First-Time Home Buyers

If you are a first-time home buyer, use the guide below for helpful hints and tips and learn how to avoid common mistakes when buying your first home in Panama City Beach, FL.

  • Pre-Qualification: Meet with a mortgage broker and find out how much you can afford to pay for a home.
  • Pre-Approval: While knowing how much you can afford is the first step, sellers will be much more receptive to potential buyers who have been pre-approved. You'll also avoid being disappointed when going after homes that are out of your price range. With Pre-Approval, the buyer actually applies for a mortgage and receives a commitment in writing from a lender. This way, assuming the home you're interested in is at or under the amount you are pre-qualified for, the seller knows immediately that you are a serious buyer for that property. Costs for pre-approval are generally nominal and lenders will usually permit you to pay them when you close your loan.
  • List of Needs & Wants: Make 2 lists. The first should include items you must have (i.e., the number of bedrooms you need for the size of your family, a one-story house if accessibility is a factor, etc.). The second list is your wishes - things you would like to have (pool, den, etc.) but that are not absolutely necessary. Realistically for first-time buyers, you probably will not get everything on your wish list, but it will keep you on track for what you are looking for.
  • Representation by a Professional: Consider hiring your own real estate agent, one who is working for you, the buyer, not the seller.
  • Focus & Organization: In a convenient location, keep handy the items that will assist you in maximizing your home search efforts. Such items may include:
  1. One or more detailed maps with your areas of interest highlighted.
  2. A list or file of the properties that your agent has shown to you.
  3. Paper and pen for taking notes as you search.
  4. A camera to snap pictures of homes you have toured to help you remember your favorites and features you really liked.
  • Visualize the house empty & with your decor: Are the rooms laid out to fit your needs? Is there enough light?
  • Be Objective: Instead of thinking with your heart when you find a home, think with your head. Does this home really meet your needs? There are many houses on the market, so don't make a hurried decision that you may regret later.
  • Be Thorough: A few extra dollars well spent now may save you big expenses in the long run. Don't forget such essentials as:
    1. Include inspection & mortgage contingencies in your written offer.
    2. Have the property inspected by a professional inspector.
    3. Request a second walk-through to take place within 24 hours of closing.
    4. You want to check to see that no changes have been made that were not agreed on (i.e., a nice chandelier that you assumed came with the sale having been replaced by a cheap ceiling light).

All the above may seem rather overwhelming. That is why having a professional represent you and keep track of all the details for you is highly recommended. Please contact us directly to discuss any of these matters in further detail.

1384 Properties
Page 1 of 39
$345,000
Neighborhood: Villas Of St. Thomas 1
2
Beds
2
Baths
1,230
Sq.Ft.
1984
Year Built
1
Day on Site
732766
MLS
Bring your boat! Lagoon Dock onsite and a quick ride to Shell Island or the Gulf of Mexico for some deep-sea fishing, scalloping, swimming etc. You are also just a short walk to the public beach...
$299,900
Neighborhood: Laguna Beach Estates 9th Add
3
Beds
2
Baths
1,188
Sq.Ft.
1986
Year Built
1
Day on Site
732768
MLS
This unique mobile home is waiting for you! Lovingly cared for since 1982 by the same owners. Large deep 50x120 lot. The property is fully furnished with vintage decor, furniture, and appliances....
$549,900
Neighborhood: Kirkland Manor
4
Beds
3
Baths
2,449
Sq.Ft.
2008
Year Built
1
Day on Site
732767
MLS
This very desirable all brick home in Kirkland Manor awaits you. The open floor plan provides plenty of room for family and friends. Interior of this home has 10 ft ceilings with 8 ft doors and...
$289,900
Neighborhood: No Named Subdivision
4
Beds
4
Baths
2,304
Sq.Ft.
1985
Year Built
1
Day on Site
732769
MLS
Rehab Opportunity/INVESTOR SPECIAL in ever appreciating Western PCB, mins to Pier Park, 30A corridor, 8 Public Beach Accesses, Golf Cart friendly and worlds most beautiful Sand Beaches. This Gem is...
$158,900
Neighborhood: Chandlee Add Replat
3
Beds
2
Baths
1,551
Sq.Ft.
1942
Year Built
1
Day on Site
732771
MLS
Age, sq ft, lot and room sizes are approximate,please measure if important. This property is Sold ''AS IS''. Some repairs, i.e. roof, kitchen, HVAC, double pane windows were completed in 2019....
$429,500
Neighborhood: North Lagoon Heights Phase II
3
Beds
2
Baths
1,491
Sq.Ft.
1987
Year Built
1
Day on Site
732773
MLS
Remarkably landscaped, well maintained 3BD/2BA home with bonus room, Gorgeous 35,000 gallon, heated, 7 1/2 ft deep, saltwater, OVERSIZED POOL (pump & heater-2021). Beautiful curb appeal as well as...
$625,000
Neighborhood: Woodlawn Unit 1
5
Beds
2
Baths
2,500
Sq.Ft.
1958
Year Built
1
Day on Site
732772
MLS
LOWEST PRICED BAYFRONT LISTING IN PANAMA CITY BEACH, FLORIDA!The next Bayfront listing is $1.3 million and this one is ONLY $625,000 - show and make your offer today. 110 WATERFRONT FEET!This home...
$485,000
Neighborhood: Sunbird Condo
2
Beds
1
Baths
864
Sq.Ft.
1984
Year Built
1
Day on Site
732776
MLS
Wake up to penthouse living at Sunbird Beach Resort with this two-bedroom gulf-front condo that offers access to three gulf-front pools, a fitness center and tennis courts. Redesigned to accommodate...
$365,000
Neighborhood: No Named Subdivision
3
Beds
2
Baths
1,997
Sq.Ft.
1996
Year Built
1
Day on Site
732778
MLS
Enjoy your privacy with well over half an acre while being centrally located to all your day to day activities. Quality craftsmanship and tasteful finishes are embodied in this 3 bedroom, 2 bathroom...
$739,000
Neighborhood: [No Recorded Subdiv]
3
Beds
2
Baths
1,622
Sq.Ft.
2005
Year Built
1
Day on Site
732780
MLS
ENJOY A GORGEOUS MILLION DOLLAR VIEW CONDO (with only two units) from your 10x30 deck on South Lagoon! Private and relaxing with your own dock, 5000# boat lift, boat house, kayak, and a fish...
$279,900
Neighborhood: Laguna Beach 6th Add
2
Beds
1
Baths
686
Sq.Ft.
1986
Year Built
1
Day on Site
732783
MLS
This turnkey property is one of the best valued homes on the West End! Affordable, furnished, and a short walk to the Reserved Beach. Inside you'll find a cozy living area with newer leather couches...
$485,000
Neighborhood: No Named Subdivision
3
Beds
2
Baths
1,508
Sq.Ft.
2019
Year Built
1
Day on Site
732791
MLS
Perfect home on on west end with views of Lake Powell. 3 bedrooms 2 baths, open floor plan with a coastal touch. The lot features a wonderful curb appeal, giant size back yard, and no HOA! Enjoy a...
$239,000
Neighborhood: Lake Drive Heights 1st
4
Beds
2
Baths
1,738
Sq.Ft.
1959
Year Built
1
Day on Site
732792
MLS
Recently updated 4 bedroom, 2 bathroom home situated on a peaceful street near TAFB. This home has a recently replaced roof, HVAC, septic tank, HWH and some newer windows. The living room, dining...
$325,000
Neighborhood: Venture Out Travel Trail
1
Beds
1
Baths
312
Sq.Ft.
1979
Year Built
1
Day on Site
732790
MLS
Great opportunity to own in beautiful Venture Out. This stunning corner lot is perfect for building your dream home or remodel existing mobile home. Location is amazing within the resort... close...
$299,000
Neighborhood: Landmark On St. Andrews Bay
2
Beds
2
Baths
1,190
Sq.Ft.
1969
Year Built
1
Day on Site
732793
MLS
water view, first floor priced to sell. two pools. close to St. Andrews Historic area and Historic Downtown Panama City.
$490,000
Neighborhood: Twin Palms Resort
1
Beds
2
Baths
825
Sq.Ft.
2004
Year Built
1
Day on Site
732794
MLS
This gorgeous one bedroom two bathroom at Twin Palms is not one to miss! It was recently remodeled with fresh furnishings, paint and decor. You'll instantly feel at the beach when you step inside and...
$265,000
Neighborhood: Shadow Bay Unit 5
3
Beds
2
Baths
1,424
Sq.Ft.
1999
Year Built
1
Day on Site
732796
MLS
**Open House!! Sunday 11:00-1:00** Come and see this contemporary three-bedroom and two-bathroom home that has been completely renovated in the quiet subdivision of Shadow Bay. The home has updated...
$264,900
Neighborhood: Highland City
3
Beds
2
Baths
1,560
Sq.Ft.
1968
Year Built
1
Day on Site
732797
MLS
This one has gone thru an extensive remodeland is Now Looking GREATLVP Flooring in the entire Home except the 3 Bedrooms that have NEW Carpet.Nice corner location and close to Lynn Haven, Panama...
$274,990
Neighborhood: No Named Subdivision
4
Beds
2
Baths
1,398
Sq.Ft.
2022
Year Built
1
Day on Site
731348
MLS
Prepare to be impressed by this DELIGHTFUL New home in the Butler Farms Community! The desirable Carlisle Plan features a Great open room that flows into a well-appointed kitchen. The Kitchen...
$340,000
Neighborhood: Lakewood
3
Beds
4
Baths
2,980
Sq.Ft.
1961
Year Built
1
Day on Site
731896
MLS
Lake Martin waterfront home $340,0003B/4B 2,570 sf, built 1961, two story, roof 2014, kitchen Reno 2014, windows replaced, sunroom with AC, 4 car garage, HVAC, lot .69 acres, home on waterfront.
$289,900
Neighborhood: Highland City
4
Beds
1F11/2
Baths
1,886
Sq.Ft.
1963
Year Built
2
Days on Site
732723
MLS
This traditional style home is located at the corner lot of Baldwin Road and Syracuse Avenue. You are just minutes from restaurants, shopping, schools, Parks, Tyndall AFB, and a short 10 minute drive...
2
Beds
2
Baths
1,146
Sq.Ft.
2006
Year Built
2
Days on Site
732725
MLS
LOW FLOOR ALERT!! Fully furnished, rental ready. INCLUDES EXTERIOR STORAGE CLOSET and 3 interior owner's closets. Ocean Villa has rounded balconies, giving you lots of extra space on the balcony....
$450,000
Neighborhood: Villa Chateaus
2
Beds
2
Baths
1,083
Sq.Ft.
1984
Year Built
2
Days on Site
732728
MLS
This great 2 Bedroom 2 Bath End Unit Townhome is only steps away from Beach Access 76B on the desirable West End of PCB! And the Community Pool! The best of both worlds! Even has an Outdoor Shower...
$249,000
Neighborhood: Lynn Haven
3
Beds
2
Baths
1,545
Sq.Ft.
1959
Year Built
2
Days on Site
732727
MLS
THE THREE MOST IMPORTANT WORDS IN REAL ESTATE??? LOCATION; LOCATION; OPPORTUNITY!!!! For LOCATIION This home is in the MIDDLE of EVERYTHING in Very Popular Lynn Haven, Florida. Great Schools,...
$325,000
Neighborhood: Palmetto Trace Phase 1
2
Beds
2
Baths
1,086
Sq.Ft.
2003
Year Built
2
Days on Site
732730
MLS
A rare opportunity to own one of the desirable 2/2 attached units in Palmetto Trace! Freshly painted and ready for YOU. The attached 1 car garage provides desirable vehicle shade and the covered...
$399,975
Neighborhood: Horizon South XIX
2
Beds
1F11/2
Baths
1,246
Sq.Ft.
1995
Year Built
2
Days on Site
732734
MLS
Recently renovated, fully furnished including washer/dryer, and rental ready 2BR condo in Horizon South, one of the most sought after rental locations with tons of amenities, such as pools, tennis...
$524,900
Neighborhood: Northwoods Estates 1st Add
3
Beds
2
Baths
2,020
Sq.Ft.
1995
Year Built
2
Days on Site
732735
MLS
Very well-maintained custom-built home. This home offers 3 nice size bedrooms and 2 full baths. Split floor plan offering large master suite with private bath, master bath has a 5X5 open walk-in...
$399,000
Neighborhood: Laguna Beach
3
Beds
2
Baths
1,850
Sq.Ft.
1990
Year Built
2
Days on Site
732737
MLS
Awesome opportunity to own two lots in Laguna Beach. Property consists of a two car garage with efficiency apartment above it. Efficiency apartment is habitable. Behind the garage is a mobile home...
2
Beds
2
Baths
1,076
Sq.Ft.
2005
Year Built
2
Days on Site
732736
MLS
This gulf-front two-bed, two-bath condo would make an excellent vacation home or rental investment just steps from the white sand in Panama City Beach. The unit has been upgraded and includes new LVP...
$368,287
Neighborhood: College Station Phase 1
3
Beds
2
Baths
1,901
Sq.Ft.
2022
Year Built
2
Days on Site
732743
MLS
3 bedroom 2 bath 2 car garage with garage door opener. Fully landscaped yard with sprinkler system.Upgrades include:Granite, luxury vinyl plank flooring, covered patio, sprinkler systems and so much...
$375,412
Neighborhood: College Station Phase 1
4
Beds
3
Baths
2,005
Sq.Ft.
2022
Year Built
2
Days on Site
732746
MLS
The 2005 floor plan features 4 bedrooms and 3 baths. You will love the split bedroom configuration, breakfast-bar kitchen with sight lines to the spacious family room and a master suiteoutfitted with...
$440,000
Neighborhood: Camryn's Crossing
3
Beds
2
Baths
2,177
Sq.Ft.
2006
Year Built
2
Days on Site
732747
MLS
Contact Broker/Agent for Showing
$368,287
Neighborhood: College Station Phase 1
3
Beds
2
Baths
1,901
Sq.Ft.
2022
Year Built
2
Days on Site
732748
MLS
3 bedroom 2 bath 2 car garage with garage door opener. Fully landscaped yard with sprinkler system.Upgrades include:Granite, luxury vinyl plank flooring, covered patio, sprinkler systems and so much...
$375,412
Neighborhood: College Station Phase 1
4
Beds
3
Baths
2,005
Sq.Ft.
2022
Year Built
2
Days on Site
732749
MLS
The 2005 floor plan features 4 bedrooms and 3 baths. You will love the split bedroom configuration, breakfast-bar kitchen with sight lines to the spacious family room and a master suiteoutfitted with...
$379,000
Neighborhood: Mill Point
4
Beds
2F11/2
Baths
2,096
Sq.Ft.
2022
Year Built
2
Days on Site
732750
MLS
ZILLOW HAS WRONG LOCATION NOT BEACH SIDE Address is 3537 Mill Point Cove Panama City FL 32404, Bay Counties newest community has come to life, These homes are built by one of Bay Counties most sought...
$368,287
Neighborhood: College Station Phase 1
3
Beds
2
Baths
1,901
Sq.Ft.
2022
Year Built
2
Days on Site
732751
MLS
3 bedroom 2 bath 2 car garage that includes garage door opener.Some of the upgrades include: sprinkler system, fully landscaped yard, granite countertops, and luxury vinyl plank floors.

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Phone(850) 814-6999

Email[email protected]

Address Virga Realty, Inc.
2524 Pelican Bay Ct
Panama City Beach, FL 32408

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