Homes for Sale Under $300K in Panama City, FL
This page tracks every Panama City 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.
439 homes listed under $300,000 are for sale or pending in Panama City, FL today across 204 communities. The median asking price is $249,900, from $75,000 to $299,999. Listings in Panama City without that feature have a median of $407,950. Most listings right now: Liberty (41), Laketown Wharf (15), Sunrise at East Bay (14). Updated September 11, 2026 from the MLS.
Panama City 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 |
|---|---|---|---|---|
| Liberty | 41 | 33 | $264,900 | $239,900 |
| Laketown Wharf | 15 | 0 | $260,000 | $229,000 |
| Sunrise at East Bay | 14 | 12 | $277,285 | $239,900 |
| Highland City | 12 | 3 | $249,900 | $150,000 |
| Springfield | 11 | 6 | $175,000 | $133,997 |
| Magnolia Ridge | 9 | 9 | $259,990 | $239,990 |
| Morningside | 6 | 6 | $275,900 | $249,900 |
| Venetian Villa | 6 | 0 | $272,000 | $225,000 |
| Baldwin Rowe | 6 | 0 | $245,000 | $219,900 |
| Emerald Pointe Resort | 6 | 0 | $212,200 | $160,000 |
| Parkbrook | 5 | 5 | $296,700 | $295,900 |
| Park Place Phase 1 | 5 | 5 | $289,900 | $264,900 |
| Bayview Add | 5 | 0 | $199,000 | $165,000 |
| Hursts Replat | 4 | 0 | $264,450 | $233,000 |
| Top Of The Gulf Condo. | 4 | 0 | $241,450 | $237,000 |
| Barrett's Park | 4 | 0 | $237,500 | $220,000 |
| Callaway | 4 | 0 | $234,995 | $190,000 |
| Lincoln Park 1st Addition | 4 | 4 | $199,000 | $199,000 |
| Sun Harbor Condo | 4 | 0 | $178,500 | $164,950 |
| Olde Towne Village | 3 | 0 | $299,900 | $264,999 |
| Gulf Coast Dev Second Addition | 3 | 3 | $299,900 | $289,900 |
| Harvey Heights | 3 | 3 | $284,990 | $264,990 |
| Hodges Bayou Plantation 1 | 3 | 2 | $279,900 | $279,900 |
| N Highland | 3 | 3 | $259,900 | $244,900 |
| Callaway Forest U-2 | 3 | 0 | $259,000 | $199,000 |
| Bry-Co Park | 3 | 2 | $259,000 | $235,900 |
| Bayview Heights | 3 | 0 | $249,500 | $149,900 |
| Villas Of St. Thomas 1 | 3 | 0 | $245,000 | $240,000 |
| Oakland Terrace Add | 3 | 0 | $242,000 | $225,000 |
| Bay Point Harbour Villas | 3 | 0 | $240,000 | $205,900 |
| Pine Crest Add To Callaway | 3 | 2 | $235,000 | $220,000 |
| Caroline Addition | 3 | 0 | $229,900 | $123,000 |
| Biltmore Beach | 3 | 0 | $227,500 | $215,000 |
| Bay Point Studio Villas Unit 2 | 3 | 0 | $219,900 | $199,000 |
| Hentz 1st Add Unit B | 3 | 0 | $218,000 | $169,000 |
| Sherwood Unit 2 | 3 | 0 | $198,900 | $195,000 |
| Shermans 2nd Add | 3 | 0 | $189,900 | $145,000 |
| Landmark On St. Andrews Bay | 3 | 0 | $184,900 | $180,000 |
| Shade Tree Condo Ph II | 3 | 0 | $180,000 | $174,900 |
| Bay Club Condo Ph 1 | 3 | 0 | $169,900 | $140,000 |
| Holmes Add- Millville | 3 | 0 | $165,000 | $135,000 |
| Hickory Park | 3 | 0 | $160,000 | $160,000 |
| W H Parker | 3 | 0 | $155,000 | $139,900 |
| Sandy Creek Ranch | 3 | 0 | $152,500 | $145,400 |
| Villas Of St. Thomas 3 | 2 | 0 | $294,000 | $289,000 |
| Sunbird Condo | 2 | 0 | $289,949 | $284,999 |
| Titus Park | 2 | 0 | $289,900 | $289,900 |
| Shores Of Panama | 2 | 0 | $287,950 | $285,000 |
| Sunswept 4 | 2 | 0 | $285,000 | $280,000 |
| Bay Front Unit 3 | 2 | 0 | $284,950 | $284,900 |
| Drummond & Ware Add | 2 | 0 | $284,950 | $277,400 |
| Hickory Manor | 2 | 0 | $279,950 | $260,000 |
| Shadow Bay Unt 3 & 4 | 2 | 1 | $270,000 | $250,000 |
| Nowell Court | 2 | 0 | $264,000 | $255,000 |
| Caroline Add Unit 2 | 2 | 0 | $262,000 | $245,000 |
| Forest Park | 2 | 0 | $261,999 | $249,999 |
| Callaway Corners | 2 | 0 | $261,999 | $249,000 |
| Laketown Wharf Phase II | 2 | 0 | $261,950 | $249,000 |
| St. Andrews Bay Dev. Co. | 2 | 0 | $258,850 | $233,700 |
| Sunbay Townhouses | 2 | 0 | $255,000 | $240,000 |
Also with homes under $300K for sale
- Cove Terrace (2)
- Welch Add (2)
- Thousand Oaks (2)
- Bay Club Condo Ph 2 (2)
- Sandy Creek (2)
- Sentinel Point (2)
- Robindale (2)
- Cove (2)
- Chandlee 3rd Add (2)
- Oceanna Condo (2)
- Pine Woods Dev Phase II (2)
- Dixie Heights (2)
- Carver Heights (2)
- Old Orchard (2)
- Sandy Creek Ranch And Country Club (2)
- Sudduths 4th Add (2)
- Pine View (2)
- St And Bay Dev Co (2)
- East Bay Park (2)
- Old Orchard 1st Add (2)
- Sand Castles Villa (2)
- Parker (2)
- Rosenwald Heights (2)
- Ten Acre Terrace (1)
- Northwoods (1)
- Oxford Place Unit 2 (1)
- Pretty Bayou Hts 2nd (1)
- Old Town Plat (1)
- Bay Point Studio Villas Unit 3 (1)
- Cedars Crossing (1)
- North Lagoon Heights (1)
- College Station Phase 2 (1)
- Lannie Rowe Lake Estates U-6 (1)
- Callaway Southeast (1)
- Oakshore Villas Twnhs (1)
- Village of Mill Bayou/Shoreline Village Ph 1C (1)
- Robins Court (1)
- Boardwalk Central (1)
- Grove Heights (1)
- M. N. Kneece Replat (1)
- Imperial Oaks (1)
- Chandlee 3rd Add To Pc (1)
- Gulf Pines (1)
- Brighton Oaks (1)
- Hentz 1st Add Unit-B Rep (1)
- Brook Forest U-1 (1)
- Lorraine Estates (1)
- Bridge Harbor (1)
- The Summit (1)
- Ten Acre Addition (1)
- Lillian Carlisle Plat (1)
- Silvernail Heights (1)
- Lake Drive Heights (1)
- Brittany Woods Park (1)
- Gilbert-Pkr Add-Pt Don (1)
- Greentree Heights (1)
- Hl Sudduth 1st Add (1)
- Marlin Place (1)
- Bunkers Cove (1)
- Keiths Bay Harbor Add (1)
- Holiday Beach Unit 8 (1)
- Sweetwater Village N Ph 2 (1)
- Bay County Estates Unit 1 (1)
- Millville (1)
- Sugar Beach Condo (1)
- Heritage Woods (1)
- Summerplace Townhouses (1)
- Sunswept 3 (1)
- Nautical Watch II (1)
- Forest Shores (1)
- Keiths 1st Add (1)
- Tyndall Station (1)
- Lannie Rowe Lake Ests (1)
- Morris Manor Estates Unit 1 (1)
- Bay Point Golf Villas II (1)
- Callaway Forest U-1 (1)
- Sunny South Add (1)
- Black Oak Ridge (1)
- Shadow Bay Unit 2 (1)
- Woodridge (1)
- Forest Park Village (1)
- Jakes Landing (1)
- Highpoint (1)
- Pine Tree Place Unit 1 (1)
- Pitts 1st Addto Parker (1)
- Grand Lagoon Cove Condominium (1)
- Lagoon Towers Phase I (1)
- Blueberry Hill (1)
- Lannie Rowe Lake Estates U-7 (1)
- Hentz 1st Add Unit A (1)
- Segler (1)
- Avondale Estates (1)
- Fox Place Estates (1)
- Callaway Forest (1)
- Dockside North (1)
- Plantation Estates (1)
- Palisades Condo Ph 1 (1)
- Forest Park 5th Add (1)
- Shermans Add (1)
- Bayou Estates (1)
- Sand Castles Villas Condo (1)
- Cedar Grove Heights (1)
- Grove Hill (1)
- St Andrews Bay Dev Co (1)
- Hannover Estates (1)
- Oaks Plantation (1)
- Parkway Manor (1)
- Harris 1st (1)
- Lakeside Plat (1)
- Greenwood Estates 1 (1)
- Glenwood Addition (1)
- Davis Replat Of Lillian Carlisle (1)
- Green Gables Amended (1)
- Tidewater Estates (1)
- Plazas Of St.Thomas I (1)
- Bonita Point (1)
- Oak Hill (1)
- Ocean Terr. Condo. (1)
- Callaway Chase (1)
- Venetian Villa 3rd Add (1)
- Pine Woods Add. (1)
- North Lagoon Oaks (1)
- Hiland Heights (1)
- Saint Andrews Harbour (1)
- Atlantis Park (1)
- Hidden Lagoon Villas (1)
- Northside Estates (1)
- Morris Heights (1)
- Pinewood Grove Unit 2 (1)
- Bayou Plat (1)
- Edgewood (1)
- Wh Parker (1)
- Delwood Estates Ph 1 (1)
- Sweetwater Village S Ph I (1)
- Pinewood Dev. Phase 2 (1)
- Southport (1)
- East Springfield (1)
- Martin Bayou Estates (1)
- North Springfield (1)
- Landing At Lake Caroline (1)
- Lincoln Park (1)
- St A B Dev Co (1)
- Chandlee Add (1)
- Mooretown (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?
What do homes under $300K cost in Panama City?
Which Panama City community has the most homes under $300K for sale?
What is the monthly payment on a home under $300,000?
Keep exploring Panama City
- All homes for sale in Panama City
- Panama City ZIP codes with prices
- Panama City 4-bedroom homes
- Panama City 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, 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.