First-Time Home Buyers

If you are a first-time home buyer, use the guide below for helpful hints and tips and learn how to avoid common mistakes when buying your first home in Panama City Beach, FL.

  • Pre-Qualification: Meet with a mortgage broker and find out how much you can afford to pay for a home.
  • Pre-Approval: While knowing how much you can afford is the first step, sellers will be much more receptive to potential buyers who have been pre-approved. You'll also avoid being disappointed when going after homes that are out of your price range. With Pre-Approval, the buyer actually applies for a mortgage and receives a commitment in writing from a lender. This way, assuming the home you're interested in is at or under the amount you are pre-qualified for, the seller knows immediately that you are a serious buyer for that property. Costs for pre-approval are generally nominal and lenders will usually permit you to pay them when you close your loan.
  • List of Needs & Wants: Make 2 lists. The first should include items you must have (i.e., the number of bedrooms you need for the size of your family, a one-story house if accessibility is a factor, etc.). The second list is your wishes - things you would like to have (pool, den, etc.) but that are not absolutely necessary. Realistically for first-time buyers, you probably will not get everything on your wish list, but it will keep you on track for what you are looking for.
  • Representation by a Professional: Consider hiring your own real estate agent, one who is working for you, the buyer, not the seller.
  • Focus & Organization: In a convenient location, keep handy the items that will assist you in maximizing your home search efforts. Such items may include:
  1. One or more detailed maps with your areas of interest highlighted.
  2. A list or file of the properties that your agent has shown to you.
  3. Paper and pen for taking notes as you search.
  4. A camera to snap pictures of homes you have toured to help you remember your favorites and features you really liked.
  • Visualize the house empty & with your decor: Are the rooms laid out to fit your needs? Is there enough light?
  • Be Objective: Instead of thinking with your heart when you find a home, think with your head. Does this home really meet your needs? There are many houses on the market, so don't make a hurried decision that you may regret later.
  • Be Thorough: A few extra dollars well spent now may save you big expenses in the long run. Don't forget such essentials as:
    1. Include inspection & mortgage contingencies in your written offer.
    2. Have the property inspected by a professional inspector.
    3. Request a second walk-through to take place within 24 hours of closing.
    4. You want to check to see that no changes have been made that were not agreed on (i.e., a nice chandelier that you assumed came with the sale having been replaced by a cheap ceiling light).

All the above may seem rather overwhelming. That is why having a professional represent you and keep track of all the details for you is highly recommended. Please contact us directly to discuss any of these matters in further detail.

717 Properties
Page 1 of 20
$360,000
Neighborhood: Hammocks Phase III
4
Beds
2
Baths
1,942
Sq.Ft.
2004
Year Built
2
Days on Site
727097
MLS
Perfect home on a cul-de-sac and pond out back with a quiet conservation area next to the home. Open and bright with new carpeting throughout, new interior paint throughout, new garage door 2020, AC...
$275,000
Neighborhood: Hannover Estates
3
Beds
2
Baths
1,724
Sq.Ft.
1995
Year Built
2
Days on Site
727102
MLS
LIKE BRAND NEW!! Gorgeous, open floor plan, stainless steel appliances, quartz countertops, fenced back yard - this one has it all!! Literally taken down to the studs, and rebuilt...new roof, new...
$315,000
Neighborhood: Grimes Callaway Bayou Est U-3
4
Beds
2
Baths
2,011
Sq.Ft.
1981
Year Built
2
Days on Site
724643
MLS
BACK ON THE MARKET-- 4 BEDROOM All-brick home in Callaway Bayou Estates, beautifully remodeled from top to bottom. MOVE-IN READY for you! Livingroom has bay window overlooking back yard. Large Family...
$750,000
Neighborhood: [No Recorded Subdiv]
3
Beds
3
Baths
2,317
Sq.Ft.
1979
Year Built
2
Days on Site
727107
MLS
Dont let outside fool you were in the middle of a facelift! Huge twnhome with 3 master bedrooms and now added bunkroom. View of Gulf from balcony and few steps to sand and surf!!! New ac after...
$175,000
Neighborhood: East Bay Park
3
Beds
2
Baths
910
Sq.Ft.
2020
Year Built
2
Days on Site
727108
MLS
Fully furnished 3 bedroom 2 bath move in ready mobile home with built in surround, sound, City water and public sewer connected. short term rental options, close to Tyndall Air Force Base. Tools and...
$395,000
Neighborhood: [No Recorded Subdiv]
5
Beds
3
Baths
2,787
Sq.Ft.
1984
Year Built
2
Days on Site
727109
MLS
You'll feel at home as soon as you walk into this beautiful five bedroom, three full baths with an office, this home has plenty of room for the whole family! First floor features are an open floor...
$359,900
Neighborhood: Britton Woods
3
Beds
2
Baths
1,612
Sq.Ft.
2002
Year Built
2
Days on Site
727110
MLS
College Point area, cul-de-sac street, great location! Super floor plan with a great flow! This 3/2 brick home semi open floor plan features tile flooring throughout except living room and bedrooms,...
$585,000
Neighborhood: Laketown Wharf
3
Beds
3
Baths
1,681
Sq.Ft.
2008
Year Built
2
Days on Site
727116
MLS
Amazing 3 bed/3 FULL bath PLUS a Bunk Room! Patio runs the length of the unit with access from living room and Master with Gulf View! Fully Furnished. Laketown Wharf is what resort living is all...
$310,000
Neighborhood: Callaway Shores U-1
3
Beds
2
Baths
1,886
Sq.Ft.
1975
Year Built
2
Days on Site
727118
MLS
Great opportunity to own this 3-bedroom 2 bath all brick home sitting on a large corner lot located in Callaway Shores, close to Tyndall AFB, Eastern Ship Building, Byrd Pipe, and the colleges. The...
$158,000
Neighborhood: Emerald Pointe Resort
1
Beds
1
Baths
408
Sq.Ft.
2004
Year Built
2
Days on Site
727123
MLS
Are you looking for a move-in ready home located in Emerald Pointe Resort, one of the highly sought-after communities in Panama City Beach? Look no further! This one bedroom, one bath home has been...
$250,000
Neighborhood: [No Recorded Subdiv]
3
Beds
2
Baths
1,344
Sq.Ft.
2004
Year Built
2
Days on Site
727125
MLS
Country living at a GREAT PRICE! Welcome to 8818 Highway 2301, this beautifully updated, move in ready home is ready for its new owner. The kitchen has been completely updated with solid wood...
$515,000
Neighborhood: Grand Lagoon Shores 1
4
Beds
3
Baths
2,170
Sq.Ft.
2000
Year Built
2
Days on Site
727126
MLS
Privacy and yet close to everything this area has to offer, this 4 bedroom 3 bath pool home is located on a cul de sac in Grand Lagoon Shores. The main home has 3 bedrooms and 2 baths; Open living...
$420,000
Neighborhood: Sunbird Condo
1
Beds
1
Baths
609
Sq.Ft.
1984
Year Built
2
Days on Site
727132
MLS
Enjoy breathtaking views, as this unit is located directly on the Gulf! This unit boasts over 600 sqft of heated and cooled space along with 1 bedroom and 1 bathroom. Newly renovated! This unit also...
$480,000
Neighborhood: Whisper Dunes
3
Beds
2
Baths
1,616
Sq.Ft.
2016
Year Built
2
Days on Site
727134
MLS
Well maintained 3bd/2ba home in the popular Whisper Dunes neighborhood located on the west end of Panama City Beach. Close to the beach and Pier Park. Enjoy living on one level. Neutral colors...
$689,000
Neighborhood: Linkside At Wild Heron
3
Beds
2
Baths
2,346
Sq.Ft.
2005
Year Built
2
Days on Site
727141
MLS
ATTENTION NATURE LOVERS! All the convenience and amenities of a condominium with the comforts and privacy of a single-family home is here at Linkside in Wild Heron. Step into this Coastal Retreat!...
$354,999
Neighborhood: Camryn's Crossing
3
Beds
2
Baths
1,942
Sq.Ft.
2005
Year Built
2
Days on Site
727145
MLS
Great brick home, features formal living room & dining room, kitchen w/ breakfast bar, solid surface counter tops, 2 pantries, stainless appliances, Large separate laundry room. Kitchen opens to the...
$499,000
Neighborhood: Regency Towers
3
Beds
2
Baths
1,352
Sq.Ft.
1982
Year Built
3
Days on Site
727037
MLS
Gorgeous sunset views!!! West facing condo at Regency Towers. Updated flooring with durable luxury vinyl plank! Bathrooms have been updated with new tile and vanities. Living room and Main bedroom...
$565,000
Neighborhood: Laguna Beach Estates 8th Add
2
Beds
2
Baths
1,144
Sq.Ft.
2022
Year Built
3
Days on Site
727040
MLS
Under Construction and waiting for you. This Craftman Beach House will be completed soon. Golf Cart friendly Laguna Beach. Take that short ride to the fluffy white sands of the Gulf of Mexico. Short...
Open 5/28
10812 Cedar Ridge Ln Southport, FL 32409
$450,000
Neighborhood: Cedar Creek Chase
4
Beds
3
Baths
2,393
Sq.Ft.
2006
Year Built
3
Days on Site
727059
MLS
A rewarding escape peacefully tucked away in Cedar creek Chase. As you enter This immaculate 4 bd 3 bth house you will be greeted with a spacious floor plan of 2,393 sq ft. Upon entering you will...
$225,000
Neighborhood: No Named Subdivision
3
Beds
2
Baths
1,304
Sq.Ft.
2007
Year Built
3
Days on Site
727057
MLS
Very spacious floor plan that includes an eat-in kitchen, vaulted ceilings, plenty of closet space and a garage. Home as a new roof that was installed in 2019. The home is right next to Callaway...
$254,900
Neighborhood: No Named Subdivision
3
Beds
2
Baths
1,305
Sq.Ft.
1975
Year Built
3
Days on Site
727058
MLS
This is a must see home that has been completely remodeled. Kitchen features shaker cabinets with waterfall granite countertops, there is also a 60'' island in the kitchen with accent lighting. Both...
$365,000
Neighborhood: Gulf Highlands Unit-2
3
Beds
2
Baths
1,114
Sq.Ft.
1985
Year Built
3
Days on Site
727064
MLS
***Fantastic Beach Home in immaculate condition that is centrally located and just minutes from Pier Park and the World's Most Beautiful Beaches. This 3/2, has a single car garage, widened driveway...
$565,000
Neighborhood: Shores Of Panama
2
Beds
3
Baths
1,148
Sq.Ft.
2007
Year Built
3
Days on Site
722676
MLS
Come enjoy the beautiful views and let the sunshine on your face sitting on the private balcony of this awesome rental machine. This unit has 2 master bedrooms with sunset and Gulf views from both...
$545,000
Neighborhood: Fanning Bayou Phase 2
4
Beds
3F11/2
Baths
3,128
Sq.Ft.
2017
Year Built
3
Days on Site
723054
MLS
REDUCED $10,000. MOTIVATED SELLER! Absolutely beautiful home with 4 Bedrooms and 3.5 baths. Lots of extra parking for RV or boat. Waterview to the Bayou and just steps away. Lots of concrete...
Open 5/28
2400 Grandiflora Blvd #E609 Panama City Beach, FL 32408
$499,900
Neighborhood: Magnolia Bay Club
3
Beds
3
Baths
1,823
Sq.Ft.
2008
Year Built
3
Days on Site
727054
MLS
Magnolia Bay Club is a quiet gated community with spectacular views! 3BR/3BA plus office 1,823 SF, one of the largest floor plans offered at Magnolia Bay. You will love the double glass sliders in...
$550,000
Neighborhood: Riviera Beach
2
Beds
2
Baths
1,496
Sq.Ft.
1975
Year Built
3
Days on Site
727070
MLS
Are you ready to move to Caribbean? Here is your opportunity!! Make this home your full time residence, second home or investment property. Short term rentals allowed and No HOA. This cozy and...
$350,000
Neighborhood: Hiland Hills
3
Beds
2
Baths
2,115
Sq.Ft.
1987
Year Built
3
Days on Site
727074
MLS
This is the one you have been waiting for. This home truly has it all! A large family room, office, open floor plan with a great flow from the living room through the dining area straight back to...
$359,900
Neighborhood: Emerald Lake Estates
2
Beds
2
Baths
1,332
Sq.Ft.
1991
Year Built
3
Days on Site
727078
MLS
READY TO MOVE IN! 4 Blocks from the Beach this will make a great Short Term Rental Property. Private back yard with screened in back patio Lanai and Privacy fence. Lake right behind home so never any...
$375,000
Neighborhood: Lynn Haven
4
Beds
2
Baths
2,078
Sq.Ft.
2002
Year Built
3
Days on Site
727081
MLS
This completely renovated 4 bedroom, 2 full bath home in central Lynn Haven is ready for your family. Kitchen has new stainless appliances including a Bluetooth refrigerator. Other features include...
$699,900
Neighborhood: Bid-A-Wee Beach
3
Beds
2
Baths
1,646
Sq.Ft.
1944
Year Built
3
Days on Site
727083
MLS
Wonderful Beach Home that has Just gone thru an extensive Remodel .Perfect Location for Short Term Rental ,Second Home or Primary Home. 1 block to Bid a Wee Dedicated Beach where you have Coded...
$325,000
Neighborhood: Palmetto Trace
2
Beds
2
Baths
1,169
Sq.Ft.
2003
Year Built
3
Days on Site
727085
MLS
2BD TOWNHOME IN PALMETTO TRACE. This floor plan rarely comes available! Its unique layout consists of 2 bedrooms on one level, plus a garage. This is an end unit w/ a screened-in covered porch out...
$695,000
Neighborhood: Miller's Landing on Lake Powell
4
Beds
3
Baths
1,946
Sq.Ft.
2020
Year Built
3
Days on Site
727087
MLS
LAKEFRONT LIVING AT IT'S BEST! Miller's Landing is tucked away in a beautiful waterfront community on Lake Powell. Enjoy the relaxed lifestyle of boating, kayaking or paddle boarding with quick...
$369,000
Neighborhood: Sunbird Condo
1
Beds
1
Baths
609
Sq.Ft.
1984
Year Built
3
Days on Site
727090
MLS
Panama City Beach... Meet Old World Nautical Charm! Come visit this beauty on the beach and enjoy this nautical theme! Tastefully decorated with cute features that you would really enjoy. And better...
$459,000
Neighborhood: Grand Panama Beach Resort
1
Beds
2
Baths
903
Sq.Ft.
2007
Year Built
3
Days on Site
727091
MLS
Grand Panama Resort is one of the top Premier Resort in PCB. This condo comes fully furnished and features granite countertops and stainless appliances to the tile baths - you will not find a better...
$744,300
Neighborhood: Watercrest Condo
2
Beds
2
Baths
1,441
Sq.Ft.
1987
Year Built
3
Days on Site
727092
MLS
ATTENTION ALL INVESTORS... DON''T MISS OUT!!! Spectacular views of the Gulf with this gorgeous totally renovated condo from floor to ceiling. This condo is RENTAL READY!!! There are upgrades and...
$399,000
Neighborhood: Cove Terrace 3rd Add
4
Beds
3
Baths
2,382
Sq.Ft.
1952
Year Built
4
Days on Site
726635
MLS
Large 4-bedroom 3-bath cove home that has been gutted to the studs and completely remodeled. Complete and quality renovation! Everything is new or updated: roof (with hurricane clips), insulation,...

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Phone(850) 896-6136

Emailjessica.virgarealty@gmail.com

Address Jessica Diliberto
BK 3304318
Virga Realty, Inc.
2524 Pelican Bay Ct
Panama City Beach, FL 32408

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