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Check out this rare opportunity to own a hilltop custom home with exceptional Gulf views on Florida's Forgotten Coast. This custom-built home has never been used as a rental and has had just one owner who meticulously maintained it. It has the charm and details perfect for a personal residence, but also massive rental possibilities for investors.

This three-story coastal home sits on an expansive .573-acre parcel in St. Joe Beach just east of Mexico Beach and directly across from the Gulf. This property offers unbelievably large front and backyard spaces for a home that is so close to the Gulf. The backyard alone is approximately 100 feet by 60 feet, which is larger than many nearby lots. As a result, this home has nearly endless exterior parking opportunities whether it be for your boat, RV, or extra spaces for renters. All of this space also provides the flexibility to add additional square footage, especially when you consider that this property is not in a flood zone.

The outdoor living space is where this home truly shines. The inground pool is framed by an elegant brick paver deck, creating a polished, resort-like setting. Surrounded by mature, thoughtfully designed landscaping, the pool feels tucked away and serene--something increasingly hard to find at the beach. The private outdoor shower adds a distinctly tropical touch, while the nearby tiled bathroom offers convenience for pool guests.

From the ground level, access all floors by elevator or by an upscale traditional staircase - no need to struggle with exterior stairs or a narrow staircase common in many beach houses. Also, the elevator offers handicap accessibility that is rare in multi-story coastal homes. The home has hurricane impact windows throughout. The third floor is the heart of the home--an open-concept living, kitchen, and dining area designed to capture elevated views of the Gulf. A gas log fireplace anchors the living space, while the 30x12 foot front porch invites you to relax and take in the coastal breeze. Two additional bedrooms share a full bath, and one features its own private balcony overlooking the water. An oversized walk-in pantry that could also be used as a lock-out closet completes the thoughtfully designed upper level.

The second floor is designed with comfort and flexibility in mind. The spacious master suite and bonus area occupy the entire front of the home -- featuring dual vanities, a large tiled shower, and a walk-in closet with a custom shelf system. The master suite's generous 14.5 x 11 foot bonus room is perfect for an office, gym, nursery, additional sleeping space, or just a luxuriously large seating area. Both the bedroom and bonus room open to a full-length screened porch with gas and water hookups, creating a peaceful, year-round retreat with Gulf views. A private guest suite with en suite bath sits toward the rear of the home. Between these two suites sits a custom, built-in laundry area with surrounding cabinetry and workspace, which blends in seamlessly and allows you the option to conceal the washer and dryer.

The center of the ground level features a formal foyer and seating area leading to the elevator and staircase. On each side of the foyer is an extra large enclosed garage bay each with additional storage closet space. The right garage bay is expanded to accommodate a golf cart or riding mower and is complete with its own automatic rear-entry garage door, while the left garage bay features direct access to the pool. Outside just steps from the pool is a quaint pool house with a bright, cheerful interior. It includes electricity, a ceiling fan, refrigerator, counterspace and a large sink. Whether used as a poolside lounge, creative workspace, or additional storage, it enhances the entire outdoor experience. Altogether, this setup creates an ideal environment for hosting--seamlessly accommodating long beach days, pool gatherings, and effortless indoor-outdoor living. Situated next to Veterans Memorial Park at Beacon Hill, you will enjoy a large beach access, four pickleball courts, a dog park, playground, and more. Unique Forgotten Coast experiences like scalloping and fishing in St. Joe Bay and evenings in historic downtown Port St. Joe, resort-style downtown Windmark Beach, or charming Mexico Beach are just minutes away.

Never rented and lovingly cared for, this home offers exceptional income-producing potential with no HOA fees or restrictions and low unincorporated property taxes. With space, charming details, accessibility, and a resort-style outdoor setting just steps from the Gulf, this is a property that truly stands apart. To see more, please request the virtual tour!

Port St Joe

8622 W Hwy 98

4 Beds

3 Baths

2,854 Sq.Ft.

$1,349,000

MLS#: 789514

REO. This fully furnished 2 bedroom, 1 bath unit puts you just steps away from the white sandy beaches of Okaloosa Island. Wake up to coastal living with immediate access to some of the area's most pristine beaches. The furnished interior means zero setup time, allowing you to transition smoothly into your new home. From your 3rd Floor Balcony, you'll enjoy a view of the sparkling pool. Beyond the pool, the complex features tennis and basketball courts, a BBQ area, and on-site laundry for added convenience and recreation. The location offers more than beach proximity, you're close to Restaurants, local attractions and entertainment. Whether you're seeking a vacation retreat, investment property, or permanent residence, this condo delivers both accessibility and resort-caliber amenities

Fort Walton Beach

885 Santa Rosa Boulevard 311-A

2 Beds

1 Baths

978 Sq.Ft.

$274,900

MLS#: 1002569

Panama City

1337 Lincoln Drive

2 Beds

1 Baths

736 Sq.Ft.

$125,000

MLS#: 789531

Panama City

6416 Bellavia Lane

4 Beds

2 Baths

1,812 Sq.Ft.

$2,100

MLS#: 789541

Golf course lot in the Indian Springs neighborhood. This mostly cleared lot sits across from the tee box on hole 17 of an 18 hole golf course. The Clubhouse is just around the corner. Nature trails down to the Mill Pond (that are County maintained) are just down the road. Perfect spot for you to build your forever home. Save money and hook up to the public water and sewer that is almost complete. Call today for your appointment!!

Marianna

2836 Appalachee Trail

None Beds

None Baths

0.69 acres

$37,900

MLS#: 789524

Marianna

2816 St Johns Street

None Beds

None Baths

0.16 acres

$10,900

MLS#: 789559

Very nice, 3bd 2ba home in Plantation Park subdivision off Transmitter near Hwy 231, built in 2013. Trey ceilings, granite counters, stainless appliances, hardwood flooring, 2-car garage, privacy fenced. Small storage bldg in back yard

Panama City

4028 Brook Stone Drive

3 Beds

2 Baths

1,629 Sq.Ft.

$1,850

MLS#: 788993

'CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS'
3515 E 14th St, located in unincorporated Bay County, offers affordable living with a surprising amount of outdoor space in a convenient central Panama City location. Located just off of 15th Street, this property provides quick access to shopping, dining, schools, Tyndall Air Force Base, and everyday conveniences while still offering a residential setting.

This well-maintained 2013 mobile home features 3 bedrooms, 2 bathrooms, and approximately 1,140 heated square feet with a split-bedroom floor plan and open living area. The kitchen offers plenty of cabinet space, an island for additional prep and storage, and an eat-in dining area that flows easily into the main living space. The home has been cared for over the years and also features a newer roof installed in 2020.

Outside is where this property really stands out for the price point. The spacious 0.33-acre lot has been nicely maintained with mature trees, garden areas, open green space, and room to enjoy the outdoors. There is also a storage shed (approx 7' x 9.5') that provides additional space for tools, lawn equipment, or hobbies, and even a manual well pump! The yard offers flexibility for pets, gardening, entertaining, or simply having extra elbow room that can be hard to find at this price.

Whether you're looking for a primary residence, an investment property, or an affordable home with outdoor space and no HOA, this property is worth a look. Buyer to verify measurements and any information deemed important.

Panama City

3515 E 14th Street

3 Beds

2 Baths

1,140 Sq.Ft.

$139,900

MLS#: 789566

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.

Panama City

3303 Terra Cotta Drive

None Beds

None Baths

0.4 acres

$395,000

MLS#: 789572

Welcome to peaceful coastal living in the gated community of Bay Point. This bright and inviting 1 bedroom condo in Lagoon Towers offers beautiful water view and a relaxed lifestyle. Enjoy morning coffee on the balcony overlooking the pool, lagoon, the pass to the Gulf, Bay Point Golf Course and unwind in the quiet surroundings that make Bay Point one of the most desirable residential communities in Panama City Beach. Perfect as a primary residence, second home, or long term rental investment property. Residents enjoy a wide range of amenities including a waterfront pool, dock access, bike room, and additional storage. The monthly HOA fee of $605 includes water, trash service, cable TV, internet, pool, dock access. making ownership simple and convenient. Located just minutes from boating, golf, dining, and the beautiful beaches of the Emerald Coast and close to the renowned Bay Point Marina. Vacant and easy to show. New reduced price!

Panama City

4600 Kingfish Lane 508

1 Beds

1 Baths

884 Sq.Ft.

$239,900

MLS#: 768495

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.

Panama City Beach

1219 Thomas Drive 73

1 Beds

1 Baths

412 Sq.Ft.

$189,900

MLS#: 789499

5.875% Low Interest Rate Available for Financing!! Experience true Gulf-front living from this highly sought-after first-floor residence at the exclusive Grand Mariner in Destin. Enjoy breathtaking, unobstructed views of the emerald-green waters and sugar-white quartz sandy beaches from your deep covered patio—just steps from the pool, lush landscaping, and the private 375-foot deeded beach. This is a must-see property -- this million-dollar value truly needs to be experienced in person to really appreciate everything it has to offer. From the moment you enter, the panoramic Gulf views take center stage. This single-level condo offers the ultimate in convenience with front-door parking and no stairs or elevators to navigate. Your patio doors open directly to paradise—perfect for morning coffee, sunset cocktails, or effortless beach access.

Inside, the spacious open-concept kitchen, dining, and family room are designed for coastal living and entertaining. The Gulf-facing primary suite offers incredible views and a private ensuite bath. A generous guest bedroom and second full bath provide ample space for family or guests. Exterior storage is included for all your beach gear. Offered fully furnished and turn-key, this lovingly maintained second home has been cherished by one family for years. Furnishings include a bronze dolphins glass top coffee table and original artwork. Short-term rentals are not permitted, preserving the tranquility of this private, owner-exclusive community.

Location is unbeatable -- minutes to the private Destin Airport, Indian Bayou Country Club, and the Destin Harbor for fishing, boating, dining, and entertainment. Enjoy nearby world-class golf at Indian Bayou, Kelly Plantation, and Regatta Bay, or walk to some of Destin's best restaurants and family attractions. Resort living at its finest -- Grand Mariner offers a Gulf-front pool, fitness center, gated entry, and pristine beachfront grounds. Facing due south, this rare ground-floor unit provides effortless access, captivating views, and coastal luxury in one perfect package.

Destin

1100 E Highway 98 Unit C103

2 Beds

2 Baths

1,160 Sq.Ft.

$685,000

MLS#: 990557

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.

Miramar Beach

285 Payne Street UNIT 9A

2 Beds

2 Baths

944 Sq.Ft.

$370,000

MLS#: 1002522

Experience the best of the Emerald Coast at this beautifully updated two-bedroom condo at SeaCrest on Okaloosa Island. Perfectly positioned on the second floor and closer to the beach, this inviting retreat combines comfort, style, and convenience in one of the building's most desirable locations. SeaCrest underwent a major exterior renovation in 2022, featuring all-new windows, sliding glass doors, and fresh exterior paint. Inside, the condo offers an effortlessly livable floor plan with sophisticated touches throughout, including bamboo flooring, an upgraded kitchen, updated furnishings and décor, a Google Nest thermostat, a new hot water heater installed in 2022, and a new refrigerator with an ice maker added in 2025. A standout feature of this property is the deeded covered parking spa ce -- a rare and highly sought-after benefit not available with all SeaCrest units. Residents and guests also enjoy an impressive array of amenities, including a sparkling indoor/outdoor swimming pool heated during the winter months, a fitness center, a BBQ area, ample parking, and, of course, the sugar-white sands and emerald waters just steps from your door.

Fort Walton Beach

895 Santa Rosa Boulevard 206

2 Beds

2 Baths

1,074 Sq.Ft.

$399,000

MLS#: 1002487

Large, move-in ready, furnished home within 1/2 mile to beach and walkable to Santa Rosa Golf Course.

Santa Rosa Beach

21 S Anchors Lake Drive

5 Beds

5 Baths

6,047 Sq.Ft.

$10,500

MLS#: 1002583

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