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.

1379 Properties
Page 1 of 39
$372,900
Neighborhood: Sudduths 1st Add
3
Beds
2
Baths
1,950
Sq.Ft.
1950
Year Built
1
Day on Site
728200
MLS
Make an offer! Ask about Seller financing! Come see this beautiful recently remodeled 3 bedroom, 2 bath Cove home. The freshly painted exterior of the home is lovely but the size (nearly 2,000...
$580,000
Neighborhood: Sweetbay
3
Beds
2F11/2
Baths
2,293
Sq.Ft.
2020
Year Built
1
Day on Site
728938
MLS
This home is perfectly crafted to cater to your family, in the highly sought-after neighborhood, Sweet Bay.
$335,000
Neighborhood: Baywood Shores Est Unit 2
4
Beds
3
Baths
2,769
Sq.Ft.
1972
Year Built
1
Day on Site
732921
MLS
**Large 4 bedroom 3 bath home situated on .712 acre of land in the heart of desirable Lynn Haven.** This home has so much space to offer with a large family room with a wall of built in's to display...
$345,900
Neighborhood: Park Place Phase 1
4
Beds
3
Baths
1,833
Sq.Ft.
2022
Year Built
1
Day on Site
732922
MLS
*** MOVE IN READY HOME WITH COMMUNITY POOL *** 4 Bedrooms, 3 Baths, this Rushmore open floor plan home is a must-see, with a stunning interior featuring 10' high ceilings in the main living areas and...
$370,000
Neighborhood: Maegan's Ridge
4
Beds
2F11/2
Baths
1,965
Sq.Ft.
2021
Year Built
1
Day on Site
732929
MLS
4 bedroom, 2.5 bath home with a 2 car garage situated at the end of peaceful cul-de-sac in Meagans Ridge. Home opens up to a spacious living. The main floor also includes a beautiful kitchen with...
$259,900
Neighborhood: Drummond & Ware Add
2
Beds
2
Baths
960
Sq.Ft.
2022
Year Built
2
Days on Site
732859
MLS
Here is your chance to own a 2 bedroom, 2 bath home close to GCSC, 23rd St, St Andrews as well as both military bases. This home was well constructed by a local well known builder with NO CORNERS...
2
Beds
1F11/2
Baths
1,088
Sq.Ft.
1982
Year Built
2
Days on Site
732863
MLS
This cozy townhome is the perfect beach getaway or short term rental located in the heart of Panama City Beach. You're just steps away from the white sandy beach and within walking distance of...
$399,999
Neighborhood: Forest Park East
4
Beds
2
Baths
2,095
Sq.Ft.
1982
Year Built
2
Days on Site
732864
MLS
Take a look at this centrally located 4 bedroom 2 bathroom home in Forest Park! In ground pool has recently been resurfaced, new LVP flooring in living room, new sprinkler system, roof vent has been...
$599,000
Neighborhood: Palmetto Trace Phase 1
4
Beds
4
Baths
2,853
Sq.Ft.
2007
Year Built
2
Days on Site
732870
MLS
***ORIGINAL PALMETTO TRACE MODEL HOME*** 4bd(w/office), 4bath corner home in the perfect location!! Palmetto Trace is arguably the best located community in Panama City Beach. 1/2 mile from the...
$399,000
Neighborhood: Pinnacle Port Phase 1-A
1
Beds
2
Baths
887
Sq.Ft.
1970
Year Built
2
Days on Site
732872
MLS
Enjoy wonderful Gulf and beach front views from your balcony. This one bedroom/2 bath Townhouse-style unit in Pinnacle Port's Tower Building also has fantastic views of beautiful Lake Powell (the...
$399,900
Neighborhood: Holiday Beach Unit 8
3
Beds
1F11/2
Baths
1,200
Sq.Ft.
1982
Year Built
2
Days on Site
732876
MLS
No HOA dues. Walking distance to the white sandy beaches using public beach access 12. 2 public boat ramps close by. This Townhome will not disappoint. Currently used as a Vacation Rental with great...
$229,900
Neighborhood: No Named Subdivision
4
Beds
2
Baths
1,560
Sq.Ft.
2019
Year Built
2
Days on Site
732877
MLS
2019 Double wide on over an acre of land. $36k in solar pales mounted in the back yard and paid off, you won't have to worry about those high power bills! This property also includes 3 sheds, 2...
$240,000
Neighborhood: Mill Point
3
Beds
2
Baths
1,129
Sq.Ft.
2022
Year Built
2
Days on Site
732878
MLS
ZILLOW HAS WRONG LOCATION NOT ON BEACH SIDE address is 3529 Mill Point Cove Panama City Fl 32404, Bay Counties newest community has come to life, These All Brick homes are built by one of Bay...
$297,825
Neighborhood: Lannie Rowe Lake Ests
4
Beds
2
Baths
1,805
Sq.Ft.
1973
Year Built
2
Days on Site
730598
MLS
Seller offering up to $15K to buyer's closing costs - including any points to reduce an interest rate!Completely gutted and remodeled in 2020. Floor plan rearranged to allow for an open floor plan...
$544,900
Neighborhood: No Named Subdivision
3
Beds
2
Baths
1,542
Sq.Ft.
1989
Year Built
2
Days on Site
731250
MLS
Looking for a rare find? A turn key home in Mexico Beach on a large lot--This beautiful, two-story home is just a short distance (approximately 0.25 miles) to Mexico Beach's most scenic coastline....
$385,000
Neighborhood: Whisper Dunes
3
Beds
2F11/2
Baths
1,560
Sq.Ft.
2009
Year Built
2
Days on Site
732060
MLS
This immaculate 3 bedroom, 2.5 bath townhome is nestled in the sought after community of Whisper Dunes and located only a short distance to Pier Park, 30A, the new International Airport and the...
$699,900
Neighborhood: [No Recorded Subdiv]
4
Beds
3
Baths
1,950
Sq.Ft.
2022
Year Built
2
Days on Site
732764
MLS
.2 miles from the CLOSEST BEACH ACCESS or less than 1 min away. This beautifully built 4 bd 3 ba beach house was just completed. It has 10ft recessed ceilings in the LR, kitchen and master bedroom....
$269,999
Neighborhood: Top Of The Gulf Condo.
1
Baths
489
Sq.Ft.
1976
Year Built
2
Days on Site
732861
MLS
Gulf of Mexico. Open the new windows and smell the ocean air. Right on the Beach. Top of The Gulf is a polished Gem, with mature manicured landscaping! Have this one for your friends and family, or...
$322,500
Neighborhood: Top Of The Gulf Condo.
1
Baths
489
Sq.Ft.
1976
Year Built
2
Days on Site
732862
MLS
Gulf of Mexico -Legacy Unit. On the coveted side. Open the new windows and smell the ocean air. Right on Beach not across the street. Top of The Gulf is a polished Gem, with mature manicured...
$350,000
Neighborhood: Mill Point
3
Beds
2F11/2
Baths
1,758
Sq.Ft.
2022
Year Built
2
Days on Site
732879
MLS
ZILLOW HAS LOCATION WRONG NOT BEACH SIDE Address is 3545 Mill Point Cove Panama City FL 32404, Bay Counties newest community has come to life, These homes are built by one of Bay Counties most sought...
$199,950
Neighborhood: Parker
2
Beds
1
Baths
838
Sq.Ft.
2000
Year Built
2
Days on Site
732881
MLS
This very well kept, and incredibly maintained home is only half a block from brillianrt waters of the Bay. Features include a newer A/C system, a new metal roof, new flooring, and paint. This...
$399,000
Neighborhood: College Point
3
Beds
2
Baths
2,046
Sq.Ft.
1972
Year Built
2
Days on Site
732885
MLS
Beautiful, completely remodeled, 3 bedrooms, 2 bath home in Lynn Haven. The home has a large, 400sqft, bonus room, that could be used as a bedroom (4th). This home sits on almost an ACRE of land....
$320,000
Neighborhood: Gulf Highlands Beach Resort
2
Beds
1F11/2
Baths
972
Sq.Ft.
1985
Year Built
2
Days on Site
732887
MLS
Wonderful opportunity to own this well maintained End unit townhome in the heart of PCB. Welcome to Gulf Highlands Beach Resort. One of the most desirable complex known for it's amenities, close to...
$375,000
Neighborhood: Gulf Highlands Unit-1
3
Beds
1F11/2
Baths
1,596
Sq.Ft.
1976
Year Built
2
Days on Site
732888
MLS
Adorable West end home with NO HOA and SHORT TERM RENTALS allowed! This 3 bedroom 1 1/2 bath is the perfect place to make an adorable beach getaway. Huge fireplace in the living room and spacious...
$455,900
Neighborhood: [No Recorded Subdiv]
3
Beds
2F11/2
Baths
1,586
Sq.Ft.
2021
Year Built
2
Days on Site
732891
MLS
This is a wonderful neighborhood with 23 homes. This home has it all: Metal roof, tastefully decorated, high ceilings, 8 foot doors, tiled showers, custom cabinets, Quartz countertops, Stainless...
$240,000
Neighborhood: Villas At Suncrest
2
Beds
2
Baths
1,299
Sq.Ft.
2008
Year Built
2
Days on Site
732897
MLS
Rarely on the market! This 2 bedroom, 2 full bath condo features a private garage with room for storage within a gated community! No short term rentals allowed means you will know your neighbors....
$630,000
Neighborhood: Leeward/Windward Condo
2
Beds
2
Baths
1,284
Sq.Ft.
1982
Year Built
2
Days on Site
732899
MLS
4th floor LOW DENSITY BUILDING! Edgewater GULF FRONT ~ END UNIT ~ NO Parking Garage ~ Awesome Views ~ Listen to the Waves. 2 Bedroom with 2 Baths in the coveted Edgewater Beach Resort. Living Rm,...
$237,000
Neighborhood: Callaway Corners
3
Beds
2
Baths
1,121
Sq.Ft.
2008
Year Built
2
Days on Site
732900
MLS
A great opportunity to own a home located near TAFB in the bright and cheery community of Callaway Corners. The home features a large front porch which diagonally faces a neighborhood green area. The...
$350,000
Neighborhood: Ashland
3
Beds
2
Baths
1,848
Sq.Ft.
1956
Year Built
2
Days on Site
732902
MLS
PICS ARE FROM EARLIER MOVE IN.Fantastic 3br/2ba fully remodeled home in the serene Ashland neighborhood nestled along the beautiful St Andrews Bay. Within the last 3 years; this beautiful home boasts...
$270,000
Neighborhood: No Named Subdivision
3
Beds
2
Baths
1,120
Sq.Ft.
2022
Year Built
2
Days on Site
732903
MLS
Brand New Construction Home set to be complete November 1, 2022.Built by Ryan Construction, Premier local Builders. Please see 4035 Easy St. Southport Fl listing, MLS # 731768 it will look very much...
3
Beds
2
Baths
1,863
Sq.Ft.
2022
Year Built
2
Days on Site
732907
MLS
Harris Doyle Homes offers the Hillsboro plan in waterfront SweetBay. This charming home features an open kitchen with a slide-in gas range, built in microwave, stunning designer range hood and under...
$249,900
Neighborhood: Cove
4
Beds
2
Baths
1,296
Sq.Ft.
1944
Year Built
2
Days on Site
732910
MLS
THE THREE MOST IMPORTANT WORDS IN REAL ESTATE??? LOCATION; LOCATION; OPPORTUNITY!!!!__ As For LOCATION: This home is in the Very Popular Cove neighborhood of Panama City, Florida. Everything is...
$230,000
Neighborhood: Fontainebleau Terrace
1
Baths
330
Sq.Ft.
1965
Year Built
2
Days on Site
728783
MLS
Have you been looking for a retirement vacation home? The secret is out! Panama City Beach is now the unforgotten emerald coast. This beautifully renovated unit has uncovered the gorgeous concrete...
$215,000
Neighborhood: [No Recorded Subdiv]
3
Beds
2
Baths
1,592
Sq.Ft.
1980
Year Built
2
Days on Site
728929
MLS
This 3bedroom 2 full bath single family home is the perfect opportunity to make it become anything you want. There is a shed and extra pool house, fenced in back yard, and plenty of parking room.Home...
2
Beds
2
Baths
1,146
Sq.Ft.
2005
Year Built
2
Days on Site
732916
MLS
Whether you're looking for an income producing property or a quiet place to live your bestbeach life, you'll fall in love with this ocean front condo in Emerald Isle Resort! Step inside this two...
$499,900
Neighborhood: Lyndell Plantation
3
Beds
3
Baths
1,633
Sq.Ft.
2004
Year Built
3
Days on Site
732651
MLS
COASTAL CHARM best describes Lyndell Plantation with its metal rooftops, pastel colors & it's just a golf cart ride to the beach! Quiet, friendly community where neighbors wave from their bikes as...

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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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