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.

959 Properties
Page 1 of 27
$475,000
Neighborhood: Colonial Est.
4
Beds
3
Baths
2,704
Sq.Ft.
1989
Year Built
1
Day on Site
728637
MLS
Welcome to your own PRIVATE oasis with this 4 bedroom & 3 bath home, close to Tyndall Air Force base! This home is loaded with bells and whistles, from the front lighted landscaping; to the rear...
$225,000
Neighborhood: [No Recorded Subdiv]
3
Beds
2
Baths
1,080
Sq.Ft.
1983
Year Built
1
Day on Site
727980
MLS
A great second home or a beach retreat! Just a few minutes to the gulf and a short drive to the airport. You can find Pier Park just 6 minutes to the East or head West 10 minutes to the Coastal...
$625,000
Neighborhood: Bay Point Unit 1
5
Beds
3F11/2
Baths
2,492
Sq.Ft.
1979
Year Built
1
Day on Site
727290
MLS
Welcome to Panama City Beach's Premier gated Bay Point community. This custom immaculate 4 bedroom three and a half bath with executive office is turnkey. Two Master Bedrooms. One downstairs and one...
$239,000
Neighborhood: Bay Point Studio Villas Unit 2
1
Beds
1
Baths
900
Sq.Ft.
1974
Year Built
1
Day on Site
728659
MLS
Location is everything and this condo has it! This well maintained Condo is in the upscale gated community of Bay Point. The condo is located across the street from the newly rebuilt Point South...
$539,000
Neighborhood: Summerwood Phase III
5
Beds
3F11/2
Baths
2,089
Sq.Ft.
2001
Year Built
1
Day on Site
728661
MLS
Don't miss this one! Location, Location, Location!Five min walk to the beach, corner lot, the biggest back yard in town that can easily put a pool in.5 bedroom, 3.5 bathrooms single family home with...
$359,000
Neighborhood: Gulf Highlands Beach Resort
2
Beds
1F11/2
Baths
972
Sq.Ft.
1985
Year Built
1
Day on Site
728666
MLS
Updated townhome with Island Kitchen and new wooden cabinets, and new exterior paint. This townhome has never been rented. Features a king size bed in Master Bedroom and Queen size in additional...
$285,500
Neighborhood: Hombre Golf Village
2
Beds
2
Baths
1,370
Sq.Ft.
1998
Year Built
1
Day on Site
728667
MLS
Come see this beautifully updated 2 bedroom 2 bath ground floor unit at The Hombre Golf Village. Custom cabinets and granite throughout, stainless steel appliances, new dishwasher, spacious bedrooms...
$425,000
Neighborhood: Allison Trace
3
Beds
2
Baths
1,520
Sq.Ft.
1998
Year Built
2
Days on Site
728619
MLS
BOOM! You just found the perfect home to live in or you can rent it out as a short term rental!! This updated home is in a great location with a short golf cart ride to the Beach! This home features...
1
Beds
1F11/2
Baths
740
Sq.Ft.
1984
Year Built
2
Days on Site
728620
MLS
Hands down this is the BEST 1 bedroom w/ bunks for sale now on Panama City Beach! The seller took Summit 1317 down to the studs and rebuilt it! The new layout even increased the sq .ft! You have to...
$369,900
Neighborhood: Horizon South V
2
Beds
2
Baths
960
Sq.Ft.
1984
Year Built
2
Days on Site
728621
MLS
Raise your hand if you dream of owning a beautiful beach condo within a very short walk to the beach & ALL of the amenities you could dream of! This unit is owner occupied and has not been rented,...
$157,900
Neighborhood: Sweetwater Village S Ph I
3
Beds
2
Baths
1,176
Sq.Ft.
1989
Year Built
2
Days on Site
728622
MLS
If you are looking for a charming move-in-ready home stop right here! This 3 bed / 2 bath home located on a cul-de-sac is well maintained, sits on a large lot and comes with a jacuzzi hot tub! A...
$329,000
Neighborhood: Palmetto Trace
2
Beds
2
Baths
1,245
Sq.Ft.
2005
Year Built
2
Days on Site
728097
MLS
2 bedroom, 2 bath townhome with the larger floor plan, comes partially furnished, and complete with garage in Palmetto Trace! This well-maintained townhome is all on one level for convenient living,...
$155,900
Neighborhood: Martin Bayou Estates Unit-4
3
Beds
1
Baths
864
Sq.Ft.
1962
Year Built
2
Days on Site
723334
MLS
WE'RE BACK! It's a great place to call home! 3 Bedroom, 1 Bath home with a new central heat and air unit, some plumbing and electrical updates, pantry/closet in the hallway for great storage space...
$230,000
Neighborhood: Inlet Beach Heights
3
Beds
1F11/2
Baths
901
Sq.Ft.
1982
Year Built
2
Days on Site
728626
MLS
***MULTIPLE OFFERS RECEIVED-OFFERS CONSIDERED UNTIL 1PM JUNE 27th*** 3bd, 1.5 ba corner beach house within walking distance to both Lake Powell and the beach! 2017 metal roof, 2021 A/C, septic system...
$485,000
Neighborhood: Shores Of Panama Phase I
1
Beds
2
Baths
907
Sq.Ft.
2007
Year Built
2
Days on Site
728628
MLS
Brilliantly Captivating Condo with Gorgeous Gulf Views! Situated in the coveted community of Shores of Panama, this 1+BR/2BA, 907sqft residence offers resort-inspired living with exceptional...
$255,000
Neighborhood: Pine Forest Est Ph 1
3
Beds
2
Baths
1,072
Sq.Ft.
1980
Year Built
2
Days on Site
728629
MLS
Location Location Location, This Lynn Haven home offers convenience and community. Close to shopping and an walking distance the newly renovated Cain Griffin Park where you will find Basketball...
$640,000
Neighborhood: Majestic Beach Tower II
2
Beds
2
Baths
1,180
Sq.Ft.
2006
Year Built
2
Days on Site
728630
MLS
Stunning views for miles from this Majestic 2 bedroom 2 bath condo on the 23rd floor! This condo is a popular rental and is professionally managed. Newer furnishings in a neutral palate will convey...
1
Beds
2
Baths
846
Sq.Ft.
2004
Year Built
2
Days on Site
728631
MLS
Welcome to Celadon Beach Resort, a Mediterranean style condominium aptly named for its jade green accents melding perfectly along our white quartz sands and gorgeous Emerald Green waters. This...
$368,000
Neighborhood: Laketown Wharf
1
Beds
2
Baths
1,047
Sq.Ft.
2008
Year Built
2
Days on Site
728635
MLS
This 1 bedroom, 2 bathroom plus bunk area Laketown Wharf unit in Panama City Beach Florida comes fully furnished and is turn-key. The interior has been updated with new paint, modern light fixtures,...
$610,000
Neighborhood: Edgewater Tower II
2
Beds
2
Baths
1,317
Sq.Ft.
1985
Year Built
2
Days on Site
728636
MLS
Welcome to Paradise! With breathtaking views though floor to ceiling windows or from your private balcony high on the 11th floor. With tower II's close proximity to the beach you can spot,...
$369,900
Neighborhood: Premier Estates Ph 1
3
Beds
2
Baths
1,852
Sq.Ft.
1983
Year Built
2
Days on Site
728638
MLS
Lovely ranch style home freshly styled in a modern farmhouse finish, this beauty checks ALL the boxes! All new roof, flooring, windows, siding, exterior paint, glass sliding doors, high efficiency...
$449,000
Neighborhood: Gulfgate Condo
2
Beds
2
Baths
1,180
Sq.Ft.
1973
Year Built
2
Days on Site
728639
MLS
Extremely Rare Unit. * Ground Floor * Gulf Front * 2-Br 2-Ba Condo * Pet Friendly * Low Rise Building * Park just steps from your door. Quiet east end street off Thomas Dr. Great vacation rental....
$370,000
Neighborhood: Hathaway Townhomes
3
Beds
2F11/2
Baths
1,496
Sq.Ft.
2020
Year Built
2
Days on Site
728643
MLS
Amazing 3 bedroom townhome that allows short term rental and just a few minutes drive to the beach. This townhome is in immaculate condition, only owned by one owner who bought it when it was first...
$275,000
Neighborhood: Callaway Corners
3
Beds
2F11/2
Baths
1,608
Sq.Ft.
2017
Year Built
2
Days on Site
728644
MLS
Charming 3 Bed/2.5 bath + loft home close to Tyndall AFB. This open concept floor plan is spacious with new carpet throughout the upstairs and is freshly painted. The kitchen features quartz...
$589,900
Neighborhood: Emerald Beach Resort
2
Beds
2
Baths
1,299
Sq.Ft.
2007
Year Built
2
Days on Site
728645
MLS
Spectacular views abound from this 5th floor unit in one of the top resorts on Panama City Beach! All furnishings are included. The unit is tiled throughout with larger, neutral tile. The unit is...
$419,000
Neighborhood: North Ridge Phase 1
3
Beds
2
Baths
1,946
Sq.Ft.
1985
Year Built
2
Days on Site
728646
MLS
Newly remodeled, this home is a must see! Large living area with bonus space, open to the kitchen that has eat at bar, breakfast area and dining area. Tons of windows along the front and back of the...
$600,000
Neighborhood: Sweetbay
3
Beds
2F11/2
Baths
2,362
Sq.Ft.
2021
Year Built
2
Days on Site
728655
MLS
Fall in love with this spacious home on one of the largest corner lots in Sweetbay with .4 acres! Owners have kept this home in pristine condition and have added thoughtful upgrades including...
$675,000
Neighborhood: Pelican Bay
3
Beds
2F11/2
Baths
2,357
Sq.Ft.
2000
Year Built
3
Days on Site
728475
MLS
WATERFRONT TOWNHOME overlooking St. Andrews Bay. This beautiful 3 bedroom and 2.5 bath home offers Bayfront living with a screened balcony from the master suite. The welcoming entry offers an open...
$330,000
Neighborhood: Oxford Place Unit 2
3
Beds
2
Baths
1,875
Sq.Ft.
1968
Year Built
3
Days on Site
728540
MLS
Must See! Beautifully renovated home, centrally located with 3 bedrooms, 2 baths and a bonus room. Updates include metal roof, windows, newly painted interior, kitchen counter tops, luxury vinyl...
4
Beds
2
Baths
1,786
Sq.Ft.
2020
Year Built
3
Days on Site
728542
MLS
Home located in Moonraker has awesome amenities,a community pool,which is close by,covered BBQ & beautiful landscaping.The home is bound to steal your heart.Upon entering you'll fall in love with the...
$319,000
Neighborhood: Brighton Oaks
4
Beds
2
Baths
1,726
Sq.Ft.
2020
Year Built
3
Days on Site
728543
MLS
Welcome to the beautiful community of Brighton Oaks, located right off Hwy 231 only miles from shopping, dining, downtown PC, and more!This gorgeous home built in 2020 includes a wonderful and...
$475,000
Neighborhood: College Point 3rd Add
4
Beds
3
Baths
2,640
Sq.Ft.
1993
Year Built
3
Days on Site
728546
MLS
This gracious two-story Victorian home is a situated on a large lot in the sought after neighborhood of College Point. The home flaunts a stunning wrap-around porch with a gazebo and a cooper metal...
$185,000
Neighborhood: Parker Plat
2
Beds
1
Baths
980
Sq.Ft.
1945
Year Built
3
Days on Site
728545
MLS
Newly renovated, open floor plan home with convenient proximity to Tyndall Air Force Base, beaches, and local hot spots. New electrical, flooring, windows, paint, and more. This home sits on a nice...
$615,000
Neighborhood: Grand Panama Beach Resort
3
Beds
3
Baths
1,458
Sq.Ft.
2007
Year Built
3
Days on Site
728551
MLS
Beautiful 3 bedroom 3 Bath corner unit with amazing views. This large 3 bedroom offers east and west facing views from every corner with a Gulf font master with access to the balcony. All rentals...
$549,900
Neighborhood: Breakfast Point
5
Beds
3F11/2
Baths
2,383
Sq.Ft.
2022
Year Built
3
Days on Site
728556
MLS
Breakfast Point East is now selling! Do you want to be the first? Live within 2.5 miles of ''The World's Most Beautiful Beaches''. This 5-bed 3.5 bath Key Largo plan by Truland Homes offers all...
$510,000
Neighborhood: Lullwater Beach
3
Beds
2
Baths
1,873
Sq.Ft.
1960
Year Built
3
Days on Site
728559
MLS
This is the Beach House, hidden gem, you've been waiting for. Just a couple blocks off Front Beach Rd. take a golf cart or walk to the beach. LOCATION, LOCATION-- Walking distance to Pier Park, 5...

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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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