27

Saint Andrews Homes for Sale

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  • /92

    $238,000

    • 2 Beds
    • 2 Baths
    • 1,376 Sq Ft

    3515 W 19th St Unit 2, Panama City, FL 32405

    Adorable, updated, and furnished, this beautifully updated townhouse combines modern style with comfortable everyday living near the heart of St. Andrews. Inside, you'll find fresh finishes, contemporary touches, and a warm fireplace that creates the perfect focal point for the living space. The flexible floor plan offers a downstairs bedroom and bath, an upstairs bedroom and bath, and an

    Agent Photo

    Heather Fox

    Beachy Beach Real Estate

    (448) 432-4536

    3515 W 19th St Unit 2, Panama City, FL 32405
  • /5

    $1,190,000

    • 1,837 Sq Ft

    3533 U S 98, Panama City, FL 32401

    Completely revitalized and effectively new as of 2021, this 14-unit multifamily property offers an exceptional turnkey investment opportunity. Each studio unit is approximately 280 square feet and has been fully updated as of 2021 with brand-new electrical wiring, sewer and water lines, windows and doors, drywall, trusses, and roof. With full occupancy and consistent rental income, this asset

    Agent Photo

    Michael Werner

    Keller Williams Success Realty

    (448) 333-2040

    3533 U S 98, Panama City, FL 32401
  • /43

    $347,579

    • 3 Beds
    • 2.5 Baths
    • 2,088 Sq Ft

    1336 Cincinnati Ave, Panama City, FL 32401

    Block from the Bay- Located within historic St. Andrews, this spacious home offers a flexible 3-bedroom that includes a GUEST SUITE with its own exterior entrance, plus an additional FLEX room (with closet) that can function as a 4th bedroom. Significant updates to plumbing and electrical systems, along with a newer roof in recent years. The home is equipped with natural gas for added efficiency

    Danny Burnett Keller Williams Success Realty

    1336 Cincinnati Ave, Panama City, FL 32401
  • /10

    $275,000

    • 3 Beds
    • 1 Bath
    • 1,100 Sq Ft

    2812 W 11th St, Panama City, FL 32401

    This beautifully remodeled house is located in theheart of St. Andrews, just steps from Beck Avenueand St. Andrews Bay. Live—or office—in thischarming community and enjoy the convenienceof walkable dining, boutique shopping andnightlife.

    Anderson Brooks NAI TALCOR

    2812 W 11th St, Panama City, FL 32401
  • /32

    $259,900

    • 3 Beds
    • 1 Bath
    • 995 Sq Ft

    1700 Billings Ave, Panama City, FL 32401

    Motivated Seller! Charming Coastal Cottage in the heart of historical ST. ANDREWS just two blocks from St Andrews Bay. This 3 BR/1 BA has been recently renovated with over $75,000 in upgrades and vintage character. The home is zoned for the St Andrews neighborhood/CRA revitalization area (NR) and can be used for a primary/second home, Short Term Rental or Neighborhood Friendly business. Walk or

    Merrie Allen Anchor Realty Florida

    1700 Billings Ave, Panama City, FL 32401
  • /35

    $315,000

    • 3 Beds
    • 2 Baths
    • 1,332 Sq Ft

    1849 Lake Ave, Panama City, FL 32405

    This cute home has just been remodeled. It has a new island with new countertops, sink and faucet. new light fixtures, all new fans, new flooring and freshly painted. It also has two storage units in the back yard and features a Koi pond with large Koi. Fenced in large back yard. Large driveway with plenty parking.Convenient to shopping, schools and restaurants. This is a must see.

    Sandy Webb Dalton Wade Inc

    1849 Lake Ave, Panama City, FL 32405
  • /44

    $290,000

    • 3 Beds
    • 1 Bath
    • 945 Sq Ft

    1701 Deer Ave, Panama City, FL 32401

    Welcome to this beautifully renovated 3-bedroom home on a spacious corner lot in the heart of Historic St. Andrews! Perfectly located within walking distance to the Bay, St. Andrews Marina, Shrimp Boat, Captain's Table, Uncle Ernie's, restaurants, shopping, and entertainment. This home blends historic charm with modern updates. Inside, you'll find freshly painted walls (2023), updated flooring,

    Kelly McGrath Realty One Group Emerald Coast

    1701 Deer Ave, Panama City, FL 32401
  • /25

    $278,500

    • 2 Beds
    • 1 Bath
    • 792 Sq Ft

    1729 Palmetto Ave, Panama City, FL 32401

    Welcome to this charming, newly renovated bungalow by the bay, offering beautiful water views right from the front of the home. Nestled on a picturesque, oak-lined street draped in classic Spanish moss, 1729 Palmetto Ave combines coastal serenity with everyday convenience--just minutes from Gulf Coast Community College, FSU, and local favorite Papa Joe's. This inviting two-bedroom home is perfect

    Phil Smith The Premier Property Group

    1729 Palmetto Ave, Panama City, FL 32401
  • /29

    $180,000

    • 2 Beds
    • 1.5 Baths
    • 1,104 Sq Ft

    4455 W 19th St Unit 16, Panama City, FL 32405

    Great opportunity in St. Andrews to own a townhome with potential. This property offers a functional layout with comfortable living space and is ready for a new owner to add their personal touch. A good option for buyers looking to customize or invest. Conveniently located in Panama City with easy access to shopping, dining, and everyday amenities. All measurements, zoning, and sizes are

    Luisa Dick Coldwell Banker Realty

    4455 W 19th St Unit 16, Panama City, FL 32405
  • /34

    $875,000

    • 4,286 Sq Ft

    1806&1808 Brown Ave, Panama City, FL 32405

    Rare opportunity to purchase two contiguous GC-1-zoned properties in the Bayview Addition of Panama City, offered together at a discounted package price. This flexible assemblage combines a modern warehouse facility with a newer single-family residence, creating multiple income and use scenarios. 1806 Brown Ave features a 3,476 SF warehouse building constructed in 2016 with metal construction,

    Marcy O'Donnell Luxe Coastal Realty Group LLC

    1806&1808 Brown Ave, Panama City, FL 32405
  • /53

    $419,900

    • 2 Beds
    • 2 Baths
    • 1,252 Sq Ft

    3001 W 10th St Unit 505, Panama City, FL 32401

    Welcome to waterfront living at its finest on beautiful St. Andrews Bay! This stunning 2-bedroom, 2-bathroom condo, located on the 5th floor, offers breathtaking panoramic views and a lifestyle of comfort, convenience, and tranquility.As you step inside, you're greeted by an open-concept living and dining area filled with natural light from large, picturesque windows that perfectly frame the

    Vianah Seamon Anchor Realty Florida

    3001 W 10th St Unit 505, Panama City, FL 32401
  • /29

    $185,000

    • 2 Beds
    • 1.5 Baths
    • 952 Sq Ft

    1724 Alabama Ave, Panama City, FL 32401

    Coastal charm meets modern comfort just 1.5 blocks from the bay with public water access! Tucked away on a quiet dead-end street that leads directly to the water, this beautifully updated 2-bedroom, 1.5-bath home offers the perfect blend of character, convenience, and location.Step inside to find real hardwood floors throughout the main living areas and tasteful updates throughout. The

    Tammie Charbono Epique Realty Inc

    1724 Alabama Ave, Panama City, FL 32401
  • /39

    $499,000

    • 5 Beds
    • 3 Baths
    • 2,400 Sq Ft

    3710 W 17th St, Panama City, FL 32401

    Welcome to this timeless Florida cottage nestled in the heart of St. Andrews, one of Panama City's most desirable and walkable neighborhoods. Surrounded by mature landscaping and moss-draped oak trees, this spacious 5-bedroom, 3-bath home blends classic charm with thoughtful modern updates. Inside, you'll find hardwood floors throughout and an updated open-concept kitchen featuring granite

    Jordan Jarrett Keller Williams Success Realty

    3710 W 17th St, Panama City, FL 32401
  • /6

    $2,000,000

    • Land
    • 1.68 Acres
    • $1,190,476 per Acre

    4423 W Highway 98, Panama City, FL 32401

    Pristine property located on beautiful St. Andrew's Bay in Panama City, FL. This property features 132 feet on St. Andrew Bay with a total of 1.67 acres. It is +/-1/2 mile east of the Hathaway Bridge, close to Port Panama City, Gulf Coast State College, Florida State University Panama City Campus, and Panama City Beach. In addition to St. Andrew's Bay, the property overlooks St. Andrew Bay, the

    Chris McCall Counts Real Estate Group Inc

    4423 W Highway 98, Panama City, FL 32401
  • /2

    $550,000

    • Land
    • 0.55 Acre
    • $1,000,000 per Acre

    3701 W Highway 98, Panama City, FL 32402

    OWNER Financing on this parcel with 30% down with a term based on term of 10 years at 6.5% with a balloon in 3 years. Property ZONED C-2 General Commercial Premier location on the 98 corridor with a strong traffic count both North and South as well as East and West. It is the first red light after descending from the Hathaway Bridge. Allowable uses on the property include business professional,

    Andy Gonsalves Counts Real Estate Group Inc

    3701 W Highway 98, Panama City, FL 32402
  • /52

    $175,000

    • 2 Beds
    • 1 Bath
    • 803 Sq Ft

    1301 Beck Ave Unit 32, Panama City, FL 32401

    Absolutely Charming condo unit located in the heart of the Historic Saint Andrews. Saint Andrews Harbour is a small cozy & vintage complex fitting right in with the atmosphere of Saint Andrews lifestyle. Great location to the quaint shops, restaurants, Bay & Marina. There are so many other great attributes to this complex such as the low association fees, community pool, grills & clubhouse and of

    Kelli Sullivan Beachy Beach Real Estate

    1301 Beck Ave Unit 32, Panama City, FL 32401
  • /43

    $900,000

    • 3 Beds
    • 3 Baths
    • 1,997 Sq Ft

    3001 W 10th St Unit 203, Panama City, FL 32401

    Spectacular Views from this 3 Bed/3Bath Bayfront unit in Harbour Village! A one of a kind gated community in the heart of Historic St. Andrews. Condo boasts 11ft ceilings and breathtaking views of St. Andrews Bay, Shell Island, and the Intracoastal Waterway from the master suite, living area, dining room, and kitchen. The open layout features double front door, a gourmet kitchen with sleek

    Jennifer Mackay Counts Real Estate Group

    3001 W 10th St Unit 203, Panama City, FL 32401
  • /4

    $400,000

    • Land
    • 0.5 Acre
    • $800,000 per Acre

    3705 W Highway 98, Panama City, FL 32401

    ZONED C-2 GENERAL COMMERCIAL Excellent price for a commercial corner. Prime property as you are entering Panama City from Panama City Beach. This property has so many allowable usages which include Restaurants, Retail, Auto Repair, & Business Professional. The parcel sides on 2 streets allowing for excellent ingress and egress. It is on the main corridor frontage as you drive past it as you head

    Andy Gonsalves Counts Real Estate Group Inc

    3705 W Highway 98, Panama City, FL 32401
  • /25

    $2,300,000

    • Land
    • 4.77 Acres
    • $482,180 per Acre

    4810 W Highway 98, Panama City, FL 32401

    Amazing Development Opportunity is Ready for You! In a Prime Location, this 4.77 acre parcel is zoned General Commercial 2. Located in the Gateway Overlay and this property is located in the Panama City Community Redevelopment Agency Tax Increment Rebate Program area. Located just before the Hathaway Bridge in Panama City, this offering fantastic traffic count and visibility when traveling on Hwy

    Deborah Class ERA Neubauer Real Estate, Inc

    4810 W Highway 98, Panama City, FL 32401
  • /20

    $257,000

    • 3 Beds
    • 2 Baths
    • 1,132 Sq Ft

    1610 Louise Ave, Panama City, FL 32401

    Perfect first home or investment property. The home is in excellent construction condition just needs the new buyers personal touch to make the property SHINE. Excellent location with nice surrounding homes and a nice large lot in St Andrews. Newer A/C and roof and Electric has all been upgraded. 3 bedrooms and 2 full baths with extra room for office or additional kids' bedroom. The property has

    Andy Gonsalves Counts Real Estate Group Inc

    1610 Louise Ave, Panama City, FL 32401
  • /4

    $2,070,000

    • 15,000 Sq Ft

    4100 U S 98, Panama City, FL 32401

    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.

    John McVeigh St Andrews Bay Realty

    4100 U S 98, Panama City, FL 32401
  • /23

    $215,000

    • 4 Beds
    • 2 Baths
    • 1,202 Sq Ft

    1821 Molitor Ave, Panama City, FL 32405

    Opportunity Awaits on a Prime Corner Lot! This 4-bedroom, 2-bath home offers 1,202 square feet of living space and a desirable split floor plan that provides privacy and flexibility. Situated on a corner lot, the property features a spacious 20x10 utility shed, perfect for storage, a workshop, or hobby space. Major system updates add value and peace of mind, including a roof replaced in 2019, hot

    Danielle Britton World Impact Real Estate

    1821 Molitor Ave, Panama City, FL 32405
  • /15

    $2,000,000

    • Land
    • 1.68 Acres
    • $1,190,476 per Acre

    4423 W Highway 98, P C Beach, FL 32401

    Pristine property located on beautiful St. Andrew's Bay in Panama City, FL. This property features 132 feet on St. Andrew Bay with a total of 1.67 acres. It is +/-1/2 mile east of the Hathaway Bridge, close to Port Panama City, Gulf Coast State College, Florida State University Panama City Campus, and Panama City Beach. In addition to St. Andrew's Bay, the property overlooks St. Andrew Bay, the

    Chris McCall Counts Real Estate Group Inc

    4423 W Highway 98, P C Beach, FL 32401
  • /66

    $475,000

    • 2 Beds
    • 2.5 Baths
    • 1,496 Sq Ft

    3001 W 10th St Unit 202, Panama City, FL 32401

    Sunset Bayfront Retreat: Lovingly Maintained Condo in Gated Harbour Village at Historic St. Andrews. Motivated Seller! Discover peaceful, upscale waterfront living in Harbour Village, an elegant 2006-built, gated mid-rise community of just 116 units perched on the serene shores of St. Andrews Bay. Here, modern luxury meets the timeless nautical heritage of Historic St. Andrews--a charming

    Mark Oberg Berkshire Hathaway HomeServices Beach Properties of Florida

    3001 W 10th St Unit 202, Panama City, FL 32401
  • /24

    $216,000

    • 2 Beds
    • 2 Baths
    • 1,056 Sq Ft

    1709 Cincinnati Ave, Panama City, FL 32401

    Just a short walk to Historic St. Andrews' shops and restaurants, enjoy brunch at Alice's, lunch overlooking the bay at Uncle Ernie's, dinner at Hunt's Oyster Bar, or browse the local markets every Saturday, all within a 15-minute stroll. This prime location is also just a 15-minute drive to the sugar-white beaches of the Gulf, 8 minutes to the Naval Base, and 26 minutes to Tyndall AFB.

    Cindy Hamre Coastal Choice Realty LLC

    1709 Cincinnati Ave, Panama City, FL 32401
  • /50

    $749,900

    • 3 Beds
    • 3 Baths
    • 2,001 Sq Ft

    3001 W 10th St Unit 711, Panama City, FL 32401

    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

    Rob Kinney Counts Real Estate Group Inc

    3001 W 10th St Unit 711, Panama City, FL 32401
  • /59

    $429,500

    • 2 Beds
    • 2 Baths
    • 1,252 Sq Ft

    3001 W 10th St Unit 415, Panama City, FL 32401

    Wake up to sweeping bay views in this beautifully updated 2-bedroom, 2-bath condominium at Harbour Village, perfectly positioned on St. Andrew Bay in the heart of historic St. Andrews. Offering 1,252 square feet of thoughtfully designed living space, this fourth-floor residence combines timeless character with modern upgrades, abundant storage, and an unbeatable location.The open-concept

    Michelle Ginn ERA Neubauer Real Estate, Inc

    3001 W 10th St Unit 415, Panama City, FL 32401

Why Live in Saint Andrews

Saint Andrews in Panama City is a historic neighborhood known for its waterfront dining and vibrant local culture. Uncle Ernie’s Bayfront Grill and Brew House is a standout, offering fresh grouper and stunning sunset views over Saint Andrew Bay. Alice’s on Bayview is popular for brunch, while The Dive provides a casual atmosphere for pool and darts. For those seeking variety, St. Andrews Slice House and Burgunbarrel offer pizza and wine, respectively. The neighborhood also features a Grocery Outlet for convenient shopping. Saint Andrews' residential streets are lined with Spanish-moss-laden trees and predominantly feature single-story Craftsman homes, ranging from 1,000 to 2,000 square feet. The area includes historic homes, refurbished 1960s houses, and new builds by the water. Condos and townhomes are also available. The area's crime rates are comparable to the national average. The annual Blessing of the Fleet at St. Andrews Marina and the weekly farmers market at Oaks by the Bay Park are notable events. The park itself is a hub for outdoor activities, with massive oak trees, a boardwalk, and a popular Christmas light display. Fishing is a common pastime at the marina. U.S. Route 98 serves as the main transportation route, connecting residents to Panama City Beach and the Bayway bus system. Schools in the Bay District system are highly rated, with Bay High offering specialized programs in digital design and engineering.

Frequently Asked Questions

Is Saint Andrews a good place to live?
Saint Andrews is a good place to live. Saint Andrews is considered somewhat walkable and somewhat bikeable with some transit options. Saint Andrews is a neighborhood with a crime score of 4, on par with the average neighborhood in the U.S. Saint Andrews has 2 parks for recreational activities. It is fairly sparse in population with 3.2 people per acre and a median age of 45. The average household income is $66,280 which is below the national average. College graduates make up 29.6% of residents. A majority of residents in Saint Andrews are home owners, with 46.5% of residents renting and 53.5% of residents owning their home. A local real estate agent serving Saint Andrews can help you decide if this neighborhood is the right one for you. Learn more on our Saint Andrews neighborhood guide.
Is Saint Andrews, FL a safe neighborhood?
Saint Andrews, FL is a safe neighborhood and is on par with the average neighborhood in the United States. It received a crime score of 4 out of 10.
How much do you need to make to afford a house in Saint Andrews?
The median home price in Saint Andrews is $244,000. If you put a 20% down payment of $48,800 and had a 30-year fixed mortgage with an interest rate of 6.46%, your estimated principal and interest payment would be $1,230 a month plus property taxes, HOA fees, home insurance, PMI, and utilities. Using the 28% rule, you would need to make at least $53K a year to afford the median home price in Saint Andrews. Learn how much home you can afford with our Home Affordability Calculator. The average household income in Saint Andrews is $66K.
What are the best public schools in Saint Andrews?
The best public schools that serve Saint Andrews are:
What are the best private schools in Saint Andrews?
The best private schools that serve Saint Andrews are:
What are the most popular zip codes in Saint Andrews, Panama City, FL?
The most popular zip codes in Saint Andrews, Panama City, FL include 32401, 32405, 32408, 32407 and 32404.
What are the most popular neighborhoods near Saint Andrews, Panama City, FL?
The most popular neighborhoods near Saint Andrews, Panama City, FL are Downtown North, Downtown, South Panama City, Millville and West Panama City.
Are home prices dropping in Saint Andrews?
Yes, home prices in Saint Andrews are down 56% in the last 12 months.

Home Trends in Saint Andrews, FL

Housing Trends

Median Sale Price
$168,000
Median Single Family Sale Price
$249,000
Median Townhouse Sale Price
$238,000
Median 2 Bedroom Sale Price
$175,000
Median 1 Bedroom Sale Price
$108,500
Average Price Per Sq Ft
$227
Number of Homes for Sale
19
Last 12 months Home Sales
23
Months of Supply
9.90
Median List Price
$244,000
Median Change From 1st List Price
6%
Median Home Sale Price YoY Change
-64%
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