Bay County neighborhoods, Panama City to Panama City Beach. Know what matters before you buy.

Bay County has been rebuilding and growing since Hurricane Michael, with Panama City Beach driving the resort and short-term-rental market and Lynn Haven and Southport absorbing much of the year-round new construction. It is a Gulf market where storm history and insurance shape every decision.

What decides a Bay County purchase is wind and flood insurance near the coast, post-Michael rebuild and roof condition, and whether the home is a primary residence or a rental. The guides state the insurance reality and the storm-rebuild posture honestly.

818 community guides, organized by town — the largest towns show their most active communities here, with every community on the town page. Start with the interactive Neighborhood Finder if you'd rather browse the whole map.

Panama City (401)

See all 401 Panama City communities → (36 most active shown here)

Panama City Beach (298)

See all 298 Panama City Beach communities → (36 most active shown here)

Lynn Haven (51)

See all 51 Lynn Haven communities → (36 most active shown here)

Callaway (1)

Grand Oaks of CallawayGrand Oaks of Callaway is a planned single-family community in Callaway, FL (Bay County) by Century Complete (Century Communities).

Southport (10)

Springfield (8)

BeaubrookBeaubrook in Springfield, GA: Recent sales median $345K (2024), $136/sq ft, 5 sales since 2023. Live Georgia MLS data and public records.Grove HillGrove Hill in Springfield, FL: 4 homes for sale from $225K to $390K. Live CPAR MLS data and public records.Hangleider CutHangleider Cut in Springfield, GA: 1 home for sale from $850K. Live Georgia MLS data and public records.LonadineLonadine is a planned single-family new construction, new phase (mungo homes) community in Springfield, GA (Effingham County) by Mungo Homes.Olde Lancaster PlaceOlde Lancaster Place in Springfield, GA: 1 pending, 1 sold on record. Live Georgia MLS data and public records.Runs CrossingRuns Crossing in Springfield, GA: Median sale $660K (2026), median 103 days on market. Live Georgia MLS data and public records.Spring BranchSpring Branch in Springfield, GA: Median sale $255K (2026), median 48 days on market. Live Georgia MLS data and public records.Wilder RoadWilder Road is a planned pud: single-family plus fee-simple duplexes - springfield's first pud (coastal cornerstone development) community in…

Port St. Joe (33)

Mexico Beach (16)

Straight answers

Where is the new construction in Bay County?

Mostly Lynn Haven, Southport, and the north-Bay corridor for year-round homes, plus condo and resort product on Panama City Beach. The guides flag HOA and any CDD posture.

How is insurance in Bay County after Hurricane Michael?

Wind and flood exposure is real and roof and rebuild condition matter to both insurance and lending. Confirm the wind-mitigation and flood posture before offering.

Panama City or Panama City Beach?

Panama City and Lynn Haven buy year-round neighborhoods and value; the Beach buys resort lifestyle and rental income at a premium with more storm exposure. The guides map both.

Homes for sale now in Bay County

2,932 live listings in this area, 130 listed in the last 7 days. A selection, newest first:

6500 Bridge Water Way 702, Panama City Beach · $410,000 · 2 bd · Courtesy of Gillman Group Realty
117 Summer Breeze Road, Panama City Beach · $479,000 · 3 bd · Courtesy of Keller Williams Realty Emerald
2323 Discovery Loop, Panama City · $350,000 · 3 bd · Courtesy of Think Real Estate
17757 Front Beach Road 1406D, Panama City Beach · $395,000 · 1 bd · Courtesy of Coldwell Banker Realty
7205 Thomas Drive A604, Panama City · $475,000 · 2 bd · Courtesy of Counts Real Estate Group
11925 Camellia Street, Fountain · $175,000 · 3 bd · Courtesy of Keller Williams Success Realty
6532 Harbour Boulevard, Panama City Beach · $324,900 · 2 bd · Courtesy of Salty Marlin Realty LLC
3126 Willie Drive, Southport · $420,000 · 4 bd · Courtesy of Keller Williams Success Realty
2912 W 27th Street, Panama City · $649,900 · 5 bd · Courtesy of TH Coastal Realty
301 Lakeside Drive, Panama City · $299,000 · 3 bd · Courtesy of Think Real Estate
9431 Paradise Drive, Panama City Beach · $779,000 · 2 bd · Courtesy of Bob Hodges And Sons Realty
8419 Hang Loose Court, Panama City Beach · $769,000 · 3 bd · Courtesy of Coldwell Banker Realty
8485 Dreams Float Court, Panama City Beach · $394,900 · 2 bd · Courtesy of Bob Hodges And Sons Realty
6639 Kettles Street, Panama City · $284,900 · 3 bd · Courtesy of People 1st Real Estate, LLC
10901 Front Beach Road 2003, Panama City Beach · $625,000 · 3 bd · Courtesy of Keller Williams Success Realty
23223 Front Beach Road A139, Panama City Beach · $309,000 · 2 bd · Courtesy of Dalton Wade Inc
3618 Preserve Boulevard, Panama City · $1,150,000 · 4 bd · Courtesy of Counts Real Estate Group Inc
9900 S Thomas Drive 2126, Panama City Beach · $329,900 · 1 bd · Courtesy of Coldwell Banker Realty
16701 Front Beach Road 404, Panama City Beach · $579,900 · 2 bd · Courtesy of Keller Williams Realty Emerald
214 Summerwood Drive, Panama City Beach · $489,999 · 3 bd · Courtesy of Berkshire Hathaway HomeServices Beach Properties of Florida
10122 Highway 2301, Youngstown · $995,000 · 3 bd · Courtesy of Beycome of Florida LLC
6408 River Bluff Trail, Panama City Beach · $1,100,000 · 4 bd · Courtesy of Inlet Beach Real Estate
9900 S Thomas Drive 1911, Panama City · $365,000 · 2 bd · Courtesy of Compass Florida, LLC
14825 Front Beach Road 2408, Panama City Beach · $509,900 · 2 bd · Courtesy of Keller Williams Realty Emerald

Just listed, updated hourly: New in Panama City & Central Panhandle

Live MLS listings, refreshed hourly; listings held by other brokerages are marked with the listing broker. Information deemed reliable but not guaranteed. Equal Housing Opportunity.