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.
340 homes listed under $300,000 are for sale or pending in Panama City Beach, FL today across 122 communities. The median asking price is $254,500, from $119,900 to $299,999. Listings in Panama City Beach without that feature have a median of $529,900. Most listings right now: Gulf Highlands Beach Resort (28), Origin At Seahaven (17), Laketown Wharf (15). Updated October 20, 2026 from the MLS.
First-time buyers: what Panama City Beach costs at the entry level
230 active single-family homes, townhomes and condos at or below $300,000 — median $249,950, about $1,644/mo principal & interest at 7.40% with 5% down. Live from the MLS, refreshed nightly.
Newest homes under $300K in Panama City Beach
What the payment looks like
| Purchase price | P&I at 7.40%, 5% down | P&I, 20% down | Cash to close at 5% down (est.) |
|---|---|---|---|
| $200,000 | $1,316 | $1,108 | $16,000 |
| $250,000 | $1,644 | $1,385 | $20,000 |
| $300,000 | $1,973 | $1,662 | $24,000 |
Estimates only; taxes, insurance, HOA and mortgage insurance are on top. Closing costs assumed at 3%.
Down-payment assistance in Bay County · First-time buyer guide
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 | 28 | 1 | $270,250 | $170,000 |
| Origin At Seahaven | 17 | 0 | $239,900 | $169,500 |
| Laketown Wharf | 15 | 0 | $259,900 | $199,900 |
| Nautilus Cove Condo | 13 | 0 | $210,000 | $180,000 |
| Fontainebleau Terrace | 13 | 0 | $165,000 | $139,900 |
| Island Reserve | 12 | 0 | $240,000 | $189,900 |
| Endless Summer II | 12 | 0 | $235,950 | $214,000 |
| Sunbird Condo | 6 | 0 | $276,750 | $259,000 |
| Lullwater Beach | 6 | 0 | $248,950 | $160,000 |
| Horizon South I | 6 | 0 | $247,500 | $189,000 |
| Emerald Pointe Resort | 6 | 0 | $204,950 | $174,000 |
| Shores Of Panama Phase I | 5 | 0 | $289,000 | $265,000 |
| Hathaway Townhomes | 5 | 1 | $274,999 | $254,000 |
| Venture Out Travel Trail | 5 | 0 | $269,000 | $249,000 |
| Portside Condo | 5 | 0 | $269,000 | $259,999 |
| Indigo at Front Beach | 4 | 4 | $292,450 | $279,900 |
| Treasure Cove | 4 | 0 | $259,950 | $210,000 |
| Ambassador Beach Condo | 4 | 0 | $259,500 | $239,000 |
| Beachwalk Condo | 4 | 0 | $239,500 | $225,000 |
| Harbour Towne | 4 | 0 | $237,500 | $169,000 |
| Wendwood Condo | 4 | 0 | $229,750 | $215,500 |
| Top Of The Gulf Condo. | 4 | 0 | $224,950 | $199,999 |
| Bay Point Studio Villas Unit 2 | 4 | 0 | $194,500 | $184,250 |
| Plazas Of St.Thomas I | 4 | 0 | $186,943 | $159,000 |
| Greenwood Acres | 4 | 0 | $166,200 | $147,999 |
| Summit | 3 | 0 | $295,000 | $269,900 |
| The Summit | 3 | 0 | $289,900 | $280,000 |
| Edgewater Golf Villas V-C | 3 | 0 | $275,000 | $269,900 |
| Ocean Terr. Condo. | 3 | 0 | $259,000 | $224,900 |
| Gulf Highlands | 3 | 0 | $258,000 | $240,000 |
| Horizon South XIV | 3 | 0 | $250,000 | $249,900 |
| Laguna Beach Estates | 3 | 0 | $244,999 | $224,500 |
| Annabella's Townhomes | 3 | 0 | $240,000 | $220,000 |
| Endless Summer I | 3 | 0 | $219,000 | $190,000 |
| Horizon South X | 3 | 0 | $210,000 | $199,000 |
| Venture Out | 2 | 0 | $297,450 | $295,000 |
| Palm Cove | 2 | 0 | $289,900 | $284,900 |
| Palm Cove Phase III | 2 | 0 | $289,250 | $285,000 |
| Shores Of Panama Phase II | 2 | 0 | $289,000 | $279,000 |
| Woodlawn Unit 1 | 2 | 0 | $288,000 | $277,000 |
| Colonial Landing | 2 | 2 | $281,715 | $272,962 |
| Inlet Beach Heights | 2 | 0 | $279,498 | $279,000 |
| Horizon South XVII | 2 | 0 | $279,450 | $259,900 |
| Long Beach Towers I | 2 | 0 | $273,500 | $268,000 |
| Bahama Beach | 2 | 0 | $267,000 | $249,000 |
| Horizon South VIII | 2 | 0 | $259,500 | $259,000 |
| Bay Point Golf Villas II | 2 | 0 | $256,500 | $249,000 |
| Horizon South IV | 2 | 0 | $253,500 | $252,000 |
| Laguna Beach | 2 | 0 | $250,000 | $250,000 |
| Treasure Cove Condo. | 2 | 0 | $250,000 | $245,000 |
| Edgewater Golf Villas V-B | 2 | 0 | $249,500 | $249,000 |
| Westwood Beach Estates | 2 | 0 | $249,200 | $198,500 |
| Sand Castles West 3 | 2 | 0 | $246,950 | $194,900 |
| Sand Dollar Estates | 2 | 0 | $239,500 | $210,000 |
| Sand Castles West 2 | 2 | 0 | $237,450 | $225,000 |
| Edgewater Golf Villas V-A | 2 | 0 | $235,472 | $214,444 |
| Sand Castles West 1 | 2 | 0 | $227,400 | $224,900 |
| Horizon South XV | 2 | 0 | $220,000 | $210,000 |
| Pirate's Cove Inlet Condo Ph 3 | 2 | 0 | $219,450 | $209,900 |
| Horizon South XI | 2 | 0 | $216,950 | $195,900 |
Also with homes under $300K for sale
- Shade Tree Condo Ph II (2)
- Villas Of Bahamas West (2)
- Miramar Heights (2)
- Leisure #1 Condo (2)
- Continental Condos (1)
- Lagoon Heights (1)
- Horizon South Townhouses (1)
- Edgewater Golf Villas II-B (1)
- Beachview Villas (1)
- Southwind 3 Condo (1)
- Forest Hills Tennis Villas (1)
- Palm Cove Phase II (1)
- Edgewater Golf Villas 1 (1)
- Regency Towers (1)
- Largo Mar Condo (1)
- Suntime Beach U-1 (1)
- Open Sands (1)
- Palmetto Trace Phase 2 (1)
- Edgewater Golf Villas 6 B (1)
- Magnolia Place (1)
- Shores Of Panama (1)
- Grand Lagoon Cove Condominium (1)
- Gulf Highlands Unit-2 (1)
- Laguna Beach Plaza (1)
- Horizon South VII (1)
- Crestview Heights (1)
- River Oaks Tennis Villas (1)
- North Lagoon Oaks 7th Add (1)
- Edgewater Golf Villas III-B (1)
- Horizon South XX (1)
- Horizon South VI (1)
- Boardwalk Central (1)
- Edgewater Golf Villas 5 B (1)
- Laketown Wharf Phase II (1)
- Wimbledon Tennis Villas (1)
- Sunswept 4 (1)
- Horizon South V (1)
- Carillon Beach Inn (1)
- Horizon South XVI (1)
- Bay Point Golf Villas III (1)
- Stingray Condo. (1)
- Peachtree Place Phase II (1)
- Horizon South III (1)
- Somerset Condo (1)
- Edgewater Golf Villas III-A (1)
- Baltimore Beach (1)
- El Centro Beach (1)
- Thomas Drive Park U-1 (1)
- Bay Point Harbour Villas (1)
- Villas Of St. Thomas 1 (1)
- Bay Point Golf Villas I (1)
- Greenwood Estates 5 (1)
- Horizon South XVIII (1)
- Horizon South XII (1)
- Hombre Golf Village (1)
- Edgewater Golf Villas I (1)
- Baytown Condo (1)
- Edgewater Golf Villas 3B (1)
- Emerald Park Condominium (1)
- The Pines (1)
- Hidden Lagoon Villas (1)
- Pines 4th Add (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
Homes Under $300K in nearby Bay County cities
- Panama City homes under $300K (383 for sale)
- Lynn Haven homes under $300K (24 for sale)
- Southport homes under $300K (18 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 under $300,000. Prices are asking prices, not values. Property features and prices only; nothing on this page describes residents. Equal Housing Opportunity.