Panama City Homes under $350,000

Panama City Homes under $350,000

Welcome to Panama City, Florida – a hidden gem nestled along the stunning Gulf Coast, where the sun shines bright and the waters are crystal clear. Known for its warm hospitality and vibrant atmosphere, Panama City offers a unique blend of coastal charm and modern conveniences, making it an ideal place to call home.

In Bay County, Panama City is renowned for its beautiful beaches, bustling fishing industry, and rich cultural heritage. Here, residents can enjoy a plethora of outdoor activities, from boating and fishing to hiking in the nearby state parks. The area boasts a thriving local economy, excellent schools, and a variety of shopping and dining options that cater to all tastes.

For those seeking affordable housing without compromising on quality, Panama City is a treasure trove of homes priced under $350,000. Whether you’re a first-time buyer, a growing family, or looking to invest, you’ll find an array of charming properties that suit your needs. From cozy single-family homes to modern townhouses, these residences offer a perfect blend of comfort and style, all within reach of the area's stunning natural beauty.

Imagine waking up to the gentle sound of waves and the warm Florida sun streaming through your windows. With a home in Panama City, you can experience this idyllic lifestyle every day. Don’t miss the opportunity to explore the diverse real estate options available in this thriving community, where your dream home awaits!

Newest Panama City Homes under $350,000

259 Boggy Creek Way, Panama City
$312,000
4 Beds ⋅ 2 Baths ⋅ 1013211 MLS ⋅ 1,799 SqFt.
This community named itself appropriately... because 259 Boggy Creek Way just might be the perfect PLACE to PARK yourself! Come on!! This like-new Craftsman-style home in Park Place delivers the kind of lifestyle that makes everyday living easy, convenient, and a whole lot more fun. With 4 bedrooms, 2 bathrooms, and 1,799 square feet, there's room for everyone -- and plenty of room to make some memories. Military? Stationed at Tyndall Air Force Base? Let's salute the fact that your new home is only 9.4 miles from the base! That means less time commuting and more time enjoying the life you came here for. And speaking of that life... the beach! Those famous white-sandy beaches and Panama City's endless attractions are approximately 15-17 miles away. We know the beach is probably first on your list, but what comes next? A famous daiquiri at Pineapple Willy's? A little Vomatron adventure? Dinner at one of the many local restaurants? Forgot to go shop before friends and family arrive? You're covered there, too. ALDI, Walmart, Dollar General, and numerous other conveniences are just minutes away. Now let's talk about the bonus yard. This property sits right next to a large community common area, giving you some serious overflow space when the guest list gets a little ambitious. Cornhole? Tossing the football? Horseshoes? Backyard games with friends? BOOM! You've got the space. Consider it your bonus yard without the bonus maintenance!

259 Boggy Creek Way, Panama City
7403 Sweetbriar Rd, Panama City
$249,000
4 Beds ⋅ 2 Baths ⋅ 1013185 MLS ⋅ 1,536 SqFt.
Welcome to affordable Florida living with the space, updates and outdoor lifestyle you've been searching for. This beautifully updated four-bedroom, two-bath home sits on a full acre and offers a bright, open layout with modern finishes throughout. Inside, you'll find updated flooring, spacious living areas and a beautifully refreshed kitchen featuring ample cabinetry, generous counter space and a large island that makes the perfect gathering spot for everyday living or entertaining. The functional floor plan offers plenty of flexibility for everyday living, guests, a home office or additional living space, while the bedrooms provide comfortable accommodations and a clean, updated feel throughout. Step outside and take full advantage of the Florida lifestyle with your own private pool, perfect for cooling off on hot summer days, hosting friends and family or simply relaxing in your own backyard retreat. The expansive deck offers plenty of space for grilling, outdoor dining and lounging, while the full-acre homesite provides room to spread out and enjoy a little extra privacy. With four bedrooms, two full baths, modern updates, a private pool, spacious deck and one acre of land, this home delivers a hard-to-find combination of space, comfort and Florida charm at an approachable price point. Some photos may be AI-enhanced.

7403 Sweetbriar Rd, Panama City
301 Lakeside Drive, Panama City
$299,000
3 Beds ⋅ 3 Baths ⋅ 796198 MLS
Welcome home to this beautifully maintained property tucked away on a quiet cul-de-sac! This inviting home offers a functional, family-friendly floor plan with spacious bedrooms, custom touches throughout, a cozy family room with fireplace, and an updated kitchen with breakfast nook. A separate formal dining area provides additional flexibility and could easily serve as a home office. Step outside to a spacious, fully privacy-fenced backyard backing up to a conservation area for added peace and privacy. The screened-in back porch is the perfect spot for morning coffee, entertaining, or fall football nights. An attached two-car garage provides plenty of additional storage. Conveniently located near Tyndall Air Force Base with easy access to shopping, dining, schools, and everyday necessities, this home offers a wonderful combination of comfort, privacy, and convenience in a peaceful neighborhood setting.

301 Lakeside Drive, Panama City
6639 Kettles Street, Panama City
$284,900
3 Beds ⋅ 2 Baths ⋅ 796174 MLS
Welcome to Liberty! This beautifully maintained 3-bedroom, 2-bath, Jemison floor plan is situated on a desirable corner lot and offers 1,648 sq. ft. of comfortable modern living. The open concept floor plan features a spacious kitchen with island, stainless steel appliances, and a walk in pantry, flowing seamlessly into the living and dining area. The split-bedroom layout provides privacy, with primary suite featuring a walk-in-closet and ensuite bath. Enjoy the convenience of smart-home technology throughout, along with a fully fenced vinyl backyard, perfect for pets, entertaining or relaxing outdoors. Liberty offers resort-style community amenities, including a 7,500 square foot community center, swimming pools, splash pad, fitness center, playground, walking areas and sidewalks. If you're looking for a newer, low-maintenance home on a corner lot with modern features and fantastic community amenities, this one is ready to welcome you home!

6639 Kettles Street, Panama City
2323 Discovery Loop, Panama City
$350,000
3 Beds ⋅ 2 Baths ⋅ 796167 MLS
Welcome to 2323 Discovery Loop -- a beautifully crafted Harris Doyle home featuring the highly sought-after Sabal floor plan in the heart of Panama City's premier master-planned community, SweetBay. Built in 2025, this 3-bedroom, 3.5-bathroom home offers 1,646 square feet of thoughtfully designed living space with the perfect balance of modern comfort, quality construction, and low-maintenance living. Inside, you'll find a bright, open-concept layout filled with natural light and stylish finishes. The spacious kitchen features stone countertops and stainless steel appliances and flows seamlessly into the dining and living areas -- perfect for everyday living or entertaining. One of the home's standout features is its incredibly versatile bedroom layout. The first-floor primary suite offers added convenience and privacy with a spacious walk-in closet and an impressive tile-to-ceiling shower. Upstairs, you'll find a second primary suite complete with its own private balcony, creating the perfect place to relax and enjoy the Florida lifestyle. The third bedroom also features its own en-suite bath, giving every bedroom access to a private bathroom. Outside, enjoy a covered porch and patio along with a low-maintenance homesite designed for those who would rather spend their time enjoying everything SweetBay has to offer. Living in SweetBay means more than just a home -- it's a lifestyle. The community offers resort-style pools, basketball and sports courts, playgrounds, parks, miles of walking and biking trails, grilling areas, fire pits, a private beach, community dock, fishing, kayaking and access to the bay. University Academy is conveniently located within the neighborhood, while the growing SweetBay Town Center puts Publix, Starbucks, dining, and everyday conveniences just minutes away. A future marina will add even more to this already incredible community. Don't miss your opportunity to own this nearly new Sabal floor plan featuring two primary suites, three en-suite bedrooms, a private balcony, and an exceptional location in one of Panama City's most desirable communities -- schedule your private tour today!

2323 Discovery Loop, Panama City
3701 E 5th Street, Panama City
$140,000
3 Beds ⋅ 2 Baths ⋅ 796157 MLS
Welcome home to this 3-bedroom, 2-bath home that's truly move-in ready. You will walk into a spacious, open layout designed for comfortable living. Fresh, neutral colors throughout create a clean, inviting feel and make it easy to add your personal touch. With thoughtful updates already completed, this home is ready for its new owner to move right in and enjoy. Comfortable, and well-maintained, don't miss this opportunity!

3701 E 5th Street, Panama City
3112 Lanny Lane, Panama City
$255,000
3 Beds ⋅ 2 Baths ⋅ 796150 MLS
THE PRICE IS RIGHT -- COME ON DOWN! THIS HOME IS DEFINITELY PRICED RIGHT! If you've been waiting for a home that feels comfortable, welcoming, and truly ready for you to move right in, this is the one! Make your appointment today, because a home like this won't stay on the market for long. From the moment you walk through the door, you'll feel the warmth of a home that has been well cared for and loved. There's a wonderful neighborhood feel here -- without the HOA and those extra fees! The spacious family room is the heart of the home, complete with a wood-burning fireplace that sets the stage for cozy evenings, movie nights, and time together with the people you love. Open the sliding glass doors and step outside to your huge, fully fenced backyard, where the possibilities are endless. There's plenty of room for a large pool, garden, pets, playtime, or simply relaxing and enjoying your own private outdoor space. And imagine gathering around a fire pit with family and friends, relaxing in the hanging swings while the kids roast marshmallows and everyone enjoys a good old-fashioned S'mores night! These are the kinds of spaces where memories are made. Inside, beautiful plank tile flooring flows through the main living areas, creating an easy and comfortable space for everyday living, while carpeting in the bedrooms adds warmth and coziness. Both bathrooms have been tastefully remodeled, including the primary bath with a convenient walk-in shower. And then there's the location -- you really are in the middle of it all! Whether you're commuting to work, heading to the beach for the day, or enjoying everything Panama City has to offer, this central location makes life easier. You're just around the corner from SweetBay, University Academy, parks, shopping, dining, medical facilities, and the newly expanded Highway 390 corridor. This isn't just a house -- it's a place where you can settle in, relax, entertain, and make memories for years to come. It's move-in ready, beautifully maintained, conveniently located, and ready for someone new to make it their own. If you've been looking for a home that gives you space, comfort, convenience, and a backyard full of possibilities -- THIS ONE IS FOR YOU!

3112 Lanny Lane, Panama City
7403 Sweetbriar Road, Panama City
$249,000
4 Beds ⋅ 2 Baths ⋅ 796137 MLS
Welcome to affordable Florida living with the space, updates and outdoor lifestyle you've been searching for. This beautifully updated four-bedroom, two-bath home sits on a full acre and offers a bright, open layout with modern finishes throughout. Inside, you'll find updated flooring, spacious living areas and a beautifully refreshed kitchen featuring ample cabinetry, generous counter space and a large island that makes the perfect gathering spot for everyday living or entertaining. The functional floor plan offers plenty of flexibility for everyday living, guests, a home office or additional living space, while the bedrooms provide comfortable accommodations and a clean, updated feel throughout. Step outside and take full advantage of the Florida lifestyle with your own private pool, perfect for cooling off on hot summer days, hosting friends and family or simply relaxing in your own backyard retreat. The expansive deck offers plenty of space for grilling, outdoor dining and lounging, while the full-acre homesite provides room to spread out and enjoy a little extra privacy. With four bedrooms, two full baths, modern updates, a private pool, spacious deck and one acre of land, this home delivers a hard-to-find combination of space, comfort and Florida charm at an approachable price point. Some photos may be AI-enhanced.

7403 Sweetbriar Road, Panama City
120 Arlington Dr, Panama City
$320,000
4 Beds ⋅ 3 Baths ⋅ 1013064 MLS ⋅ 2,238 SqFt.
Welcome to 120 Arlington Dr, a spacious 4-bedroom, 3-bath home offering plenty of room to spread out, entertain, work from home, or simply relax. Inside, you'll find multiple living areas, wood-look flooring throughout much of the home, and an updated kitchen featuring dark cabinetry, stainless-steel appliances, generous counter space, and a large peninsula with room for casual seating. The oversized primary suite offers an impressive amount of space and is complemented by a roomy bath with a tiled walk-in shower. Three additional bedrooms provide flexibility for guests, office space, or hobbies. Outside, enjoy a large backyard, rear patio, and a setting made even more appealing by water views just across the street. The home also features a metal roof installed in 2019, public water and sewer, and no mandatory HOA. Conveniently located in Springfield with easy access to Panama City, Tyndall AFB, shopping, dining, and everyday amenities. Whether you're looking for space, flexibility, or a home with a peaceful view, this home is ready to welcome its next owner. Schedule your showing today!

120 Arlington Dr, Panama City
315 Gabrielle Lane, Panama City
$239,000
3 Beds ⋅ 2 Baths ⋅ 796105 MLS
Fantastic opportunity to own this Charming Cottage-Style 3 bedroom, 2 bath home in desirable Callaway Corners. Enjoy relaxing on the spacious front porch overlooking a neighborhood of well-kept homes. The updated kitchen features stainless steel appliances, granite countertops, attractive cabinetry, and a cozy dining nook. An open layout with cathedral ceilings, vinyl plank flooring, and recessed lighting creates a bright, welcoming atmosphere. Neutral paint colors and abundant natural light add to the home's appeal. Conveniently located near Tyndall AFB, shopping, dining, and a short drive to Bay County's beautiful beaches. This one is truly a must-see -- call today to schedule your private viewing!

315 Gabrielle Lane, Panama City
1219 Thomas Drive Unit 95, Panama City
$149,000
2 Beds ⋅ 2 Baths ⋅ 796096 MLS
Discover an incredible equity-building opportunity with this spacious 1,100 square-foot home located in the desirable Emerald Pointe Resort, situated directly on the beach across from the Navy Base. Offering significantly more square footage than smaller units priced much higher, this property is a true handyman special priced well below neighborhood comps that start at $225,000. Following a minor dryer incident that resulted in smoke damage, the seller has already completed the heavy lifting; a licensed electrician has verified that the dryer wiring and electrical connections are entirely sound, and the plumbing remains completely undamaged. The home is now ready for your final cosmetic touches and personal style to bring it to its full potential. Best of all, you own the land with zero lot rental fees, complemented by a reasonable HOA fee of $2,600 per year and a prime location just steps from the community pool and front gate.

1219 Thomas Drive Unit 95, Panama City
1026 Mulberry Avenue, Panama City
$269,900
3 Beds ⋅ 2 Baths ⋅ 796083 MLS
New beautiful 3 bdrm 2 bath home with LVP and cathedral ceilings in the open living area. Nice kitchen with granite breakfast bar. Lovely starter home with 3 bathrooms close to downtown shopping and for all your shopping needs and only half a mile to 15th Street corridor. Large living dining area provides space for the family to gather. Flood Zone X.

1026 Mulberry Avenue, Panama City
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