Harmon Plat Real Estate, Homes, Condos for Sale in Panama City, FL

Prof. photos coming.....Located in Panama City's Historic Cove, this modern 3-bedroom, 2-bathroom Coastal Craftsman at 205 Harmon Avenue offers the ultimate blend of historic charm and modern comfort, completely free of HOA restrictions or fees. Positioned just one block from the Beach Drive corridor and St. Andrews Bay, daily life includes easy walks along the water and breathtaking evening sunsets. Built in 2014, the home features 1,848 square feet of easy-living space paired with a durable metal roof. High ceilings and crisp architectural details frame light-filled living areas, where sleek tile flooring flows seamlessly through the central living room, kitchen, formal dining space, and formal sitting room. The primary suite provides a peaceful private retreat, while two additional bedrooms offer flexible space for guests, family, or a home office. Outdoor living is effortless with classic covered front and rear porches that overlook a private, privacy-fenced backyard complete with a detached two-car garage. The Historic Cove neighborhood is widely celebrated as one of Panama City's most cherished waterside communities, renowned for its oak-canopied streets and tight-knit social fabric. Residents enjoy an active coastal lifestyle marked by neighborhood traditions like seasonal golf cart parades, block gatherings, and community events. Less than a mile from downtown, you are walking distance from local coffee shops, boutiques, weekly farmers markets, and lively city parades, all while being under 30 minutes from the World's Most Beautiful Beaches. 205 Harmon Avenue captures timeless Coastal Craftsman character with the low-maintenance peace of mind of modern construction.

205 Harmon Avenue, Panama City

$296,000

3 Beds ⋅ 2 Baths ⋅ 784339 MLS

CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS. Rare opportunity in the Cove, Panama City! Two-dwelling properties like this are hard to find. This already income-producing setup includes three structures total: The primary, front house, an entirely separate guest house (ADU), and a storage building with enough space for both homes. The upgrades, separate utility meters, proven rental history, and privacy fencing for each home makes this find ideal for investors, house hacking, multi-generational living, or versatile rental strategies! Just ½ mile from Harrison Avenue and downtown Panama City, you're right near the heart of a revitalized waterfront district filled with local shops, restaurants, breweries, galleries, and year-round community events along St. Andrews Bay. The front home is fully renovated (2023) and vacant, offering 2 bedrooms, 1 bathroom, and 859 sq. ft. Recent updates include a new A/C (2025, under warranty), impact skylight, appliances, washer & dryer, plumbing, flooring, blinds, a privately fenced yard, spacious off-street parking, and designated storage. Previously rented for $1,900 and $1750/month. The back home features 1 bedroom, 1 bathroom, and 470 sq. ft., with a new split A/C (2026), covered patio, private fenced yard, and its own driveway with alley access - perfect for rental income, guests, office space, relative housing, or a private retreat for yourself. It's a versatile space ready to be tailored to your vision. It is currently income producing, bringing in a steady $900 per month. A third structure provides a dedicated laundry room for the back house plus a second room for additional storage, adding convenience and tenant appeal. Separate electric and water meters for each unit allow for streamlined management and true income potential. This property is essentially a 2-for-1 steal! Located in one of Panama City's most established and sought-after neighborhoods, this property blends character, convenience, and long-term value just minutes from downtown, the bay, and everything that makes the Cove so special! Come see for yourself.

206 E 2nd Court Unit A & B, Panama City

$250,000

3 Beds ⋅ 2 Baths ⋅ 764750 MLS

CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS. This is a true Florida cottage offering classic charm. Nestled in the historic Cove neighborhood and a leisurely 15 minute walk away from the vibrant downtown area and scenic waterfront walkways. Inside, you'll find timeless black-and-white tile flooring in the kitchen, creating a sophisticated yet welcoming atmosphere. Throughout the home are, genuine hardwood floors that add warmth and character to the space. The screened-in back porch is a true sanctuary, surrounded by lush trees that offer shade and privacy—perfect for enjoying Florida's beautiful weather. HVAC, water heater and roof all replaced in 2019.

304 E 2nd Court, Panama City

$400,000

4 Beds ⋅ 3 Baths ⋅ 755183 MLS

This property does need some work. The front part of the house needs a sub floor. The windows need to be replaced. A new roof was added in 2020 after Hurrican Michael. The A/C was replaced after HM but it has a freon leak and is not working at this time. Seller is motivated! Make an appt to see this home. There is so much potential in this home. The location is phenomenal. View the Bay from many places in the home including the front porch. Prepare to be captivated by this 4-bed, 3-bath treasure at 115 E 2nd St, Panama City, FL, showcasing 2,792 sqft of living space that merges timeless charm with modern elegance. Step inside to discover a spacious living room, where vaulted ceilings with tasteful beams soar above and a quaint fireplace invites cozy moments. Built-in shelves offer a canvas for your personal library and treasures. Culinary adventures await in the stylish kitchen, boasting chic tile backsplash and sleek stainless-steel appliances. The breakfast bar offers a congenial spot for morning coffee chats. Indulge in the luxurious master bath, where an expansive soaking tub emulate a spa-like serenity. The versatile Florida room provides a sunlit nook for leisure or creative pursuits, complemented by an office space designed for optimal productivity. The fenced backyard is a private sanctuary featuring a stone paver patio and a majestic live oak tree, ideal for open-air festivities or peaceful reflection by the fire pit. Located in the vibrant heart of Historic Downtown Panama City, this dwelling promises an eclectic lifestyle with access to unique shops, diverse cuisine, and a community rich in artistry and history. There is a 300 ft dock (that needs to be rebuilt) on beach drive that is part of the sale of this property. It is shared by 3 properties.

115 E 2nd Street, Panama City

$495,000

4 Beds ⋅ 3 Baths ⋅ 751543 MLS

Welcome home to this exquisite 4-bedroom, 3-bathroom gem that seamlessly blends comfort and sophistication. As you step through the front door, the spacious living area welcomes you with vaulted ceilings adorned with elegant beams, creating an airy and inviting atmosphere. The focal point of the room is a charming gas fireplace, perfect for cozy gatherings with family and friends. The living area is not only aesthetically pleasing but also functional, boasting built-in shelves that provide ample storage space and add a touch of character to the room. Imagine displaying your favorite books, art, and keepsakes on these custom shelves, creating a personalized and warm ambiance. The kitchen is a culinary dream, featuring a stylish tile backsplash that beautifully complements the stainless-steel appliances. The breakfast bar is a versatile space for casual dining or a quick morning coffee, making every meal a delightful experience. The attention to detail continues into the master bath, where you'll find separate vanities complete with a convenient make-up area. The oversized shower adds a luxurious touch, creating a spa-like retreat within the comfort of your own home. For added versatility, there's a charming Florida room, ideal for enjoying the sunshine while protected from the elements. Need a dedicated workspace? Utilize the additional office space, providing the perfect environment for productivity and focus within the comfort of your own home. Step outside into the large privacy fenced backyard, a haven for relaxation and entertaining. The stone patio pavers provide an elegant and low-maintenance outdoor space, perfect for al fresco dining or simply enjoying the serene surroundings. Plus, enjoy the shade and beauty of a large live oak tree, providing a natural and picturesque element to your outdoor oasis. For cozy evenings, gather around the paver fire pit, creating the perfect ambiance for relaxing under the stars or hosting memorable gatherings with loved ones. A storage building adds practicality, offering a dedicated space for tools, equipment, or seasonal items. As you drive up the stone paver driveway, take a moment to appreciate the tranquil water view that enhances the curb appeal of this stunning property. This home is not just a residence; it's a lifestyle, offering a perfect blend of modern amenities and thoughtful design. Don't miss the opportunity to make this dream property your own - schedule a showing today and envision the possibilities that await you!

115 E 2nd Place, Panama City

$1,000,000

8 Beds ⋅ 4 Baths ⋅ 753256 MLS

Currently under contract - seller accepting back up offers. A truly unbelievable RARE opportunity to own a multi-family QUAD that is waterfront in the historic Cove neighborhood awaits. This quad-plex sits on the corner of Beach Drive and Cherry Streets and boasts the most incredible sunsets in Panama City, Florida! This multi-family home is comprised of four units, all of equal size, and has 2 bedrooms, 1 bath in each as well as their own stackable washer/dryer in each unit. Each unit is metered separately for water, sewer and electricity making it an easy income-producing investment. The property offers parking in the back of the home and is large enough to add a pool which would create an even more profitable investment! Imagine the guests and tenants that would rent a historic waterfront unit this close to the fast-growing Downtown District of Panama City! With the notoriety of the historical landmark of ''Bunkers Point Building'' by the Historical Society of Bay County, this is sure to be a draw for guests and tenants alike! The property offers little to maintenance, as well. The home had a new roof installed in November 2018 and each unit had new appliances, hot water heaters, HVAC and stackable washer/dryers in 2019. This property located in the heart of the Cove and adjacent to Downtown Panama City offers walkability to restaurants, shopping, farmers markets, festivals and more! Watch the fireworks for July 4, take waterfront strolls along Beach Drive and sit in your front yard enamored with the shimmering water views of St. Andrews Bay! This property is zoned MU-3 providing many possibilities for a buyer. Currently being used a long term rental, short term rentals ARE ALLOWED and gives a savvy investor the opportunity to increase rents and maximize the return on this waterfront gem! Other uses for MU-3 include but are certainly not limited to: bed and breakfasts, private school, professional offices, grocery and convenience retail store, food establishment and so much more! Please see the City of Panama City for full zoning information. Two of the units can be accessed from the ground level and two of the units can be accessed from the second level. Each unit is single level throughout. The units each have a bedroom and living room that face the beautiful waterfront. There is a kitchen, bedroom and bathroom overlooking the lush landscaping and hundred year old oak trees in the back yard. The dining room is conveniently located in the center of the unit and makes for a great open layout! This is an amazing opportunity for an investor looking to expand their multi-family portfolio, a professional looking to create an office in a neighborhood and have income producing units above, or an individual looking to live in one unit and rent the other three year-round. The possibilities are ENDLESS with this waterfront multi-family QUAD!

709 E Beach Drive, Panama City

$299,000

3 Beds ⋅ 2 Baths ⋅ 753596 MLS

CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS. Only 2 Blocks from the Bay & a short walk to downtown Panama City! This Florida cottage sits on a fenced corner lot in the Cove. The interior of the home features 3 Bedrooms and 2 Bathrooms. The kitchen is very spacious and is open to the living area. If you love natural light this home is for you! There are lots of windows to bring in that beautiful Florida sunshine. The exterior of the home features a covered patio, covered parking and a storage shed. There is also a separate gate in the backyard for boat storage. Schedule your showing today!

300 E 2nd Street, Panama City

$460,000

3 Beds ⋅ 3 Baths ⋅ 754018 MLS

Stunning 3 bedroom 2.5 bath home nestled among the Cove Oaks which survived Hurricane Michael and just 2 blocks from St. Andrew Bay and it's spectacular sunsets. House offers original hardwood flooring, tile in wet areas, new A/C 2020, new roof and new hardy wood siding on home, garage and attached office/shop, fresh paint inside and out, custom shutters, upgraded appliances, new stainless double sink in kitchen, new master double vanities, new lighting, new glass doors with inside blinds, and so much more, you will find custom touches in every room in this amazing home. When entering the home you will notice the very open floor plan which includes the living room, dining room, and kitchen and cozy den complete with a wood burning fireplace. The cook in the family will appreciatethe gourmet kitchen equipped with new KitchenAid gas cooktop with down-draft ventilation, wall oven combo and dishwasher, also a stainless refrigerator, there is plenty of prep and counter space, large breakfast bar making it a place for all of your entertaining. Master suite is very roomy, large tile shower, garden tub and a huge walk in closet with complete with California closet shelving. Plenty of storage space with the large closets, outdoor storage room, utility house and carport attic storage. Ready to entertain look no further this home has a new privacy fenced back yard lined with pavers offering a 20x20 covered outdoor living area, large kitchen/counter space, stainless refrigerator, wine refrigerator, ceiling fans, lighting, fire pit and wired for your electronics. Property has been professionally landscaped, lawn irrigation system the owners even made sure the decorative entry way door matched the house shutters, attention to detail was paid throughout. Homes like this seldom become available, call for your private showing today. All ages, sizes including sq. ft. are approximate measure if important.

207 Allen Avenue, Panama City

$282,500

3 Beds ⋅ 3 Baths ⋅ 763544 MLS

CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS. Beautiful Cove charmer with in-law suite! This solidly built home features a renovated kitchen, updated plumbing & wiring, gas tankless water heater, corner lot with alley access, composite decking, and a she-shed. Each bedroom has its own bathroom. The living area is huge! This home features in-law suite that can be closed off from the rest of the home since it has its own entry, kitchen, bathroom, water heater, living area, and a wheel chair ramp if needed. The beautiful lot features old growth oaks and a magnolia. Located only minutes from St Andrews Bay public access, Ascension Sacred Heart Hospital, shopping, dining, and the world's most beautiful beaches!

321 E 1st Court, Panama City

$459,000

4 Beds ⋅ 5 Baths ⋅ 766438 MLS

Charming Coastal Home in the Coveted Bunkers Cove, 1 Block from the Shoreline, 4 bedrooms, 4 bathrooms with Airbnb income potential w Guest Quarters. Photographers come from all around to film our Beautiful Sunsets. Completely remodeled. Dual HVAC Systems. Fully insulated and varmint proofed. Dual glazed retrofit windows. 100% new electric, 100% new plumbing. Rich wood surfaces. Nice enclosed patio, Nice back yard. Electric car charging station. Living Room, Dining Room, Breakfast Room, New Kitchen with Granite tops, Laundry Room and more.. There is also a 1 Bedroom 1 bath guest quarters w kitchen & laundry that could fetch approx. $2500/mo Airbnb potential separately. X- Large 3 car Garage, Fenced RV / Boat Parking w hookups. Rare remodeled large home/lot w separate income unit potential

130 Harmon Avenue, Panama City

$415,000

4 Beds ⋅ 2 Baths ⋅ 768582 MLS

Charming & Renovated Duplex in Historic Cove - Investment Opportunity! Welcome to 124-126 E 2nd Place, Panama City, a beautifully updated duplex in the heart of the historic Cove neighborhood. Just moments from St. Andrews Bay and downtown Panama City, this property offers a blend of historic charm and modern convenience, making it perfect for investors or those seeking a home with rental income potential. Each unit features an identical floor plan, offering a functional and spacious layout. From the upstairs unit's porch, you can enjoy views of the water, creating a peaceful retreat right at home. The recently completed Beach Drive, just a short walk away, provides the perfect setting for biking, jogging, or leisurely strolls along the bay. With downtown Panama City only minutes away, you can easily explore local shops, restaurants, and entertainment—all within a 10 minute walk, or biking distance. In 2023, major updates were completed, including new drywall, insulation, electrical, and plumbing. Updates have enhanced both the interior and exterior, with fresh paint, upgraded flooring, updated kitchens and bathrooms, and carefully restored details that highlight the home's character. The property also features thoughtfully designed outdoor spaces, added parking, and stylish finishes throughout. Currently furnished as a vacation rental, this duplex is move-in ready and offers a turnkey investment opportunity. Whether you're looking to generate passive income, or own a piece of Panama City history, this versatile property is a rare find in a prime location. Reach out today to learn more!

124 E 2nd Place, Panama City