Bay County Homes under $400,000

Bay County Homes under $400,000

Welcome to Bay County, a hidden gem nestled in the heart of Franklin County, Florida! This picturesque subdivision is renowned for its stunning natural beauty, warm community spirit, and a lifestyle that perfectly blends relaxation with recreation. Whether you’re seeking a tranquil retreat or an active lifestyle, Bay County offers the ideal backdrop for your dream home.

One of the most appealing aspects of Bay County is its diverse selection of homes priced under $400,000. This affordability ensures that families, retirees, and first-time buyers alike can find their perfect sanctuary without compromising on quality or comfort. Each home in this charming subdivision reflects the quaint coastal architecture that the area is known for, featuring spacious layouts, modern amenities, and beautiful outdoor spaces.

Imagine waking up to the gentle sound of waves lapping against the shore, with nearby parks and nature trails offering endless opportunities for outdoor adventures. Bay County is also conveniently located near essential amenities, including shopping, dining, and schools, making it a practical choice for families and professionals alike.

With its friendly atmosphere and vibrant community events, Bay County is more than just a place to live; it’s a place to thrive. Explore the beautiful homes available under $400,000 and discover why so many have chosen to call this enchanting subdivision home. Whether you're looking to invest in a vacation property or settle down in a welcoming community, Bay County is ready to welcome you with open arms. Come and experience the charm of Bay County today!

Newest Bay County Homes under $400,000

9850 Thomas Dr Unit 1011w, Panama City Beach
$334,900
1 Beds ⋅ 1 Baths ⋅ 329117 MLS
Welcome to this direct Gulf-front, 10th-floor condo on the west end, offering unobstructed Gulf views and easy access to the sugar-white sand just steps from the building. This 1BR/1BA unit comes fully furnished and comfortably sleeps four with a queen bed and sleeper sofa, making it a great beach getaway or income-producing rental. Inside, you'll find an open living area, a full kitchen with stainless steel appliances, white cabinetry, and marble countertops, plus a private Gulf-front balcony that's perfect for sunsets and catching the coastal breeze. Recent updates include new appliances, countertops, paint, a newer HVAC system, and a hot water heater. Short-term rentals are allowed, pets are permitted (see condo rules and regulations), and the unit includes one unassigned parking space. Owners and guests enjoy resort-style amenities such as a private beach, three Gulf-front pools (one seasonally heated), tiki bar, clubhouse, game room, tennis courts, racquetball, shuffleboard, and complimentary beach service with two chairs and an umbrella for the 2025 season (March–October). Whether you're looking for a turnkey rental or a low-maintenance beachfront condo, this unit checks all the boxes for true Gulf-front living. Call today!

9850 Thomas Dr Unit 1011w, Panama City Beach
11711 Poston Rd, Panama City
$339,500
3 Beds ⋅ 2 Baths ⋅ 328206 MLS
This beautifully built 2024 home offers 3 bedrooms, 2 bathrooms, and a bright, open layout that's designed for comfortable everyday living. From the moment you walk in, you'll notice the clean, modern feel with quartz countertops, durable finishes, and a spacious living area that flows easily into the kitchen and dining space—perfect for both relaxing and entertaining. The bedrooms are generously sized, and the primary suite offers a private retreat with a walk-in closet and plenty of room to unwind at the end of the day. This home also includes several thoughtful upgrades, including gutters, a hybrid water heater, window coverings, Kevlar hurricane window blankets, and an oversized corner lot, giving you added comfort, efficiency, and peace of mind. Outside, the inground sprinkler system helps keep your yard looking great year-round, and with a nearly new roof and construction, you can enjoy low-maintenance living for years to come. Located in the Sunrise at EastBay community, this peaceful bayside neighborhood is known for its laid-back “Old Florida” charm. Tucked along the Intracoastal Waterway, it's an ideal spot for anyone who loves being on or near the water. Spend your days boating, fishing, or exploring—Shell Island and the Gulf of Mexico are just a short 15-minute boat ride away. You're also just 20 minutes from Tyndall AFB and about 30 minutes from Northwest Florida Beaches International Airport, making commuting and travel easy. Whether you're looking for a full-time residence, a second home near the water, or an investment opportunity in a growing area, this home offers a great combination of location, quality, and lifestyle. Come see what makes EastBay such a special place to call home!

11711 Poston Rd, Panama City
8324 Hwy 2301, Youngstown
$290,000
5 Beds ⋅ 4 Baths ⋅ 325067 MLS
This spacious multi-family home sits on a one-acre lot and features two separate living spaces along with a large garage. It's perfect for a large family, someone interested in short- or long-term rentals, or a car enthusiast with home projects in mind. As you approach, the well-maintained lot, adorned with mature trees and shrubs, welcomes you. Enter through the front door into a cozy living area that leads to an open-concept kitchen and dining room. To the right, there's a bathroom and three bright bedrooms, including a primary suite with its own ensuite bathroom. The large living room at the back overlooks a private, fenced-in backyard. The attached two-car garage includes an office, storage room, and half bath. The separate apartment can be accessed from inside the garage or via an outdoor staircase, and it features a remodel with a kitchen, laundry room, full bathroom, living area, and storage. At the back of the property, another oversized garage offers additional storage space, ideal for RV or boat storage. This property is in a non-flood zone with no HOA fees and allows for RV parking. Recent updates include a new roof and seamless gutters installed in 2021, a water heater replaced in 2019, and siding updated in 2018. The main house has new flooring and paint, making it ready for new owners. Located just minutes from restaurants, shops, and a new Publix, with parks nearby and Panama City Beach only 21 miles away, this property offers the best of both convenience and serenity. Call today for more information or to schedule a showing!

8324 Hwy 2301, Youngstown
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