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.
628 homes listed between $300,000 and $500,000 are for sale or pending in Panama City Beach, FL today across 194 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 $582,114. Most listings right now: Latitude at Watersound (34), Colonial Landing (27), Gulf Highlands Beach Resort (23). Updated September 11, 2026 from the MLS.
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 | 34 | 3 | $419,950 | $349,000 |
| Colonial Landing | 27 | 27 | $359,900 | $303,336 |
| Gulf Highlands Beach Resort | 23 | 0 | $349,000 | $310,000 |
| Shores Of Panama | 17 | 0 | $345,000 | $316,900 |
| Laketown Wharf | 17 | 0 | $339,900 | $310,000 |
| Venture Out Travel Trail | 15 | 0 | $399,000 | $305,000 |
| Bayside at Ward Creek | 12 | 8 | $398,593 | $320,000 |
| Emerald Beach Resort | 12 | 0 | $375,000 | $332,500 |
| Caballeros Estates at Hombre | 11 | 10 | $450,228 | $354,000 |
| Calypso Towers III | 11 | 0 | $399,999 | $368,900 |
| Breakfast Point East | 10 | 7 | $483,590 | $439,000 |
| Origin At Seahaven | 10 | 1 | $409,000 | $309,000 |
| Tidewater Beach Phase II | 9 | 0 | $430,000 | $414,900 |
| Sunbird Condo | 9 | 0 | $317,000 | $310,000 |
| Sanctuary Beach | 8 | 7 | $459,900 | $393,074 |
| Pinnacle Port Phase 1-A | 8 | 0 | $372,450 | $309,000 |
| Island Reserve | 8 | 0 | $348,450 | $315,000 |
| Celadon Beach | 7 | 0 | $419,000 | $399,900 |
| Whisper Dunes | 7 | 0 | $409,900 | $315,000 |
| Tidewater Beach Phase I | 7 | 0 | $388,900 | $335,000 |
| Majestic Beach Tower I | 7 | 0 | $369,900 | $357,900 |
| Grand Panama Beach Resort | 7 | 0 | $324,900 | $315,000 |
| Edgewater Tower I | 6 | 0 | $462,000 | $425,000 |
| Ocean Reef | 6 | 0 | $461,000 | $449,000 |
| Regency Towers | 6 | 0 | $454,250 | $415,000 |
| Sterling Reef | 6 | 0 | $434,950 | $415,000 |
| Gulf Highlands | 6 | 0 | $412,450 | $365,000 |
| Edgewater Tower III | 6 | 0 | $397,000 | $350,000 |
| Shores Of Panama Phase II | 6 | 0 | $383,500 | $319,000 |
| Boardwalk Central | 6 | 0 | $359,750 | $349,000 |
| Open Sands | 6 | 0 | $352,000 | $320,000 |
| Edgewater Tower II | 5 | 0 | $480,000 | $448,900 |
| Palmetto Trace Phase IV | 5 | 0 | $459,900 | $435,000 |
| Twin Palms Resort | 5 | 0 | $399,000 | $370,000 |
| Magnolia Bay Club | 5 | 0 | $375,000 | $342,000 |
| Biltmore Beach | 5 | 0 | $365,000 | $319,900 |
| Shores Of Panama Phase I | 5 | 0 | $335,000 | $300,000 |
| The Summit | 5 | 0 | $329,900 | $315,000 |
| Splash Condo | 4 | 0 | $480,750 | $419,900 |
| Dunes Of Panama Phase V | 4 | 0 | $464,000 | $450,000 |
| Pinnacle Port Condo | 4 | 0 | $442,000 | $405,000 |
| Villa Chateaus | 4 | 0 | $431,950 | $400,000 |
| Emerald Cove Villas | 4 | 0 | $412,450 | $360,000 |
| Sterling Breeze | 4 | 0 | $412,000 | $399,900 |
| Sunrise Beach | 4 | 0 | $404,950 | $388,900 |
| Marina Landing | 4 | 0 | $400,000 | $370,000 |
| Laketown Wharf Phase II | 4 | 0 | $387,499 | $349,000 |
| Mariner West Condo | 4 | 0 | $344,950 | $315,000 |
| Summit | 4 | 0 | $329,500 | $325,000 |
| Indigo at Front Beach | 4 | 4 | $310,000 | $305,000 |
| Majestic Beach Tower II | 3 | 0 | $475,000 | $450,000 |
| Calypso Towers I | 3 | 0 | $459,900 | $459,000 |
| Turtle Cove At Lake Powell | 3 | 0 | $459,000 | $367,970 |
| Laguna Beach | 3 | 0 | $445,000 | $420,000 |
| Bay Point Unit 1 | 3 | 0 | $439,000 | $427,000 |
| Leeward/Windward Condo | 3 | 0 | $430,000 | $430,000 |
| Summerhouse Condo. | 3 | 0 | $412,000 | $412,000 |
| Seychelles Resort Condominium | 3 | 0 | $399,900 | $385,000 |
| Beachview Villas | 3 | 0 | $374,990 | $315,000 |
| Pinnacle Port Phase 1-D | 3 | 0 | $369,000 | $364,000 |
Also with homes $300K–$500K for sale
- Bay Point Harbour Villas (3)
- Hibiscus By The Bay (3)
- Palm Cove (3)
- Horizon South Townhouses (3)
- Ambassador Beach Condo (3)
- Continental Condos (3)
- Edgewater Golf Villas 1 (3)
- Summer Breeze (2)
- Paradise Grove (2)
- Breakfast Point (2)
- Ocean Villa (2)
- Gulf Highlands Unit-2 (2)
- Palmetto Trace (2)
- Moondrifter (2)
- Laguna Haven (2)
- Lakeside Villas (2)
- Treasure Cove (2)
- Sugar Beach Condo (2)
- Summerwood (2)
- Holiday Beach Unit 13 (2)
- Gulfgate Condo (2)
- Laguna Beach Estates (2)
- Summerhouse Of P.C. 1 (2)
- Pelican Walk (2)
- El Centro Beach (2)
- Inlet Beach Heights (2)
- Hidden Pines Phase V (2)
- Harrison's Walk (2)
- Reflections (2)
- Treasure Island (2)
- Venture Out (2)
- Miramar Heights (2)
- Laguna Beach Estates 5th Add (2)
- Fontainebleau Terrace (2)
- Marina Club Village (2)
- River Oaks Tennis Villas (2)
- Peachtree Place Phase I (2)
- Waterhaven (2)
- Southwind 1 (2)
- Pinnacle Port (2)
- Holiday Point (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)
- Riviera Beach 1st Add (1)
- Holiday Beach Unit 8 (1)
- Aquavista Condo (1)
- Bid-A-Wee North 1st Add (1)
- Holiday Beach Unit 6 (1)
- Lake Powell Estates (1)
- Palazzo (1)
- Laguna Beach Estates 6th Add (1)
- Greentree Unit-1 (1)
- Woodlawn Unit 1 (1)
- Bahama Beach 1st Add (1)
- Dunes Of Panama Phase IV (1)
- Hidden Pines Phase VII (1)
- Summerwood Phase I (1)
- Colony Club (1)
- Pirate's Cove Inlet (1)
- Emerald Shores Condo (1)
- Palmetto Trace Phase III (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)
- Grand Lagoon Shores11 (1)
- The Glades Phase II (1)
- Suntime Beach U-1 (1)
- Sunnyside (1)
- Ocean Mist (1)
- Summerwood Phase II (1)
- Bel Air 2nd Add (1)
- Wells Gulf Beach Estates (1)
- Pointe Panama (1)
- Holiday Beach Unit 10 (1)
- Diamond Head-Lakeside (1)
- Edgewater Golf Villas 3A (1)
- Pines 5th Add (1)
- Greenwood Estates 6 (1)
- Polynesian Village (1)
- North Lagoon Heights Phase II (1)
- Lullwater Beach (1)
- Hidden Pines Phase II (1)
- The Commodore (1)
- Osprey Pointe at Powell (1)
- Gulf Vista Sec 2 (1)
- Pirates Cove Inlet Condo II (1)
- Pines 3rd Add Replat (1)
- Bahama Beach (1)
- Bay Point Golf Cove Estates (1)
- Dolphin Bay (1)
- Seaclusion Beach (1)
- Bel Air (1)
- North Lagoon Heights (1)
- Coral Bay Village (1)
- North Beach Estates (1)
- Nautilus Condo (1)
- Grand Lagoon Villa (1)
- Hidden Pines Phase VI (1)
- Waterfall Phase I (1)
- Southwind 3 Condo (1)
- Southwind 2 (1)
- Laguna Beach Estates 8th Add (1)
- Palm Cove Phase III (1)
- Hathaway Townhomes (1)
- Edgewater Golf Villas 6 B (1)
- Silver Sands Unit 2 (1)
- Misty Harbour Condo. (1)
- Treasure Palms (1)
- Harbour Towne (1)
- Edgewater Golf Villas IV (1)
- Magnolia Place (1)
- Carillon Beach Inn (1)
- Peachtree Place Phase II (1)
- Oceanna Condo (1)
- Bonita Point (1)
- Carillon Beach (1)
- Palm Cove Phase I (1)
- Our Fathers Estate (1)
- Annabella's Townhomes (1)
- Brandywine Estates (1)
- Palmetto Trace Phase 2 (1)
- Horizon South XIX (1)
- Hutchison's 2nd To Bahama Bch (1)
- Portside Condo (1)
- Endless Summer II (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
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.