Biltmore Beach Homes with False Waterfront

5417 Pinetree - A Home That Has Been Loved and Meticulously Maintained! You won't believe the care, pride, and love that have gone into this home! Immaculately maintained from top to bottom, this property reflects a level of ownership that is becoming increasingly hard to find. From the manicured, picture-perfect yard to the exceptionally clean interior, every detail speaks to how well this home has been cared for. And here's a little something you don't see every day: Please remove your shoes before entering! This home has been so lovingly maintained that shoes have never been worn inside. That's just how immaculate it is! Major updates include a newer roof, newer HVAC system, and newer water heater, offering added peace of mind for its next owner. Step inside and enjoy a little trip back in time! The interior retains its charming vintage character, reminiscent of the 1980s, offering a wonderful opportunity to enjoy its original personality or make it your own. Being sold furnished. The location? It's hard to beat! Conveniently situated between the marina and boat launch and the beautiful white-sand beaches of the Gulf, with Beach Access 7 walking distance. You're also just a short drive from the natural beauty of St. Andrews State Park, local restaurants, waterfront dining, and all the outdoor recreation that makes Panama City Beach such a special place to call home. Looking for a little more? The spacious backyard offers room to add a pool, creating your own private outdoor retreat! And here's an added bonus for investors: Short-term rentals are allowed! Whether you're looking for a primary residence, a second home, or an investment property, 5417 Pinetree offers wonderful possibilities. Some homes are simply houses. This one tells a story of years of pride, care, and love. Come see for yourself!

5417 Pinetree Avenue, Panama City

$375,000

3 Beds ⋅ 2 Baths ⋅ 1014920 MLS ⋅ 1,147 SqFt.

Less than a 10-minute walk from the sugar-white sands of the gulf, this fully furnished coastal retreat pairs an inviting backyard escape with an established vacation rental history. Offering three bedrooms, two bathrooms and documented annual gross rental revenue of approximately $32,000 to $35,000, the updated residence presents an appealing opportunity for investors, second-home buyers or those seeking a full-time home near the beach. With no HOA and a convenient location near restaurants, marinas and boating destinations, the property offers flexibility for a variety of coastal lifestyles. Inside, a comfortable, guest-friendly layout accommodates family and friends with two king bedrooms and a dedicated bunk room featuring two sets of bunk beds. Luxury vinyl plank flooring, recessed lighting, updated windows and fresh interior paint contribute to the home's bright, refreshed atmosphere. Recent improvements extend well beyond aesthetics, including the addition of a second full bathroom, a new septic system and a dedicated laundry room. Offered fully furnished, the residence is ready for immediate enjoyment or vacation rental use. The fully fenced backyard is designed for leisurely afternoons and memorable gatherings. A spacious gazebo anchors the outdoor entertaining area, complemented by new furniture, two built-in grills and a refreshing stock tank pool. An outdoor shower makes rinsing off after a beach excursion effortless, while landscaping in both the front and back yards enhances the property's welcoming appeal. Whether hosting a cookout, relaxing poolside or spending a quiet evening outdoors, this private setting offers plenty of room to unwind. The location places some of Panama City Beach's favorite waterfront destinations within easy reach. Schooners, Patches, Captain Anderson's and The Grand Marlin are nearby, offering an array of dining experiences from casual beachside fare to fresh local seafood. Boating enthusiasts will appreciate convenient access to marinas and public boat ramps along South Lagoon Drive, while St. Andrews State Park is approximately seven minutes away by car. The property is also conveniently situated near Naval Surface Warfare Center Panama City Division, adding appeal for those seeking proximity to the installation. With the beach, boating and local dining all close at hand, everyday conveniences and coastal recreation are never far away.

5412 Hilltop Ave, Panama City Beach

$375,000

3 Beds ⋅ 2 Baths ⋅ 797431 MLS

Less than a 10-minute walk from the sugar-white sands of the gulf, this fully furnished coastal retreat pairs an inviting backyard escape with an established vacation rental history. Offering three bedrooms, two bathrooms and documented annual gross rental revenue of approximately $32,000 to $35,000, the updated residence presents an appealing opportunity for investors, second-home buyers or those seeking a full-time home near the beach. With no HOA and a convenient location near restaurants, marinas and boating destinations, the property offers flexibility for a variety of coastal lifestyles. Inside, a comfortable, guest-friendly layout accommodates family and friends with two king bedrooms and a dedicated bunk room featuring two sets of bunk beds. Luxury vinyl plank flooring, recessed lighting, updated windows and fresh interior paint contribute to the home's bright, refreshed atmosphere. Recent improvements extend well beyond aesthetics, including the addition of a second full bathroom, a new septic system and a dedicated laundry room. Offered fully furnished, the residence is ready for immediate enjoyment or vacation rental use. The fully fenced backyard is designed for leisurely afternoons and memorable gatherings. A spacious gazebo anchors the outdoor entertaining area, complemented by new furniture, two built-in grills and a refreshing stock tank pool. An outdoor shower makes rinsing off after a beach excursion effortless, while landscaping in both the front and back yards enhances the property's welcoming appeal. Whether hosting a cookout, relaxing poolside or spending a quiet evening outdoors, this private setting offers plenty of room to unwind. The location places some of Panama City Beach's favorite waterfront destinations within easy reach. Schooners, Patches, Captain Anderson's and The Grand Marlin are nearby, offering an array of dining experiences from casual beachside fare to fresh local seafood. Boating enthusiasts will appreciate convenient access to marinas and public boat ramps along South Lagoon Drive, while St. Andrews State Park is approximately seven minutes away by car. The property is also conveniently situated near Naval Surface Warfare Center Panama City Division, adding appeal for those seeking proximity to the installation. With the beach, boating and local dining all close at hand, everyday conveniences and coastal recreation are never far away.

5412 Hilltop Avenue, Panama City Beach

$585,000

3 Beds ⋅ 2 Baths ⋅ 1013983 MLS ⋅ 1,589 SqFt.

BACK ON MARKET, NO FAULT OF SELLER! One Buyer's loss is another's gain! Now offered at a REDUCED PRICE!! No expense spared on the finishes of this gorgeous 3 bedroom 2.5 bath beach house! Great location on east end of Panama City Beach, short walk or golf cart ride to white sandy beaches, conveniently located near public boat ramp with Gulf access. This home has loads of modern character, perfect for short term rental with it's accent walls & decor, complete with hot tub and outdoor fire pit. No need for updates, this newer construction retreat is move in ready. Seller will consider selling furnished with a few exclusions. Located just minutes from St. Andrews state park, multiple boat launches, arcades, Go kart tracks, golf cart/scooter rental, bike rental, mini golf, amusement rides, Shipwreck Island Waterpark, Tootsie's Orchid Lounge, Top Golf, Dolly Parton's Pirates' Voyage dinner theater, locals favorite restaurants, jet ski/boat rental, parasailing, Pier Park shopping & entertainment - all this & more at the World's Most Beautiful Beach!

3808 Biltmore Dr, Panama City Beach

3707 Mystic St Unit A-B, Panama City Beach

$599,900

5 Beds ⋅ 3 Baths ⋅ 1013374 MLS ⋅ 2,184 SqFt.

Picture this: it's 7 a.m., coffee in hand, and you're strolling across the street to watch the sun come up over the Grand Lagoon. Your boat is in the water from the public ramp one block away before the charter crowd wakes up. By lunch you're toes-in-the-sand at Gulf beach access #11, about half a mile from your door. By sunset you're on the deck at Schooners, about 1.5 miles away. And while you're living the dream, two homes are quietly working for you. That's what 3707 Mystic Street is: a beach lifestyle that pays its own way. This duplex lives like two separate homes, with two private entries, two separate parking areas and each unit's own patio, so neighbors and guests never feel like they're sharing. Mystic Surf (Unit A) is the guest favorite, with three king bedrooms plus a twin and trundle that sleep eight, surf murals in every bedroom, a kitchen big enough for the whole crew, a cozy electric fireplace and a storage shed for the kayaks and paddleboards. Mystic Sun (Unit B) is the hideaway, with two king suites, a full kitchen, a real wood-burning fireplace for those cool December nights and its own shed. For the second-home buyer, this is the beach house that doesn't sit empty. Keep one side as your private getaway, with its own entry, parking and patio. Rent the other side to guests and let them help cover your costs. Come down whenever you want, lock the door when you leave, and let the income keep rolling in. For the investor, this is two income streams on one turnkey property that's already operating as a vacation rental. There's no HOA and nothing to fix, short-term rentals are allowed, and you have the flexibility to run each unit however the market tells you to. For the buyer hunting for multifamily close to the beach, this is the one that's hard to find. Small multifamily properties this close to both the Gulf and the lagoon rarely come up, especially with true separation between units, a corner lot and room to grow. There's space for boat parking, so your boat lives right at home one block from the ramp. There's also room to add a hot tub, the kind of upgrade guests search for and happily pay more for. Everything worth doing is close. The Grand Lagoon marinas and charter fleets are 1 to 2 miles away. The trails and snorkeling at St. Andrews State Park are about 2 miles away. A cold one at Buster's Beer & Bait is an easy walk, and Pier Park is roughly 9 miles away. Now let's talk numbers. Mystic Surf projects about $46,000 a year in rental income, and Mystic Sun projects about $30,000, for a combined projection of roughly $76,000 a year. There's no HOA fee eating into your returns, and both units are already up and running, so there's no setup period and no waiting for your first booking. Keep both on the short-term market for maximum income, or put one side on a mid- or long-term lease for steady, predictable cash flow. Adding a hot tub or capturing boat-friendly guests could push those numbers even higher.

3707 Mystic St Unit A-B, Panama City Beach

3707 Mystic Street Unit A-B, Panama City Beach

$599,900

5 Beds ⋅ 3 Baths ⋅ 796274 MLS

Picture this: it's 7 a.m., coffee in hand, and you're strolling across the street to watch the sun come up over the Grand Lagoon. Your boat is in the water from the public ramp one block away before the charter crowd wakes up. By lunch you're toes-in-the-sand at Gulf beach access #11, about half a mile from your door. By sunset you're on the deck at Schooners, about 1.5 miles away. And while you're living the dream, two homes are quietly working for you. That's what 3707 Mystic Street is: a beach lifestyle that pays its own way. This duplex lives like two separate homes, with two private entries, two separate parking areas and each unit's own patio, so neighbors and guests never feel like they're sharing. Mystic Surf (Unit A) is the guest favorite, with three king bedrooms plus a twin and trundle that sleep eight, surf murals in every bedroom, a kitchen big enough for the whole crew, a cozy electric fireplace and a storage shed for the kayaks and paddleboards. Mystic Sun (Unit B) is the hideaway, with two king suites, a full kitchen, a real wood-burning fireplace for those cool December nights and its own shed. For the second-home buyer, this is the beach house that doesn't sit empty. Keep one side as your private getaway, with its own entry, parking and patio. Rent the other side to guests and let them help cover your costs. Come down whenever you want, lock the door when you leave, and let the income keep rolling in. For the investor, this is two income streams on one turnkey property that's already operating as a vacation rental. There's no HOA and nothing to fix, short-term rentals are allowed, and you have the flexibility to run each unit however the market tells you to. For the buyer hunting for multifamily close to the beach, this is the one that's hard to find. Small multifamily properties this close to both the Gulf and the lagoon rarely come up, especially with true separation between units, a corner lot and room to grow. There's space for boat parking, so your boat lives right at home one block from the ramp. There's also room to add a hot tub, the kind of upgrade guests search for and happily pay more for. Everything worth doing is close. The Grand Lagoon marinas and charter fleets are 1 to 2 miles away. The trails and snorkeling at St. Andrews State Park are about 2 miles away. A cold one at Buster's Beer & Bait is an easy walk, and Pier Park is roughly 9 miles away. Now let's talk numbers. Both units have produced 2026 - $74,996 Gross and 2025 - $73,356 Gross There's no HOA fee eating into your returns, and both units are already up and running, so there's no setup period and no waiting for your first booking. Keep both on the short-term market for maximum income, or put one side on a mid- or long-term lease for steady, predictable cash flow. Adding a hot tub or capturing boat-friendly guests could push those numbers even higher.

3707 Mystic Street Unit A-B, Panama City Beach

$555,000

3 Beds ⋅ 3 Baths ⋅ 795317 MLS

BACK ON MARKET, NO FAULT OF SELLER! One buyer's loss is another's gain! Now offered at a REDUCED PRICE!! No expense spared on the finishes of this gorgeous 3 bedroom 2.5 bath beach house. Great location on east end of Panama City Beach, short walk or golf cart ride to white sandy beaches, conveniently located near public boat ramp with Gulf access. This home has loads of modern character, perfect for short term rental with it's accent walls & decor, complete with hot tub and outdoor fire pit. No need for updates, this newer construction retreat is move in ready. Seller will consider selling furnished with a few exclusions. Located just minutes from St. Andrews state park, multiple boat launches, arcades, Go kart tracks, golf cart/scooter rental, bike rental, mini golf, amusement rides, Shipwreck Island Waterpark, Tootsie's Orchid Lounge, Top Golf, Dolly Parton's Pirates' Voyage dinner theater, locals favorite restaurants, jet ski/boat rental, parasailing, Pier Park shopping & entertainment - all this & more at the World's Most Beautiful Beach!

3808 Biltmore Drive, Panama City Beach

$349,900

3 Beds ⋅ 1 Baths ⋅ 794857 MLS

**Great Panama City Beach location just three blocks from the Gulf!** This 3-bedroom, 1-bath home, built in 1972, sits in an established neighborhood and offers plenty of potential. Enjoy a spacious backyard with room for entertaining, relaxing, or possibly adding a pool. Conveniently located near beaches, dining, shopping, entertainment, and local attractions. Ideal as a primary home, vacation property, or investment opportunity.

5725 Sunset Avenue, Panama City

$419,000

3 Beds ⋅ 2 Baths ⋅ 1007459 MLS ⋅ 1,023 SqFt.

Fully renovated beach cottage and RENTAL MACHINE only .3 miles from the Gulf! This stunning 3-bedroom, 2-bath coastal home sits on a huge lot with no HOA in the heart of Lower Grand Lagoon, offering the kind of space that is nearly impossible to find this close to the water. Every inch of this cottage has been meticulously updated, including a 2020 metal roof, HVAC, Hardie Board siding, vinyl windows, septic system, PEX plumbing, and copper wiring. The coastal interior shines with granite countertops, white cabinets, stainless appliances, wood-look tile flooring, and updated fixtures throughout. All of the furnishings convey to the new buyer. Beyond the beautiful renovations, this property is a proven high-producing investment that has consistently delivered impressive results, generating $58,642 in 2023, $50,378 in 2024, and $45,591 in 2025. It is currently self-managed and the seller would be happy to share his process and vendors so a new buyer could continue. 2026 is on track with HUGE numbers! Over $41,500 already completed in Jan-July 2026! The massive yard provides plenty of room to add a private pool, while the oversized driveway offers an abundance of parking for a boat, jet skis, and golf cart. An amazing covered front porch offers the perfect hangout, while the private outdoor shower makes cleaning off the sand effortless after a day at the beach. This prime location puts you mere blocks from the community boat ramp and minutes from the area's best-loved dining spots like Schooners, Patches, and Finn's, offering guests the ultimate coastal lifestyle with world-class boating, fishing, and white sandy beaches just down the street. This property perfectly balances a relaxed coastal vibe with a proven track record of rental success. Schedule your showing today. A video tour is also available

5616 Pinetree Ave, Panama City Beach

$549,900

792026 MLS

Discover an exceptional opportunity to own a prime 0.25 acre double lot at 5615 Beach Dr, Panama City Beach, FL 32408, offering approximately 10,977 square feet in one of the area's most desirable beachside locations. This cleared, filled, level, and build-ready property is ready for your custom coastal home or investment project. Ideally situated just steps from the beach, this property provides clear Gulf views with no condos or high-rise buildings directly in front, allowing you to enjoy the beauty of the coastline. Public sewer and water are available, the property is located in an X Flood Zone, and there is no HOA, providing added flexibility for your future plans. Enjoy the convenience of being close to a public boat ramp, shopping, restaurants, fishing, and a wide variety of beach and water sports. Whether you're boating, paddleboarding, jet skiing, or spending the day on the sugar-white sand beaches, this location offers the best of the Panama City Beach lifestyle. With endless possibilities for new construction, this established neighborhood is the perfect place to build your dream beach home with a pool, boat parking, and outdoor entertaining areas, or create an outstanding investment property in a highly sought-after location. Don't miss this rare opportunity to own a build-ready double lot in an outstanding location.

5615 Beach Drive, Panama City Beach

$589,999

4 Beds ⋅ 2 Baths ⋅ 790852 MLS

Experience coastal living at its best with this beautifully maintained duplex just steps from Beach Access #5 and the stunning sugar-white shoreline along the Gulf. Offering a total of four bedrooms and two full baths, the property is configured as two private residences, each featuring two bedrooms and one bathroom, creating an excellent flexibility for personal use, vacation rentals, or long-term tenants. Perfect for those seeking an income-producing property or a beach getaway with added earning potential, this fully furnished duplex is move-in and rental ready from Day One. Outside, the enclosed backyard offers a private setting ideal for pets, entertaining, or unwinding after a day at the beach, while the outdoor fire pit creates a welcoming atmosphere for evening gatherings. Located in a highly sought-after beach community, this property presents an outstanding opportunity for investors and second-home buyers alike. Occupy one side while generating revenue from the other or maximize returns by leasing both units. Opportunities like this are rare in such a prime coastal location. All measurements, details, and information should be verified by buyer and/or buyer's representative.

5220 Beach Drive, Panama City

$610,000

3 Beds ⋅ 2 Baths ⋅ 790733 MLS

Welcome to laid-back coastal living in the South Lagoon area of Panama City Beach where beach days, boating adventures, and golf cart rides become part of everyday life. This beautifully designed beach house blends durability, style, and comfort with an all Hardie Board exterior, a striking metal roof, and a spacious two-car garage. With plenty of room for beach gear, water toys, and extra storage. Inside, the home feels fresh, bright, and inviting with soaring trey ceilings, luxury vinyl plank flooring in a hand-scraped finish, and soft coastal-inspired colors that instantly create a relaxed vacation atmosphere. A well though out split floor plan offers privacy for the spacious primary suite, complete with an attractive ensuite bath and generous walk-in closet. The heart of the home is the open-concept kitchen and living area, featuring quartz countertops, stainless steel appliances, and plenty of room to gather with family and friends after a day on the water or at the beach. Every detail was selected with both style and easy coastal living in mind. Located in a fun, golf-cart-friendly neighborhood with no HOA and no flood insurance required, this home offers the freedom to truly enjoy the Panama City Beach lifestyle. Spend mornings launching the boat from one of two nearby public boat ramps, afternoons soaking up the sun on the sugar-white beaches just a short walk away, and evenings cruising the neighborhood by golf cart to local restaurants, marinas, and entertainment. Whether you're searching for a full-time residence, vacation getaway, or investment property, this South Lagoon gem delivers the perfect combination of beach charm, convenience, and everyday paradise. Schedule a private tour today, fall in love and make an offer!

6003 Hilltop Avenue, Panama City Beach

Biltmore Beach Homes with False Waterfront

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