Panama City Beach Homes under $300,000

Welcome to Panama City Beach, Florida, a stunning coastal gem nestled in Bay County. Known for its pristine white-sand beaches and vibrant turquoise waters, this idyllic destination offers a perfect blend of relaxation and adventure. Whether you're seeking a tranquil retreat or an active lifestyle filled with outdoor activities, Panama City Beach has something for everyone.

Beyond the breathtaking shoreline, this charming city boasts a lively community atmosphere, with an array of dining, shopping, and entertainment options. From fresh seafood restaurants to quaint boutiques, you'll find plenty to explore. Nature lovers can indulge in the area's numerous parks, hiking trails, and water sports, while families will appreciate the kid-friendly attractions and events that take place throughout the year.

For those looking to call Panama City Beach home, the real estate market offers exciting opportunities, especially for budget-conscious buyers. Homes under $300,000 can be found throughout the area, providing an excellent chance to invest in your slice of paradise. Whether you're searching for a cozy beach cottage, a modern condo, or a charming single-family home, there are options that cater to various tastes and lifestyles.

With its inviting community, stunning natural beauty, and affordable housing options, Panama City Beach presents an ideal location for first-time homebuyers, retirees, or anyone looking to embrace the coastal lifestyle. Discover the magic of this enchanting city and let your dreams of beachside living come true!

Newest Panama City Beach Homes under $300,000

$289,000

3 Beds ⋅ 2 Baths ⋅ 1013372 MLS

Welcome Home! This updated 3BR/2BA home is located in the West End of Panama City Beach, in the Laguna Beach area, just 6 blocks from the white sandy beaches and minutes from shopping and dining. Situated on an ideal quarter-acre lot, the property offers ample outdoor space and privacy, and is perfect for building your dream home or enjoying as-is. Recent improvements include an HVAC system, septic tank, LVP flooring and high-traffic carpet, new toilets and vanities, fresh interior paint, roof replacement, and PEX plumbing, providing added value and peace of mind for the next owner. The spacious backyard features a generous workshop and a covered deck with granite countertops--perfect for outdoor entertaining, storage, or additional prep space for grilling and cooking.

625 Malaga Pl, Panama City Beach

6901 N Lagoon Dr Unit UNIT 37, Panama City Beach

$215,000

2 Beds ⋅ 2 Baths ⋅ 1013343 MLS

Life waterfront on Grand Lagoon is calling. This beautifully renovated, fully furnished, ground-floor condo is stunning. And with your boat never far away at the dock and the white sandy beach just a short drive down the road, this is an incredible second home or primary residence. This 2-bedroom, 2-bath home is truly move-in ready. Freshly renovated and furnishings included, start your mornings on the covered back patio with a cup of coffee before heading out on the water. The galley kitchen is bright and inviting, with white cabinets, stainless appliances and a decorative tiled backsplash. Gather for dinner and settle into the spacious living room after a long day of sun and salt air after being at the pool. Ground-floor living means no hauling beach gear, groceries, or fishing tackle up the stairs! Both bedrooms are generously sized with plenty of closet space, so there's room for guests to settle in comfortably. Both baths have been fully renovated with new tiled showers, new vanities, and new toilets. A full size washer and dryer are also included in the unit making it a great place to stay for long trips. With water views, furnishings included, this condo needs nothing but you! The best part waits just outside your door. Palisades offers a waterfront boat dock and fish cleaning station right on Grand Lagoon. Dock your boat, and you're a short cruise from Shell Island's crystal-clear shallows or the open Gulf for a day of fishing. Come back in with the catch of the day and clean it right on site. If fishing isn't your thing, grab a paddleboard or kayak and explore the calm waters of the lagoon, or head a few minutes to the World's Most Beautiful Beaches. In between adventures, cool off in the community pool, community pool play a match on the community tennis courts. Boat slips are first come, first served and you may leave your boat in the water as long as you'd like. Like to keep your boat in dry storage at Pirates Cove or Treasure Island just down the road? This is perfect to take your boat out of storage and keep it behind your own condo whenever you want! Some of Panama City Beach's most popular restaurants and waterfront hangouts are just minutes away, so sunset dinners and live music are always close by. Whether you're looking for a full-time home, a weekend escape, or a place to make your beach-life dreams come true, Unit 37 has it all. HOA fees include water, sewer, garbage, exterior insurance, community room, dock, pool, tennis, groundskeeping and cable.

6901 N Lagoon Dr Unit UNIT 37, Panama City Beach

520 N Richard Jackson Blvd Unit UNIT 112, Panama City Beach

$199,000

1 Baths ⋅ 1013256 MLS

Discover the exceptional opportunity to own Villa #112 at Edgewater Beach & Golf Resort, one of Panama City Beach's most sought-after gated resort communities. This extremely rare studio floor plan offers the full Edgewater resort experience while featuring the lowest HOA dues in the entire complex. This fully furnished, ground-level villa offers a unique combination of comfort, convenience, and privacy, with beautiful golf course views from both the living area and private back patio. Ground-level living means easy access with parking immediately outside the front door--no stairs, elevators, or long walks when unloading luggage, groceries, or beach gear. The villa is also conveniently located directly beside one of Edgewater's many heated villa pools. Owners and guests enjoy an impressive array of resort amenities, including the spectacular 11,000-square-foot lagoon-style pool, 10 additional heated pools, hot tubs, on-site restaurants and bars, a nine-hole golf course, tennis and pickleball courts, and more. Getting to the beach is simple, with a short walk across the Edgewater Walkover Bridge or complimentary tram service providing easy access to the lagoon pool and beachfront. Beyond the resort gates, an outstanding selection of restaurants, shopping, entertainment, a convenience store, bowling, and other attractions are just moments away. The Bay County Pier is also approximately two blocks from the resort.

520 N Richard Jackson Blvd Unit UNIT 112, Panama City Beach

101 Cain Rd Unit UNIT H, Panama City Beach

$209,900

1 Baths ⋅ 1013165 MLS

Owner Financing Available With Acceptable Terms! This first floor condo (NO Stairs to Climb) located at Pirate's Cove offers affordable living just steps to the water. This quaint community offers beautiful views of Lake Powell where you can enjoy a day of jet skiing, kayaking and paddleboarding all the way to the gulf. There is also a pier for a day of fishing, a boat launch and two community pools, one of which is directly off of the patio and the other overlooks the lake. This cozy, first floor studio unit comes fully furnished and will be perfect for a rental or to call home. At Pirate's Cove, you are just a short commute to the beach, Camp Helen State Park and great shopping, dining and attractions that 30A and Panama City Beach offer. Don't miss out on this opportunity to own an affordable piece of paradise. Buyer to verify all information deemed important.

101 Cain Rd Unit UNIT H, Panama City Beach

9850 S Thomas Dr Unit UNIT 1006E, Panama City Beach

$269,000

1 Beds ⋅ 1 Baths ⋅ 1012987 MLS

'A'' units are the largest in the building. . Sunbird is a gated beachfront community that has recently received a refresh with new exterior paint, updates, and new beautiful landscaping, new exterior windows and doors and rails on balconies. Spend your day enjoying three swimming pools, including a pool heated during the cooler months. There is a wrap around composite sun decks and grills around the pool sunbathing areas. The upgraded fitness center, pickleball courts, and tennis court provide plenty of ways to stay active. Given the rarity of ''A'' units, this opportunity won't last long. Act quickly to secure this exceptional property! Imagine 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

520 N Richard Jackson Blvd Unit UNIT 1804, Panama City Beach

$256,500

2 Beds ⋅ 2 Baths ⋅ 1012780 MLS

Turnkey and rental-ready, Edgewater Villa 1804 is a ground-floor 2-bedroom, 2-bath condo offering convenient access and a spacious split floor plan. Interior updates include granite countertops, updated cabinetry, tile flooring throughout, modern furnishings, and a primary bath with a walk-in shower and double vanity. The private patio overlooks the pond, fountain, golf course, and surrounding wildlife, creating a peaceful outdoor setting. Edgewater Beach & Golf Resort features an array of amenities including pools, golf, fitness facilities, racquet sports, on-site dining, and beach access along the sugar-white sands of Panama City Beach. Schedule your private showing today.

520 N Richard Jackson Blvd Unit UNIT 1804, Panama City Beach

112 Fairway Blvd Unit UNIT 404, Panama City Beach

$194,900

2 Beds ⋅ 1 Baths ⋅ 1012606 MLS

Welcome to 112 Fairway Blvd, Unit 404, a charming 2-bedroom, 1-bath condo located in the desirable Colony Club community of Panama City Beach. Perfectly positioned along the golf course, this spacious unit features an enclosed patio overlooking the community pool and greens, creating a relaxing spot to enjoy the peaceful surroundings and beautiful views. Inside, you'll find an open living area filled with natural light, a functional kitchen, and generously sized bedrooms. Whether you're looking for a full-time residence or a Florida vacation retreat, this condo offers an easy, low-maintenance lifestyle in a convenient location. Colony Club features beautifully maintained grounds, a sparkling inground community pool, and a community room located beside the pool--an ideal space for private gatherings. Enjoy walking trails and a quiet residential setting while still being close to everything Panama City Beach has to offer. Located next to Holiday Golf Club, approximately four minutes from the beach and just two miles from Pier Park, you'll have shopping, dining, entertainment, golf, and the beautiful beaches of the Emerald Coast all within easy reach. HOA dues are approximately $450 per month and include Wi-Fi, basic cable, water, sewer, trash, building insurance, community management, pool, and community room. Come experience the convenience, views, and relaxed coastal lifestyle offered at Colony Club!

112 Fairway Blvd Unit UNIT 404, Panama City Beach

$224,500

2 Beds ⋅ 1 Baths ⋅ 1012593 MLS

321 Palm Dr, Panama City Beach

9900 S Thomas Dr Unit 1805, Panama City Beach

$265,000

1 Baths ⋅ 1012347 MLS

SHORES OF PANAMA STUDIO! DEEDED PARKING! FRESHLY UPDATED AND FULLY FURNISHED! This updated studio offers an excellent opportunity to own a furnished condo at one of Panama City Beach's most recognizable Gulf-front resorts. Located on the west side of the building, the balcony receives gentler morning sunlight and remains shaded from the more intense afternoon sun, creating a comfortable place to enjoy the coastal air later in the day. The interior has been refreshed with new paint throughout, including the ceilings, walls, baseboards, and cabinetry, while tile flooring extends throughout the entire unit. The combined living and sleeping space includes a king-size bed with matching side tables, a sofa, rocking chair, and a built-in pedestal-height granite table with swivel bar chairs. Nearly all of the furnishings are new, as are the kitchenware, microwave, and Smart TV. The table lamps include built-in charging ports and electrical outlets, while blackout curtains provide added comfort. The bathroom features a tub-and-shower combination, updated vanity mirror, and new vanity lighting. Other conveniences include a stackable washer and dryer and a wall-mounted air-conditioning unit replaced in 2024. The unit also conveys with a deeded parking space located on the ninth floor. Shores of Panama Resort is known for its expansive Gulf-front lagoon pool, one of the largest in Panama City Beach. The resort-style pool area features zero-entry access, palm-lined islands, fountains, a spacious hot tub, and direct beach access. 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, and entertainment nearby. Pineapple Willy's is adjacent to the resort, while Laketown Wharf, directly across the street, offers additional 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. Other 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 $1,820.93 per quarter. All information is deemed reliable but not guaranteed; buyer to verify if important.

9900 S Thomas Dr Unit 1805, Panama City Beach

17462 Front Beach Rd Unit 45-D, Panama City Beach

$210,000

1 Beds ⋅ 1 Baths ⋅ 1012280 MLS

BEACH ACCESS! FOUR POOLS! FULLY FURNISHED! Horizon South 45-D in Panama City Beach, Florida, is a second-floor 1-bedroom, 1-bath condo with hallway bunks, a private balcony, and a convenient location near the community pools. Enjoy Gulf breezes from the balcony along with the added privacy of an upper-floor position. Inside, shiplap accent walls add coastal character throughout, while luxury vinyl plank flooring covers the main living areas and tile finishes the bathroom. Additional features include new white vinyl windows, a flat-screen TV, and an in-unit stackable washer and dryer. The condo is offered fully furnished and ready for personal use or short-term rental opportunities. The HVAC system was replaced in 2022, and the water heater was replaced in 2018. Horizon South is a gated, golf cart-friendly community with convenient beach access and an extensive collection of amenities, including four pools, one seasonally heated pool, a kiddie pool, hot tub, tennis and pickleball courts, shuffleboard, mini golf, a newly renovated fitness center, billiards room, event space, on-site laundry facilities, and more. Owners may have pets, subject to association rules. Monthly HOA dues of approximately $505 cover water, internet, trash service, grounds maintenance, building insurance, and security. The association recently completed a major underground water-system renovation, and the related assessments have been paid in full. Horizon South is also convenient to Pier Park and Panama City Beach attractions, dining, and entertainment, including Pirates Voyage Dinner & Show, Topgolf, McGuire's Irish Pub, and Tootsie's Orchid Lounge. All information is deemed reliable but not guaranteed; buyer to verify if important.

17462 Front Beach Rd Unit 45-D, Panama City Beach

9900 S Thomas Dr Unit UNIT 1010, Panama City Beach

$300,000

2 Beds ⋅ 2 Baths ⋅ 1011516 MLS

SAME-LEVEL LEASED PARKING. BUNK ROOM WITH A DOOR. FRESHLY PAINTED. Shores of Panama 1010 is a fully furnished, 10th-floor Type F floor plan featuring one bedroom, an enclosed bunk room, one full bathroom, and one half bathroom. Tile flooring extends throughout the unit. The bunk room includes a door for separation from the main living area, an uncommon feature within this stack. The kitchen features Ubatuba granite countertops, updated cabinet hardware, and a stackable washer and dryer. The primary bedroom includes a king-size bed, and flat-screen televisions are located in the primary bedroom, bunk room, and living room. The freshly painted interior is furnished for continued rental use. The leased parking space is located shortly after entering the 10th-floor parking level, providing covered, same-level access to the unit without changing floors. The corner balcony overlooks the lagoon-style pool and surrounding resort grounds. Additional equipment details include a 2015 water heater and the original HVAC system. Shores of Panama is a Gulf-Front resort centered around an expansive zero-entry lagoon-style pool with palm-lined islands, fountains, and a large outdoor hot tub. Additional amenities include private beach access, an indoor heated pool and hot tub, a 24-hour fitness center, a seasonal poolside Tiki bar, and covered parking. Located in the heart of Panama City Beach, Shores of Panama is adjacent to Pineapple Willy's and directly across from Laketown Wharf, offering nearby dining, shopping, and entertainment. Additional Panama City Beach attractions include Pirates Voyage Dinner & Show, Topgolf, McGuire's Irish Pub, and Tootsie's Orchid Lounge. HOA dues are currently $3,507.11 per quarter. One special assessment installment remains in the amount of $1,218.04, due in the fourth quarter of 2026. All information is deemed reliable but not guaranteed; buyer to verify if important.

9900 S Thomas Dr Unit UNIT 1010, Panama City Beach

101 Cape Cod Dr Unit 101, Panama City Beach

$285,000

4 Beds ⋅ 3 Baths ⋅ 1011493 MLS

Rare opportunity to own a spacious 4-bedroom, 3-bath condo in the highly desirable Nautilus Cove community, located just one mile from the sugar-white sands and emerald waters of the Gulf. This coveted first-floor unit is one of only a select few within the community that allows short-term rentals, making it an exceptional investment opportunity, second home, or full-time residence. Estimated rental projections range from $66,000 to $86,000 annually. The thoughtfully designed floor plan offers plenty of space for family and guests, while residents enjoy gated access and resort-style amenities, including a community pool, fitness center, clubhouse, and playground. Conveniently located near shopping, dining, entertainment, and Panama City Beach attractions, this property offers the perfect blend of coastal living, convenience, and income potential. If measurements deemed important, please verify.

101 Cape Cod Dr Unit 101, Panama City Beach

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