Panama City Beach · Places
Panama City Beach Neighborhoods & Communities
Where to live in Panama City Beach: gated golf communities, beach neighborhoods, and resort enclaves - each with covenant, rental, and lifestyle notes.
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Panama City Beach · Local Guidance
Panama City Beach, end to end
Panama City Beach runs along the Gulf in Bay County, and its neighborhoods organize around two east-west roads: Front Beach Road on the sand and Back Beach Road, which is US 98, further inland. The east end centers on Thomas Drive and Grand Lagoon, where boat lifts, marinas, and St. Andrews State Park anchor the neighborhoods. The west end quiets toward Lake Powell, Camp Helen State Park, and the gated cottages of Carillon Beach at the Inlet Beach line.
Between the two roads sits most of the condo inventory, while north of Back Beach Road the market turns to single-family subdivisions, many of them newer master-planned communities built around pools, trails, and recorded covenants.
Compare east end against west end first, then whether a neighborhood permits short-term rentals or reserves itself for full-time occupancy, and finally the water a street actually faces: gulf, lagoon, and lake frontage each behave differently for storms, insurance, and boats.
Showing all 58 neighborhoods and communities
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7 places- Bahama BeachNeighborhood · Short-Term Rental EligibleBahama Beach appears in Bay County records as ten parcels at 12908 Front Beach Road inside the City of Panama City Beach: nine coded condominium units and a common-area parcel owned by Bahama Beach Villas, LLC. Zone X is the FEMA designation on every one of the ten.
- Bay PointNeighborhood · Short-Term Rental EligibleBay Point shows up in Bay County records as 25 parcels carrying the Bay Point name, all in unincorporated Bay County: 14 common-area parcels, a marina, club land and one house. On FEMA's current map seven sit entirely in Zone X and 18 touch Zone AE.
- Bel AirNeighborhood · Short-Term Rental EligibleBel Air is a recorded plat on Thomas and Surf drives with Panama City Beach mailing addresses, mostly in unincorporated Bay County, mixing houses and condos.
- Bid-A-WeeNeighborhoodBid-A-Wee turns up as four Bay County name matches, but only three of them sit together in the City of Panama City Beach; the fourth is an apartment parcel on Florida Avenue about 11 miles away in the City of Panama City.
- Biltmore BeachNeighborhood · Short-Term Rental EligibleBiltmore Beach turns up in Bay County records as a single family parcel at 3808 Biltmore Drive owned by 3808 Biltmore Beach LLC and the Biltmore Beach Club, LLC common-area parcel, which belongs to a 13-parcel number series. All of it lies in unincorporated Bay County.
- Breakfast PointCommunityA St. Joe subdivision east of the beach corridor whose thirteen recorded phases straddle the Panama City Beach city limit, leaving 367 houses inside the city and 255 in unincorporated Bay County.
- Breakwater at Ward CreekNeighborhoodBreakwater at Ward Creek appears in Bay County records as two HOA common-area parcels in unincorporated Bay County, set among 255 parcels of which one company, Toll Southeast Inc, is the named owner of 179. Flood is a second split: Zone A covers roughly three quarters of the HOA common ground on FEMA's current map.
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3 places- Carillon BeachNeighborhood · Short-Term Rental EligibleCarillon Beach is a Bay County community of houses and condominiums that listings place in Panama City Beach. Every parcel the county files under the Carillon Beach owner name lies outside any city, in unincorporated Bay County. All 25 of those parcels have Zone AE ground and five reach coastal Zone VE, three on Beachside Drive, which puts flood exposure ahead of most other questions here.
- Casa del MarNeighborhoodCasa del Mar is 16 homes built in 2005 along Front Beach Road (22430-22460), with Panama City Beach mailing addresses, in unincorporated Bay County.
- Colony ClubNeighborhoodColony Club in Panama City Beach, Bay County: four recorded plats near West Bay hold 152 parcels, with homes built from 1985 to 2023.
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3 places- Grand Lagoon ShoresNeighborhoodGrand Lagoon Shores, searched in Panama City Beach listings on September 24, 2026, held 14 sold homes and nothing active. Bay County's owner-name search returns nine parcel numbers, but only two sit near each other; the other seven lie 15 to 32 miles away in north and northeast Bay County.
- Gulf HighlandsNeighborhoodOn September 24, 2026, a saved Gulf Highland search for Panama City Beach showed 16 active listings and 102 sold homes. Bay County's owner-name search finds 19 parcel numbers within half a mile of one another, mostly labelled common area, and five of them reach mapped flood-hazard ground.
- Gulf VistaNeighborhoodGulf Vista is four recorded plats with 167 parcels in unincorporated Bay County, mailed as Panama City Beach, FL 32413.
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4 places- Harrison's WalkNeighborhoodHarrison's Walk is a small-lot Madison Circle subdivision with a Panama City Beach address in unincorporated Bay County, built in two waves.
- Hathaway TownhomesNeighborhoodHathaway Townhomes is a two-phase community on Pointe Drive and Shadow Lake Drive with a Panama City Beach address, in unincorporated Bay County.
- Hidden PinesNeighborhoodHidden Pines is a single-family neighborhood in unincorporated Bay County with Panama City Beach addresses. Most of its homes went up between 1995 and 2004 and hold 1,464 to 3,453 square feet of living area, on median lots near 6,900 square feet in Phase VI and roughly 9,700 to 10,700 square feet in Phases I, II and VII. Thirty parcels, nearly all in Phases V, VI and VII, reach Zone A ground with no published base flood elevation, which makes a lot's place on FEMA's map the first thing to look up.
- Holiday BeachNeighborhood · Short-Term Rental EligibleHoliday Beach covers 6 active and 54 sold Panama City Beach homes as of September 24, 2026, while the county's three matching parcels sit as much as 11 miles apart.
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2 places- Kelly Street PinesNeighborhoodKelly Street Pines is a run of 17 single-family parcels on Kelly Pines Place, all inside the City of Panama City Beach, with 17 sales and no homes listed as of September 24, 2026.
- Kiska BeachNeighborhood · Short-Term Rental EligibleKiska Beach is a platted area of 190 parcels in unincorporated Bay County with Panama City Beach 32413 addresses, its east edge about 50 feet from the city limit. As of September 24, 2026 the listing label showed 1 active and 21 sold dwellings.
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5 places- La Valencia Beach ResortNeighborhood · Short-Term Rental EligibleLa Valencia Beach Resort covers 2 active and 19 sold Panama City Beach homes as of September 24, 2026, while county records tie six parcels to the name, all in unincorporated Bay County.
- Laguna BeachNeighborhood · Short-Term Rental EligibleLaguna Beach reaches 16 active and 183 sold Panama City Beach homes as of September 24, 2026, while the county's owner-name search finds eight parcels, two of them timberland roughly 24 miles from the rest.
- Laguna HavenNeighborhood · Short-Term Rental EligibleThe name Laguna Haven turns up in Panama City Beach listings. On September 24, 2026 its dwelling-only history showed two active and 23 sold listings, while Bay County's parcel roll holds 45 parcels in the number block beginning 38319-150.
- Latitude Margaritaville WatersoundNeighborhoodLatitude Margaritaville Watersound is a large Bay County home community whose listings carry Panama City Beach. Its nine association parcels sit inside Bay County's 32503 number block, 3,129 parcels that the roll codes mostly single family, with 859 labeled vacant, though the block's size is not a measure of the community. Every one of those association parcels overlaps mapped flood ground, which makes the flood determination for the exact address the record that matters most.
- Lullwater BeachNeighborhood · Short-Term Rental EligibleLullwater Beach matches a 40-unit condominium parcel block at 301 Lullwater Drive in county records, although the September 24, 2026 listing history labels seven of its ten sales as houses.
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4 places- Magnolia Bay ClubNeighborhoodMagnolia Bay Club spans two recorded parts in county records: a block of 64 single-family parcels on Stellata Lane, Bigleaf Lane and Grandiflora Boulevard, and a condominium at 2400 Grandiflora Boulevard.
- Margaritaville CottagesNeighborhood · Short-Term Rental EligibleMargaritaville Cottages is a neighborhood of homes built in 2023 off Front Beach Road in Panama City Beach. Phase 1 holds single-family homes of 4,230 to 5,425 square feet on lots of 8,059 to 9,322 square feet, while Phases 2 and 3 sit on lots of 2,396 to 3,136 square feet with 2,150 to 3,571 square feet of living area. Phase decides a great deal here: all 15 Phase 1 parcels intersect FEMA's coastal zone VE at a 15-foot base flood elevation, while Phases 2 and 3 map as zone X.
- Miller's Landing on Lake PowellNeighborhoodMiller's Landing on Lake Powell has one county parcel in its own name, a residential common-area parcel at 22920 Ann Miller Road, inside a block of 30 parcels numbered 35249; the stored Panama City Beach listing history shows one active and 21 sold.
- Miramar HeightsNeighborhoodMiramar Heights is a 197-parcel plat in Panama City Beach, Bay County, where Panama City Beach Parkway divides single-family and manufactured-home zoning.
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2 places- Ocean MistNeighborhoodOcean Mist is a 25-parcel plat on Wiregrass Lane in Panama City Beach, Bay County, with 24 houses built from 2015 to 2017 and one common-area parcel.
- Open SandsNeighborhood · Short-Term Rental EligibleThe county roll files 389 parcels under the Open Sands name in Panama City Beach, 351 of them single-family, with most recorded build years falling between 1970 and 1989.
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6 places- Palm BayNeighborhoodThe 2026 county roll files 221 parcels under six numbered Palm Bay units in Panama City Beach, 217 of them single-family, with most built in the 1990s.
- Palm CoveNeighborhoodPalm Cove is a Bay County neighborhood of single-family homes in Panama City Beach, built from 2003 to 2007. It was recorded in three phases that follow the building order, Phase 1 in 2003, Phase 2 from 2003 to 2005 and Phase 3 from 2005 to 2007, along White Cap Way, Seagrass Way, Cabana Court, Sand Castle Lane and Seashore Lane. Before comparing houses, look up the lot itself on the county's FEMA flood-zone layer, because no single flood zone has been published for Palm Cove's 283 parcels.
- Palmetto TraceNeighborhoodRecorded build years from 2002 through 2010 mark Palmetto Trace, a Panama City Beach neighborhood divided into six labeled phases that the 2026 Bay County roll files as 488 parcels, 478 of them single-family.
- Paradise GroveNeighborhoodThe 2026 county roll files 83 parcels under Paradise Grove, nearly all on Paradise Boulevard in Panama City Beach: 62 single-family, 18 vacant and 2 association-listed common areas, with recorded years built from 2008 to 2025.
- Pirates Cove InletNeighborhood · Short-Term Rental EligiblePirates Cove Inlet is three condominium groups with 42 residences, mailed as Panama City Beach but sitting in unincorporated Bay County.
- Preserve on the BayNeighborhoodPreserve on the Bay is five recorded phases and 246 parcel identifiers in unincorporated Bay County, mailed as Panama City Beach, ZIP 32408.
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2 places- RiverCamps on Crooked CreekNeighborhoodRiverCamps on Crooked Creek shows up in Bay County records as nine parcels of vacant ground and common area in unincorporated Bay County, where FEMA's flood map runs from minimal-hazard Zone X through Zone AE to coastal Zone VE.
- Riviera BeachNeighborhood · Short-Term Rental EligibleThe September 24, 2026 Panama City Beach listing search turns up eight active and 87 closed dwellings for Riviera Beach, but Bay County's own records hold a single 0.681-acre common-area parcel at 118 Riviera Drive, outside the city limits.
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5 places- Santa Monica BeachNeighborhoodSanta Monica Beach shows one active and 17 sold dwellings in a September 24, 2026 listing search, with sales from January 27, 2016 to April 18, 2025, and county records list one 4.304-acre common-area parcel at 20825 Front Beach Road.
- Seaclusion BeachNeighborhoodSeaclusion Beach is a Panama City Beach subdivision in Bay County with 176 parcels, 170 of them single-family houses built 1988 through 2021.
- Silver SandsNeighborhood · Short-Term Rental EligibleBay County's owner-name search finds three small parcels totaling 0.5 acres under Silver Sands, one of them in FEMA Zone VE, while a September 24, 2026 Panama City Beach listing search tallies two active and 14 sold dwellings.
- SouthfieldNeighborhoodSouthfield appears in Bay County records as three parcels on Southfields Road, one single-family, one condominium and one common-area, all in unincorporated Bay County and in FEMA's minimal-hazard Zone X.
- SummerwoodNeighborhoodSummerwood shows no active and 17 sold dwellings in a September 24, 2026 Panama City Beach listing search, and Bay County links seven parcels to the name, inside the city and entirely in FEMA's minimal-hazard Zone X.
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5 places- Tapestry ParkNeighborhoodTapestry Park's saved Panama City Beach listing search, dated September 24, 2026, counts 19 homes sold between November 2015 and April 2026 alongside two active listings. Nine parcels turn up in the county's owner-name search, spread over 13 records, and all are association common ground or vacant commercial land with no house classed among them.
- The GladesNeighborhoodThe Glades listing snapshot, saved September 24, 2026 from a Panama City Beach search, tallies two active listings and 21 sold homes. Bay County's owner-name search returns only three parcels, an association common-area parcel on Glades Trail South and two vacant commercial parcels on Panama City Beach Parkway, while a street search finds 75 parcels with Glades Trail addresses.
- The Preserve at Lake PowellNeighborhoodThe Preserve at Lake Powell spans 40 houses on two recorded plats off Ann Miller Road, in unincorporated Bay County with Panama City Beach addresses.
- Treasure CoveNeighborhoodTreasure Cove in Panama City Beach, Bay County, is three places under one name: two groups of lots and a condominium of 57 unit parcels on Thomas Drive.
- Turtle CoveNeighborhoodTurtle Cove at Lake Powell, a Panama City Beach plat in Bay County, holds 99 single family parcels on about 23 acres in two recorded phases.
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4 places- WaterfallNeighborhoodWaterfall, a Panama City Beach plat in Bay County, holds 106 single family parcels on nine falls-named lanes, nearly all built from 2016 to 2019.
- WendwoodNeighborhoodWendwood is a 64-unit condominium at 17642 Front Beach Road in Panama City Beach, Bay County, built from two repeating plans in eight lettered groups.
- Whisper DunesNeighborhoodWhisper Dunes is covered here only as Panama City Beach listings: a saved search from September 24, 2026 shows five active listings and 52 sold homes. Searching Bay County's records by owner name yields 25 entries for 14 parcels; each is association common ground or vacant land, and none is classed as a house.
- Wild HeronNeighborhoodWild Heron's market figures come from a saved listing search limited to Panama City Beach, which held 10 active and 188 sold dwelling listings on 2026-09-24. Bay County's owner-name search returns only association, developer and common-area parcels, so it cannot count the homes, and county maps place those parcels outside any city.
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Straight Answers
Panama City Beach Neighborhood Questions
What is the practical difference between a Front Beach Road and a Back Beach Road address?
Front Beach Road puts you on or across from the sand, among the condo towers and the seasonal traffic that comes with them. Back Beach Road, which is US 98 through Panama City Beach, fronts the newer single-family subdivisions and everyday retail, trading gulf views for quicker year-round movement. Many buyers land in the neighborhoods between the two roads on purpose.
Which part of Panama City Beach do boat owners gravitate toward?
Grand Lagoon on the east end is the center of gravity: marinas, charter operations, and canal streets with lifts cluster around it, and the pass at St. Andrews delivers direct gulf access. Lake Powell on the west end suits paddleboards and small craft but is a coastal dune lake rather than a harbor, so pick your end of town around the water you will actually use.
Are the master-planned communities north of Back Beach Road interchangeable?
They rhyme without repeating. Most share recorded covenants, amenity centers, and phased construction, but they diverge on lot dimensions, rental posture, builder mix, and how much of the plan is actually built. Walking a completed phase and reading the declarations tells you more about the next decade there than any brochure for the newest phase will.
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