connected to the main estate. Expansive 8-foot-high windows frame beautiful views of both the Gulf and Lake Powell. The guest house features a full kitchen with island bar, two private bedroom/baths ensuites, a powder room and laundry room - ideal for visiting family, extended guests, a private retreat, or additional rental income. Resort-Style Outdoor Living Outside, the property becomes its own private coastal retreat. A large private saltwater pool is surrounded by custom travertine decking and mature palms, creating a relaxed resort atmosphere just steps from the Gulf. Sunning, relaxing, and dining areas on the deck complete the perfect outdoor setting. The Multiple covered porches provide inviting spaces for morning coffee, sunset cocktails, al fresco dining, or simply enjoying the extraordinary coastal setting. And when it's time to experience the beach, a direct dune walkover provides easy access to the Gulf shoreline. Advanced Technology, Security & Infrastructure Behind the beauty of the estate is an extensive suite of technology and infrastructure designed to provide effortless ownership, comfort, and security. A professionally integrated smart-home system controls lighting, security, Wi-Fi, entertainment, and audio throughout the property, with convenient mobile-app access for owners who travel or live elsewhere. Indoor and outdoor audio allows music and television to be enjoyed throughout the property, while property-wide Wi-Fi extends all the way to the beach. Security features include seven perimeter cameras and a video doorbell, with 24/7 recording covering exterior entrances, the beach side, street side, pool area, driveway, and garage. A whole-property water filtration and softening system with carbon filtration serves both the home and pool. Dehumidifiers with dedicated drain lines are installed on every floor of both residences. Additional conveniences include two private owners' storage closets within the main house, an elevator, and thoughtfully designed infrastructure throughout both homes. The Carillon Beach Lifestyle Located within the highly desirable private community of Carillon Beach, this estate places you in one of the Emerald Coast's most distinctive coastal settings--where Gulf-front living, natural beauty, privacy, and community amenities come together. Just outside the gates, everyday conveniences are remarkably close, including Publix, Wells Fargo, a gas station, liquor store, and additional dining options such as The Huntsman. Within Carillon Beach itself, owners and guests enjoy access to restaurants and community amenities. A Rare Emerald Coast Offering From its commanding dune-top setting and private Gulf access to its expansive main residence, separate guest house, resort-style saltwater pool, exceptional entertaining spaces, and sophisticated technology systems, this property represents an extraordinary opportunity on the Emerald Coast. Whether envisioned as a private family compound, luxury second home, full-time residence, or income-producing investment, this remarkable Gulf-front estate offers an exceptional level of space, privacy, flexibility, and coastal living. A truly rare opportunity to own an extraordinary piece of Florida's Gulf Coast.

274 Beachside Dr, Panama City Beach
$509,000
2 Beds ⋅ 2 Baths ⋅ 796002 MLS
A 2BR/2BA+BUNKS gulf-front condo that gives you more for the price. The separate bunk room has its own door and creates a third distinct sleeping space, giving this condo much of the function of a three-bedroom layout while remaining a two-bedroom property. For an owner, this means more usable space for family and guests, greater versatility whether the condo is enjoyed personally or offered as a short-term rental, and added value not often found in a two-bedroom floor plan. Inside, the 9' ceilings and open layout give the condo a spacious feel, while abundant natural light keeps the interior bright throughout the day. Hard-surface flooring runs throughout, with tile in the kitchen and wet areas and luxury vinyl plank in the living area and bedrooms - durable and easy to maintain, with less worry about sand, water, and everyday wear. The living and dining areas open onto a deep private balcony through floor-to-ceiling 8' sliding glass doors. With room for two sun loungers, two Adirondack chairs, and a high-top table for two, the balcony is large enough to actually use, not just step onto. And with emerald Gulf waters and the sugar-white shoreline directly beyond it, the view is a pretty compelling reason to stay awhile. The kitchen features granite countertops, stainless steel appliances, oak-stained cabinetry, and a breakfast bar with seating for two. The gulf-front primary suite has direct balcony access and water views from the bed, while the ensuite bath features a double vanity and garden tub/shower combination. The second bedroom has a queen bed, and the separate bunk room includes a twin-over-full bunk bed and its own door. A second full bath with tub/shower combination serves the guest areas. A separate laundry room with washer and dryer adds convenience and keeps everyday necessities tucked away, while the private owner's closet provides dedicated storage for personal belongings, beach supplies, and rental gear. At Sunrise Beach Resort, there's more to enjoy than the beach itself. Two elevated tropical pools (one seasonally heated) overlook the Gulf, plus hot tubs and a children's splash area. A dedicated boardwalk takes you straight to the sand, while the gulf-front fitness center, BBQ grills, Soggy Dollar Snack Bar, and arcade/game room give you plenty of options when you're ready to come in from the beach. Covered parking, a meeting room, and on-site beach chair and umbrella rentals round out the resort's amenities. Just minutes from Pier Park, you're close to the restaurants, shopping, entertainment, and events that make this stretch of Panama City Beach so popular. Shipwreck Island Waterpark, St. Andrews State Park, Hidden Lagoon Golf, and plenty of restaurants are also within easy reach. The best way to appreciate this condo is to see it for yourself. Schedule your private showing today.

14825 Front Beach Road Unit 1508, Panama City Beach
$575,000
1012940 MLS
RARE WEST BAY WATERFRONT OPPORTUNITY! Discover the privacy, boating access and natural beauty of this approximately half-acre waterfront homesite tucked away on a quiet street with very few neighboring lots. Much of the groundwork has already been completed, including a new private dock, boat lift, well, and beautiful white pine privacy fencing accented by masonry columns. Step from your future home onto your own dock and enjoy direct access to West Bay and the Intracoastal Waterway, with boating access to St. Andrews Bay and the Gulf of Mexico. Spend your days fishing, cruising the ICW, exploring Shell Island or heading offshore -- all from your own backyard. The location becomes even more compelling as the West Bay/Highway 79 corridor continues to grow. Point South Marina West Bay is currently under development nearby, bringing additional boating infrastructure and amenities to this rapidly developing area. What truly separates this property is its privacy and scarcity. With very few lots along this secluded street, opportunities to own a waterfront homesite with this combination of space, improvements and boating access are extremely limited. Build your dream waterfront home and enjoy the best of both worlds: a peaceful, private setting surrounded by the natural beauty of West Bay while remaining convenient to Panama City Beach and the continued growth of the West Bay area. Bring your boat and your plans -- the waterfront lifestyle starts here.

7913 1st St Rd, Panama City Beach
$595,000
2 Beds ⋅ 3 Baths ⋅ 795959 MLS
Discover coastal living at its finest in this sought-after two-bedroom, two-and-a-half-bath townhouse at Moonspinner Condominiums in Panama City Beach. This beautifully positioned unit features two private balconies with breathtaking views overlooking the Gulf, creating the perfect setting for morning coffee, sunset cocktails, and unforgettable beach memories. Inside, the spacious townhouse layout offers comfortable living areas, well-appointed bedrooms, and the convenience of two full bathrooms plus a half bath. Located in one of Panama City Beach's most desirable condominium communities, Moonspinner provides easy access to the sugar-white sands and emerald waters of the Gulf. Enjoy being close to local attractions, entertainment, shopping, and some of the area's top restaurants, while still having a relaxing coastal retreat to return to. Whether you're searching for a vacation home, investment property, or personal beach getaway, this Gulf-view townhouse offers an exceptional opportunity in one of Panama City Beach's most sought-after locations.

4425 Thomas Drive Unit 309T, Panama City Beach
$519,900
2 Beds ⋅ 2 Baths ⋅ 795919 MLS
Start your day with Gulf views and the beach just steps away. This 2-bedroom, 2-bath condo in Edgewater Beach & Golf Resort's Leeward building offers a beachfront setting and the flexibility to enjoy it as a personal retreat or vacation rental. Refreshed in 2024 with a new AC, washer and dryer, water heater, flooring, furniture, paint, and patio doors, the condo is furnished and ready to enjoy. Edgewater's resort amenities include golf, tennis, pickleball, pools, Gulf-front hot tubs, onsite dining, fitness facilities, and direct beach access. A comfortable coastal escape with the activities and conveniences of a full-service resort.

11757 Front Beach Road Unit L206, Panama City Beach
$399,000
1 Beds ⋅ 2 Baths ⋅ 795898 MLS
Welcome to your furnished, turnkey beachfront retreat on the stunning emerald waters and sugar white sands of Panama City Beach! This beautiful 1 bedroom, 2 full bath condo offers breathtaking Gulf views from every room, with sunrises and sunsets that are truly unforgettable. Enjoy direct balcony access from both the living area and bedroom, creating the perfect setting for morning coffee, evening cocktails, and endless coastal views. Whether you're searching for a short term rental investment, second home getaway, or full time coastal residence, this condo offers incredible versatility. Step to the sand, pool, and resort amenities, putting the best of the beach lifestyle right at your doorstep. Offered furnished it's ready for you or your guests to start enjoying from day one. Come experience beachfront living in one of Panama City Beach's most desirable settings!

11757 Front Beach Road Unit L404, Panama City Beach
$450,000
2 Beds ⋅ 3 Baths ⋅ 1012815 MLS ⋅ 1,184 SqFt.
GULF VIEWS + SAME-FLOOR DEEDED PARKING + MILESTONE ASSESSMENTS PAID IN FULL! This is the Shores of Panama condo you need to see! Unit 719 offers 1,184 sq. ft. with 2 bedrooms, a separate bunk area and 3 full baths, plus a beautiful centered view overlooking the lagoon-style pool, white-sand beach and emerald waters of the Gulf of Mexico. Your deeded parking space is on the 7th floor, the SAME floor as the condo! Park and walk directly to your unit without waiting on an elevator with luggage, groceries or beach gear. Inside, the open kitchen, dining and living area keeps that gorgeous Gulf view front and center and leads right out to your private balcony. All patio furniture is included. Looking for an STR investment? Future bookings are already on the books from November through January, and additional bookings made prior to closing can transfer to the new owner. Shores of Panama offers a huge Gulf-front lagoon-style pool, tropical pool deck and direct beach access, all in the heart of PCB near dining, entertainment and attractions. Whether you're looking for a beach getaway, second home or STR investment, Unit 719 checks the boxes. Come see the view for yourself!

9900 S Thomas Dr Unit # 719, Panama City Beach
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