Homes for Sale Under $300K in Panama City Beach, FL
This page tracks every Panama City Beach listing with an asking price under $300,000, by community, with live counts and asking prices. Prices are asking prices from the MLS, not values, and the list changes with every refresh.
374 homes listed under $300,000 are for sale or pending in Panama City Beach, FL today across 131 communities. The median asking price is $255,000, from $98,000 to $299,999. Listings in Panama City Beach without that feature have a median of $524,900. Most listings right now: Gulf Highlands Beach Resort (26), Origin At Seahaven (19), Laketown Wharf (17). Updated September 11, 2026 from the MLS.
Panama City Beach homes under $300K 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 under $300K listed are tabled; the rest follow.
| Community | Homes Under $300K | New build | Median list | From |
|---|---|---|---|---|
| Gulf Highlands Beach Resort | 26 | 1 | $275,000 | $170,000 |
| Origin At Seahaven | 19 | 0 | $239,900 | $174,500 |
| Laketown Wharf | 17 | 0 | $265,000 | $222,000 |
| Island Reserve | 16 | 0 | $252,500 | $175,000 |
| Nautilus Cove Condo | 15 | 0 | $210,000 | $185,000 |
| Fontainebleau Terrace | 13 | 0 | $165,000 | $139,900 |
| Emerald Pointe Resort | 10 | 0 | $217,450 | $165,000 |
| Endless Summer II | 8 | 0 | $227,450 | $214,000 |
| Hathaway Townhomes | 7 | 1 | $270,000 | $259,000 |
| Portside Condo | 7 | 0 | $269,000 | $225,000 |
| Venture Out Travel Trail | 7 | 0 | $250,000 | $249,000 |
| Top Of The Gulf Condo. | 7 | 0 | $229,000 | $199,999 |
| Sunbird Condo | 6 | 0 | $277,500 | $259,000 |
| Treasure Cove | 5 | 0 | $295,000 | $224,900 |
| Horizon South I | 5 | 0 | $279,000 | $189,000 |
| Lullwater Beach | 5 | 0 | $249,900 | $195,000 |
| Beachwalk Condo | 5 | 0 | $239,000 | $185,000 |
| Plazas Of St.Thomas I | 5 | 0 | $189,000 | $159,000 |
| Bayside at Ward Creek | 4 | 4 | $299,155 | $271,326 |
| The Summit | 4 | 0 | $294,450 | $280,000 |
| Summit | 4 | 0 | $290,000 | $279,900 |
| Annabella's Townhomes | 4 | 0 | $264,999 | $220,000 |
| Ambassador Beach Condo | 4 | 0 | $259,500 | $239,000 |
| Edgewater Golf Villas V-B | 4 | 0 | $249,500 | $225,000 |
| Wendwood Condo | 4 | 0 | $229,750 | $217,500 |
| Indigo at Front Beach | 3 | 3 | $295,000 | $279,900 |
| Shores Of Panama Phase I | 3 | 0 | $295,000 | $289,900 |
| Colonial Landing | 3 | 3 | $288,526 | $272,962 |
| Edgewater Golf Villas V-C | 3 | 0 | $275,000 | $269,900 |
| Carillon Beach Inn | 3 | 0 | $269,900 | $264,000 |
| Ocean Terr. Condo. | 3 | 0 | $269,000 | $249,900 |
| Horizon South XVII | 3 | 0 | $264,300 | $259,900 |
| Gulf Highlands | 3 | 0 | $259,000 | $240,000 |
| Open Sands | 3 | 0 | $255,000 | $250,000 |
| Horizon South IV | 3 | 0 | $252,000 | $249,000 |
| Horizon South XIV | 3 | 0 | $250,000 | $249,900 |
| Sand Castles West 2 | 3 | 0 | $249,900 | $225,000 |
| Sand Castles West 1 | 3 | 0 | $229,900 | $215,000 |
| Endless Summer I | 3 | 0 | $225,000 | $190,000 |
| Harbour Towne | 3 | 0 | $215,000 | $169,000 |
| Greenwood Acres | 3 | 0 | $184,900 | $147,999 |
| Largo Mar Condo | 2 | 0 | $299,000 | $299,000 |
| Grand Lagoon Cove Condominium | 2 | 0 | $297,450 | $295,000 |
| Palm Cove Phase III | 2 | 0 | $292,000 | $285,000 |
| Somerset Condo | 2 | 0 | $277,450 | $255,000 |
| Horizon South VIII | 2 | 0 | $276,950 | $260,000 |
| Laguna Beach Estates | 2 | 0 | $270,000 | $245,000 |
| Long Beach Towers I | 2 | 0 | $266,750 | $254,500 |
| Bay Point Golf Villas II | 2 | 0 | $266,500 | $264,000 |
| Horizon South XVI | 2 | 0 | $259,000 | $259,000 |
| Inlet Beach Heights | 2 | 0 | $252,000 | $225,000 |
| Bay Point Golf Villas I | 2 | 0 | $251,950 | $244,000 |
| Treasure Cove Condo. | 2 | 0 | $251,000 | $247,000 |
| Sand Castles West 3 | 2 | 0 | $249,499 | $199,999 |
| Edgewater Golf Villas II-B | 2 | 0 | $249,450 | $199,000 |
| Westwood Beach Estates | 2 | 0 | $249,200 | $198,500 |
| Sand Dollar Estates | 2 | 0 | $239,500 | $210,000 |
| Horizon South XXI | 2 | 0 | $231,500 | $231,000 |
| Horizon South XV | 2 | 0 | $220,000 | $210,000 |
| Pirate's Cove Inlet Condo Ph 3 | 2 | 0 | $219,450 | $209,900 |
Also with homes under $300K for sale
- Horizon South XI (2)
- Shade Tree Condo Ph II (2)
- Horizon South X (2)
- Greenwood Estates 5 (2)
- Bay Point Studio Villas Unit 2 (2)
- Leisure #1 Condo (2)
- Continental Condos (1)
- Lagoon Heights (1)
- Venture Out (1)
- Gulf Highlands Unit-2 (1)
- Forest Hills Tennis Villas (1)
- Edgewater Golf Villas 1 (1)
- Regency Towers (1)
- Heritage Village (1)
- Laguna Beach Plaza (1)
- Palm Cove (1)
- Palmetto Trace Phase 2 (1)
- Edgewater Golf Villas 6 B (1)
- Shores Of Panama (1)
- Mariner East Condo (1)
- Peachtree Place Phase I (1)
- Horizon South VII (1)
- River Oaks Tennis Villas (1)
- Shores Of Panama Phase II (1)
- Bahama Beach (1)
- Holiday Beach Unit 8 (1)
- Edgewater Golf Villas 5 B (1)
- Woodlawn Unit 1 (1)
- Edgewater Golf Villas III-B (1)
- Horizon South XX (1)
- Palm Cove Phase II (1)
- Bonita Point (1)
- Edgewater Golf Villas 5 A (1)
- Horizon South VI (1)
- Boardwalk Central (1)
- Horrizon South XXI (1)
- Laketown Wharf Phase II (1)
- Wimbledon Tennis Villas (1)
- Sunswept 4 (1)
- Horizon South V (1)
- Bay Point Golf Villas III (1)
- Stingray Condo. (1)
- Peachtree Place Phase II (1)
- Horizon South III (1)
- Laguna Beach (1)
- Villas Of St. Thomas 3 (1)
- Edgewater Golf Villas III-A (1)
- Baltimore Beach (1)
- Horizon South II (1)
- El Centro Beach (1)
- Thomas Drive Park U-1 (1)
- Holiday Beach Unit 15 (1)
- Villas Of St. Thomas 1 (1)
- Edgewater Golf Villas V-A (1)
- Gates At Sterling Cove (1)
- Horizon South XII (1)
- Horizon South XVIII (1)
- Miramar Heights (1)
- Edgewater Golf Villas III (1)
- Baytown Condo (1)
- Villas Of Bahamas West (1)
- Emerald Park Condominium (1)
- Edgewater Golf Villas 3B (1)
- Hombre Golf Village (1)
- Bayside Park U-1 (1)
- The Pines (1)
- Dockside North (1)
- Hidden Lagoon Villas (1)
- Sand Castles Villa (1)
- Pines 4th Add (1)
- Bayside Park Unit 1 (1)
What under $300,000 buys and what to check
In this price band the differences between listings are usually age, size and condition rather than location alone, so read each listing’s year built, square footage and property type (a condo or manufactured home and a single-family home can sit at the same price with very different monthly costs). Budget the full monthly number, not the price: taxes, insurance, and HOA or CDD fees are all on each listing page, and our true cost of ownership calculator puts them into one figure. Insurance quotes on older roofs and older electrical can change which of two similar homes is actually cheaper.
Questions to ask about any listing in this band
How old is the roof, and will insurers write it? Is there a four-point inspection on file? What did the seller pay for insurance last year? In a condo, what are the dues, is there a special assessment or milestone inspection pending, and what do the reserves look like? Is the price a recent reduction, and how long has it been listed? A local agent who works the area will know which communities in this band have the fewest surprises at inspection.
Common questions
How many homes listed under $300,000 are for sale in Panama City Beach?
What do homes under $300K cost in Panama City Beach?
Which Panama City Beach community has the most homes under $300K for sale?
What is the monthly payment on a home under $300,000?
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 $300K–$500K
- Homes Under $300K 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 under $300,000. Prices are asking prices, not values. Property features and prices only; nothing on this page describes residents. Equal Housing Opportunity.