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Lakefront living on beautiful Payne Lake. Situated on 1.45 private acres just outside Chipley, this waterfront property offers privacy and peaceful country living with Panama City, the Gulf Coast, and Tyndall Air Force Base all within an easy drive. The open floor plan is filled with natural light and features expansive windows overlooking the lake. The spacious kitchen connects to the living and dining areas, making it ideal for everyday living and entertaining. Outside, a large deck shaded by mature oak trees provides the perfect place to enjoy the view, whether you're having morning coffee or watching the sunset. Spend your days fishing, kayaking, paddleboarding, or enjoying the wildlife right from your backyard. A separate efficiency mother-in-law suite with its own private entrance, kitchenette, and full bath offers flexibility for guests, multi-generational living, or rental income. Also, could be perfect for a shop and man cave or she shed. With no HOA and plenty of room for boats, RVs, hobbies, gardens, or future expansion, this property offers the space and freedom to enjoy lakefront living.
#793626

Chipley

3783 Payne Lake Road

5 Beds

4 Baths

3,100 Sq.Ft.

$400,000

MLS#: 793626

Welcome home to easy, coastal living! This beautiful, pristine one-story townhome has received tons of high cost upgrades to offer you the perfect package of convenience, and value! The best part is, there is NO HOA!!! Step inside to discover what everyday affordable living feels like - at an elevated level. Freshly painted walls, new carpet in the bedrooms, all new stainless-steel appliances, including a Bosch dishwasher, new countertops, lighting, PLUS so much more! A brand-new roof was just installed last year with added insulation and a reflective energy-saving barrier, to help keep utility costs down year-round. You will also love the peace of mind that comes along with all new impact windows and doors, which not only enhances safety but may help reduce insurance costs, which is a big win for Florida homeowners. Conveniently located to the beaches, bases and just under 2 miles to Hurlburt Field. Everything you need for work and play is just minutes away. This home truly checks off all the boxes! Whether you're looking for a primary home, a low-maintenance lifestyle, or a smart investment, this one is a must-see!
#1009279

Mary Esther

108 Andalusia Road

3 Beds

2 Baths

1,320 Sq.Ft.

$299,000

MLS#: 1009279

Looking for a neighborhood that has water access to the Choctawhatchee Bay? Look within Waterview Cove. This is the only 4bed 3 full bath home available here. New Roof March 2026. Situated over half an acre, this thoughtfully designed home offers approximately 2,600 square feet of comfortable living space with soaring 10-foot ceilings, fresh interior paint, and brand new carpet in all bedrooms. The flexible floor plan features two spacious living areas, a cozy fireplace, a formal dining room that can also serve as a home office, and an additional dining area adjacent to the large kitchen. The kitchen is designed for both everyday living and entertaining, Featuring granite countertops, a breakfast bar, abundant cabinetry, and a generous walk-in pantry. The private primary suite includes a large walk-in closet and a luxurious ensuite bath with double vanities, a separate shower, and a relaxing corner whirlpool tub. Three additional bedrooms and two full bathrooms provide ample space for family and guests. Step outside to enjoy the covered front porch and covered rear patio, with multiple access points including a private entrance from the primary bedroom. The fully fenced backyard offers plenty of room for outdoor activities, gardening, or pets, and the existing garden containers will convey with the property. Additional highlights include a dedicated laundry room, attached side-entry two-car garage, oversized driveway with parking for multiple vehicles, continue... wood and tile flooring throughout the main living areas, bathrooms and laundry room. Conveniently located near Freeport's growing amenities, schools, and the Emerald Coast's beautiful beaches, this home combines generous living space, quality finishes, and a desirable location with picturesque water views. Seller has already had the city requirement of hooking up to the public sewer and water system completed and paid tap fee.
#1008881

Freeport

376 WATERVIEW COVE Drive

4 Beds

3 Baths

2,584 Sq.Ft.

$499,000

MLS#: 1008881

Welcome to 3058 Zach Ave, where fresh updates, generous living spaces, and a peaceful setting come together. Seller offering $10,000 in buyer closing cost assistance! Freshly painted and move-in ready, this 4-bedroom, 2-bath brick home is located in desirable Lake Arthur Estates and offers the perfect blend of privacy and convenience. Situated on a spacious 0.63-acre lot, the home is set back from the road and backs to HOA-owned wooded property, creating a peaceful backdrop to enjoy year-round. The fenced backyard provides plenty of outdoor space, while the side-entry garage enhances both curb appeal and functionality. Residents of Lake Arthur Estates enjoy neighborhood amenities including a scenic lake, playground, basketball court, and picnic pavilion. Don't miss the opportunity to make this beautiful property your next home! Lake Arthur Estates also offers outstanding neighborhood amenities, including a scenic lake, basketball court, playground, and pavilion with picnic tables, providing additional opportunities to enjoy the outdoors just minutes from your front door. If you're looking for a move-in-ready home with fresh updates, spacious living areas, a large private lot, and exceptional neighborhood amenities, 3058 Zach Ave deserves a spot at the top of your list. Schedule your private showing today!
#1008837

Crestview

3058 Zach Avenue

4 Beds

2 Baths

1,877 Sq.Ft.

$335,000

MLS#: 1008837

Welcome to 831 Coldwater Circle where every day feels like a retreat. This beautifully maintained custom home offers the perfect blend of comfort, flexibility, and the Emerald Coast lifestyle you've been dreaming of. The main home features 2 bedrooms and 2 baths, while the private 1 bedroom, 1 bath casita is ideal for guests, multigenerational living, a home office, or added income potential. Spend your afternoons cooling off in the wading pool, enjoy peaceful mornings with coffee in your private backyard, and take evening walks through one of Niceville's most loved neighborhoods filled with bike riders, friendly neighbors, and dog walkers. Just minutes from Eglin Air Force Base, Naval School EOD, top rated schools, and the sugar-white beaches of Destin, you'll enjoy the best of the Emerald Coast without the everyday traffic. Whether you're looking for a forever home, a weekend escape, or a smart investment, 831 Coldwater Circle is more than a home it's a lifestyle waiting to be lived.
#1009264

Niceville

831 Coldwater Creek Circle

3 Beds

3 Baths

2,481 Sq.Ft.

$650,000

MLS#: 1009264

MAKE A LABOR DAY DEAL and live 25 mins from the beach. This open-plan, move-in ready home in the highly sought-after Hammock Bay has everything! Features granite countertops in the kitchen and all baths, stainless steel appliances and an updated custom luxury Master bath! Crown molding and shiplap accents in the entry, family room, and mst bedroom create a warm, custom feel, while hardwood floors in all common areas and tile in the baths and utility room offer both style and durability. A total of 4 bedrooms and a very spacious living area gives your family plenty of space to raise your family. Outside, enjoy a fully fenced backyard, full irrigation system, gas hot water heater, gas stub-out for grilling, and an attached two-car garage. Also pre-wired for Tesla/EV. Hammock Bay means resort-style amenities at your doorstep. Residents enjoy multiple resort-style pools, grills, 2 fitness centers with 24/7 style access, tennis, pickleball, and basketball courts, plus scenic sidewalks and trails for walking and biking. The on-site Freeport Regional Sports Complex offers baseball & softball fields, batting cages, football, and soccer fields, along w/ additional courts and walking paths for active families. The vibrant Town Center hosts regular community events, outdoor movies on the big screen, food and drinks at local spots, and a popular monthly farmers market, so there is always something to do close to home. Live the Gulf Coast lifestyle in one of Freeport's premier community!
#1009215

Freeport

400 Lilly Bell Lane

4 Beds

2 Baths

2,277 Sq.Ft.

$419,000

MLS#: 1009215

SELLER NOW OFFERING $10,000 IN BUYER INCENTIVES! Seller is offering up to $10,000 toward Buyer's closing costs, interest rate buy-down, and/or other allowable expenses -- PLUS a one-year home warranty! Take advantage of these valuable incentives and make your move with less out-of-pocket expense at closing! Welcome to 12815 Merial Pass, a two-story brick home located in Phase I of the highly sought-after gated Lake Merial community, where timeless architecture, spacious living, and resort-style outdoor amenities come together to create an exceptional place to call home. Situated on a nearly half-acre corner lot with picturesque views of beautiful spring-fed Lake Merial, this impressive residence offers approximately 3,199 heated and cooled square feet, including 4 bedrooms, 3.5 bathrooms, and a spacious upstairs bonus room that could easily serve as a fifth bedroom, media room, playroom, or home office. Built in 2014, this home offers outstanding curb appeal with its classic brick exterior, dimensional shingle roof, manicured landscaping, and fenced backyard. Inside, you'll find a thoughtfully designed floor plan featuring approximately 2,304 square feet on the main level and an additional 895 square feet upstairs. Step through the front door into an inviting foyer, where a formal dining room welcomes guests on one side and a dedicated home office sits on the other. Throughout the home, elegant crown molding, neutral finishes, engineered hardwood flooring, luxury vinyl plank flooring in the downstairs bedrooms, and ceiling fans in every bedroom create a warm yet sophisticated atmosphere. The spacious living room features beautiful tray ceilings and flows seamlessly into the open-concept kitchen, making it the perfect gathering place for family and friends. Designed with both function and style in mind, the kitchen offers abundant cabinetry, generous countertop space, and updated appliances, including a stove and dishwasher that are approximately two years old and a refrigerator that is approximately three years old. Just off the kitchen, a convenient half bath provides easy access for guests. The primary suite serves as a relaxing retreat, complete with a tray ceiling and a well-appointed ensuite bathroom featuring dual vanities, a soaking garden tub, separate walk-in shower, and spacious walk-in closet. Step outside and discover a backyard designed for enjoying the Florida lifestyle year-round. Installed in 2022, the saltwater pool and attached hot tub create an incredible outdoor oasis for relaxing or entertaining. The pool is equipped with both a heater and chiller, allowing you to comfortably enjoy the water throughout every season. The fully fenced backyard also includes a storage shed, while a newer irrigation well helps efficiently maintain the lawn and landscaping while reducing water costs. Comfort is maintained throughout the home with dual HVAC systems, allowing separate climate control for both the upstairs and downstairs living areas. Upstairs you'll find a massive bonus room that offers endless possibilities and could easily function as a fifth bedroom, game room, media room, fitness space, or additional family room. An additional upstairs bedroom and full bathroom make this level ideal for guests, teenagers, or multigenerational living. Living in Lake Merial means more than simply owning a beautiful home, it is embracing an exceptional lifestyle. Residents enjoy access to the community's stunning 300-acre spring-fed lake, where kayaking, paddleboarding, fishing, and electric-powered boating create endless opportunities for outdoor recreation. Three community lake access areas make enjoying the water effortless, while scenic walking trails, green spaces, food truck nights, neighborhood events, holiday celebrations, and golf cart-friendly streets foster a true sense of community unlike anywhere else in Bay County. If you've been searching for a home that combines generous living space, timeless construction, resort-style outdoor amenities, beautiful lake views, and one of Bay County's most desirable gated communities, this exceptional Lake Merial property is one you won't want to miss. Schedule your private showing today.
#793614

Panama City

12815 Merial Pass

5 Beds

3 Baths

3,199 Sq.Ft.

$635,000

MLS#: 793614

SELLERS NOW OFFERING $5K TOWARDS BUYERS CLOSING COSTS, PREPAIDS OR RATE BUY DOW!! Welcome to 97 Campfire Cove in the highly sought-after The Trails, Hammock Bay community, where modern design, thoughtful upgrades, and resort-style amenities come together in one exceptional home. Built in 2023, this spacious 4-bedroom, 3-bath home DSLD Renoir, offers over 2,600 square feet of beautifully designed living space, including a versatile flex room that is perfect for a home office, playroom, or media room. The open-concept floor plan is ideal for entertaining, featuring a large kitchen island, walk-in pantry, gas range, abundant cabinetry, and a seamless flow into the living and dining areas. The private primary suite is a true retreat with a luxurious ensuite bath featuring a custom tiled shower, soaking tub, dual vanities, and an oversized walk-in closet. Spacious secondary bedrooms offer generous closets and plenty of room for family or guests. Step outside and enjoy one of this home's standout features: an extended brick paver patio overlooking a fully fenced backyard with a privacy fence, creating the perfect setting for relaxing evenings, weekend barbecues, or letting pets and children play safely. Additional highlights include: Whole House Generac Generator and SImply Safe Security System Gas fireplace Tankless water heater Covered back patio Extended brick paver patio Privacy-fenced backyard Side-entry two-car garage Mudroom with built-in drop zone Crown molding, recessed lighting, and designer finishes throughout Energy-efficient construction. Living in Hammock Bay means enjoying an unmatched lifestyle with resort-style pools, a fitness center, tennis and pickleball courts, walking trails, playgrounds, sports fields, a bayfront clubhouse and dock, and year-round community events. Including Bi-monthly Farmer's Market, Friday Night Movie Nights for the kids, 4th of July Bike Parade and Fireworks at the City Park, Pumpkin Patch, Santa Visit, Easter Egg Drop/Easter Bunny and year-round LIVE Bands, Trivia Nights, Dueling Pianos, Wrestling, Painting Parties- AND SO MUCH MORE!!!! This home combines today's most sought-after features with the incredible lifestyle that makes Hammock Bay one of Freeport's premier communities. Don't miss your opportunity to own this move-in-ready home at 97 Campfire Cove. Schedule your private showing!
#1009246

Freeport

97 Campfire Cove

4 Beds

3 Baths

2,606 Sq.Ft.

$549,000

MLS#: 1009246

Stunning Romair Construction in the Greenway section of Watersound Origins, offering over 4,600 sq. ft. of inspired living. This beautifully appointed 5-bedroom, 5 full baths and 2 half baths home is located on a cul-de-sac street with sweeping views across three holes of the Watersound Origins Par-3 golf course. Dramatic 12' first-floor ceilings and transom windows flood the interior with light while premium finishes and an open, entertainer-focused layout create effortless flow from room to room. Outside, resort-style amenities include a pool, spa, outdoor summer kitchen and a cabana with a fireplace that perfectly frames the views. A 603-sq. ft. carriage house suite above the two-car garage provides flexible guest living. Homes of this scale and setting are rare!! Key Features & Upgrades: - Over 4,600 sq. ft. | 5 BR | 5.5 BA - Located on a cul-de-sac street overlooking Watersound Origins Par-3 holes - 12' ceilings on first floor with transom windows - Resort-style outdoor living: pool, spa, summer kitchen, cabana with fireplace - 603-sq. ft. carriage house suite above garage -- ideal guest space - Custom built-ins throughout - Ubiquiti UniFi professional home network with high-definition security cameras - Indoor/outdoor Sonos system with 4 amps, soundbars and subwoofers - Extra storage off carriage stairwell in garage - 12V outdoor lighting system installed - Lutron whole-home networked lighting system Don't miss this rare opportunity to own a show-stopping Romair residence in Watersound Origins -- with unparalleled convenience for quick access to shopping and front-of-community amenities, schedule your private tour today and experience firsthand the scale, finishes, and sweeping golf-course views that set this home apart.
#1008975

Inlet Beach

566 Cannonball Lane

5 Beds

5 Baths

4,660 Sq.Ft.

$3,995,000

MLS#: 1008975

COMPLETELY RENOVATED AND LOW FLOOR condo now available at Splash! This desirable 4th floor was renovated from top to bottom in 2023! New floors, new cabinets, new walk-in showers, new appliances and more! Hot water heater and washer & dryer replaced last year... so everything is all done for you - just bring your swim suit and be ready to relax! Offered fully furnished and turnkey ready for your next rental investment! This perfect location on the 4th floor allows you to take advantage of the gorgeous beach and sunset views, but still a low floor if you don't want to worry about an elevator. This one bedroom WITH BUNK has 2 full baths and sleeps 6, making it an ideal condominium rental. The inviting coastal decor welcomes you for fun and frolicking or relaxing and unwinding on the the beautiful white sandy beaches. Splash is a true resort on the beach, with over 400 feet of gulf frontage! Come enjoy the fabulous amenities Splash has to offer including the popular kids waterpark with a lazy river, splash pads, a water bucket playground, 2 pools (one heated in winter!), jacuzzi, a beach bar and grill, snack and coffee shop, BBQ grills to grill on your own, state-of-the-art fitness center, and right next to Alvins Island Beach Shop for anything else you may need at the beach! Parking is never an issue, lots of parking spaces and just a short walk over to your COVERED parking garage. Enjoy your amazing location on the west end of beautiful Panama City Beach, the perfect spot just between 30A and Pier Park to take advantage of all the shopping, dining, activities and entertainment opportunities. Call today to make this your new investment rental or new home at the beach!
#994161

Panama City Beach

17729 Front Beach Road 405E

1 Beds

2 Baths

891 Sq.Ft.

$465,000

MLS#: 994161

Charming ground floor CORNER/END condo with expansive lake views! The coastal inspired interior is light & bright with LVP throughout. Shiplap accents, quartz counters stainless steel appliances, plantation shutters and high 10' ceilings. Relax and enjoy the large covered deck with panoramic views of Crystal Lake. Crystal Cove just underwent a complete exterior remodel with all new landscaping, updated decks and exterior painting. This community also offers separate golf cart parking with station offering its own charging and wash station. Meticulously maintained with a new (2025) A/C, hot water tank (2023). Offered mostly furnished and move in ready! Sandestin Golf and Beach Resort features more than seven miles of beaches and pristine bay front, four championship golf courses, 15 world-class tennis courts, pickleball courts, 108 catch and release ponds stocked with bass (no fishing license required), a 226-slip marina, a fitness center, spa and celebrity chef dining. Shop, dine and play at the charming pedestrian village, The Village of Baytowne Wharf and more. Inside the gates of the resort, residents of the 72 distinctly different neighborhoods enjoy a balanced lifestyle of high-class living, spanning 2,400 acres from the beach to the bay. There are just over 4600 properties within the gates which offer 24 hrs./day gated security. Everything within the gates of the resort is accessible by golf cart or bicycle. The entire resort is interconnected by miles of pedestrian, bike and golf cart paths that weave through groves of live oaks, meandering past natural lagoons, fountains, man-made lakes, and meticulously landscaped fairways. Just beyond the gates, Grand Blvd with its weekly farmers market, varied events and superb section of dining and shopping is readily accessible by golf cart. The Market Shops, on the south side of highway 98, boasting more dining and shopping choices, is easily accessible utilizing the tunnel beneath Hwy 98
#1009219

Miramar Beach

2242 Crystal Cove Lane 2242

2 Beds

2 Baths

1,180 Sq.Ft.

$535,000

MLS#: 1009219

Build your dream beach home on this beautifully situated lot just across the street from the Gulf. Prime location with possible dreamy panoramic Gulf views. Enjoy a day relaxing on the beach as the pristine waves wash up over your feet and then when after enjoying a picture perfect sunset retreat to your tropical oasis. This is a rare opportunity to own a beach view lot and have your personal residence or a vacation rental machine. There is a small house on the lot. This prized piece is close to 30A and Pier Park and won't last long.
#793625

Panama City Beach

21224 Front Beach Road

2 Beds

1 Baths

804 Sq.Ft.

$1,100,000

MLS#: 793625

$1000 of 1st months rent with dock/water access. This charming 3-bedroom, 2.5-bathroom townhouse offers the perfect blend of comfort and convenience! Nestled in the heart of Niceville, tucked away in the Rocky Bayou, it's the perfect place for someone who loves being on the water! This townhome provides a brand-new dock, giving you direct access to the water where you can enjoy boating, fishing, paddle boarding and more! Fresh paint throughout, enjoy the open concept floor plan, plenty of kitchen cabinet storage and stainless-steel appliances. You can't beat this location, centralized to Eglin & the EOD school house, restaurants, top rated schools, shopping and the beautiful beaches. Washer/dryer and TV's included.
#1009228

Niceville

1819 Valparaiso Boulevard

3 Beds

2 Baths

1,317 Sq.Ft.

$2,400

MLS#: 1009228

Welcome to this exceptional waterfront property located in Panama City, offering a unique blend of comfort, convenience, and coastal living. This home features a spacious circular driveway providing plenty of parking and a welcoming entrance. Enjoy the convenience of a 3-car garage with ample space for vehicles, storage, and hobbies. Outdoor living takes center stage with a private deck overlooking the water, creating the perfect setting for relaxing, entertaining, or enjoying beautiful Florida sunsets. The private boat dock provides easy access for boating enthusiasts and those looking to embrace the waterfront lifestyle. With its desirable location, impressive outdoor features, and thoughtful amenities, this property offers a rare opportunity to enjoy the best of Panama City living. Don't miss the chance to make this waterfront retreat your own.
#793604

Panama City

2402 E 2nd Court

5 Beds

5 Baths

4,419 Sq.Ft.

$575,000

MLS#: 793604

Lakefront living on beautiful Payne Lake. Situated on 1.45 private acres just outside Chipley, this waterfront property offers privacy and peaceful country living with Panama City, the Gulf Coast, and Tyndall Air Force Base all within an easy drive. The open floor plan is filled with natural light and features expansive windows overlooking the lake. The spacious kitchen connects to the living and dining areas, making it ideal for everyday living and entertaining. Outside, a large deck shaded by mature oak trees provides the perfect place to enjoy the view, whether you're having morning coffee or watching the sunset. Spend your days fishing, kayaking, paddleboarding, or enjoying the wildlife right from your backyard. A separate efficiency mother-in-law suite with its own private entrance, kitchenette, and full bath offers flexibility for guests, multi-generational living, or rental income. Also, could be perfect for a shop and man cave or she shed. With no HOA and plenty of room for boats, RVs, hobbies, gardens, or future expansion, this property offers the space and freedom to enjoy lakefront living.
#1009273

Chipley

3783 Payne Lake Road

5 Beds

4 Baths

3,100 Sq.Ft.

$400,000

MLS#: 1009273

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