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4/3 single family home in El Centro Beach, Panama City Beach. 150 ft lakefront, renovated 2019, no HOA, 2 car garage.

This renovated single-family home offers a rare combination of waterfront frontage, lot size, and proximity to the beach in Panama City Beach. Located in El Centro Beach community with no HOA, the property spans two oversized lots with approximately 150 feet of frontage on Lullwater Lake and is just steps from beach access. Short term rentals are not permitted.                                                                                 
The interior includes 4 bedrooms and 3 full bathrooms across 2,419 heated and cooled square feet, all on one level. Renovated down to the studs in 2019, the home features updated flooring, crown molding, custom cabinetry, quartz countertops, custom tile showers, a gas fireplace, and a modern kitchen with stainless Samsung appliances, wine refrigerator, pantry, island, and breakfast bar.                                                      
Major system updates completed in 2019 include a metal roof, plumbing, electrical, HVAC and ductwork, tankless water heater, and impact rated doors, windows, and garage door. A Generac whole house generator provides backup power, and natural gas is connected.                                                                       
Outdoor features include a private dock with lake access, a separate kayak launch, fenced backyard, extended patio with outdoor shower, and plumbing in place for a future summer kitchen. The property offers ample space for a future pool. Additional features include a central courtyard with pergola, circular driveway with parking for eight or more vehicles, RV or boat parking with 50 amp service, sprinkler system, and an attached two car garage with insulated walls and storage.                                           
Convenient to beach access, dining, shopping, and entertainment, this property offers waterfront living without an HOA in a well established neighborhood.
#782720

Panama City Beach

263 Lullwater Drive

4 Beds

3 Baths

2,419 Sq.Ft.

$990,000

MLS#: 782720

Price reduced
A family friendly property that renters will love. Checks all the boxes: Spacious, updated, and steps from the beach. This 3-bedroom, 3-bath corner condo at Surfside Resort offers a rare blend of lifestyle and income potential. With a smart lockout layout, owners can enjoy extended stays while renting part or all of the condo when away. Sold fully furnished, the residence features ceramic tile throughout, remote-controlled shades, and updated kitchen and baths with white cabinetry, granite countertops, and modern finishes. The lockout allows the unit to function as a full 3-bedroom or as a 2-bedroom and 1-bedroom, each with its own entry and balcony--an ideal setup for offsetting ownership costs. The unit sleeps 8 and has a strong rental history, with $78,007 in 2024 and $68,689 in 2025. Why this condo?  It stands out not because of a single feature, but because of how well everything works together for an owner who wants to enjoy the beach lifestyle while making a smart long-term decision. 

With three true bedrooms and three full baths, this condo offers the size and livability that second-home buyers and extended families are looking for: space to settle in, host comfortably, and stay longer when visiting. The condo has been thoughtfully renovated and meticulously maintained, with ceramic tile flooring throughout (no carpet), updated kitchen and baths featuring white cabinetry, granite countertops, and modern tile, and an open-concept layout that feels bright, clean, and easy to live in. Remote-controlled shades in the living and dining areas add both convenience and comfort. No work or expense needed. 

One of the most valuable features is the flexible lockout floor plan. This allows the unit to be enjoyed as a full 3-bedroom residence, or separated into a 2-bedroom and a 1-bedroom each with its own private entry, balcony, and views. This design gives you multiple options: enjoy the entire condo for personal use, rent it as a whole, or occupy one side while renting the other. For lifestyle-focused buyers, this flexibility is key; it allows ownership costs to be offset while still preserving privacy and personal enjoyment.

The unit comfortably sleeps eight and has a strong rental history, with documented income and projected rental potential that can significantly reduce the cost to own. This makes it especially attractive to buyers who want a beach place now, without carrying the full burden of ownership long-term, and who like the idea of renters helping pay down the property over time.

Location is another major driver of value. Surfside Resort sits just steps from the beach with private, deeded beach access via a unique skywalk to the Gulf of Mexico. Owners and guests are also close to shopping, dining, golf, and everyday conveniences features that matter not only for personal enjoyment but also for consistent rental demand year after year.

Surfside is a true resort-style community, offering an on-site restaurant with room service, beachfront and poolside bars, heated pool, kiddie pool, hot tubs, fitness center, spa and salon, tennis, pickleball and basketball courts, shuffleboard, and the onsite restaurant has weekly beach bonfires that are a favorite with guests of all ages. Covered parking, heated and cooled interior corridors, on-site management, maintenance, and security add ease and peace of mind for owners who are not always local.

Equally important in today's condo market, Surfside is a well-managed, storm-rated building with no special assessments, and the 2024 Structural Integrity Reserve Study identified no structural integrity concerns, confirming the building is structurally sound. This provides buyers with confidence in both the physical condition of the property and the long-term stability of the association.

For buyers seeking more than just a place to stay, those looking for a beach home that is spacious, updated, walkable, flexible, and financially sensible this residence delivers. It's a property designed to be enjoyed now, supported by rental income along the way, and positioned for long-term ownership with confidence.
#991718

Miramar Beach

1096 Scenic Gulf Drive UNIT 1012

3 Beds

3 Baths

1,617 Sq.Ft.

$805,000

MLS#: 991718

None
#991415

Panama City Beach

9207 Widener Street

3 Beds

2 Baths

1,343 Sq.Ft.

$189,900

MLS#: 991415

CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS. This thoughtfully designed 3BR/2BA home is tucked inside RiverCamps, one of Panama City Beach's most unique gated communities. Set on over two-thirds of an acre on a quiet cul-de-sac, this property offers wooded views, glimpses of West Bay, and a setting that feels worlds away...while putting you just minutes from everyday conveniences.

Inside, the home welcomes you with soaring ceilings, abundant natural light, and an open layout that connects the living, dining, and kitchen areas. The living room centers around a fireplace and flows into a modern kitchen featuring a large island, custom cabinetry, and stainless steel appliances. The spacious primary suite includes private deck access, a spa-inspired ensuite with a frameless glass shower, and double vanities. Two additional bedrooms, a versatile bonus room, and a lower-level oversized garage add flexibility for work, hobbies, or guests. An elevator provides easy access between levels. Multiple covered decks and a screened porch extend the living space outdoors, offering peaceful views and a place to unwind year-round.

Just steps from the home, the brand new  RiverHouse (under construction) will serve as the community's waterfront hub. The Swimmin' Hole (amazing pool amenity)  bayfront pavilion, boat launch, docks, and miles of nature trails are already wonderful places for owners to enjoy and get in touch with the outdoors. With nearly two-thirds of RiverCamps' 1,500 acres preserved, residents enjoy unmatched privacy and direct access to West Bay and Crooked Creek for boating, fishing, and paddleboarding. And even with its secluded feel, you're still close to Publix, the new medical campus, world-class golf, the airport, and just 10 miles from Panama City Beach's sugar-white sand.

Whether you're looking for a full-time residence or a peaceful retreat, this home blends nature, comfort, and convenience into a lifestyle that truly stands apart.
#782711

Panama City Beach

7702 Cattail Marsh Lane

3 Beds

2 Baths

2,430 Sq.Ft.

$849,000

MLS#: 782711

Prime mixed-use lot in the heart of Miramar Beach. Existing structure will be removed by the seller. Located on Holiday Road just north of Highway 98, offering excellent visibility and access. Buyer to verify all zoning, usage, measurements, and all information deemed important.
#991330

Miramar Beach

139 N Holiday Road

None Beds

None Baths

0.32 acres

$450,000

MLS#: 991330

OWNER FINANCING AVAILABLE. 20% DOWN 0% INTEREST UP TO A 5 YEAR TERM.  PROPERTY CURRENTLY ZONED C2 HAVE CONFIRMED IT CAN BE REZONED TO C1 ALLOWING APARTMENTS, MAKING THIS A PREFECT OPPORTUNITY FOR AN INCOME PRODUCING PROPERTY. ADDITIONAL LOT MLS 991446 IF BUYER NEEDS ADDITIONAL LAND.  Located near hospital, medical offices, medical facilities, shopping and schools.   Old home on middle lot given little to no value, but can be shown.   Buyer to verify all areas of importance to include lot size, zoning.
#991445

Crestview

TBD Brookmeade Drive

None Beds

None Baths

N/A

$375,000

MLS#: 991445

A Rare Opportunity in the Heart of DestinWelcome to one of Destin's most extraordinary offerings--the largest residential lot currently for sale in the city, spanning an impressive .39 acres. With approximately 85' of road frontage and a generous 200' depth, this oversized parcel provides the space and flexibility that is nearly impossible to find in Destin today.This vacant lot is perfectly suited for your custom dream home, with ample room for a private pool, outdoor entertaining areas, a pickle ball court, of if permissible an in-law suite--ideal for hosting guests in comfort and style. This oversized parcel offers outstanding flexibility for investor-builders, with ample space to design and construct a high-end custom residence, luxury spec home, or multi-generational layout. Whether you envision a modern coastal retreat or a timeless Florida estate, this property offers the rare combination of size, versatility, and location. Build without compromise and enjoy the freedom that only a lot of this scale can provide.

Opportunities like this are exceptionally rare in Destindon't let this one slip away.
#991339

Destin

320 Main Street

None Beds

None Baths

0.39 acres

$299,900

MLS#: 991339

12 Month Lease, $1,575 deposit, Available Now!This 1-bedroom, 1-bathroom apartment on Okaloosa Island at 302 Santa Rosa Blvd offers 600 square feet of living space. The unit features air conditioning for climate control and includes am IN-UNIT washer and dryer for convenience. The living room provides ample space for relaxation, while the bedroom is designed for comfort and privacy. The bathroom is functional and equipped with essential fixtures. The property is smoke-free, ensuring a clean-living environment. The exterior is well-maintained, contributing to the overall appeal of the building. This property combines essential amenities with practical living arrangements.*Price shown is base rent. Excludes user-selected optional fees and variable or usage-based fees.
#991331

Fort Walton Beach

302 Santa Rosa Boulevard 11

1 Beds

1 Baths

600 Sq.Ft.

$1,575

MLS#: 991331

Set on a 1/4-acre private lot in North Lagoon Oaks, this well-maintained 3-bedroom, 2-bath home offers comfort, convenience, and space to enjoy the Florida lifestyle. The open and inviting layout features a large living area with natural light, a dedicated dining space, and a functional kitchen with plenty of cabinet storage. The split floor plan provides privacy with a spacious primary suite complete with an ensuite bath, while two additional bedrooms offer flexibility for guests, a home office, or hobbies. Outside, enjoy a cleared and oversized yard--perfect for pets, gardening, or adding a workshop or storage building. The property includes a private driveway with ample parking for vehicles, a boat, or RV, and no HOA means you have the freedom to make it your own. Located on a quiet cul-de-sac just minutes from St. Andrews State Park, the Grand Lagoon, beaches, dining, and marinas, this home combines peaceful living with easy access to everything Panama City Beach has to offer. Whether you're looking for a full-time residence, seasonal getaway, or investment opportunity, this one is ready for your next chapter.
#991349

Panama City Beach

433 Water Oak Circle

3 Beds

2 Baths

1,248 Sq.Ft.

$215,000

MLS#: 991349

Escape into the serene comfort of your new home at 316 Lewis St D. This charming multiplex offers a delightful blend of convenience and tranquility, featuring a thoughtfully designed layout with 2 cozy bedrooms and 1 full bathroom. Spanning 924 square feet, this inviting space promises ample room for relaxation and personalization. Sunlight dances through the windows, creating a warm and welcoming atmosphere that invites you to unwind after a busy day. The open living area seamlessly connects to the kitchen, making it perfect for both quiet evenings and gatherings. Located in a prime area, you'll have easy access to local amenities, ensuring that everything you need is just a short distance away. Whether you're a beach lover or prefer the comforts of home, this property offers the best of both worlds. Imagine savoring your morning coffee or hosting a dinner party in this idyllic setting. Experience the joys of coastal living and make this enchanting residence your own personal haven. Don't miss the opportunity to embrace a lifestyle of ease and enjoyment at this exceptional address. With an approved pet application, owner will allow cat's only fully grown with a $350 non-refundable pet fee . All Coastal Realty Services residents are enrolled in the Resident Benefits Package (RBP) which includes renters insurance, HVAC air filter delivery (for applicable properties) and our best-in-class resident rewards program, and much more! More details upon application.
#991343

Fort Walton Beach

316 Lewis Street D

2 Beds

1 Baths

924 Sq.Ft.

$1,300

MLS#: 991343

Price reduced
*WATERFRONT STUDIO APT/FULLY FURN!!* This studio apt overlooks Cinco Bayou and the dock at Pier One. Your home is fully furnished to include a murphy bed with storage/sheets, couch, TV, dining table, kitchen has pots/pans, utensils/silverware, cutting boards - all you need! Water/Sewer/Trash included in rent. Sorry no pets. All Coastal Realty Services residents are enrolled in the Resident Benefits Package (RBP) which includes renters insurance, HVAC air filter delivery (for applicable properties) and our best-in-class resident rewards program, and much more! More details upon application.
#991362

Fort Walton Beach

210 Pelham Road 9B

None Beds

1 Baths

382 Sq.Ft.

$1,095

MLS#: 991362

Welcome to this updated 4-bed, 2-bath pool home in HBTS, offering amenities & investment potential. Currently a successful Airbnb & can include all furnishings, management, & proven rental track record. Turn the key & enjoy 2 versatile flex spaces as you enter. The split floor plan is styled w/LVP flooring throughout. Primary suite has natural lighting, granite dual vanity, & his-and-hers walk-in closets. The kitchen has ample cabinet space, granite countertops, stainless steel appliances, & dining area opening to the main living space. Well-sized guest bedrooms are complimented w/renovated, spa type, guest bath. A screened-in Florida room, ready for your personal touch, leads you to an in-ground pool w/safety fence, jacuzzi, & outdoor shower, perfect for relaxing or entertaining guests!
#991337

Navarre

2005 Cardinal Lane

4 Beds

2 Baths

2,542 Sq.Ft.

$524,900

MLS#: 991337

This quant little townhome has been very well cared for and it shows! Its bright and clean and boasts brand new LVP flooring throughout and freshly painted. The kitchen is adorable with granite countertops, freshly painted cabinets, new microwave and stove. A huge plus about this little place is the indoor stackable laundry space and lovely back patio area. Bonus: Hurricane shutters, newer roof, and 2019 water heater and washer and dryer.
#991347

Fort Walton Beach

503 Chinas Cove B

1 Beds

1 Baths

516 Sq.Ft.

$159,900

MLS#: 991347

Excellent investment or owner-occupant opportunity with this well designed 2-unit property, where each unit offers 2 bedrooms and 2 bathrooms. Both units feature separate power and water meters, allowing for fully independent living and strong rental flexibility. Both Unit A and Unit B are currently occupied, providing immediate income from day one. This property offers a great blend of functionality and investment appeal in a high-demand rental market, with strong potential for long-term rental performance and future flexibility. Location is a major highlight situated on North Lagoon, you're just a 2-minute drive to the beautiful beaches, and approximately 15 minutes from Pier Park, known for its shopping, dining, and entertainment.
#782721

Panama City Beach

2432 Valley Oak Court A&B

4 Beds

4 Baths

2,196 Sq.Ft.

$549,900

MLS#: 782721

Beautifully maintained 2BR/2BA brick home located at 204 N. El Centro Blvd. in the heart of Panama City Beach. Situated in a quiet, established neighborhood, this home is just a short walk to the white sand beaches of the Gulf of America and approximately 1.6 miles from Pier Park, placing you moments from some of the best shopping, dining, and entertainment in the Florida Panhandle.

The home features 9-foot ceilings, a spacious living room, and an open layout that immediately showcases how roomy the home truly is. Durable tile and luxury vinyl plank (LVP) flooring run throughout, complemented by granite countertops in the kitchen and both bathrooms. The primary bedroom is generously sized, and the master bathroom offers ample space with a beautifully designed shower and a large walk in closet, providing comfort and functionality.

Enjoy outdoor living in the beautiful backyard, ideal for relaxing or entertaining, complete with a privacy fenced rear yard, irrigation system, and a two-car garage. This home has been immaculately maintained and was used exclusively as the owners' private vacation retreat. It has never been rented and has only been occupied by the owners, reflecting exceptional care and minimal wear.

Located just minutes from Pier Park, you'll enjoy endless shopping, great restaurants, entertainment venues, and year-round activities right at your fingertips  you'll truly never get bored. With beach access, premier retail, and dining all close by, this home delivers the ultimate Panama City Beach lifestyle.

Conveniently located near area schools including Hutchison Beach Elementary (~3.5 mi), Surfside Middle School (~2.4 mi), and Arnold High School (~4.5 mi)

Whether you're searching for a primary residence, beach retreat, or investment opportunity, this home offers space, location, and coastal charm!
  
''All measurements and square footage are approximate and should be verified by the buyer or buyer's agent. Information is deemed reliable but not guaranteed.''
#782695

Panama City Beach

204 N El Centro Boulevard

2 Beds

2 Baths

1,598 Sq.Ft.

$492,000

MLS#: 782695

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* Listings identified with the FMLS IDX logo come from FMLS and are held by brokerage firms other than the owner of this website. The listing brokerage is identified in any listing details. Information is deemed reliable but is not guaranteed. If you believe any FMLS listing contains material that infringes your copyrighted work please click here to review our DMCA policy and learn how to submit a takedown request. © 2024. First Multiple Listing Service, Inc.
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