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1085 Blazing Star Street Unit LOT 496 - WAVERLY PLAN, Panama City
$462,654
4 Beds ⋅ 2 Baths ⋅ 796994 MLS
Rates as low as 5.49% available with preferred lender! FHA financing: 5.49% interest rate; 6.372% APR. Limited availability; qualifications and restrictions apply. This financing incentive may not be combined with other incentives. See agent and lender for details. Coastal character and thoughtfully selected finishes come together in the Waverly Coastal by Harris Doyle Homes on Lot 496 in SweetBay. This single-level home offers approximately 1,620 square feet with four bedrooms and two baths, an inviting front porch and a covered rear patio. The open great room, dining area and island kitchen create an easy flow for everyday living and entertaining. White cabinetry pairs with a contrasting Quill island, Rio Carrara White quartz countertops, a white farmhouse sink and a decorative wood hood above the gas range. Herringbone tile, satin-bronze cabinet hardware and selected pendant lighting add detail, while stained pine beams bring warmth to the foyer. Luxury vinyl plank flooring extends through the main living spaces and primary bedroom. The primary suite includes a walk-in closet, dual sinks and a tiled shower. A laundry room with upper cabinets and a two-car carport round out the plan. SweetBay's community pools, parks, waterfront trails and gathering places invite you to make the most of life at water's edge. SweetBay is a walkable and golf-cart friendly community with unrivaled amenities: dock with Bay and Gulf access, boat launch for kayaking, private beach, paddle boarding, fishing, parks, junior olympic resort pool complexes, fire pits, grilling areas, sports court, miles of trails, Publix-anchored town center and future amenities including a marina! New home buyers even get priority access to top-rated University Academy, the #2 K-8 school in the state of Florida!

1085 Blazing Star Street Unit LOT 496 - WAVERLY PLAN, Panama City

549 E 4th Court, Panama City
$415,000
3 Beds ⋅ 2 Baths ⋅ 796576 MLS
DUAL-DWELLING INCOME POTENTIAL | THE COVE MEETS DOWNTOWN PANAMA CITY Under a majestic canopy of heritage live oaks, among the rare mature trees to stand proud through Hurricane Michael, sits this 1935 coastal cottage and fully equipped detached guest house. Blending historic Southern character with an effective build year of 2015, this property delivers the ideal mix of vintage soul, modern luxury, and unmatched flexibility. With two completely independent dwellings, the possibilities are effortless: live in the main home while generating steady rental revenue from the ADU, rent both units to maximize returns, or create the ultimate private multi-generational compound. A vibrant red front door at the main entrance welcomes you onto the covered porch and into an airy, light-filled open floor plan highlighted by original crown molding, recessed lighting, and a painted brick fireplace. The galley kitchen boasts extensive granite counter space, crisp white cabinetry, subway tile, and stainless steel appliances. Down a subtle step-down transition, the cozy family room offers a quiet retreat overlooking the grounds. The primary retreat features a mini-split system, a walk-in wardrobe, and an ensuite bath with a double granite vanity and a wet-room bath suite, complete with a freestanding soaking tub and custom dual shower fixtures featuring an overhead waterfall fixture. Down the hall, a versatile dedicated home office includes its own closet (readily functioning as an official third bedroom or flex space), while an oversized guest bedroom, full guest bath, and separate laundry/utility room complete the main interior layout. Set privately across the sprawling fenced backyard, the detached studio is fully autonomous. It features its own architectural metal roof, private covered porch, ADA-compliant detachable ramp, dedicated mini-split climate control, tankless water heater, full kitchen with breakfast bar island, and a newly remodeled modern walk-in tile shower. Leave historic home worries behind: documented capital improvements include foundation work by Alpha Foundations (2026), full attic restoration (2025), a 200-Amp electrical service upgrade (2023) equipped with a dedicated smart electric vehicle charger, new concrete walkways, an 8x4 garden shed, and durable metal roofs on both structures. Modern tech and security convey seamlessly: the property includes an installed Vector Security system featuring an interior touchscreen monitor and dual exterior roofline-mounted cameras covering both the front entrance and back patio, plus eligibility to assume the sellers' rare, grandfathered high-speed Xfinity internet plan. Tucked on a quiet street bordered by beloved neighbors on the edge of The Cove, you enjoy the close-knit camaraderie and storybook charm without sacrificing convenience. Take a golf cart ride across Massalina Bayou to watch sailboats drift against evening sunsets, explore the Panama City Marina, dine and delight in Historic Downtown Panama City's ever-growing cuisine and activity scene, or grab fresh produce at the Saturday Farmers Market, the 6th largest in the nation. Errands and commutes could not be easier with instant access to Hwy 98 and walkable neighborhood staples like CVS and Dollar General. Best of all, having Ascension Sacred Heart Hospital and the Panama City Fire Department just blocks from your door offers unmatched everyday peace of mind.

549 E 4th Court, Panama City

1434 W 10th Street, Panama City
$199,900
3 Beds ⋅ 1 Baths ⋅ 795645 MLS
Updated 1942 painted-brick cottage in Oakland Terrace on a fenced lot 150 feet deep, with rooftop solar, a renovated kitchen, and an enclosed front sunroom that adds real living space beyond the 874 heated square feet. You are 4 minutes from the St. Andrews Marina and Historic St. Andrews, 5 from downtown Panama City, 6 from Ascension Sacred Heart Bay, and a half-mile walk from Oakland Terrace Park's pickleball and tennis courts, playground, and walking track. The covered front porch leads into the sunroom, a brick-walled, window-lined room with a glass entry door that works as a plant room, office, or second sitting area. A sliding barn door opens to the living room, and hardwood floors continue through the dining area and all three bedrooms. The kitchen has been redone with blue cabinetry, butcher-block counters, open shelving, shiplap walls, and stainless appliances, and it connects to a dedicated laundry room with its own door to the backyard. Out back is where this lot separates itself: deeper than many nearby lots, fully fenced, shaded by mature oaks, with a rear deck for grilling and a storage shed for bikes, kayaks, or tools. The rooftop solar array (buyer to verify ownership and system details) sits on a home that already has central heat and air and ceiling fans. Three bedrooms and a full bath with tub-shower combo, all on one level, no HOA, and FHA, VA, and conventional financing welcome. Naval Support Activity Panama City is about 14 minutes away, Tyndall AFB about 21, and the Gulf beaches at St. Andrews State Park about 18.

1434 W 10th Street, Panama City

1501 Indigo Street Unit LOT 836 - SAWGRASS PLAN, Panama City
$548,003
3 Beds ⋅ 2 Baths ⋅ 795430 MLS
Quick closing incentive with rates as low as 3.49% with builder's preferred lender! Presenting the Sawgrass plan in waterfront SweetBay's newest phase, Indigo Lakes. This spacious home offers plenty of comfortable indoor and outdoor living space with a large Great Room and kitchen extending out to a covered lanai. The primary suite features a large tile-to-ceiling shower and walk-in closet. SweetBay is a walkable and golf-cart friendly community with unrivaled amenities: dock with Bay / Gulf access for kayaking, private beach, paddle boarding, and fishing, parks, junior olympic resort pools, sports court, miles of trails, and future amenities including a Publix-anchored town center and marina! New home buyers even get priority access to top-rated University Academy! 2/1 temporary buydown through preferred lender on select homes. Illustrative payment rates: 3.49% in year one, 4.49% in year two and 5.49% in years 3-30; 6.237% APR. This is a 30-year fixed-rate loan with a temporary payment subsidy, not an adjustable-rate mortgage. Payments increase after years one and two. Rates shown are illustrative as of October 2, 2026, not a current rate quote. Subject to credit approval, eligible-home availability and lender requirements. Rates, fees and terms may change. Closing must occur by January 1, 2027. See agent and lender for complete terms. Silverton Mortgage, NMLS 1561. Equal Housing Opportunity.

1501 Indigo Street Unit LOT 836 - SAWGRASS PLAN, Panama City

1718 Palmetto Avenue, Panama City
$280,000
3 Beds ⋅ 2 Baths ⋅ 795173 MLS
*CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS* Welcome to this charming Florida cottage, perfectly located just steps from public bay and beach access! This well-maintained 3-bedroom, 2-bath home offers the perfect blend of comfortable indoor living and fantastic outdoor space, with an open layout and plenty of natural light throughout. One of the biggest perks of this property is its location. Take a short stroll down the quiet street to the nearby public bay access with your kayak or paddleboard and enjoy a day on the water. It's practically bayfront living without the bayfront price tag! Just off the living room, the expansive 27' x 8' screened-in porch, added in 2021, is the perfect spot to enjoy your morning coffee or unwind in the evening. Step outside to the beautifully appointed backyard, where you'll find an 8' x 10' gazebo. Whether you're hosting a BBQ, entertaining friends and family, or simply enjoying a quiet evening outdoors, this backyard is made for enjoying the Florida lifestyle. A paver walkway and BBQ pad add even more functionality to the outdoor space. There is also an irrigation well pump that helps keep the lawn looking its best. There's also a convenient 6' x 9' storage area off the patio, along with a shed for additional storage. The home also offers numerous updates, including a metal roof (2017), HVAC (2017), water heater (2018), hurricane impact windows and front storm door (2020), updated plumbing to the street and home (2021), gutters (2021), a screened porch (2021), new bathroom vanities, brand-new walk-in laundry room storage cabinets, a new irrigation well pump (2025), and a newer refrigerator. The covered carport provides convenient parking and plenty of space for boat or outdoor equipment storage. Inside, the spacious primary bedroom features a convenient en-suite bathroom with a tiled walk-in shower. The second bedroom includes a built-in solid wood shelving unit in the closet, making it an ideal office, study, or guest room. A third bedroom provides a comfortable space for family or visitors. Perfectly situated near Gulf Coast State College, FSU Panama City, the Navy Base, shopping, dining, and recreation, this home offers an excellent combination of location, updates, and outdoor living. With the bay just steps away and a private, wooded backyard to enjoy, this is a fantastic opportunity to experience the best of the Florida lifestyle. Don't miss your chance to make this charming coastal cottage your own--schedule your showing today!

1718 Palmetto Avenue, Panama City

5623 Katherine Street, Panama City
$269,000
4 Beds ⋅ 2 Baths ⋅ 794757 MLS
Welcome home! This beautifully maintained 4-bedroom, 2-bathroom home offers the perfect combination of comfort, functionality, and convenience. Situated on a large lot along a quiet dead-end street, this property immediately stands out with its beautiful landscaping and inviting curb appeal. Inside, you'll find an open-concept layout with LVP flooring throughout. The split-bedroom floor plan is ideal for added privacy. The kitchen has been updated and features stainless steel appliances, butcher block countertops, and a dedicated coffee bar, making it a perfect spot to start your morning! The home also offers a sunroom, separate laundry room, and plenty of functional living space. Step outside to enjoy the fully fenced backyard, providing room to relax, entertain, garden, or let the kids and pets play. The detached garage adds even more versatility and is ideal for a workshop, lawn equipment, golf cart, storage, or hobby space. Incredible home on an incredible lot that sits between two streets, Lois and Katherine. Location is another major plus! You're conveniently located near Tyndall Air Force Base, restaurants, coffee shops, and multiple grocery options, with Winn-Dixie, Walmart, and Aldi all within approximately a mile. Enjoy easy access to both Mexico Beach and Panama City Beach, while the bay is less than 5 miles away. Nearby boat ramps and a marina are just minutes away, providing convenient access to St. Andrews Bay from East Bay. If you've been looking for a home with space, a fenced backyard, and an unbeatable location, this one deserves a closer look!

5623 Katherine Street, Panama City

446 S Macarthur Avenue, Panama City
$370,000
3 Beds ⋅ 2 Baths ⋅ 794654 MLS
Welcome to 446 S Macarthur Avenue, where life in The Cove is all about charming streets, golf cart rides, neighborhood walks, and being just minutes from Downtown Panama City, the bay, parks, dining, and everything that makes this community so special. This inviting home offers approximately 1,632 square feet of comfortable living space with thoughtful updates including new flooring, electrical improvements, a new refrigerator, new dishwasher, and security system. Out back, enjoy the laid-back Cove lifestyle under the covered patio pergola with power available in the backyard, plus a storage shed for extra convenience. Whether you are grilling, entertaining friends, or winding down after a day on the water, the outdoor space gives you plenty of room to enjoy home. The washer and dryer, primary bedroom TV, dining room curtains, covered patio pergola, and wine racks installed at the back bar convey with the sale. Wine glasses do not convey. Staging furniture and most décor are excluded, although select furnishings may be negotiable separately. Looking for even more flexibility? Plans are available for a potential garage conversion into a primary suite, giving the next owner an opportunity to further customize the home. Buyer to independently verify feasibility, permits, zoning, costs, approvals, and all requirements associated with any future modifications. Come experience the charm, convenience, and easygoing lifestyle that makes The Cove one of Panama City's most loved neighborhoods.

446 S Macarthur Avenue, Panama City

1403 Arthur Avenue, Panama City
$258,500
3 Beds ⋅ 2 Baths ⋅ 794317 MLS
MOTIVATED SELLER!!!! This updated Florida cottage puts you right in the middle of everything people love about living in Panama City. With 3 bedrooms, 2 bathrooms, and a layout designed for everyday living as well as entertaining, this home offers the kind of space and functionality that's hard to find at this price point. Natural light fills the interior, highlighting the updated flooring, newer appliances, and the well-maintained condition throughout. Major improvements have already been taken care of, including the HVAC system, roof, and water heater, all which have been replaced within the last few years for added peace of mind. Outside, the home continues to impress with a screened-in patio, oversized deck, privacy-fenced backyard, and additional outdoor storage. The oversized true two-car garage provides plenty of room for vehicles, tools, beach gear, or hobbies. The street itself has recently been repaved and improved with new curbs and sidewalks adding to the overall appeal of the neighborhood. Location is one of the standout features here. This home is less than five minutes from Beach Drive and the public beach access at Calhoun Beach Park and just minutes from Historic St. Andrews and Downtown Panama City. You're also under 20 minutes from the white sandy beaches of the Gulf. Tyndall Air Force Base and the Navy Base are also both just a short drive away. Whether you're looking for a full-time residence, a second home near the water, or an investment opportunity with short-term rental potential, this property checks all the boxes for enjoying the Florida lifestyle year-round. If you like the neighborhood 1402 Arthur Ave across the street is also for sale.

1403 Arthur Avenue, Panama City

1402 Arthur Avenue, Panama City
$279,000
4 Beds ⋅ 3 Baths ⋅ 794314 MLS
CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS MOTIVATED SELLER SAYS BRING AN OFFER!!! This updated Florida Cottage combines character, natural light, and a location that can't be matched. With 4 good sized bedrooms, 3 bathrooms, and approximately 1,800 square feet, the home has an open, comfortable feel with large windows throughout that bring in sunlight from nearly every room. The layout includes a spacious living area, updated finishes throughout the home, and a separate entrance to the connected mother-in-law quarters, offering flexibility for extended family or use as a large master-suite. Out back, the large privacy-fenced yard offers plenty of room for kids, pets, entertaining, or storing a boat or RV. The oversized patio creates a great outdoor gathering space, while the detached storage building with electricity is perfect for tools, hobbies, or additional storage. Located just minutes from Beach Drive, Historic St. Andrews, and Downtown Panama City, this home is right in the middle of everything while still tucked into an established neighborhood. The street has recently been paved and updated with new sidewalks, adding to the area's charm and walkability. Both Tyndall Air Force Base and the Navy Base are a short drive away, and the white sandy beaches of Panama City Beach are only about 20 minutes from your front door. If you've been looking for a home with charm, functional space, and a central location close to shopping, restaurants, marinas, and the water, this one is worth a look! If you love the neighborhood 1403 Arthur Ave across the street is also for sale.

1402 Arthur Avenue, Panama City

1703 W 10th Street, Panama City
$290,000
2 Beds ⋅ 1 Baths ⋅ 793499 MLS
This updated Florida cottage offers comfortable coastal living in the heart of Beach Drive/Lake Caroline area. Located a short walk or golf cart ride from Beach Drive beaches and local St Andrew's shopping and dining, the property combines a classic look with extensive modern updates. The home sits on a rare, large lot of nearly half an acre, providing plenty of space for future additions, a pool, or new construction.The interior has been fully updated for turn-key convenience. Features include refinished original hardwood floors with a durable polyurethane finish, brand-new ceilings in all rooms, and custom built-in bookshelves next to the fireplace. The kitchen includes new custom wood cabinets, and the master suite features a cedar-lined closet. Additional living spaces include a sunlit Florida room and a utility room, both upgraded with new tile flooring.Every major home system and structural component has been replaced or updated for peace of mind. The exterior features a brand-new roof with all underlying wood replaced, 30-year warranty shingles, new windows, and new doors. Inside the walls, the home has been fully re-wired and completely re-piped with flexible water lines. Comfort and utility are handled by a new high-efficiency A/C unit with a heat pump installed in January 2026, a recently replaced water heater, a new storage shed, and a full irrigation system powered by a brand-new 2026 well pump. This property offers a rare combination of a prime St. Andrews location and completely updated, low-maintenance systems.

1703 W 10th Street, Panama City

2301 Larkspur Street Unit LOT 576 - THATCH PLAN, Panama City
$392,611
2 Beds ⋅ 2 Baths ⋅ 793251 MLS
Quick closing incentive with rates as low as 3.49% with builder's preferred lender! SweetBay Welcome Center & builder model homes open Daily. Move-in Ready! The Thatch plan by Harris Doyle Homes is a Lock & Leave Cottage at SweetBay situated on a corner lot! The open great room connects to the dining room and eat-in island kitchen with stainless appliances, stone countertops, pantry and tile backsplash all included. The primary suite has a tile-to-ceiling shower and large walk-in closet. The Thatch includes a two-car carport and large front porch. SweetBay is a walkable and golf-cart friendly community with unrivaled amenities: dock with Bay and Gulf access, boat launch for kayaking, private beach, paddle boarding, fishing, parks, junior olympic resort pool complexes, fire pits, grilling areas, sports court, miles of trails, Publix-anchored town center and even more future amenities to come! 2/1 temporary buydown through preferred lender on select homes. Illustrative payment rates: 3.49% in year one, 4.49% in year two and 5.49% in years 3-30; 6.237% APR. This is a 30-year fixed-rate loan with a temporary payment subsidy, not an adjustable-rate mortgage. Payments increase after years one and two. Rates shown are illustrative as of October 2, 2026, not a current rate quote. Subject to credit approval, eligible-home availability and lender requirements. Rates, fees and terms may change. Closing must occur by January 1, 2027. See agent and lender for complete terms. Silverton Mortgage, NMLS 1561. Equal Housing Opportunity.

2301 Larkspur Street Unit LOT 576 - THATCH PLAN, Panama City

1611 Cincinnati Avenue, Panama City
$347,500
3 Beds ⋅ 2 Baths ⋅ 792965 MLS
Rare opportunity in St. Andrews! This fully remodeled three-bedroom, two-bath home is being sold with a separate waterfront parcel on Lake Huntington, located approximately 300 feet from the residence. The list price includes both properties, and they must be sold together. The home features luxury vinyl plank flooring, recessed lighting, updated fixtures, and an easy flow between the living room, kitchen, and dining area. The remodeled kitchen offers white shaker-style cabinetry, solid-surface countertops, stainless steel appliances, a gas range, and an adjoining coffee or beverage station. The oversized primary suite includes a private bath and a large closet with a built-in organization system. Additional features include two guest bedrooms, an updated guest bath, a spacious laundry room with a folding counter and storage, updated windows, modern ceiling fans, and a tankless water heater. Outside, the large fenced lot provides a gated driveway, abundant parking for a boat or trailer, patio space, and an above-ground pool. The separate 0.064-acre waterfront parcel measures approximately 50 by 75 feet and offers roughly 50 feet of frontage on Lake Huntington. The waterway provides access toward St. Andrews Bay and creates a private setting for fishing, kayaking, watching the sunset, or potentially adding a dock or boat lift. No dock or boat lift is currently installed. Buyers should verify water depth, navigability, boundaries, and permitting requirements for their intended use. Short-term rental use is permitted at the residence, subject to obtaining all required licenses, registrations, and approvals. The home is also within walking distance of Historic St. Andrews, locally owned restaurants, waterfront parks, shopping, entertainment, and the St. Andrews Marina. This property offers a rare combination of a remodeled home, short-term rental potential, boat parking, a walkable St. Andrews location, and nearby privately owned waterfront. All measurements and information should be verified by the buyer if important.

1611 Cincinnati Avenue, Panama City

721 Arrow Street, Panama City
$310,000
4 Beds ⋅ 2 Baths ⋅ 792936 MLS
Qualified buyers may receive up to $10,000 in seller concessions to be applied toward closing costs, prepaid expenses, and other allowable lender-approved costs with an acceptable offer. Completed in 2025, this attractive 4-bedroom, 2-bath home offers approximately 1,745 square feet of living area in the Parker area of Bay County. Built using Insulated Concrete Forms (ICF) construction), the home is designed for strength, durability, energy efficiency, and a quieter interior environment than traditional wood-frame construction. The thoughtfully designed floor plan features an open living, dining, and kitchen area, creating a comfortable space for both everyday living and entertaining. The kitchen is finished with granite countertops, an island, pantry, and luxury vinyl plank flooring that continues throughout the home. The master bedroom suite (one of four bedrooms) includes a walk-in closet, double vanity, and separate shower, while a fourth bedroom provides flexibility for guests, a home office, or multigenerational living. Outside, the fully fenced backyard offers ample room for recreation, gardening, or pets. The home is conveniently located near schools, shopping, and major transportation routes. Additional features include public water and sewer, central electric heating and cooling, metal roofing, and a concrete driveway with parking for multiple vehicles. Overall, the property combines the benefits of nearly new construction, low-maintenance finishes, and innovative insulated concrete construction, making it an appealing option for buyers seeking a durable, energy-conscious home with modern amenities.

721 Arrow Street, Panama City

1904 Calhoun Avenue, Panama City
$75,000
3 Beds ⋅ 1 Baths ⋅ 792717 MLS
'CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS. Calling all investors, builders, contractors, and experienced rehab specialists. This is the value-add opportunity you've been waiting for. Solid cinderblock home, foundation in good condition. Square footage is more than 1,067 with unfinished addition in back through living room. Located in central Panama City, this property is ready for a complete transformation and offers tremendous potential for a full renovation or rebuild. The home will require a full rehabilitation and is being sold **AS-IS**. It has significant deferred maintenance and will need to be taken down to the studs, including major updates to the electrical system, plumbing, roof, HVAC, and interior finishes. The property also has visible mold and extensive cleanup will be required. This is **not** a conventional financing candidate and is best suited for cash buyers or renovation financing. Whether you're looking for your next fix-and-flip, long-term rental investment, or custom renovation, this property provides an opportunity to build equity from the ground up. With strong demand for renovated homes throughout Panama City and continued investment in the surrounding area, experienced investors will recognize the potential this property offers. Bring your contractor and your vision. No measurements have been taken. Buyer to verify all measurements and information if important.

1904 Calhoun Avenue, Panama City

323 N Palo Alto Avenue, Panama City
$215,000
2 Beds ⋅ 3 Baths ⋅ 792561 MLS
Nestled in the heart of highly desirable Bunkers Cove, this charming and character-filled home offers the perfect blend of timeless appeal and modern updates. With two spacious bedrooms, each featuring a private en-suite bathroom, plus an additional half bath for guests. Inside, you'll find inviting living spaces, including a cozy family room, a separate living room, and a dedicated dining room that adds to the home's classic layout. Hardwood floors flow throughout the main living areas, while brand-new carpet in both bedrooms adds warmth and comfort. The kitchen features stainless steel appliances and flows seamlessly into the home's welcoming design. Recent updates, including a durable metal roof and newer HVAC system, provide peace of mind, while the spacious laundry room and attached workshop offer exceptional functionality for hobbies, storage, or weekend projects. Step outside to enjoy the screened back porch overlooking a generously sized backyard with endless possibilities. Whether you dream of gardening, creating your own outdoor oasis, or simply enjoying a quiet morning with a cup of coffee, this backyard offers the space to make it your own. A storage shed provides even more room for tools, lawn equipment, and extra storage. Located in one of Panama City's most beloved historic neighborhoods, this unique Bunkers Cove gem is also conveniently located just minutes from Tyndall Air Force Base, downtown Panama City, waterfront parks, dining, shopping, and local marinas. Full of charm, character, and thoughtful updates, this home is ready to welcome its next owner. **Buyer to verify all data, information, and/or dimensions provided herein and deemed important to Buyer before submitting an offer.**

323 N Palo Alto Avenue, Panama City

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