Bay County Homes under $400,000

Bay County Homes under $400,000

Welcome to Bay County, Florida—a hidden gem nestled along the stunning Gulf Coast. Known for its breathtaking beaches, vibrant communities, and a laid-back lifestyle, Bay County offers an idyllic setting for those seeking both adventure and tranquility. With its warm climate, diverse recreational opportunities, and rich cultural heritage, it’s no wonder that this area has become a sought-after destination for families, retirees, and everyone in between.

For homebuyers looking for affordability without sacrificing quality, Bay County is the perfect place to call home. The real estate market here features a fantastic selection of homes priced under $400,000. From charming single-family residences to modern townhomes, there’s something to suit every taste and budget. Imagine waking up to the sound of waves gently lapping at the shore, or enjoying a sunset stroll along one of the many scenic parks and nature trails.

In addition to its stunning natural beauty, Bay County boasts excellent schools, thriving local businesses, and a strong sense of community. Whether you’re drawn to the bustling atmosphere of Panama City or the serene surroundings of Lynn Haven, you’ll find a welcoming neighborhood that feels just right for you.

With homes under $400,000, Bay County offers a unique opportunity to invest in a vibrant lifestyle without breaking the bank. Explore the possibilities today, and discover why so many are choosing to make Bay County their forever home!

Newest Bay County Homes under $400,000

3700 George Lane, Southport
$250,000
3 Beds ⋅ 2 Baths ⋅ 796200 MLS
USDA 100% financing eligible! Welcome to this charming Southport home offering 3 bedrooms, 2 bathrooms, and 1,514 square feet of comfortable single-story living. Situated on a spacious .61-acre lot at the end of a peaceful cul-de-sac, this property offers a rare combination of privacy, usable outdoor space, and convenience. The floor plan features an open dining and living area, new LVP flooring, and a kitchen with butcher block countertops and stainless steel appliances. A generously sized bonus/flex room, created from the converted garage, provides plenty of versatility for a home office, playroom, media room, gym, or additional living space. Outdoor living is a standout feature, with a covered front porch and large covered back patio overlooking the fully fenced backyard. The expansive lot provides plenty of room to enjoy, entertain, garden, or simply spread out and make the space your own. Additional updates include a 2019 roof, 2022 water heater, and an installed Culligan reverse osmosis drinking water system that conveys with the sale. Located with easy access to Southport and Lynn Haven, this home offers the space and quiet of a larger lot while remaining close to everyday conveniences.

3700 George Lane, Southport

Listing courtesy of Empire Real Estate of Florida LLC.

301 Lakeside Drive, Panama City
$299,000
3 Beds ⋅ 3 Baths ⋅ 796198 MLS
Welcome home to this beautifully maintained property tucked away on a quiet cul-de-sac! This inviting home offers a functional, family-friendly floor plan with spacious bedrooms, custom touches throughout, a cozy family room with fireplace, and an updated kitchen with breakfast nook. A separate formal dining area provides additional flexibility and could easily serve as a home office. Step outside to a spacious, fully privacy-fenced backyard backing up to a conservation area for added peace and privacy. The screened-in back porch is the perfect spot for morning coffee, entertaining, or fall football nights. An attached two-car garage provides plenty of additional storage. Conveniently located near Tyndall Air Force Base with easy access to shopping, dining, schools, and everyday necessities, this home offers a wonderful combination of comfort, privacy, and convenience in a peaceful neighborhood setting.

301 Lakeside Drive, Panama City

Listing courtesy of Think Real Estate.

7516 Olde Mill Road, Southport
$349,900
2 Beds ⋅ 4 Baths ⋅ 796196 MLS
Rare opportunity to own 2.71 acres of waterfront property on Gainer Bayou in Southport! Situated on a gated corner lot at Olde Mill Road and County Road 2321, this unique property offers plenty of space, privacy and direct bayou frontage. The property includes an existing 2-bedroom, 2-bath home with approximately 1,080 square feet, along with a detached workshop/storage structure and a fully fenced perimeter. Whether you're looking for a waterfront homesite, room for your boats and recreational equipment, a renovation project, or property with future development potential, this acreage offers numerous possibilities. Enjoy the peaceful setting of North Bay County while remaining convenient to Panama City, Lynn Haven, shopping, dining and area recreation. Properties combining waterfront, acreage and this much usable space are increasingly difficult to find. Bring your vision and take advantage of the possibilities offered by this 2.71-acre Gainer Bayou property. Buyer to verify all measurements, zoning, development potential and waterfront access important to the buyer.

7516 Olde Mill Road, Southport

Listing courtesy of Emerald Coast Realty Group.

9900 S Thomas Drive Unit 2126, Panama City Beach
$329,900
1 Beds ⋅ 2 Baths ⋅ 796189 MLS
SUNSET VIEWS FROM THE BALCONY. SUNRISE VIEWS FROM THE PRIMARY BEDROOM. DEEDED PARKING. Shores of Panama 2126 is a beautifully maintained, professionally managed N floor plan featuring one bedroom, a bunk room, two full bathrooms, and a deeded parking space on the 11th floor. Positioned high above Panama City Beach, the condo offers Gulf views in two directions. From the living room and balcony, enjoy views across the resort's lagoon-style pool toward the Gulf, including southwest-facing sunset views. From the primary bedroom, the perspective shifts southeast along Panama City Beach's coastline, offering Gulf and sunrise views from the opposite side of the residence. Inside, coastal decor and LVP flooring throughout create a bright, cohesive interior. The primary bedroom includes a king-size bed and large flat-screen TV. The living room features a new U-shaped, deep-seated pullout sofa and large flat-screen TV. The kitchen is finished with granite countertops and stainless steel appliances, while a front-loading stackable washer and dryer provides in-unit laundry. The HVAC system was replaced in 2020, and the water heater was replaced in 2021. Documented rental income paid to the owner after management totaled $35,284.13 in 2024 and $30,135.85 in 2025. Completed stays through September 29, 2026, generated $27,818.74 after management and before other ownership expenses. Dolce Vita Getaways has also provided a projected annual rental revenue of $44,100, with an estimated range of $35,500 to $54,400 before management fees and ownership expenses. Past performance and projections are provided for informational purposes only and are not guarantees of future rental income. Shores of Panama Resort features one of the largest Gulf-front lagoon-style pools in Panama City Beach. The zero-entry tropical pool includes palm-lined islands, fountains, a spacious hot tub, and direct access to the resort's beachfront area. 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, attractions, and entertainment nearby. Pineapple Willy's is adjacent to the resort, while Laketown Wharf directly across the street offers a variety of 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. Additional 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 $3,147.62 per quarter. All information, rental income, projections, HOA fees, assessments, measurements, and property details are deemed reliable but not guaranteed; buyer to verify if important.

9900 S Thomas Drive Unit 2126, Panama City Beach

Listing courtesy of Coldwell Banker Realty.

11925 Camellia Street, Fountain
$175,000
3 Beds ⋅ 2 Baths ⋅ 796185 MLS
Welcome to your virtually new, move-in-ready home built in 2024 and officially converted to real property with the title retired, making it fully eligible for standard conventional, FHA, and VA financing. Situated in peaceful Fountain, Florida, this 3-bedroom, 2-bathroom residence features a smart split-floor plan designed for maximum privacy, placing the master suite--complete with a separate shower and a relaxing soaking tub--on one side of the home, while the two guest bedrooms and second full bathroom sit comfortably on the opposite side. The open-concept kitchen serves as the heart of the home, equipped with sleek stainless steel appliances and a large center island ideal for cooking and gathering. Outside, the fully fenced property includes two convenient rolling gates for easy vehicle or equipment access, a practical storage shed, and a built-in irrigation system to keep the lawn lush year-round. Enjoy quiet country living while staying close to everyday essentials, with local grocery stores just a short drive away, Lynn Haven roughly 20 to 25 minutes away for shopping and dining, and Panama City Beach about 45 minutes away foWelcome to your virtually new, move-in-ready home built in 2024 and officially converted to real property with the title retired, making it fully eligible for standard conventional, FHA, and VA financing. Situated in peaceful Fountain, Florida, this 3-bedroom, 2-bathroom residence features a smart split-floor plan designed for maximum privacy, placing the master suite--complete with a separate shower and a relaxing soaking tub--on one side of the home, while the two guest bedrooms and second full bathroom sit comfortably on the opposite side. The open-concept kitchen serves as the heart of the home, equipped with sleek stainless steel appliances and a large center island ideal for cooking and gathering. Outside, the fully fenced property includes two convenient rolling gates for easy vehicle or equipment access, a practical storage shed, and a built-in irrigation system to keep the lawn lush year-round. Enjoy quiet country living while staying close to everyday essentials, with local grocery stores just a short drive away, Lynn Haven roughly 20 to 25 minutes away for shopping and dining, and Panama City Beach about 45 minutes away for the coast.r the coast.Call now and dont miss your chance.

11925 Camellia Street, Fountain

Listing courtesy of Keller Williams Success Realty.

8485 Dreams Float Court, Panama City Beach
$394,900
2 Beds ⋅ 2 Baths ⋅ 796177 MLS
Discover this perfect FULLY FURNISHED/TURNKEY Camellia Cottage in Phase 5 of the 55+ Latitude Margaritaville Watersound -- ideally positioned on one of the rarest and most desirable lots in the community and just minutes to the Town Center and incoming Publix. This home faces a wide, peaceful green space and natural preserve, offering privacy, quiet mornings, and the kind of view relocation buyers dream of when moving to Latitude and a rare find for a small cottage. This home is being sold fully furnished, turnkey and move-in ready -- including pots, pans, dishes, linens, décor, and high-end Ashley and Rooms To Go furniture. With an accepted offer, the GOLF CART also conveys, making your transition effortless from day one. All appliances convey: washer, dryer, refrigerator, range, microwave, and dishwasher. Thoughtful upgrades add comfort and convenience throughout: -Epoxy garage floor -Designer lighting and fans - Recessed lighting in kitchen - great room, dining, and porch - 20-amp garage outlet for golf cart charging - High-mounted TV jacks at lanai and great room - GFI outlet at porch - Pocket door from primary bedroom to bath - Whole-house faux wood blinds - 12'' cabinet above refrigerator - Kitchen cabinet crown molding - Single-mount kitchen sink with soap dispenser. This lot quality, turnkey furnishings, included golf cart, and lifestyle value make this home an exceptional opportunity for relocation buyers seeking a smooth, stress-free move. Enjoy preserve views from your lanai, host friends in your beautifully furnished great room, and cruise to the Town Center the moment you arrive -- this home delivers the easy, breezy Margaritaville lifestyle without the wait, without the hassle, and without needing to lift a finger. With the Publix underway and many businesses already open, this cottage is just minutes to the retail that is coming to life. Latitude Margaritaville Watersound is the premier 55+ community with literally unmatched private amenities in the area to include a resort style pool, restaurant, 3 bars, state of the art fitness center, dog park, dog spa, woodworking, pottery, full size theatre, pickleball, bocce, tennis, basketball, cornhole, pool table, table tennis and live music 7 DAYS A WEEK and events, groups and clubs galore. You're going to love it here!

8485 Dreams Float Court, Panama City Beach

Listing courtesy of Bob Hodges And Sons Realty.

6639 Kettles Street, Panama City
$284,900
3 Beds ⋅ 2 Baths ⋅ 796174 MLS
Welcome to Liberty! This beautifully maintained 3-bedroom, 2-bath, Jemison floor plan is situated on a desirable corner lot and offers 1,648 sq. ft. of comfortable modern living. The open concept floor plan features a spacious kitchen with island, stainless steel appliances, and a walk in pantry, flowing seamlessly into the living and dining area. The split-bedroom layout provides privacy, with primary suite featuring a walk-in-closet and ensuite bath. Enjoy the convenience of smart-home technology throughout, along with a fully fenced vinyl backyard, perfect for pets, entertaining or relaxing outdoors. Liberty offers resort-style community amenities, including a 7,500 square foot community center, swimming pools, splash pad, fitness center, playground, walking areas and sidewalks. If you're looking for a newer, low-maintenance home on a corner lot with modern features and fantastic community amenities, this one is ready to welcome you home!

6639 Kettles Street, Panama City

Listing courtesy of People 1st Real Estate, LLC.

17757 Front Beach Road Unit 1406D, Panama City Beach
$395,000
1 Beds ⋅ 2 Baths ⋅ 796171 MLS
On the beautiful west end of Panama City Beach, Celadon is a great complex with amenities that create a great beach get away. Enjoy stunning views from the balcony, enjoy the pools and hot tubs, or enjoy the beach only steps from the elevator.

17757 Front Beach Road Unit 1406D, Panama City Beach

Listing courtesy of Coldwell Banker Realty.

251 Ryder Lane, Panama City
$359,000
4 Beds ⋅ 2 Baths ⋅ 796169 MLS
Welcome Home to Bridge Harbor! Modern Coastal Comfort Minutes from Tyndall AFB Address: 251 Ryder Lane, Callaway / Panama City, FL 32404 Layout: 4 Bedrooms | 2 Bathrooms | ~1,787 Sq. Ft. The Perfect Fit for Military Families & Coastal Living Cut your commute down to just 5 minutes! Perfectly positioned right off Tyndall Parkway, this move-in-ready home in the desired Bridge Harbor community offers ultimate convenience for personnel stationed at Tyndall Air Force Base. Spend less time commuting and more time enjoying the best of the Gulf Coast. Interior & Functional Layout Spacious Open-Concept Living: Designed for effortless entertaining and day-to-day family life, featuring continuous low-maintenance flooring and plenty of natural light. Functional Kitchen: Features beautiful cabinetry, durable Granite countertops, a large center island, and a walk-in pantry for plenty of storage. Private Primary Suite: Includes a spacious bedroom, walk-in closet, dual-sink vanity, soaking tub, and a separate shower. Versatile 4-Bedroom Floorplan: Excellent layout for a growing family, dedicated home office, or guest space. Community & Location Highlights Resort-Style Amenities: Enjoy access to the community pool, ideal for unwinding on warm Florida afternoons and meeting neighbors. Near St. Andrews Bay: Close to public boat launches and waterfront access for weekend fishing, paddleboarding, and boating. Convenient Callaway Location: Minutes from local dining, grocery stores, and daily conveniences. Whether you are relocating for orders or searching for turnkey coastal living, 251 Ryder Lane combines effortless upkeep, unbeatable base proximity, and neighborhood comfort. Schedule your private tour today! Logan Etheridge Legacy Premier Agency

251 Ryder Lane, Panama City

Listing courtesy of Legacy Premier Agency.

2323 Discovery Loop, Panama City
$350,000
3 Beds ⋅ 2 Baths ⋅ 796167 MLS
Welcome to 2323 Discovery Loop -- a beautifully crafted Harris Doyle home featuring the highly sought-after Sabal floor plan in the heart of Panama City's premier master-planned community, SweetBay. Built in 2025, this 3-bedroom, 3.5-bathroom home offers 1,646 square feet of thoughtfully designed living space with the perfect balance of modern comfort, quality construction, and low-maintenance living. Inside, you'll find a bright, open-concept layout filled with natural light and stylish finishes. The spacious kitchen features stone countertops and stainless steel appliances and flows seamlessly into the dining and living areas -- perfect for everyday living or entertaining. One of the home's standout features is its incredibly versatile bedroom layout. The first-floor primary suite offers added convenience and privacy with a spacious walk-in closet and an impressive tile-to-ceiling shower. Upstairs, you'll find a second primary suite complete with its own private balcony, creating the perfect place to relax and enjoy the Florida lifestyle. The third bedroom also features its own en-suite bath, giving every bedroom access to a private bathroom. Outside, enjoy a covered porch and patio along with a low-maintenance homesite designed for those who would rather spend their time enjoying everything SweetBay has to offer. Living in SweetBay means more than just a home -- it's a lifestyle. The community offers resort-style pools, basketball and sports courts, playgrounds, parks, miles of walking and biking trails, grilling areas, fire pits, a private beach, community dock, fishing, kayaking and access to the bay. University Academy is conveniently located within the neighborhood, while the growing SweetBay Town Center puts Publix, Starbucks, dining, and everyday conveniences just minutes away. A future marina will add even more to this already incredible community. Don't miss your opportunity to own this nearly new Sabal floor plan featuring two primary suites, three en-suite bedrooms, a private balcony, and an exceptional location in one of Panama City's most desirable communities -- schedule your private tour today!

2323 Discovery Loop, Panama City

Listing courtesy of Think Real Estate.

8743 Thomas Drive Unit 1222, Panama City Beach
$339,000
1 Beds ⋅ 2 Baths ⋅ 796161 MLS
Gulf-front condo at The Summit Beach Resort in Panama City Beach! This well-located unit offers beautiful Gulf views and direct access to the white-sand beach from one of PCB's established beachfront resorts. The Summit is a 15-story complex on Thomas Drive, close to restaurants, shopping, entertainment, and popular area attractions. Resort amenities include multiple pools, hot tubs, a fitness center, tennis and basketball courts, shuffleboard, saunas, on-site dining, a convenience/gift shop, and direct beach access. The condo offers a functional layout with a private balcony overlooking the Gulf, making it a great option for a primary residence, second home, or vacation-rental investment. Enjoy incredible sunsets, easy beach access, and the convenience of resort-style amenities right outside your door. The Summit's central Thomas Drive location keeps you close to everything Panama City Beach has to offer while still giving you the full beachfront experience.

8743 Thomas Drive Unit 1222, Panama City Beach

Listing courtesy of Fun Quest Vacation Rentals Corp.

3701 E 5th Street, Panama City
$140,000
3 Beds ⋅ 2 Baths ⋅ 796157 MLS
Welcome home to this 3-bedroom, 2-bath home that's truly move-in ready. You will walk into a spacious, open layout designed for comfortable living. Fresh, neutral colors throughout create a clean, inviting feel and make it easy to add your personal touch. With thoughtful updates already completed, this home is ready for its new owner to move right in and enjoy. Comfortable, and well-maintained, don't miss this opportunity!

3701 E 5th Street, Panama City

Listing courtesy of Real Broker LLC.

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