The Summit Homes under $350,000

The Summit Homes under $350,000

Welcome to The Summit, a picturesque subdivision nestled in the heart of Bay County, Florida. This charming community is a hidden gem that offers residents a perfect blend of tranquility and convenience. With its lush landscapes, friendly neighbors, and a welcoming atmosphere, The Summit is the ideal place to call home.

One of the standout features of The Summit is its diverse selection of homes, many of which are attractively priced under $350,000. This affordability makes it a fantastic option for first-time homebuyers, growing families, or those looking to downsize without compromising on quality. Each residence showcases unique architectural styles, spacious layouts, and modern amenities, ensuring that every homeowner can find their perfect match.

Living in The Summit means enjoying a vibrant community with access to a variety of local attractions. Residents can take advantage of nearby parks, recreational facilities, and scenic trails, perfect for outdoor enthusiasts and families alike. The subdivision is conveniently located close to schools, shopping centers, and dining options, making everyday life a breeze.

In addition to its prime location and affordable housing, The Summit is known for its strong sense of community. Neighbors often come together for events and gatherings, fostering a warm and inviting environment that truly feels like home.

If you’re looking for a place where comfort meets community, The Summit in Bay County, Florida, is waiting for you. Discover your dream home today and experience the charm of this delightful subdivision!

Newest The Summit Homes under $350,000

8743 Thomas Drive Unit 421, Panama City Beach
$349,900
1 Beds ⋅ 2 Baths ⋅ 795122 MLS
Beautifully remodeled 4th-floor condo at the Summit. Unit 421! This 1-bedroom, 1.5 bath unit was completely remodeled in 2025 and is truly turnkey and rental-ready. -Updates include a new electrical panel, all new plumbing, new AC, new tile flooring, a gorgeous new walk-in shower, new cabinets with granite countertops, new appliances, updated bathroom vanities with granite tops, new furniture and smart TVs. This condo is currently on the vacation renal program and generating good rental income, making it an excellent investment opportunity or personal beach getaway, fully furnished and ready for guests.

8743 Thomas Drive Unit 421, Panama City Beach
8743 Thomas Drive Unit 1408, Panama City
$325,000
1 Beds ⋅ 2 Baths ⋅ 793544 MLS
Fully Remodeled & Turnkey Gulf-Front Vacation Rental! This beautifully updated 14th-floor condo at The Summit offers breathtaking Gulf views and is rental-ready from day one. Sold fully furnished, this spacious 1BR/1.5BA comfortably sleeps up to 5 guests with a king bedroom, hallway bunks, sleeper sofa, a modern fully equipped kitchen, and a private beachfront balcony. The Summit is one of Panama City Beach's most sought-after resorts, featuring two beachfront pools, hot tubs, tennis courts, a fitness center, on-site dining, a convenience store, and direct beach access. Ideally located on Thomas Drive, just minutes from restaurants, shopping, entertainment, and St. Andrews State Park. Whether you're searching for a proven investment property or your own beachfront escape, this fully remodeled, turnkey condo is ready for you!

8743 Thomas Drive Unit 1408, Panama City
8743 Thomas Drive Unit 1212, Panama City Beach
$315,000
1 Beds ⋅ 2 Baths ⋅ 793462 MLS
A beautiful 12th floor beachfront condo with amazing gulf views! Located in The Summit Condominium Beach Resort - close to Ripleys Believe-It-Or-Not, ZooWorld, PierPark, Shipwreck Islnd Waterpark, minigolf & more! This has been a great rental and is being sold fully furnished! -Brand new HVAC! -1 Setup of 2 Beach Chairs & Umbrella included paid for thru Oct 2026. -2 Pools (1 Pool is Heated!), Hot Tub + Sauna -Fully Equipped Kitchen + Dishwasher -Washer & Dryer in unit -High Chair, Pack-n-play -Tiki Bar -Bikini Bobs Restaurant -Fitness Center -Tennis + Basketball + Shuffleboard Courts -Arcade -Convenience Store Market ***This is an active vacation rental so showings will be limited to times between guests.***

8743 Thomas Drive Unit 1212, Panama City Beach
8743 Thomas Drive Unit 418, Panama City
$319,000
1 Beds ⋅ 2 Baths ⋅ 793331 MLS
LOW FLOOR. CENTER-BUILDING POOL AND GULF VIEWS. The Summit 418 is a one-bedroom, one-and-a-half-bathroom condominium in Panama City Beach, Florida, featuring a hallway bunk area and direct views of the beach, the Gulf, and the resort pools below. Positioned near the center of the building, this fourth-floor unit offers a balanced view of both beachfront pools, the beach access, and the Gulf beyond. The interior features tile flooring throughout the main living areas and luxury vinyl plank flooring in the bedroom. Coastal-style furnishings and décor complement the updated windows and sliding glass door, while flat-screen televisions are located in both the living room and bedroom. The bedroom includes a king-size bed, and the hallway bunk area provides an additional sleeping space. Shiplap accents extend along the hallway and across the hallway and bathroom ceilings. Both bathrooms feature new vanities, updated lighting, and tall toilets, while the full bathroom also includes a tile tub-and-shower combination. An all-in-one washer and dryer is located inside the unit. The fully equipped kitchen includes granite countertops, a tile backsplash, a stainless-steel sink, and an industrial-style faucet. Polywood furniture is included on the balcony. The HVAC system was replaced in 2020, and the water heater was replaced in 2018. The Summit is a gated Gulf-front condominium offering two beachfront pools, including one that is seasonally heated, two poolside hot tubs, two children's pools, an indoor sauna, an exercise room, a game room, shuffleboard, and lighted pickleball courts. On-site conveniences include an ice cream shop, gift shop, convenience store, and Bikini Bob's Grill & Bar. The property is also located near Panama City Beach attractions, dining, entertainment, and nightlife, with Tootsie's Orchid Lounge next door and destinations such as Pirates Voyage Dinner & Show, Topgolf, and McGuire's Irish Pub nearby. All information is deemed reliable but not guaranteed; buyer to verify if important.

8743 Thomas Drive Unit 418, Panama City
8743 Thomas Drive Unit 1202, Panama City Beach
$280,000
1 Beds ⋅ 2 Baths ⋅ 791979 MLS
Welcome to one of the most compelling investment opportunities on Panama City Beach. Positioned directly beside the all-new Tootsie's Orchid Lounge--now occupying the legendary former Spinnaker Beach Club--The Summit is poised to benefit from one of the area's biggest new entertainment destinations. This high-profile addition is expected to drive increased visitor traffic, extend guest stays, and strengthen rental demand, making an already proven income-producing resort even more attractive to investors. The Summit has long been recognized as one of Panama City Beach's premier short-term rental destinations, with decades of strong rental performance. Its unbeatable Gulf-front location, extensive resort amenities, and walkable access to restaurants, nightlife, attractions, and family entertainment continue to deliver exceptional appeal for both owners and vacationers. This fully furnished, rental-ready condo offers unobstructed Gulf views from its private balcony and features several valuable updates, including an upgraded tile walk-in shower, new windows, a new sliding glass door, new balcony railings, and an in-unit washer and dryer. The thoughtfully designed floor plan includes a king bedroom, hallway bunk beds, and a convenient half bath. Guests enjoy an unmatched resort experience featuring two Gulf-front swimming pools (one seasonally heated), children's pools, indoor and outdoor hot tubs, saunas, a fitness center, tennis and pickleball courts, shuffleboard, a poolside tiki bar, on-site dining at Bikini Bob's, barbecue and picnic areas, gated 24-hour security, and private beach access. Across the street are amusement attractions, restaurants, shopping, and entertainment, creating the convenience today's vacation renters actively seek. Whether you're expanding your investment portfolio or purchasing your first beachfront income property, The Summit continues to prove why it remains one of Panama City Beach's most dependable cash-flowing condominium communities. With the arrival of Tootsie's adding a powerful new demand driver next door and this unit's recent upgrades already in place, the future potential has never looked stronger. All information is deemed reliable but should be independently verified by buyers if important.

8743 Thomas Drive Unit 1202, Panama City Beach
8743 Thomas Drive Unit 810, Panama City Beach
$314,900
1 Beds ⋅ 2 Baths ⋅ 791705 MLS
$55,537 in gross rental revenue from July 2025-July 2026 -- equivalent to approximately 18% of the current asking price in gross rental revenue! Even more impressive, this income was generated while the unit was off the rental market from November 2025 through April 2026 due to the resort's balcony renovation project. Beautifully updated 8th-floor, direct-beachfront 1BR/1.5BA with Gulf views from the private balcony and direct private beach access. The unit features a quartz-countertop kitchen with mosaic tile backsplash and stainless-steel appliances, updated bathrooms with new vanities, luxury plank flooring, a stylish sliding barn door, and more. Sleeping accommodations include a king-size bed with a new memory-foam mattress, a queen-size sleeper sofa with a new memory-foam mattress, and a built-in twin-over-twin bunk bed. Additional highlights include an electric fireplace, in-unit washer/dryer, two TVs, and tasteful coastal décor. Fully furnished and turnkey, with established Airbnb and VRBO listings and hundreds of 5-star reviews, making this an established and proven vacation rental. The Summit offers Gulf-front pools, children's pools, indoor and outdoor hot tubs, saunas, a fitness center, tennis, pickleball, shuffleboard, a tiki bar, an on-site Bar & Grill, gated 24-hour security, and private beach access. Conveniently located near the new and highly popular Tootsie's, as well as dining, entertainment, and popular Panama City Beach attractions. Minimal maintenance and easy ownership make this an especially attractive vacation-rental investment or second home. With proven rental income, an attractive purchase price, an unbeatable location, and direct Gulf access, opportunities like this don't come along often!

8743 Thomas Drive Unit 810, Panama City Beach
8743 Thomas Drive Unit 523, Panama City Beach
$334,789
1 Beds ⋅ 2 Baths ⋅ 789667 MLS
Gulf-front investment opportunity at Summit Beach Resort in Panama City Beach. This beautifully maintained one-bedroom, one-and-a-half-bath condominium offers stunning, unobstructed views of the Gulf of Mexico from a private balcony and a highly functional floor plan that comfortably accommodates up to six guests. The unit features a fully renovated kitchen, in-unit washer and dryer, spacious living area with sleeper sofa, luxury vinyl plank flooring throughout, and wood-look tile in the oversized primary bedroom. Additional highlights include hallway bunk beds and a convenient Jack-and-Jill bathroom design, making the layout ideal for vacation rentals and family getaways alike. Summit Beach Resort is a highly sought-after, amenity-rich beachfront resort offering multiple pools, hot tubs, sauna, tennis courts, shuffleboard, an on-site Tiki bar, grilling area, arcade/game room, playground, beach services, water sports, and a sundry shop. Whether you are seeking a strong short-term rental investment or your own personal beachfront retreat, this property offers immediate enjoyment with excellent income potential and long-term upside. Amazing income!

8743 Thomas Drive Unit 523, Panama City Beach
8743 Thomas Drive Unit 606, Panama City Beach
$299,000
1 Beds ⋅ 2 Baths ⋅ 784397 MLS
*** Motivated Seller *** Recent Price Improvement, dropped $30K Unit 606 at The Summit, is a beautifully situated Gulf-front condominium offering stunning coastal views and beachfront living at its best. This well-appointed residence features an open floor plan with abundant natural light, private balcony overlooking the sugar-white sands and emerald waters of Panama City Beach, and comfortable living space perfect for vacationing, full-time living, or investment ownership. Whether you're savoring morning coffee with sunrise over the Gulf or enjoying an evening breeze with sunset cocktails, this unit delivers the iconic coastal lifestyle buyers crave. Resort-Style Living at The Summit The Summit is one of Panama City Beach's most beloved beachfront communities, offering an array of amenities designed for fun, relaxation, and convenience: Direct private beach access with pristine shoreline just steps from your door Two Olympic-sized beachfront pools (one heated seasonally) plus children's pools Multiple hot tubs (including indoor options) and sauna/steam rooms Tiki Bar & onsite dining like Bikini Bob's Restaurant & Grill and Summit Market Fitness center, tennis courts, basketball, pickleball & shuffleboard courts Game room, picnic/BBQ areas, and 24/7 gated security Beach services including chair rentals, watersports, and parasailing available nearby for extra fun All of this makes The Summit not just a condo, but a full-resort destination right on the Gulf. Prime Location & Exciting New Neighbor Location couldn't be better , The Summit sits in the heart of Panama City Beach's vibrant coastal scene along Thomas Drive. In early 2026, the iconic Tootsie's Orchid Lounge is opening right next door, bringing tropical drinks, live music, and relaxed beach nightlife literally steps from your front door, a lifestyle and rental upside that's truly unmatched. Endless Nearby Activities & Attractions From family fun to outdoor adventure, this location puts you close to it all: Ripley's Believe It or Not! and WonderWorks for quirky, fun indoor entertainment St. Andrews State Park -- one of Florida's premier natural beach parks with fishing, trails, kayaking and picnicking ZooWorld Zoological & Botanical Conservatory -- interactive wildlife encounters Coconut Creek Family Fun Park and amusement options for all ages Dozens of great restaurants, bars, shops and local attractions just a short stroll or drive away A Smart Investment or Dream Getaway With The Summit's strong year-round appeal as a vacation rental destination, beachfront location, resort amenities, and new energy from Tootsie's next door, Unit 606 offers exceptional lifestyle value and future upside for investors or second-home buyers alike.

8743 Thomas Drive Unit 606, Panama City Beach
8743 Thomas Dr Unit 1028, Panama City Beach
$289,900
1 Beds ⋅ 2 Baths ⋅ 963892 MLS ⋅ 740 SqFt.
Beautifully updated and move-in ready, this Gulf-front condo at The Summit has been newly painted throughout and features stylish new coastal artwork, creating a bright, modern beach retreat that's ideal as a primary residence, second home, or vacation rental investment. The Summit in Panama City Beach. This 1-Bedroom, Two-Full-Baths, beachfront unit features panoramic Gulf views, direct deeded beach access, and a private balcony overlooking the white-sand shoreline. The Summit is a Gulf-front resort community offering two beachfront pools (one heated seasonally), two kiddie pools, indoor and outdoor hot tubs, sauna, fitness center, shuffleboard, and lighted tennis and pickleball courts. On-site conveniences include a Tiki Bar & Grill, ice cream shop, and a full-service convenience store. Open parking available. Prime location near St. Andrews State Park, marinas, restaurants, shopping, and popular Panama City Beach attractions. Strong potential for short-term vacation rental income or personal use All information is deemed reliable but not guaranteed; buyers are advised to verify if important.

8743 Thomas Dr Unit 1028, Panama City Beach
8743 Thomas Drive Unit 1028, Panama City Beach
$289,900
1 Beds ⋅ 2 Baths ⋅ 766470 MLS
Beautifully updated and move-in ready, this Gulf-front condo at The Summit has been newly painted throughout and features stylish new coastal artwork, creating a bright, modern beach retreat that's ideal as a primary residence, second home, or vacation rental investment. Gulf-front 10th-floor condo at The Summit in Panama City Beach. This 1-Bedroom, Two-Full-Bath beachfront unit features panoramic Gulf views, direct deeded beach access, and a private balcony overlooking the white-sand shoreline. The Summit is a Gulf-front resort community offering two beachfront pools (one heated seasonally), two kiddie pools, indoor and outdoor hot tubs, sauna, fitness center, shuffleboard, and lighted tennis and pickleball courts. On-site conveniences include a Tiki Bar & Grill, ice cream shop, and a full-service convenience store. Open parking available. Prime location near St. Andrews State Park, marinas, restaurants, shopping, and popular Panama City Beach attractions. Strong potential for short-term vacation rental income or personal use. All information deemed reliable but not guaranteed; buyer to verify if important. ts central location places you near St. Andrews State Park, marinas, popular restaurants, lively entertainment, and a variety of shopping options, ensuring you're never far from the best the area has to offer. The Summit, a gated community, provides an array of resort-style amenities to enhance your experience. Enjoy two beachfront pools, including one that is heated seasonally, along with two kiddie pools, poolside hot tubs, and an indoor sauna and hot tub for ultimate relaxation. The community features a fitness center, shuffleboard, and lighted tennis and pickleball courts for those seeking an active lifestyle. The poolside Tiki Bar & Grill offers a perfect spot to grab a bite while taking in the Gulf views, and the on-site ice cream shop and convenience store add to the ease of living here. Ample open parking ensures hassle-free access to your condo. Don't miss the chance to own this beautiful piece of paradise and start living the Gulf-front lifestyle you've always dreamed of. This condo is a great choice for personal use or rental income. Schedule your showing today! All information is deemed reliable but not guaranteed; buyers are advised to verify if important.

8743 Thomas Drive Unit 1028, Panama City Beach
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