Sweetbay Homes under $500,000

Sweetbay Homes under $500,000

Welcome to Sweetbay, a vibrant subdivision nestled in the heart of Panama City, Florida. This picturesque community is a hidden gem in Bay County, offering a perfect blend of modern living and natural beauty. With its charming tree-lined streets, lush green spaces, and a friendly atmosphere, Sweetbay is an ideal place for families, young professionals, and retirees alike.

One of the standout features of Sweetbay is its affordability. Homes in this delightful neighborhood are available for under $500,000, making it an attractive option for those looking to invest in a quality home without breaking the bank. The variety of architectural styles and floor plans ensures that there is something for everyone, whether you prefer a cozy single-family home or a more spacious layout for entertaining guests.

In addition to the beautiful homes, Sweetbay boasts an array of amenities that enhance the community's appeal. Residents can enjoy access to walking trails, parks, and playgrounds, fostering a sense of community and encouraging outdoor activities. The subdivision is conveniently located near shopping, dining, and entertainment options, providing everything you need just a stone's throw away.

Living in Sweetbay means embracing a lifestyle that balances convenience with tranquility. The friendly neighbors and community events create a welcoming environment where lasting friendships can flourish. With its affordable homes and charming atmosphere, Sweetbay is not just a place to live; it’s a place to call home. Come explore the possibilities today and discover why so many are choosing to make Sweetbay their forever home!

Newest Sweetbay Homes under $500,000

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

Listing courtesy of SweetBay Realty.

2204 Warbler Street, Panama City
$450,000
3 Beds ⋅ 2 Baths ⋅ 796912 MLS
Welcome to 2204 Warbler Street -- a beautifully designed Harris Doyle home featuring the desirable Magnolia III floor plan in Panama City's premier master-planned waterfront community, SweetBay. Built in 2024, this 3-bedroom, 2-bathroom cottage offers 1,551 square feet of thoughtfully designed living space, blending modern finishes, coastal charm, and low-maintenance living. Located in SweetBay's popular Cottage Collection, this home offers exceptional neighborhood amenities and the convenience of additional HOA-provided exterior maintenance. Step inside to a bright, open-concept layout designed for comfortable everyday living and effortless entertaining. The living area flows seamlessly into the dining space and kitchen, creating an inviting atmosphere that makes excellent use of the home's footprint. The kitchen features Quartz countertops, stainless steel appliances, and a functional layout for preparing meals or gathering with guests. Luxury vinyl plank flooring throughout the main living areas adds a stylish, durable finish that complements the home's coastal design. The primary suite offers a comfortable private retreat with a spacious walk-in closet and ensuite bathroom featuring a tiled shower. Two additional bedrooms provide flexible space for guests, a home office, or hobbies, while a second full bathroom adds convenience. With all bedrooms and living areas on one level, the Magnolia III floor plan delivers practicality without sacrificing comfort or style. Outside, the charming covered front porch is perfect for morning coffee or relaxing in the evening. A private garage provides convenient parking and storage. The backyard is a standout feature, with an extended concrete patio, artificial turf, and a fully fenced yard. Whether grilling, entertaining friends, or enjoying a quiet afternoon outdoors, this upgraded space offers an attractive, easy-care extension of the home with added privacy. A major benefit of the Cottage Collection is the additional maintenance provided through its HOA. Cottage services include lawn maintenance and annual exterior pressure washing, along with exterior repainting and roof replacement when those components reach the end of their useful life, subject to the association's governing documents and schedules. These services are designed to reduce routine exterior upkeep and support the appeal of low-maintenance homeownership. Buyers should verify the current cottage-specific HOA fees, documents, coverage, and any applicable assessments. Living in SweetBay means more than owning a home -- it's a lifestyle. This waterfront community offers resort-style swimming pools, basketball and recreational sports courts, playgrounds, neighborhood parks, miles of scenic walking and biking trails, grilling areas, fire pits, and green spaces. Residents can also enjoy a private community beach, dock, fishing, kayaking, paddleboarding, and access to North Bay. From afternoons by the pool to sunset walks along the waterfront, SweetBay makes it easy to embrace Florida's outdoor lifestyle. University Academy is conveniently located within the neighborhood, while the growing SweetBay Town Center brings Publix, Starbucks, dining, shopping, and everyday essentials close to home. Plans for a future marina add to the community's long-term vision. SweetBay also offers convenient access to downtown Panama City, historic St. Andrews, restaurants, shopping, and the white-sand beaches of Panama City Beach. Don't miss this nearly new Magnolia III cottage featuring an open-concept design, modern finishes, a private garage, an extended concrete patio, a turfed and fenced backyard, and Cottage Collection maintenance benefits. Discover comfort, convenience, and an amenity-rich coastal lifestyle at 2204 Warbler Street -- schedule your private tour today!

2204 Warbler Street, Panama City

Listing courtesy of Think Real Estate.

1021 N Discovery Loop, Panama City
$470,000
3 Beds ⋅ 2 Baths ⋅ 796882 MLS
Welcome to this beautifully maintained, like-new 3-bedroom, 2-bath home in the sought-after SweetBay community! Situated on a premium lot of nearly 7,000 square feet with a view of the bay, this home combines modern comfort, smart-home convenience, and an exceptional lifestyle. The thoughtfully selected upgrades set this property apart, including quartz countertops in both the kitchen and bathrooms, smart interior lighting compatible with major smart-home systems, and a whole-home security system. The primary bathroom offers a touch of luxury with a rain shower and built-in heater for added comfort. Step outside to enjoy the fully fenced backyard, complete with an in-ground sprinkler system to keep the landscaping looking its best, permanent smart holiday lighting, and a natural gas hookup on the back patio--perfect for outdoor grilling and entertaining. Fiber internet adds another level of convenience for working from home, streaming, and staying connected. Living in SweetBay means enjoying a lifestyle beyond your front door. Residents have access to resort-style swimming pools, a vibrant Town Center, neighborhood parks, walking trails, basketball courts, playgrounds, and a community dock with access to North Bay. With golf-cart-friendly streets and inviting outdoor spaces, SweetBay offers a unique blend of recreation, community, and relaxation. Conveniently located near shopping, restaurants, medical facilities, and historic downtown Panama City, with the beautiful beaches just a short drive away, this home offers the perfect balance of modern living and coastal lifestyle. With its bay view, premium homesite, extensive upgrades, and desirable community amenities, this SweetBay home is one you won't want to miss!

1021 N Discovery Loop, Panama City

Listing courtesy of Chesnut Realty, Inc.

2323 Discovery Loop, Panama City
$350,000
3 Beds ⋅ 2 Baths ⋅ 796167 MLS
Welcome to 2204 Warbler Street -- a beautifully designed Harris Doyle home featuring the desirable Magnolia III floor plan in the heart of Panama City's premier master-planned waterfront community, SweetBay. Built in 2024, this 3-bedroom, 2-bathroom home offers 1,551 square feet of thoughtfully designed living space, combining modern finishes, coastal charm, and the convenience of low-maintenance living. Located within SweetBay's popular Cottage Collection, this home is perfect for those looking to enjoy all the benefits of a vibrant coastal community without the upkeep of a traditional large homesite. Inside, you'll find a bright, open-concept floor plan designed for both comfortable everyday living and effortless entertaining. The spacious living area flows seamlessly into the dining space and kitchen, creating an inviting atmosphere that makes excellent use of the home's layout. The kitchen features beautiful granite countertops, stainless steel appliances, and ample space for preparing meals and gathering with guests. Luxury vinyl plank flooring throughout the main living areas adds a stylish, durable finish that complements the home's modern coastal design. The primary suite provides a comfortable private retreat, featuring a spacious walk-in closet and an ensuite bathroom complete with a beautifully finished tile shower. Two additional bedrooms offer versatility for guests, a home office, or whatever best suits your needs, while a second full bathroom provides added convenience. With all three bedrooms and both bathrooms situated on a single level, the Magnolia III floor plan offers a practical and functional layout without sacrificing comfort or style. One of the home's standout features is its charming covered front porch, offering the perfect place to enjoy your morning coffee, unwind in the evenings, or take in the welcoming neighborhood atmosphere. The attached two-car carport provides convenient covered parking, while the thoughtfully designed Cottage Collection emphasizes easy, low-maintenance living. Spend less time worrying about yard work and more time enjoying the incredible amenities and outdoor activities available just beyond your doorstep. Living in SweetBay means more than just owning a home -- it's a lifestyle. This exceptional waterfront community offers resort-style swimming pools, basketball and recreational sports courts, playgrounds, neighborhood parks, miles of scenic walking and biking trails, grilling areas, fire pits, and beautiful green spaces throughout. Residents can also enjoy a private community beach, dock, fishing, kayaking, paddleboarding, and access to the beautiful waters of North Bay. Whether you're spending an afternoon by the pool, exploring the trails, or enjoying a sunset along the waterfront, SweetBay offers countless opportunities to embrace the Florida coastal lifestyle. Adding to the convenience, University Academy is located within the neighborhood, while the growing SweetBay Town Center brings Publix, Starbucks, dining, shopping, and everyday essentials close to home. The community's continued development, including plans for a future marina, adds even more excitement to this already desirable location. SweetBay is also conveniently situated near downtown Panama City, historic St. Andrews, local restaurants, shopping, and the white-sand beaches of Panama City Beach. Don't miss your opportunity to own this nearly new Magnolia III cottage featuring an open-concept design, modern finishes, a spacious primary suite, covered front porch, two-car carport, and an exceptional location in one of Panama City's most sought-after waterfront communities. Experience the perfect combination of comfort, convenience, and low-maintenance coastal living at 2204 Warbler Street -- schedule your private tour today!

2323 Discovery Loop, Panama City

Listing courtesy of Think Real Estate.

Panama City
$434,900
3 Beds ⋅ 2 Baths ⋅ 796139 MLS
Lake views, effortless outdoor entertaining, and more time to enjoy the SweetBay lifestyle--welcome to 2417 Rushes Avenue. Located in a lock-and-leave phase where the HOA covers landscape maintenance and irrigation, this coastal home offers easy everyday living. Start your morning with coffee on the covered front porch overlooking the lake. Inside, bright, open living and dining spaces connect to a kitchen featuring Shaker-style cabinetry, stainless steel appliances, a herringbone backsplash, and an island with bar seating. Three bedrooms plus a lake-view study with its own walk-in closet offer a flexible layout, with the study able to function as a fourth bedroom. The primary suite includes a walk-in closet and a private bath with a glass-enclosed tiled shower. The oversized 2.5-car carport doubles as a spacious covered entertaining area, connecting directly to the patio and featuring electrical provisions for a TV. From game-day gatherings to outdoor dinners, there's room to make the most of coastal evenings. A separate storage room keeps bikes, paddleboards, and beach gear organized... and with the HOA handling landscaping and irrigation, you can save that space for recreation instead of lawn equipment. Beyond your doorstep, SweetBay invites you to fill your days with golf cart rides, scenic walks, bike rides, poolside afternoons, and sunsets along North Bay. Community pools, parks, playgrounds, a sports court, trails, and bay access provide plenty of ways to get outside, whether you enjoy kayaking, paddleboarding, fishing, or simply relaxing by the water. Farmers markets, concerts in the park, seasonal celebrations, and resident gatherings create opportunities to connect with your new neighbors and enjoy an active community. The Publix-anchored Town Center brings groceries, Starbucks coffee, dining, shopping, and everyday conveniences right into the neighborhood just a short walk or golf cart ride away. Looking ahead, SweetBay's planned future marina adds another exciting dimension to the community's coastal vision. With lake views, versatile indoor and outdoor spaces, and less yard work on your calendar, 2417 Rushes Avenue gives you more freedom to enjoy everything that makes life in SweetBay so special.

Panama City

Listing courtesy of SweetBay Realty.

1608 Plover Street, Panama City
$435,000
3 Beds ⋅ 2 Baths ⋅ 793494 MLS
Looking for a home in SweetBay, check this one out! The Orchid floor plan is beautifully designed with 3 bedrooms. 2 baths blending functionality and outdoor living. Primary suite offers a private retreat to unwind. Open living, dining and kitchen provides space for everyday living and entertaining. Step outside to a fully fenced backyard with an outdoor kitchen for grilling along with a two-car detached garage. SweetBay offers a walkable community with two community pools, sports court, playground, access to the bay for kayaking and paddle boarding, and multiple green spaces/park. Town Center has a Publix, Starbucks and additional shopping and restaurants Schedule your showing today! Please confirm measurement if deemed important.

1608 Plover Street, Panama City

Listing courtesy of SweetBay Realty.

3109 E Heartleaf Avenue, Panama City
$450,000
3 Beds ⋅ 2 Baths ⋅ 793318 MLS
Welcome to the Anna Maria Floor Plan in the SweetBay offering a spacious open layout, natural light with coastal inspired feel. It is a great floor plan for everyday living and entertaining where the living and dining and kitchen flow seamlessly. With three bedrooms, two baths, the split-bedroom floor plan provides privacy, with a generous primary suite tucked away for relaxation. Enjoy outdoor living with a charming, covered porch and a covered lanai overlooking a fully fenced in backyard. SweetBay offers a walkable community with two community pools, sports court, playground, access to the bay for kayaking and paddle boarding, and multiple green spaces/park. Town Center has a Publix, Starbucks and additional shopping and restaurants Schedule your showing today! Please confirm measurement if deemed important.

3109 E Heartleaf Avenue, Panama City

Listing courtesy of SweetBay Realty.

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

Listing courtesy of SweetBay Realty.

1081 Blazing Star Street Unit LOT 495 - LARGO PLAN, Panama City
$415,533
3 Beds ⋅ 2 Baths ⋅ 791504 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 Largo plan by Harris Doyle Homes is a Lock & Leave Cottage at SweetBay situated on a corner lot! The open great room has 10' ceilings and connects to the dining room and eat-in island kitchen with stainless appliances, stone countertops, walk-in pantry and tile backsplash all included. The primary suite has a tile-to-ceiling shower, dual vanities, and walk-in closet. The Largo includes a two-car carport, large front porch and rear covered patio. 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.

1081 Blazing Star Street Unit LOT 495 - LARGO PLAN, Panama City

Listing courtesy of SweetBay Realty.

1664 Rushes Avenue, Panama City
$465,000
3 Beds ⋅ 2 Baths ⋅ 789877 MLS
Built in 2024 by Harris Doyle, this Clearwater floor plan sits on a lot of more than a quarter acre, which is rare in SweetBay, and it backs up to a protected preserve. That means no rear neighbors, just green views and quiet out the back windows. The professionally landscaped yard frames the home with curb appeal out front and gives you an outdoor space in back that already feels finished. Inside, 1,760 square feet of single-story living keeps everything easy. The open main living area connects kitchen, dining, and family space, so cooking dinner and hanging out happen in the same room. The primary suite sits apart from the guest bedrooms and has its own bath and a large walk-in closet. Two more bedrooms and a full hall bath give you flexibility for guests, kids, or a home office. The two-car garage is insulated to stay cooler through Florida summers, so it actually works as a workshop, gym, or storage space, not just a place to park. Living in SweetBay is more than a home, it's a lifestyle. Spend your days at the resort-style pools, sports and basketball courts, playgrounds, and parks, or explore miles of walking and biking trails. Evenings are made for the grilling areas and fire pits. Residents also enjoy a private beach, community dock, fishing, kayaking, and direct access to the bay, with a future marina on the way. University Academy is right inside the neighborhood, and the growing SweetBay Town Center puts Publix, Starbucks, dining, and everyday conveniences just minutes from your door. Newer home, bigger lot, preserve views, and the best neighborhood in town. Schedule your showing today.

1664 Rushes Avenue, Panama City

Listing courtesy of Think Real Estate.

1713 Sweet Pea Court, Panama City
$489,000
3 Beds ⋅ 2 Baths ⋅ 788885 MLS
Welcome to 1713 Sweet Pea Court, a beautifully maintained 3-bedroom, 2-bath Orchid Plan by Samuel Taylor Homes located in the highly sought-after SweetBay master-planned community. Designed with both comfort and functionality in mind, this Craftsman-style home offers an open-concept layout, quality finishes, and an exceptional lifestyle in one of Panama City's most desirable golf cart-friendly neighborhoods. A golf cart is included with the home, making it easy to enjoy everything this vibrant coastal community has to offer. Inside, the home features fresh interior paint, updated light fixtures, and thoughtful upgrades throughout. The kitchen is designed for everyday living and entertaining with quartz countertops, custom backsplash, under-cabinet lighting, stainless steel appliances including a gas range, a spacious walk-in pantry, and a large island overlooking the living and dining spaces. The private primary suite offers a peaceful retreat with tray ceilings, double vanities, a tiled walk-in shower, and a generous walk-in closet. A split-bedroom floor plan provides privacy, while additional features include custom blinds, ceiling fans, dedicated laundry area, gutters, hurricane protection, and meticulous upkeep throughout. Step outside to a screened lanai, extended patio, and fenced backyard ideal for relaxing, entertaining, or enjoying outdoor living. Beyond the home itself, SweetBay offers a true lifestyle destination. Residents enjoy private beach access on North Bay, miles of walking and biking trails, open green spaces, community pools, sports courts, playgrounds, kayaking and paddleboarding access, shopping, dining, and a vibrant town center. Families will appreciate having University Academy, a top-rated K-8 school, located right within the community, adding convenience and long-term value. Golf cart-friendly streets make it easy to explore neighborhood amenities, connect with neighbors, and enjoy the coastal community atmosphere SweetBay is known for. Located just minutes from downtown Panama City, waterfront recreation, and the Gulf beaches, this home offers an exceptional opportunity for buyers seeking a primary residence in a highly amenitized master-planned community. All measurements are approximate and should be verified by buyer if important.

1713 Sweet Pea Court, Panama City

Listing courtesy of Counts Real Estate Group Inc.

1209 Bluestem Street, Panama City
$499,000
3 Beds ⋅ 2 Baths ⋅ 788362 MLS
RARE opportunity to own the highly sought-after Anna Maria floor plan in SweetBay - no longer being built! This 3 bedroom, 2 bath, 1,849 sq ft home stands out with no carpet, quartz countertops, and an amazing primary suite. The open-concept layout flows seamlessly to a custom patio bar & grill - perfect for entertaining. New epoxy-coated garage floors and a highly functional laundry-to-primary custom closet connection. Located in the heart of SweetBay, residents enjoy a true lifestyle community with resort-style pools, scenic walking trails, parks, and access to North Bay. Golf cart-friendly streets and community events create a connected, vibrant atmosphere that's hard to find elsewhere. Move-in-ready homes like this don't come up often!

1209 Bluestem Street, Panama City

Listing courtesy of SweetBay Realty.

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