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Welcome to an extraordinary opportunity inside the prestigious gated waterfront community of Finnisterre -- one of Bay County's most exclusive luxury neighborhoods. Situated along the sparkling waters of St. Andrews Bay, this rare waterfront homesite at 3303 Terra Cotta offers a breathtaking setting to build a true coastal masterpiece. Surrounded by elegant custom homes, lush tropical landscaping, and winding private streets, Finnisterre is renowned for its upscale atmosphere, stunning architecture, and unmatched waterfront lifestyle. Residents enjoy beautifully maintained common areas, a private and peaceful setting, and a sense of luxury that is immediately felt the moment you enter the neighborhood. These exceptional lots feature expansive water views and a unique peninsula-style setting that creates an incredible sense of privacy and exclusivity. Boaters will appreciate the prime location just minutes from the Pass, providing quick and convenient access from St. Andrews Bay directly to the Gulf of America for world-class fishing, boating, waterfront dining, and endless days on the water. Whether you envision a luxury coastal estate with panoramic bay views, a private retreat surrounded by nature, or the ultimate entertaining property, this homesite offers a rare combination of beauty, location, and lifestyle that is becoming increasingly difficult to find along the Emerald Coast. Enjoy the perfect blend of tranquility and convenience while remaining close to premier marinas, golf courses, shopping, dining, and the white sand beaches that make Northwest Florida famous. Luxury waterfront opportunities like this in Finnisterre are exceptionally rare.
#789572

Panama City

3303 Terra Cotta Drive

None Beds

None Baths

0.4 acres

$395,000

MLS#: 789572

LAKEFRONT HOME with BEAUTIFUL VIEWS AVAILABLE at Emerald Pointe Resort. This one bedroom, one bath beauty comes complete with a screened lanai OVERLOOKING the private lake and boardwalk. It has an open floor-plan, separate 7x9 storage building outside with work bench, roof installed 7/19, APPLIANCES updated 2021 in kitchen, washer, dryer, stove and HVAC updated since 2023, and it's being sold furnished! This home would be an excellent primary residence, vacation home or rental property. Emerald Pointe is located in the heart of Panama City Beach close to restaurants, shopping, and the world's most beautiful beaches. It's is a golf cart friendly, gated community that offers a large clubhouse, exercise room, 2 pools (one heated seasonally), hot tub, private lake w/boardwalk and shuffleboard courts.
#789499

Panama City Beach

1219 Thomas Drive 73

1 Beds

1 Baths

412 Sq.Ft.

$189,900

MLS#: 789499

Enjoy coastal living in the heart of Fort Walton Beach on beautiful Cinco Bayou! This condo offers great amenities including a pool, outdoor grilling area, boat dock access, and onsite boat storage so you can dock and store your boat with ease. Conveniently located just 3-4 miles from the Gulf beaches and Destin, you'll be close to shopping, dining, and entertainment. The unit includes all appliances, in-unit laundry plus community laundromat access, and recent updates including a new HVAC, hot water heater, and back sliding door. Perfect as a primary home, vacation getaway, or investment opportunity with strong future potential!
#1002489

Fort Walton Beach

210 Pelham Road 113A

2 Beds

2 Baths

1,025 Sq.Ft.

$125,000

MLS#: 1002489

Low-maintenance living with exceptionally low monthly costs--this is the kind of home that just makes sense. Walk in to high ceilings and modern 2 panel doors that give off a grand vibe! Enjoy breakfast at your new eat-in kitchen bar and relax by the firepit in the evening. Granite, shaker style cabinets, laminate vinyl plank flooring throughout AND a durable metal roof ensure that you will not be spending your weekends on projects or lawn maintenance.
#1002153

Valparaiso

103 Penny Lane

2 Beds

2 Baths

1,012 Sq.Ft.

$292,000

MLS#: 1002153

The kitchen features an exquisite granite island and countertops, ample cabinet and counter space, and stainless-steel appliances. The private balcony can be accessed from the living room and both bedrooms, making it perfect for entertaining or relaxing at the end of the perfect beach day. The primary suite serves as a true sanctuary, complete with an en-suite bathroom featuring a garden bathtub, a separate shower, and walk-in closet. The nice sized guest bedroom also has an ensuite bathroom offering privacy and convenience for family members or guests. Updates include refrigerator, washer, & dryer 2024, HVAC and water heater replaced 2022, and the shower has been retiled. This second-floor unit overlooks the courtyard, and is situated steps from the parking garage, no elevator or stairs needed to access your home. Island Reserve is an exclusive gated resort community offering top-notch amenities, including a luxurious one-acre resort-style lagoon pool, state-of-the-art fitness facilities, billiard and game rooms, a media center with a 100'' theater screen, basketball, and pickleball courts. The courtyards surrounded by lush landscaping and strategically placed benches to ensure maximum enjoyment. The community in centrally located close to popular attractions, dining and shopping options, as well as the stunning Gulfs white sandy beaches and emerald, blue green waters. Don't let this incredible property slip through your fingers! Why wait? Schedule a tour today and see for yourself the amazing lifestyle you could enjoy--reach out to a realtor now to make it yours. All information is approximate and should be verified by the buyer if deemed important.
#789501

Panama City Beach

8700 Front Beach Road 6202

2 Beds

2 Baths

1,325 Sq.Ft.

$269,000

MLS#: 789501

72 hour kick out clause in place. New HVAC, no HOA, and a location just minutes from the Gulf beaches make this home stand out from the moment you arrive. Situated in a quiet, established neighborhood filled with long-term residents, this property offers the kind of privacy, stability, and convenience that's becoming increasingly difficult to find in the Panama City Beach area. Inside, the home features soaring ceilings, abundant natural light, and an open, airy layout designed for both everyday comfort and entertaining. The spacious living areas flow seamlessly into the kitchen and outdoor spaces, creating a home that feels both functional and inviting. The home also includes a solar panel system that will be fully paid off by the seller at closing, allowing the new owner to enjoy the long-term energy savings. New HVAC, no HOA, and a location just minutes from the Gulf beaches make this home stand out from the moment you arrive. Situated in a quiet, established neighborhood filled with long-term residents, this property offers the kind of privacy, stability, and convenience that's becoming increasingly difficult to find in the Panama City Beach area. Inside, the home features soaring ceilings, abundant natural light, and an open, airy layout designed for both everyday comfort and entertaining. The spacious living areas flow seamlessly into the kitchen and outdoor spaces, creating a home that feels both functional and inviting. The home also includes a solar panel system that will be fully paid off by the seller at closing, allowing the new owner to enjoy the long-term energy savings and efficiency benefits without taking on the remaining balance. A transferable warranty adds even more value and peace of mind. In addition, the HVAC system was replaced in September 2025, as well as an incoming new water heater expected to be installed by May 15, 2026, providing reliable comfort for years to come. The outdoor living space is equally impressive. A fully fenced backyard with a dedicated dog run makes it ideal for pets and families, while the screened-in porch and oversized covered deck create the perfect setting for relaxing evenings, weekend cookouts, or entertaining guests year-round. The built-in irrigation system helps keep the landscaping looking its best with minimal effort. Location is another major highlight. The home is within walking distance of Scott Field Park and only a short golf cart ride to Frank Brown Park and Pier Park, giving you quick access to restaurants, shopping, entertainment, and community events. And of course, the white-sand beaches and emerald waters of the Gulf are just minutes away, making beach days easy and convenient. Additional upgrades, including the epoxy-coated garage floor and updated kitchen backsplash, add a clean, polished finish to this well-maintained, move-in-ready home. Combining smart upgrades, energy efficiency, outdoor living, and an unbeatable coastal location, this property offers a lifestyle perfectly suited for both full-time living and weekend escapes.
#1002577

Panama City Beach

163 Heather Drive

4 Beds

2 Baths

1,752 Sq.Ft.

$469,000

MLS#: 1002577

New construction by Fischer Homes in the beautiful Salt Grass at Ward Creek community, featuring the stunning Ivy design. This unique plan offers 4 bedrooms, 3 full and 1 half baths. The expansive family room is the perfect gathering space. Spacious open kitchen with a large island and walk-in pantry connects to the morning room that walks out to the covered patio. Private study off entry foyer. The owner's suite features a large private bath and oversized walk-in closet. Upper level features 3 additional bedrooms, 2 full bathrooms and loft area. The spacious 2-bay garage completes this exceptional home.
#789528

Panama City Beach

852 Millbridge Drive

4 Beds

3 Baths

2,843 Sq.Ft.

$656,530

MLS#: 789528

Seller is motivated 4BR/2.5BA ranch home in Palmetto Trace with pond frontage, community pool access, and a convenient Panama City Beach location near shopping, dining, and the beach. Built in 2006, this single-level home offers approximately 2,425 square feet under roof with an open living area, tile flooring throughout with carpted bedrooms, crown molding, 9 foot ceilings, and abundant natural light. Carpet just replaced in the bedroom staged as an office. The kitchen features a breakfast bar, pantry, and included appliances. The primary suite includes a walk-in closet and double vanity bath. Enjoy a covered patio, spacious backyard with pond views, and a 2-car attached garage. Palmetto Trace amenities include a community pool and sidewalks throughout the neighborhood.
#1002548

Panama City Beach

231 Middleburg Drive

4 Beds

2 Baths

2,425 Sq.Ft.

$484,900

MLS#: 1002548

First Floor 2 bedroom 2 Bath Condo located only a few short blocks from the BEACH. This unit offers upgraded Hurricane rated impact windows and LVP flooring. Sold Fully Furnished and Rental Ready. Crystal Village offers 2 community pools (One seasonally heated), bike storage, and a community room. Put your flip flops on, grab your snorkel, and head down to check out the dolphin shaped artificial reef located at the Regional Miramar Beach Public Beach access. Short term rentals Allowed. Pet friendly for owners. 2022 A/C 2020 water heater.
#1002522

Miramar Beach

285 Payne Street UNIT 9A

2 Beds

2 Baths

944 Sq.Ft.

$360,000

MLS#: 1002522

This charming 3 bedroom 2.5 bath house, located in the desirable Driftwood Estates area is available for immediate occupancy. The open floor plan includes a loft area upstairs that can be used as bonus living space. The kitchen offers ample cabinet space, stainless steel appliances and seating for 4 at the counter. A half bath and the master bedroom finish out the first floor, while the master bath has a separate shower and a jetted tub. Along with the upstairs loft two bedrooms and a shared bath complete the second level. The entire house has fresh paint and landscaping, and the backyard is partially fenced and has a spacious patio. This home provides ample parking with a large driveway and a two car garage. There is a bonus refrigerator in the garages as well for added convenienc
#849680

Santa Rosa Beach

113 Red Maple Court

3 Beds

2 Baths

2,347 Sq.Ft.

$2,695

MLS#: 849680

PRICED TO SELL!!! Sellers offering $50,000 toward closing costs! Luxury gulf view home in La Valencia Beach Resort. Experience luxury coastal living in this exceptional three-story home in the gated community of La Valencia Beach Resort on the west end of Panama City Beach. Offering Gulf views, deeded beach access, resort-style amenities, and an elevator servicing all three levels, this thoughtfully designed residence is ideal as a primary home, second home or beach rental retreat. Located just minutes from the renowned 30A beaches, you'll enjoy convenient access to award-winning restaurants, boutique shopping and the best of the Florida's Emerald Coast. Designed with entertaining and multigenerational living in mind, the home features three separate living areas, two kitchenettes, two spacious primary suites, and a charming bunk room for additional guests. the third floor serves as the heart of the home with an open concept living and dining area, a chef's kitchen featuring lime oak flooring, a six-burner gas range, a large center island and wet bar. Step onto the expansive covered porch to take in beautiful Gulf views while enjoying your morning coffee or evening sunset. Outdoor living is equally impressive with a custom outdoor kitchen, Solo firepit, peaceful green space, a 3-car garage, dedicated golf cart garage, and driveway parking for up to six additional vehicles. Residents enjoy deeded beach access, a Gulf-front community pool, & private owners-only pool. Highlights: 2 primary suites, 3 living areas, elevator, 3 car garage and golf cart garage, don't miss this great home! Enjoy the video and 360 photos to view this gorgeous home, the gulf front pool with deeded beach access, owners' only pool, tennis courts, and pickleball courts. The driveway will accommodate 6 cars in addition to the 3 car garage space!
#981632

Panama City Beach

235 La Valencia Circle

4 Beds

5 Baths

4,553 Sq.Ft.

$2,690,000

MLS#: 981632

The charming Rivers Cove community offers residents use of it's gorgeous Community Pool, Community Room and Playground. The ''Sullivan'' plan is a cozy cottage style home with no wasted space, a desirable open design for relaxed living. A stylish 4 bedroom, 2 bath home, plus a large storage room. Easy care beautiful wood look flooring, delightful kitchen with stainless appliances, quiet dishwasher, smooth top range, built in microwave and pantry. Also included is Fabric hurricane door/window protection and a Smart Home 'Connect' system with several convenient Smart Home Devices. ALL LISTING pictures, colors, features, and size may vary. Square footages are approximate.
#1002501

Milton

6541 Firefly Drive

4 Beds

2 Baths

1,439 Sq.Ft.

$249,900

MLS#: 1002501

MID JUNE COMPLETION - ALL BRICK - So conveniently located near schools/shopping/etc. McCarthy Estates S/D has one beautiful street for these all-brick homes featuring raised ceilings, luxury vinyl plank flooring in common areas, carpet in bedrooms. Ceiling fans throughout, quartz countertops, recessed lighting. The 'Carter' plan features open family/dining/kitchen area. Work island w/bar seating, corner pantry, large laundry room, rear patio for relaxing. Garage is finished; yard is fully landscaped. Seller will contribute up to $15,000 toward buyers closing costs/prepaids/rate buydown (call for details). Photos of similar completed home, elevation, interior/exterior finishes will vary.
#1000383

DeFuniak Springs

91 Spooner Street

3 Beds

2 Baths

1,295 Sq.Ft.

$245,000

MLS#: 1000383

This beautifully updated 1BR/2BA bayside corner unit in Pelican at Destin West offers a rare feature not available with interior units: a private second balcony off the bedroom with elevated Gulf views! Inside you'll find all new paint, fresh furnishings, and stylish upgrades: new bedroom furniture with lamps, new couch & chair, coffee table, bar stools, entertainment center, ceiling fan, artwork, and bedroom TV. Relax on the main balcony with all new Polywood patio furniture and views of both the Bay and waterpark! Full resort amenities include the famous waterpark featuring a lazy river, multiple pools (both Bayside & Gulfside), hot tubs, marina, fishing pier, and skybridge to beach access. Fully equipped for guests, this rental-ready condo offers comfort, style, and a prime location!
#1002245

Fort Walton Beach

1322 SE Miracle Strip Parkway Unit 608

1 Beds

2 Baths

971 Sq.Ft.

$449,000

MLS#: 1002245

Welcome to 254 Eden Drive in Point Washington - a hidden gem where refined coastal living meets privacy, flexibility, and exceptional outdoor potential. Positioned on an oversized 0.28-acre homesite in a quiet, low-traffic enclave, this custom-built estate offers expansive luxury living minutes from Scenic Highway 30A, the bay, state parks, dining, shopping, and the sugar-white sand Gulf beaches - with no HOA and Flood Zone X designation, meaning no required flood insurance. Less than half a mile from the public bay launch on Choctawhatchee Bay and moments from Eden Gardens State Park, the home is ideally positioned for those who value boating, biking, and nature while remaining close to Seaside, Grayton Beach, WaterColor, restaurants, and shopping. Spanning approximately 5,300 square feet, the residence showcases coastal modern architecture paired with exceptional craftsmanship and high-performance construction. A steel beam structural design creates an expansive open-concept floor plan that flows between the kitchen, dining, and living spaces. Soaring 12-foot ceilings on the main level, 10-foot ceilings upstairs, custom mahogany double entry doors, and solid white oak flooring throughout the main home and carriage house establish warmth and sophistication. The main living area centers around a beautiful 66-inch linear gas fireplace wrapped in floor-to-ceiling carved stone with designer lighting throughout. Full spray foam encapsulation, upgraded... soundproofing, three high-efficiency HVAC systems, tankless water heaters, fiber internet, whole-home data wiring, and smart-ready infrastructure provide comfort and efficiency. The chef's kitchen features custom white oak and painted cabinetry, natural stone countertops, a substantial island, and a fully appointed butler's pantry with coffee bar and prep sink. Professional-grade Thermador appliances include a 48-inch gas range, double wall ovens, built-in refrigerator and freezer with paneling, dishwasher, pot filler, and filtered water faucet. The primary suite offers vaulted white oak beam details, patio access, and a spa-inspired bath with a freestanding stone soaking tub, dual rain-head showers, dual vanities, heated bidet toilet seat, and an oversized custom walk-in closet. Upstairs features a vaulted game loft, media-ready bonus room, guest suites with ensuite baths, and a dedicated fitness room structurally reinforced for equipment. Theater prewiring, integrated audio zones, and camera-ready wiring further enhance functionality. A true standout is the fully independent carriage house complete with a private entrance, full Bosch kitchen, living area, laundry, and luxurious suite - ideal for multigenerational living, guests, private office use, or rental income. Outdoor living is where the property truly distinguishes itself. The covered shell stone patio, outdoor kitchen, beverage refrigerator, outdoor shower, and gathering spaces flow into a fully fenced, pool-ready backyard with room for a custom pool and spa, putting green, garden, or gazebo. An oversized truck-and-boat garage, additional single-car garage, circular drive, and ample storage complete the lifestyle experience -- making spontaneous bay days effortless. This exceptional home offers timeless design, superior craftsmanship, and the ability to personalize select finishes and backyard design. Don't miss the opportunity to make this home your own. Photo renderings are for illustrative purposes; final design details and finishes may vary and should be confirmed with the builder.
#1001943

Point Washington

254 Eden Drive

5 Beds

6 Baths

5,299 Sq.Ft.

$2,500,000

MLS#: 1001943

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