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ST ANDREWS community

ST ANDREWS Real Estate

Explore properties and local insights in ST ANDREWS.

About ST ANDREWS

About ST ANDREWS

Discover St. Andrews in Panama City Beach, Florida

St. Andrews in Panama City Beach (PCB), Florida, is a hidden gem beloved by locals and visitors alike. With its laid-back coastal vibe, historic charm, and vibrant arts scene, this neighborhood offers a unique experience away from the hustle and bustle of busier tourist spots.

Why Visit St. Andrews?

If you’re searching for an authentic Old Florida atmosphere and a tight-knit community, look no further than St. Andrews. Just minutes from the sugar-white beaches of Panama City Beach, this area offers a blend of history, natural beauty, and family-friendly activities.

Top Features of St. Andrews, PCB

  • Historic Downtown
    Stroll along Beck Avenue where you’ll find quaint boutiques, local art galleries, seafood restaurants, and lively pubs.

  • St. Andrews Marina
    This bustling marina is a hotspot for fishing charters, boat rentals, and sunset cruises.

  • Award-Winning Restaurants
    Enjoy fresh Gulf seafood at local favorites like Uncle Ernie’s Bayfront Grill and Hunt’s Oyster Bar.

  • St. Andrews State Park
    Located nearby, this pristine park offers kayaking, hiking trails, snorkeling, swimming, and bird-watching along the stunning Gulf coastline.

  • Farmers’ Market
    Every Saturday, the St. Andrews Waterfront Farmers’ Market brings together local artisans, fresh produce, and live music in a family-friendly atmosphere.

Things to Do in St. Andrews

  1. Explore the History
    Visit the Panama City Publishing Company Museum or embark on a walking tour of historic homes and landmarks.

  2. Enjoy Outdoor Activities
    From paddleboarding in Grand Lagoon to fishing off the pier, outdoor enthusiasts will find plenty to do.

  3. Attend Local Events
    Popular annual events include the St. Andrews Mardi Gras, ArtWalk, and the festive Holiday Boat Parade of Lights.

  4. Shop Local
    Discover handmade jewelry, antiques, and coastal decor at St. Andrews’ unique local shops.

Living in St. Andrews

St. Andrews is not just a place to visit—it’s also a wonderful place to live. Residents enjoy:

  • A walkable, friendly neighborhood
  • Regular community events and farmer’s markets
  • Top-rated schools and parks
  • Proximity to PCB beaches and amenities

How to Get to St. Andrews, Panama City Beach

Located just west of downtown Panama City, St. Andrews is easy to access from US Highway 98 or by boat via St. Andrews Bay. Downtown PCB, Pier Park, and other major attractions are just a quick drive away.

Plan Your Visit to St. Andrews

Whether you’re a foodie, a history buff, or a beach lover, St. Andrews in Panama City Beach, Florida is a must-see destination. Discover why so many return year after year to experience its charm and hospitality.

Ready to explore St. Andrews?
Find more information and up-to-date event listings at the official St. Andrews website.

ST ANDREWS community
14
# of Listings
2
Avg # of Bedrooms
$407
Avg. $ / Sq.Ft.
$1,187,064
Med. List Price

Homes for Sale in ST ANDREWS

All listings

Under $250,000

$250,000 - $500,000

$500,000 - $1M

$1M - $3M

$3M - $5M

Over $5M

14 Properties Found. Page 1 of 1.

BACK ON THE MARKET AND PRICED TO SELL! The most desirable large tract of land for development in Bay County, This 4.75 +/- acre site on Hwy 390 is cleared, high and dry, and perfectly positioned for retail, hospitality and many potential end users. Just east of Lisenby Ave., across from the Sweet Bay development, this offering features two adjacent parcels, (1330 and 1334 Hwy 390) with over 700 ft. of highway frontage. Contact your developers today, this is a dynamic opportunity.
#771014

Panama City

1330 W Highway 390

None Beds

None Baths

4.75 acres

$2,500,000

MLS#: 771014

Owners will divide! Desirable 4.2 acre property located on busy Hwy 77 in Panama City. There is 330' of road frontage on Hwy 77 with ingress and egress in two locations. Annual average daily traffic count is 30,098 vehicles. The property consists of two metal 60' x 60' retail buildings complete with finished interior space and covered warehouse storage. There is parking at each building and a driveway between. There is no direct cut in the median at this location, but the cut is very nearby so turning in from the opposite side of the road is fairly easy. The back portion of the property is vacant land except for a cement slab where an additional storage building used to be. The sellers retail business is not for sale only the buildings and property. The other business onsite is in a month to month lease. Please do not disturb these tenants. The property has a Panama City address but was annexed by the city of Lynn Haven, so utilities and taxes are through Lynn Haven. Lots of potential with this size lot for teardown and redevelopment as Office, Hotel, Retail, Restaurant, Multi-Family, etc. Sellers will consider owner financing with 20% - 25% down and a 5 year balloon.
#728820

Panama City

3407 S Highway 77

None Beds

None Baths

7,200 Sq.Ft.

$2,495,000

MLS#: 728820

Waterfront Development Opportunity with Entitlements in Place. Bay Breeze Shores is nestled along North Bay in the City of Lynn Haven. This waterfront property offers a rare opportunity for visionary developers and investors. With panoramic water views and wildlife to observe, promising a lifestyle of tranquility and privacy, making it an ideal site for creating an exclusive multifamily community. Conveniently located half a mile to Highway 77 for easy access to Downtown City of Lynn Haven's Restaurants and friendly parks, as well as 15 miles to Northwest Florida Beaches International Airport. Ride golf cart 1 mile to Leslie Porter Wayside Park byway of Bailey Bridge Fishing Pier, to enjoy a Beach-Like feel or bask in the beautiful Florida Sun. Amenities are endless. Dock & Seawall permits in place giving this community direct access to the Gulf. This property's unique location makes it suitable for various types of developments. Whether you envision an upscale residential community with waterfront access or a tranquil rental resort that attracts visitors seeking relaxation to enjoy the natural beauty Florida has to offer. Currently Zoned High Density Residential with an Approved Development Order for 38 units on 2.92 acres. There is an additional .82 acre Out-parcel available for expansion. Entire Property is High and Dry.
#777169

Panama City

1817 Bay Breeze Drive

None Beds

None Baths

2.94 acres

$2,495,000

MLS#: 777169

Multiple use commercial location with restaurant, mini warehouses, and residential rentals. DEVELOPMENT POTENTIAL MOTEL/GAS STATION/FAST FOOD. Starting on the corner of 4100 W. Hwy 98, and 1805 Grant Avenue. m330 ft. approx. on 98 by 232 approx. on Grant Avenue.
#743809

Panama City

4100 W Hwy 98

None Beds

None Baths

15,000 Sq.Ft.

$2,070,000

MLS#: 743809

REDUCED and READY FOR NEW DEVELOPMENT! One of the few large tracts of Commercial Land available on the 23rd St. corridor. With no height restriction and no wetlands, this site is also one of the few locations to bring in a high rise apartment, or number of commercial projects. GO SHOW and bring your offers.
#761036

Panama City

1046 W 23rd Street

None Beds

None Baths

1,000 Sq.Ft.

$1,400,000

MLS#: 761036

Desirable 2.1 acre property located on busy Hwy 77 in Panama City. This is being carved out of an original 4.2 acre property shown in the photos. There is 330' of road frontage on Hwy 77 with ingress and egress in two locations. Annual average daily traffic count is 30,098 vehicles. The property consists of one metal 60' x 60' retail building complete with finished interior space and covered warehouse storage. The building being sold is the one of the South side of the property or on the right in the photos. There is parking at the front of the building and an easement will be given to use the driveway to the other building. There is no direct cut in the median at this location, but the cut is very nearby so turning in from the opposite side of the road is fairly easy. The back portion of the property is vacant land. The retail business is not for sale only the building and property. The business onsite is in a month to month lease. Please don't disturb the tenants. The property has a Panama City address, but was annexed by the city of Lynn Haven so utilities and taxes are through City of Lynn Haven.
#752649

Panama City

3407 S Highway 77

None Beds

None Baths

3,600 Sq.Ft.

$1,300,000

MLS#: 752649

Welcome to luxury waterfront living in the highly sought-after Harbour Village at Historic St. Andrews! This exceptional 3-bedroom, 3.5-bath residence offers over 2,300 square feet of beautifully designed living space with breathtaking panoramic views of St. Andrews Bay. Step inside to discover an open, light-filled floor plan enhanced by impressive 10-foot ceilings, elegant tile plank flooring, a spacious living area, and a formal dining room designed for both everyday comfort and effortless entertaining. The expansive wraparound private balcony provides the perfect place to enjoy spectacular sunrises, evening sunsets, and peaceful waterfront breezes. The spacious primary suite is a true retreat, while each additional bedroom offers its own private bath, providing comfort and privacy for family and guests alike. This move-in-ready residence combines luxury finishes with a functional layout that makes coastal living easy. Harbour Village is a gated waterfront community offering resort-style amenities, including a sparkling pool, fitness center, clubhouse, grilling pavilion, beautifully landscaped grounds, fishing opportunities, elevators, and secure parking. Located just steps from Historic St. Andrews, you'll enjoy convenient access to waterfront restaurants, local shops, marinas, parks, and year-round entertainment. Whether you're searching for a full-time residence, second home, or upscale coastal retreat, Unit 510 offers an exceptional combination of luxury, location, space, and breathtaking bayfront views. Experience the best of Panama City waterfront living in one of the area's most desirable communities.
#793606

Panama City

3001 W 10th Street 510

3 Beds

3 Baths

2,321 Sq.Ft.

$909,000

MLS#: 793606

YOU can be looking at secluded Shell Island from your private retreat at Harbour Village - just steps from a waterfront park shaded by magnificent 100+ -year-old oak trees. Here, the beauty of St Andrews surrounds you, with the Marina, bay sunsets and Gulf waters creating a setting that feels worlds away while remaining connected to the character and charm of this historic community. Experience exceptional waterfront living in this beautifully upgraded 7th floor residence at Harbour Village. Everything you would expect in a luxury residence, including open living spaces with rich wood grain premium porcelain tile flooring throughout, granite countertops, upgraded windows & doors in 2020, custom lighting and designer ceiling fans, whole house dehumidifier, abundant custom storage cabinetry, a cozy gas fireplace, Allen & Roth closet system, and new LG washer & dryer. Two remote controlled Phantom sunscreens on the west-facing balcony provide comfort while you relax and enjoy the ever-changing waterfront scenery. Harbour Village is nestled in the heart of historic St Andrews. Step outside to visit the one-of-a-kind local shops, dine on seafood that swam in the Gulf just last night, and enjoy a way of life open only to a fortunate few . Watch local vessels and Intracoastal shipping cruise to and from the small St Andrews Marina or City Port. Enjoy a short boat trip to pristine Shell Island. Residence #713 is a desirable corner unit offering spectacular 270 degree panoramic views of unforgettable sunrises and sunsets. The location of the unit screens it from the bustle and noise of the nearby public Marina, the commercial businesses, and numerous popular eateries. Homeowners enjoy approximately 2 acres of beautifully landscaped gated rooftop garden above the parking garage, featuring gas grills, walking paths, and a gazebo with an outdoor fireplace - an inviting setting for entertaining friends or gathering with neighbors, or simply enjoying the peaceful surroundings. Harbour Village also offers more than 600 feet of sandy Beach, perfect for shelling, wade fishing, relaxing in a beach chair, birdwatching or ending the day with a spectacular St Andrews sunset. Your vehicle is protected in the clean, secure community parking garage. This is more than a condominium - it's a waterfront lifestyle that few have the opportunity to experience. Those who know St Andrews recognize the value of its history, character and irreplaceable waterfront setting. A home you MUST SEE to appreciate. Purchase includes Garage Storage #S04 - 405 cu.ft. climate-controlled. Also available - Furnishings and Boat Slip: Furnishings as shown are available for purchase separately, with price negotiable. 38' Boat slip & Marina storage are also available separately; pricing to be determined.
#792144

Panama City

3001 W 10th Street 713

3 Beds

3 Baths

2,321 Sq.Ft.

$895,000

MLS#: 792144

Harbour Village #203 -- Waterfront Living in the Heart of Historic St. Andrews Some properties offer a water view. Harbour Village #203 offers a true waterfront lifestyle. Beautifully appointed and thoughtfully designed, this residence stands apart even within Harbour Village, combining an elegant interior with several valuable features that are difficult to replicate -- particularly for the serious boater. The property includes boat accommodations capable of handling a vessel up to 20,000 pounds, with both water and electricity run directly to the boat slips. For fishing and days on the water, the setup gets even better: #203 includes two approximately 8' x 15' private storage units, both heated and cooled with climate control, plus convenient access to an ice machine and freezer space for fish storage. ***$100k value*** These aren't simply extras -- they're features that make waterfront living considerably easier. The residence itself is just as impressive. The interior is beautifully decorated with a warm, refined coastal feel that complements the setting without feeling overly themed. The floor plan offers three bedrooms and three bathrooms, with an important distinction from some other residences in the building: each bedroom has direct access to a bathroom, rather than the third bath being accessible only from the hallway. Natural light and access to the outdoors are another standout. Sliding glass doors are located in both the living room and bedroom, creating two connections to the waterfront surroundings where many units offer only one. The unit also features double entry doors, another upgrade from the single-door configuration found in many residences, making the entrance feel substantially more open and impressive. And then there is the location. Harbour Village sits directly in Historic St. Andrews, one of Panama City's most distinctive waterfront neighborhoods. St. Andrews grew from its roots in fishing, boating and maritime commerce into the walkable bayside community it is today. Beck Avenue and the surrounding streets are lined with locally owned restaurants, shops and gathering places, while the marina, parks, waterfront and community events keep the neighborhood connected to the bay. This is a place where you can leave the car parked, walk out your door for dinner or drinks, stroll along the waterfront, visit the Saturday market at Oaks by the Bay, or get on your boat and head out onto St. Andrews Bay. The City describes St. Andrews Marina as a gateway to the bay and Gulf of Mexico, and that connection to boating remains a defining part of the neighborhood. Harbour Village #203 isn't simply a beautifully finished condominium overlooking the water. It's a residence designed around actually living on it. With substantial boat capacity, two climate-controlled storage units, water and power at the slips, an enhanced three-bedroom/three-bath layout, dual sliding-glass-door access and a prime position in Historic St. Andrews, #203 offers a combination that's exceptionally difficult to duplicate.
#795529

Panama City

3001 W 10th Street 203

3 Beds

3 Baths

1,997 Sq.Ft.

$880,000

MLS#: 795529

Experience waterfront living at its finest in this stunning 3-bedroom, 3-bathroom condo in Harbour Village at Historic St. Andrews. Located along the Bay, this exceptional property offers breathtaking views, creating the perfect backdrop for both relaxing and entertaining. The spacious layout provides an open, airy feel with abundant natural light and private waterfront scenery from the main living areas. Boating enthusiasts will appreciate the12,000lbs boat lift that is included, providing convenient access to the gulf, intercoastal or Shell Island. Also, comes with a deeded storage closet for added storage and organization. Harbour Village offers an impressive collection of resort-style amenities, including a heated waterfront pool overlooking the Bay, a fitness center, and a grand clubhouse perfect for gatherings and community events. Residents also enjoy a private community park with green space where dogs are welcome, a covered parking garage, and inviting outdoor spaces to include a waterfront fireplace with comfortable seating and a grilling gazebo with direct access to Oaks by the Bay Park. Located in the heart of Historic St. Andrews, this rare waterfront condo combines luxury, boating, and a vibrant coastal lifestyle just minutes from amazing local restaurants, shopping, and local attractions.
#786054

Panama City

3001 W 10th Street 711

3 Beds

3 Baths

2,001 Sq.Ft.

$650,000

MLS#: 786054

Sunset Bayfront Retreat - Updated & Move-In Ready in Gated Harbour Village Discover peaceful waterfront living at its finest in Harbour Village, a boutique 2006-gated community of only 116 residences on the serene shores of St. Andrews Bay. This lovingly maintained 2nd-floor condo offers the perfect blend of modern comfort and timeless coastal charm in Historic St. Andrews -- a vibrant 19th-century fishing village now filled with marinas, artisan shops along Beck Avenue, and farm-to-table favorites just steps away. No short-term rentals means a true residential sanctuary year-round. Unit 202 is all about those magical west-facing views. Step onto your private balcony -- accessible from both the living room and primary suite -- and watch breathtaking sunsets paint the bay, dolphins playing in the harbor, and boats gliding by. Thoughtfully upgraded with custom finishes and tasteful décor, this home feels warm, sophisticated, and genuinely cared for -- the kind of place that instantly feels like home. Enjoy resort-style amenities that elevate everyday living: • Heated waterfront pool with sweeping bay views • State-of-the-art fitness center • Spacious community room for gatherings • Cozy outdoor fireplace for fireside evenings • Private marina with deeded boat slips (none assigned to this unit) St. Andrews living at its best: stroll to the marina, shaded boardwalks at Oaks by the Bay Park, Saturday farmers market, and local gems like Alice's on Bayview, Uncle Ernie's, and Finns. Quick access via US 98 to Panama City Beach, and everything Northwest Florida has to offer. This cherished, family-owned condo has been meticulously maintained and is now ready for its next chapter. Motivated sellers are ready to welcome the right buyer who will love it as much as we have. Rare west-facing bay views like these don't last long in Harbour Village. Schedule your private showing today and experience why this feels like coming home to the water.
#794232

Panama City

3001 W 10th Street 202

2 Beds

2 Baths

1,496 Sq.Ft.

$425,000

MLS#: 794232

Explore the possibilities at 2945 Palmetto Ridge Way in Lynn Haven. This townhome features a reported 4 bedrooms, 2.5 bathrooms and approximately 1,956 square feet. The additional bedrooms offer flexibility for guests, a home office or everyday living. Roof and HVAC are reported to be approximately 8 years old. An opportunity to evaluate as a personal residence or investment, subject to applicable rental restrictions. Schedule a showing to review the layout and condition firsthand. Buyer to verify square footage, bedroom and bathroom count, system ages, association requirements and all material property details. Property is being sold as-is no repairs to be made.
#795804

Lynn Haven

2945 Palmetto Ridge Way

4 Beds

2 Baths

1,956 Sq.Ft.

$225,900

MLS#: 795804

Charming Coastal Cottage in the heart of historic ST. ANDREWS just one block from St Andrews Bay. This property features two bedrooms, 1 full bath, living room, kitchen/dining area, office area and two screened porches. Property has a large 60 x 120 lot with plenty of room for outdoor fun or an additional out buildings. The home is zoned for the St Andrews neighborhood/CRA revitalization area (NR) and can be used for a primary home, second home, or short term rental, Walk or ride your golf cart to the nearby restaurants, shopping, parks, downtown St Andrews for dining/shopping/festivals or taking in the sunsets over the Bay.
#795084

Panama City

1609 Billings Avenue

2 Beds

1 Baths

940 Sq.Ft.

$219,000

MLS#: 795084

Affordable 3 bed, 1 bath Florida cottage on a fully fenced lot in central Panama City, a fit for a first home or an investment. The 925 sq ft layout offers a covered front porch, a living room open to the dining area and kitchen, three bedrooms off a central hall, and an enclosed 17 x 8 rear laundry room with extra storage and work space. Central air, tile and vinyl plank flooring, vinyl siding and a dimensional shingle roof. The chain-link fence surrounds the yard, great for pets, gardening or outdoor time. Located in unincorporated Bay County, where short-term rentals are permitted with a county certificate, so this home works as a primary residence, long-term rental, vacation rental or cosmetic flip. Sold as-is, vacant and ready for quick possession. New construction on neighboring streets shows the area is growing, with easy access to US 98. Floor plan in photos. Buyer to verify all rental licensing and use requirements.
#790394

Panama City

2312 E 17th Street

3 Beds

1 Baths

925 Sq.Ft.

$155,000

MLS#: 790394

properties found. properties found. Page of .

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