Homes for Sale $300K to $500K in Panama City Beach, FL
This page tracks every Panama City Beach listing with an asking price between $300,000 and $500,000, by community, with live counts and asking prices. Prices are asking prices from the MLS, not values, and the list changes with every refresh.
596 homes listed between $300,000 and $500,000 are for sale or pending in Panama City Beach, FL today across 188 communities. The median asking price is $399,000, from $300,000 to $499,999. Listings in Panama City Beach without that feature have a median of $589,000. Most listings right now: Latitude at Watersound (31), Colonial Landing (25), Bayside at Ward Creek (21). Updated October 2, 2026 from the MLS.
Live $300k–$500k homes in Panama City Beach: the listings
508 active listings match today (36% of Panama City Beach inventory), median asking $399,000, median 91 days on market. Photo cards link to the listing; refreshed nightly.
Newest $300k–$500k homes in Panama City Beach
The most expensive $300k–$500k homes in Panama City Beach
| Listing | Asking | Sq ft | Community |
|---|---|---|---|
| 130 Heather Drive, Panama City Beach, Fl 32413 | $499,999 | — | Gulf Highlands |
| 423 Kelly Street, Panama City Beach, Fl 32413 | $499,999 | — | Kiska Beach |
| 11800 Front Beach Road 2-201, Panama City Beach, Fl 32407 | $499,900 | — | Grand Panama Beach Resort |
| 10519 Front Beach Road 1705A, Panama City Beach, Fl 32407 | $499,000 | — | Twin Palms Resort |
| 17729 Front Beach Road 702E, Panama City Beach, Fl 32413 | $499,000 | — | Splash Condo |
| 176 Marlin Circle, Panama City Beach, Fl 32408 | $499,000 | — | Bay Point |
| 8613 Tropics Avenue, Panama City Beach, Fl 32413 | $499,000 | — | Latitude At Watersound |
| 23223 Front Beach Road A-324, Panama City Beach, Fl 32413 | $499,000 | — | Pinnacle Port |
| 362 Emerald Cove Street, Panama City Beach, Fl 32407 | $499,000 | — | Emerald Cove Villas |
| 17757 Front Beach Road 502, Panama City Beach, Fl 32413 | $499,000 | — | Celadon Beach |
$300K–$500K Homes by price
| Band | For sale | Share |
|---|---|---|
| $300K–$500K | 508 | 100% |
Panama City Beach homes $300K–$500K by community
Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale. The 60 communities with the most homes $300K–$500K listed are tabled; the rest follow.
| Community | Homes $300K–$500K | New build | Median list | From |
|---|---|---|---|---|
| Latitude at Watersound | 31 | 4 | $412,000 | $365,000 |
| Colonial Landing | 25 | 25 | $359,000 | $303,336 |
| Bayside at Ward Creek | 21 | 17 | $435,069 | $314,901 |
| Gulf Highlands Beach Resort | 20 | 0 | $344,500 | $310,000 |
| Laketown Wharf | 17 | 0 | $339,900 | $310,000 |
| Shores Of Panama | 16 | 0 | $345,000 | $316,900 |
| Venture Out Travel Trail | 14 | 0 | $419,000 | $305,000 |
| Origin At Seahaven | 11 | 1 | $415,000 | $308,900 |
| Emerald Beach Resort | 11 | 0 | $350,000 | $332,500 |
| Breakfast Point East | 10 | 6 | $457,400 | $429,900 |
| Tidewater Beach Phase II | 9 | 0 | $420,000 | $409,900 |
| Calypso Towers III | 9 | 0 | $399,999 | $368,900 |
| Sunbird Condo | 9 | 0 | $315,000 | $305,000 |
| Caballeros Estates at Hombre | 8 | 7 | $445,055 | $354,000 |
| Whisper Dunes | 8 | 0 | $389,900 | $300,000 |
| Pinnacle Port Phase 1-A | 8 | 0 | $372,450 | $309,000 |
| Sanctuary Beach | 7 | 6 | $459,900 | $399,900 |
| Celadon Beach | 7 | 0 | $430,000 | $399,900 |
| Tidewater Beach Phase I | 7 | 0 | $378,900 | $335,000 |
| Grand Panama Beach Resort | 7 | 0 | $359,800 | $305,000 |
| Boardwalk Central | 7 | 0 | $359,000 | $339,000 |
| Island Reserve | 7 | 0 | $350,000 | $309,900 |
| Splash Condo | 6 | 0 | $465,000 | $399,000 |
| Regency Towers | 6 | 0 | $464,250 | $415,000 |
| Gulf Highlands | 6 | 0 | $412,450 | $365,000 |
| Majestic Beach Tower I | 6 | 0 | $382,450 | $356,900 |
| Edgewater Tower I | 5 | 0 | $479,000 | $425,000 |
| Edgewater Tower III | 5 | 0 | $395,000 | $350,000 |
| Magnolia Bay Club | 5 | 0 | $375,000 | $342,000 |
| Shores Of Panama Phase II | 5 | 0 | $372,000 | $319,000 |
| The Summit | 5 | 0 | $329,900 | $314,900 |
| Dunes Of Panama Phase V | 4 | 0 | $464,000 | $450,000 |
| Edgewater Tower II | 4 | 0 | $461,950 | $425,000 |
| Ocean Reef | 4 | 0 | $460,500 | $449,000 |
| Laguna Beach | 4 | 0 | $458,500 | $420,000 |
| Bay Point Unit 1 | 4 | 0 | $456,500 | $427,000 |
| Breakfast Point | 4 | 0 | $449,900 | $448,000 |
| Pinnacle Port Condo | 4 | 0 | $442,000 | $405,000 |
| Twin Palms Resort | 4 | 0 | $434,000 | $390,000 |
| Villa Chateaus | 4 | 0 | $431,950 | $400,000 |
| Leeward/Windward Condo | 4 | 0 | $430,000 | $399,000 |
| Gulf Highlands Unit-2 | 4 | 0 | $424,950 | $389,000 |
| Sterling Reef | 4 | 0 | $424,900 | $415,000 |
| Sterling Breeze | 4 | 0 | $412,000 | $399,900 |
| Marina Landing | 4 | 0 | $400,000 | $359,900 |
| Laketown Wharf Phase II | 4 | 0 | $387,499 | $349,000 |
| Open Sands | 4 | 0 | $369,500 | $335,000 |
| Biltmore Beach | 4 | 0 | $360,000 | $349,900 |
| Summit | 4 | 0 | $329,500 | $325,000 |
| Edgewater Golf Villas 1 | 4 | 0 | $329,000 | $309,900 |
| Shores Of Panama Phase I | 4 | 0 | $320,000 | $300,000 |
| Palmetto Trace Phase IV | 3 | 0 | $459,900 | $457,000 |
| Turtle Cove At Lake Powell | 3 | 0 | $459,000 | $367,970 |
| Paradise Grove | 3 | 3 | $449,000 | $449,000 |
| Summerhouse Condo. | 3 | 0 | $412,000 | $412,000 |
| Pinnacle Port Phase 1-D | 3 | 0 | $369,000 | $364,000 |
| Treasure Palms | 3 | 0 | $355,500 | $335,500 |
| Bay Point Harbour Villas | 3 | 0 | $355,000 | $310,000 |
| Beachview Villas | 3 | 0 | $349,990 | $315,000 |
| Horizon South Townhouses | 3 | 0 | $345,000 | $320,000 |
Also with homes $300K–$500K for sale
- Mariner West Condo (3)
- Ambassador Beach Condo (3)
- Continental Condos (3)
- Indigo at Front Beach (3)
- Emerald Cove Villas (2)
- Calypso Towers I (2)
- Majestic Beach Tower II (2)
- Ocean Villa (2)
- Moondrifter (2)
- Laguna Haven (2)
- Pointe Panama (2)
- Bel Air (2)
- Sugar Beach Condo (2)
- Seychelles Resort Condominium (2)
- Summerwood (2)
- Holiday Beach Unit 13 (2)
- Lakeside Villas (2)
- Sunrise Beach (2)
- El Centro Beach (2)
- Diamond Head-Lakeside (2)
- Summerhouse Of P.C. 1 (2)
- Harrison's Walk (2)
- Reflections (2)
- Palmetto Trace Phase 2 (2)
- Bahama Beach (2)
- Fontainebleau Terrace (2)
- Marina Club Village (2)
- Miramar Heights (2)
- River Oaks Tennis Villas (2)
- Treasure Island (2)
- Peachtree Place Phase I (2)
- Silver Sands Unit 2 (2)
- Palm Cove (2)
- Waterhaven (2)
- Southwind 3 Condo (2)
- Pinnacle Port (2)
- Edgewater Golf Villas III-A (2)
- Sand Castles West 3 (2)
- Horizon South XVII (2)
- Kiska Beach 1st Add (1)
- Treasure Cove Unit 2 (1)
- Aquavista Condo (1)
- Bid-A-Wee North 1st Add (1)
- Palazzo (1)
- Lake Powell Estates (1)
- Laguna Beach Estates 6th Add (1)
- Holiday Beach Unit 8 (1)
- Treasure Cove (1)
- Bahama Beach 1st Add (1)
- Bid A Wee (1)
- Dunes Of Panama Phase IV (1)
- Summerwood Phase I (1)
- Summer Breeze (1)
- Pirate's Cove Inlet (1)
- Emerald Shores Condo (1)
- Inlet Beach Heights (1)
- Palmetto Trace Phase III (1)
- Greentree Unit-1 (1)
- Dunes Of Panama Phase III (1)
- Tapestry Park (1)
- Calypso Towers II (1)
- Point Royal Homes Unit 1 (1)
- Thomas Drive Park U-1 (1)
- Moonraker (1)
- Laguna Beach Estates 7th Add (1)
- Palm Bay Unit 1 (1)
- Riviera Beach (1)
- Woodlawn Unit 1 (1)
- Kiska Beach (1)
- The Glades Phase II (1)
- Suntime Beach U-1 (1)
- Sunnyside (1)
- Summerwood Phase II (1)
- Ocean Mist (1)
- Bel Air 2nd Add (1)
- Wells Gulf Beach Estates (1)
- Laguna Beach Estates (1)
- Holiday Beach Unit 10 (1)
- Summer Breeze Phase II (1)
- Pelican Walk (1)
- Laguna Beach 8th Add (1)
- Edgewater Golf Villas 3A (1)
- Pines 5th Add (1)
- Greenwood Estates 6 (1)
- Lullwater Beach (1)
- Grand Lagoon Shores11 (1)
- North Lagoon Heights Phase II (1)
- Hidden Pines Phase II (1)
- The Commodore (1)
- Gulf Vista Sec 2 (1)
- Venture Out (1)
- Silver Sands Unit 1 (1)
- Gulfgate Condo (1)
- Pirates Cove Inlet Condo II (1)
- North Lagoon Heights (1)
- Coral Bay Village (1)
- North Beach Estates (1)
- Laguna Beach Estates 5th Add (1)
- Hidden Pines Phase VI (1)
- Hibiscus By The Bay (1)
- Waterfall Phase I (1)
- Southwind Condo. (1)
- Daugette Add-Bahm Bch (1)
- Bay Point Golf Cove Estates (1)
- Southwind 2 (1)
- Grand Lagoon Villa (1)
- Holiday Point (1)
- Palm Cove Phase III (1)
- Hathaway Townhomes (1)
- Edgewater Golf Villas 6 B (1)
- Southwind 1 (1)
- Misty Harbour Condo. (1)
- Harbour Towne (1)
- Laguna Beach Estates 8th Add (1)
- Palm Cove Phase II (1)
- Edgewater Golf Villas IV (1)
- Palmetto Trace Phase 1 (1)
- North Lagoon Oaks 5th (1)
- Hidden Lagoon (1)
- Oceanna Condo (1)
- Bonita Point (1)
- Carillon Beach (1)
- Palm Cove Phase I (1)
- Brandywine Estates (1)
- Hutchison's 2nd To Bahama Bch (1)
- Portside Condo (1)
- Pinnacle Port Phase 1-C (1)
- The Pines (1)
Where this band sits in the market
The answer block above shows how the median of this band compares with the rest of the city’s listings, which tells you whether $300,000–$500,000 is the middle of the market here or the top of it. Within the band, compare on price per square foot and year built: newer subdivisions usually price higher per foot with lower expected maintenance, older ones the reverse. Each community page carries the HOA and CDD picture, the year-built range and the sales history, so two homes at the same price can be told apart in a few minutes.
Questions to ask about any listing in this band
What are the total monthly carrying costs (taxes, insurance, HOA, CDD) and how do they compare with a similar home two communities over? What is the age of the roof, HVAC and water heater? Is the community’s HOA financially healthy (reserves, no pending assessment)? How many days has the listing been on the market and has the price moved? A local agent who works the area will know which communities in this band are trading at asking and which are negotiating.
Common questions
How many homes listed between $300,000 and $500,000 are for sale in Panama City Beach?
What do homes $300K–$500K cost in Panama City Beach?
Which Panama City Beach community has the most homes $300K–$500K for sale?
What is the monthly payment on a $400,000 home?
Keep exploring Panama City Beach
- All homes for sale in Panama City Beach
- Panama City Beach ZIP codes with prices
- Panama City Beach 4-bedroom homes
- Panama City Beach homes under $300K
- Homes $300K–$500K in every city
Homes $300K–$500K in nearby Bay County cities
- Panama City homes $300K–$500K (488 for sale)
- Lynn Haven homes $300K–$500K (53 for sale)
- Southport homes $300K–$500K (27 for sale)
- Mexico Beach homes $300K–$500K (26 for sale)
- Youngstown homes $300K–$500K (14 for sale)
Live data: Central Panhandle AOR, refreshed with every MLS pull; this page rebuilds on every ship. Community-level aggregates only: active and pending residential listings in Panama City Beach, FL whose MLS record reports an asking price between $300,000 and $500,000. Prices are asking prices, not values. Property features and prices only; nothing on this page describes residents. Equal Housing Opportunity.