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Holiday rentals with lake access in Panama City Beach

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Top-Rated Accommodation with Lake Access in Panama City Beach

Guests agree: These options for accommodation with lake access are highly rated for location, cleanliness and more.

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Top Guest favourite
A contemporary kitchen features light cabinetry and a spacious countertop adorned with a granite surface. Modern appliances are seamlessly integrated, including an oven and a stovetop. Stylish pendant lights provide illumination above the counter where three bar stools are arranged.
Townhouse in Rosemary Beach
4.99 out of 5 average rating, 133 reviews

Lux 30A Town Hm, Heated Pool, CART, Beach & Dining

Stay right on Scenic 30A in this Luxury Getaway & your family will be close to everything with a centrally-located villa. 30A Sandpiper perfectly interprets the Emerald Coast Seaside Spirit 🏖️ a peaceful retreat nestled along the most beautiful beaches in the Gulf of America 🇺🇸. Across 30A is The Big Chill, a 1st-class entertainment district with lots of f/b options. Master BR1 ensuite has spa-like bathroom. 2nd MBR & Great Room each offers balcony access. Property includes 5 ⭐️ Resort Style POOL

Superhost
A large, inviting pool area is surrounded by lush landscaping, including palm trees and well-kept shrubs. Comfortable lounge chairs are positioned near the edge of the pool, with a spacious deck leading to the water. In the background, a tall building is visible against a clear blue sky.
Condo in Panama City Beach
4.69 out of 5 average rating, 286 reviews

balcony • sauna • dock • 1 block to beach • pool

AGE REQUIREMENT: 25+ ALL OCCUPANTS (except child w/parents) MAX OCCUPANCY: 3 total ***Click "show more" below, & flip through the 60+ pix.*** Large furnished studio condo within St. Thomas Square Resort. The resort has extensive amenities & is in a great location on the main strip. It has a large closet, kitchen, TV, Roku, AC, WiFi & balcony. The resort is on the bay lagoon & about a block from the closest public beach access point. It's close to restaurants, nightlife, activities, Walmart, etc.

Superhost
A spacious studio features a comfortable sofa and a large bed. Natural light enters through sliding glass doors, revealing a serene view of the lake. Decorative elements, including framed artwork and a cozy area rug, enhance the inviting ambiance.
Condo in El Centro Beach
4.85 out of 5 average rating, 124 reviews

Casa Sol - Bright, Renovated, Studio by The Beach.

Updated, first floor studio, with all the comfort and amenities you'll need for your visit to the Beach. Have your coffee on the back porch looking onto the lake or take a 3 minute stroll across the street to the beach. Take a dip in the pool. Pier Park is 5 minutes away and has everything you would need. (Target, Fresh Market, endless food and bars). Rosemary is a 10 minute drive. 15 minutes to the airport. Enjoy the best parts of the beach and surrounding areas from here with ease.

Top Guest favourite
The sleeping area features a spacious bed adorned with crisp white linens and decorative throw blankets. Natural light fills the room through large windows draped with sheer curtains, while a cozy dining set is positioned nearby, integrating a relaxed coastal aesthetic.
Condo in Inlet Beach
4.99 out of 5 average rating, 168 reviews

FlipFlopsOn II • 80 steps to the Beach • FL 30A

Recommended by ‘TRAVEL + LEISURE’, FlipFlopsOn II is 80 steps to Inlet Beach, one of FL’s most beautiful white-sand Gulf Coast beaches! This dreamy full studio sleeps 4 (4 beds), & sits beachside of the 30A National SCENIC BYWAY adjacent to Lake Powell; walk/bike to Inlet, Alys & Rosemary Beach dining & entertainments Featuring a clean Cali-Florida vibe, POOL, GRILL, beach gear, fast wi-fi, smart TV, fully-equipped kitchen, & sunsets from your private patio! Park your car, walk everywhere!

Top Guest favourite
A pool area features a large, inviting swimming pool adorned with lounge chairs under a bright blue sky. Nearby, beach loungers with an umbrella are visible on a sandy beach, providing a relaxing spot for sunbathing.
Condo in Sunnyside
4.89 out of 5 average rating, 141 reviews

Fins Up Carillon/Snowbirds welcome/Lakefront 30a

Welcome to Fins Up @Carillon. Minutes to Rosemary, Seaside, Pier Park, St Andrew’s Park. Newly renovated studio with full kitchen,king bed, pullout sofa & twin air mattress. Perfect location mins to 30A activities/ 15 mins to Pier Park. 5 pools onsite (1 heated), hot tub, playground, tennis/pickleball/basketball courts, 8 beach access points. General store onsite with bike rentals. Condo backs to Lake with a 5-7 minute walk to beach. No traffic here, private beach. Snowbirds welcome

Superhost
A light-filled living area showcases a spacious sectional sofa, complemented by a decorative pillow. Large glass doors open to a scenic view, offering glimpses of the outdoors. A faux tree and television unit are positioned thoughtfully within the room.
Condo in Panama City Beach
4.87 out of 5 average rating, 104 reviews

Sun-Believable Penthouse Views Above PCB

ITS SUNBELIVABLE!! SUPER HOSTED! NEW LVP THROUGHOUT- FRESH photos!This fresh 2 BDR plus bunk room and 2 full bath VIEWS will AMZ YOU! Spacious and family friendly! OVERSIZED BALCONY with amazing boardwalk views of wildlife, water light shows, and entertainment! OUTDOOR and INDOOR space for the whole family with your comfort in mind! THE RESORT is all the fun N sun with 5 pools (1 heated), 2 oversized hot tubs, many restaurants, ice cream shop, full-service salon and more-BOOK NOW!

Top Guest favourite
A balcony is seen with two blue chairs and a small table, overlooking the Gulf of Mexico. The vibrant blue of the water contrasts with the white sandy beach below, offering expansive views of the shoreline and horizon.
Condo in Sunnyside
4.95 out of 5 average rating, 175 reviews

Pelican Perch, Breathtaking Views, Couples Retreat

Amazing Views, Gulf front and may be the best view on the far West Side of Panama City Beach near 30A, expansive dedicated beach adjoins Camp Helen State Park, couples retreat at Pinnacle Port.. close to 30A, Carillon, Rosemary etc. 3rd adult or child on pullout sofa. Penthouse Level (floors 11/12 midrise) townhouse style ~ 900 sq ft., true paradise, beachfront balcony, Gulf views all rooms.. (couple or 3 adults or 2 adults and supervised older child) - beach chairs & umbrella

Top Guest favourite
The exterior of the cottage is framed by lush greenery, with a wooden fence leading to the entrance. A spacious deck is visible, featuring outdoor seating and a barbecue grill. The colorful siding of the house complements the surrounding landscape.
Cottage in Laguna Beach on the Gulf of Mexico
4.99 out of 5 average rating, 298 reviews

Hidden Treasure - Perfect blend of Quaint & Quiet!

Hidden Treasure is just steps to PCB's beautiful beach! Pet friendly - $75 per pet fee. A dedicated beach w/no homes or hotels on the beach side. The cottage is nestled on a small lake and offers private/comfortable outdoor sitting areas with a lake view, a beach view and beautiful sunsets! Dedicated parking, fully equipped kitchen, large screen TV & WiFi. A block from Thomas Donuts and The Carousel (has everything you need for any length of stay). 2.5 miles from Pier Park.

Top Guest favourite
The living area features a cozy sectional sofa paired with a round coffee table, all against a vibrant beach-themed accent wall. Large floor-to-ceiling windows open to a balcony, showcasing stunning views of the ocean. Light wood flooring complements the coastal decor.
Condo in Panama City Beach
4.96 out of 5 average rating, 134 reviews

Boardwalk Beachfront Condo/2br+Bunks 2ba/Sleep 8

• Newly renovated Panama City Beach condo • Sleeps 8 • 17th floor with stunning views • Superhost's private beach condo• Boardwalk Beach Resort • Best beaches in the USA • Master bedroom has ensuite shower • Access to resort facilities including pools, 2 hot-tubs, splash pad, fitness center, restaurants and market • Easy to reach attractions including theme parks, golf, shopping ***Our resort requires the primary guest to be 25 years of age or older***

Guest favourite
Illuminated palm trees frame a serene lakeside setting at night. A covered cabana sits nearby, featuring seating arrangements. Soft lighting gently highlights the landscape, reflecting on the water, while a grassy area offers space for relaxation.
Cabin in Panama City
4.89 out of 5 average rating, 103 reviews

Cabin on Private Beach with Tiki Bar & Cabana

3 Queen beds, 2 bedrooms, queen futon sofa. Lake front, tiki bar with swings, covered cabana. Gated property for privacy. 20 minutes from Panama City Beach. Ten minutes from Ecofina Springs. Stone tiki kitchen with fireplace, pizza oven, open fire Argentine grill and smoker. Full bathroom on the beach equipped with a shower for easy shower. Beach side cabana with privacy shades, 10 inch mattress, 43 inch smart TV, wood fireplace.

Guest favourite
Condo in Panama City
4.9 out of 5 average rating, 199 reviews

Sugar Beach condo steps away from the ocean

Sugar Beach is a gated community, located close to family entertainment spots, nightlife, restaurants, shopping, and golf. No elevator waits or crowded beaches! From your covered patio enjoy the view of the freshwater pond or take a short walk to the pool, clubhouse, grill area, tennis courts, and the beach! You're just a short drive to St. Andrews State Park and several marinas.

Top Guest favourite
The exterior of the unit is shown, featuring a concrete driveway leading to the entrance. A fence borders the property, with a grassy area on the left. The building has a light-colored façade with a blue-pitched roof and a front door. A white picket fence is visible in the foreground.
Home in Biltmore Beach
4.98 out of 5 average rating, 186 reviews

The Sand Dollar • King Bed • 6 Min Walk to Beach!

THIS IS YOUR SIGN! • Welcome to the Sand Dollar! • Just steps away from the beach! (Beach access 9). Enjoy pulling right up to your door and staying in a quiet residential neighborhood, while still only being a 6 minute walk from the sandy beaches of PCB! This home is a hidden gem on the east end of PCB, where the beach meets the bay, and local favorites are all around.

Popular amenities for Panama City Beach lake access rentals

KitchenWi-FiPoolFree parking on premisesAir conditioning

Lake access house rentals

Superhost
A spacious living area features a light-colored sectional sofa adorned with soft cushions. A decorative coffee table sits on a colorful area rug, complemented by a small plant on a side table. Natural light streams through large windows, illuminating the cozy environment.
Home in Sunnyside
4.9 out of 5 average rating, 215 reviews

Free Golf Cart, 5 min to Beach, Community Pool

Luxe
An outdoor area features a heated saltwater pool surrounded by lounge chairs on green grass, inviting relaxation. A fire pit sits centrally, offering warmth. Multiple umbrellas provide shade, and a two-story house with large windows overlooks the space, promoting a welcoming atmosphere for gatherings.
Home in Santa Rosa Beach
4.74 out of 5 average rating, 23 reviews

Pool, Spa, Cold Plunge, LSV! Pets OK! Walk 2 Beach

Top Guest favourite
An aerial view captures a large swimming pool surrounded by lounge chairs and the expansive beach in the background. The pool area is bordered by palm trees and a fence. The beach is populated with beachgoers, with gentle waves lapping at the shore.
Home in Panama City Beach
5 out of 5 average rating, 66 reviews

Resort Family Fun 5 mn walk2 Bch, 2 pools back yd

Top Guest favourite
An inviting private pool area is showcased, featuring a rectangular salt-water pool surrounded by gray stone pavers. Four lounge chairs are arranged neatly beside the pool, with a palm tree adding a touch of greenery. A covered patio provides shaded seating options.
Home in Sunnyside
5 out of 5 average rating, 58 reviews

West End PCB • Private Pool • Baby • Near Beach

Guest favourite
The exterior of a modern beach home is illuminated in the evening, highlighting its clean lines and welcoming entrance. Palm trees are positioned on either side of the driveway, complementing the serene atmosphere of the neighborhood.
Home in Inlet Beach
5 out of 5 average rating, 23 reviews

"Sun Kissed" Gulf Views, Putting Green, Pool Table

Guest favourite
An open-concept living area features a cozy brown couch paired with a simple coffee table. A stylish circular shelf displays plants and decor. Light wood flooring complements the bright white walls, while natural light streams in through large windows, enhancing the spacious feel of the room.
Home in Sunnyside
5 out of 5 average rating, 18 reviews

30A Bungalow | Fenced Yard, Beach Access, Patio

Top Guest favourite
An open-concept kitchen features a glossy black countertop complemented by clear bar stools. A vibrant mural of tropical leaves in bright colors adorns one wall, adding a lively touch to the space. Pendant lights hang above, illuminating the inviting kitchen area.
Home in Sunnyside
4.98 out of 5 average rating, 142 reviews

Mini Golf, West End, 0.5 to Beach, By 30A, Backyar

Top Guest favourite
The exterior of a two-story home is displayed, featuring a spacious porch adorned with white railings. Palm trees frame the front yard. A soft pink and purple sunset paints the sky, highlighting the inviting white structure with numerous windows reflecting the dusk light.
Home in Sunnyside
4.94 out of 5 average rating, 84 reviews

Sweet Caroline

Lake access apartment rentals

Guest favourite
A bright dining area features a small table with two white chairs positioned by a large window. A potted plant sits at the center of the table, while the stunning view of the ocean stretches out beyond the window, showcasing vibrant blue and green hues.
Apartment in Sunnyside
4.83 out of 5 average rating, 36 reviews

Stunning fun-filled beachfront condo

Guest favourite
A balcony view is captured, featuring two patterned chairs and a small table. The ocean stretches in the background, showcasing varying shades of blue, while a coastal landscape is visible below, emphasizing the serene environment.
Apartment in Panama City Beach
4.89 out of 5 average rating, 126 reviews

1BD/2BA plus Bunk Room, Ocean Views & Heated Pool

Guest favourite
A spacious bedroom features a large bed with a white quilt and decorative pillows, complemented by bedside lamps. Floor-to-ceiling windows offer views of the ocean and access to a private balcony, while light curtains frame the windows, allowing natural light to brighten the room.
Apartment in Sunnyside
4.95 out of 5 average rating, 41 reviews

Emerald Coast Sea-renity.

Guest favourite
The studio features a cozy seating area, consisting of a plush sofa and an ottoman, positioned near a spacious queen-size bed. Light-colored curtains frame the windows, and a colorful wall art piece adds visual interest, creating a comfortable and inviting space.
Apartment in Sunnyside
4.96 out of 5 average rating, 70 reviews

Paradise in Pirates Cove

Top Guest favourite
A bright and welcoming primary suite features a spacious bed adorned with tropical bedding. A decorative ceiling fan adds a touch of elegance, while a large mirror reflects the light. The room leads to a hallway, providing glimpses of the nearby bathroom and exterior views.
Apartment in Sunnyside
4.96 out of 5 average rating, 45 reviews

The Palms I Gorgeous Condo with Gulf View

Guest favourite
A cozy bedroom features a spacious bed with crisp white linens, complemented by a soft throw blanket. Natural light enters through glass doors that lead to a private balcony, with a blue accent chair positioned nearby. The room is decorated with light blue walls and tasteful artwork.
Apartment in Sunnyside
4.92 out of 5 average rating, 13 reviews

Carillon Beach Resort ~ 5 min to 30A ~ 4 pools

Guest favourite
A spacious interior features a king-sized bed with light bedding and pillows. Soft lighting illuminates the area, highlighting a seating arrangement with two chairs and a round coffee table. A fully equipped kitchen is visible in the background, enhancing the open floor plan.
Apartment in Santa Rosa Beach
4.95 out of 5 average rating, 39 reviews

Prime 30A Location/Pool/ 150 Feet To Beach/Wi-Fi

Superhost
A comfortable bedroom features a spacious bed adorned with turquoise and white bedding. The walls display a vibrant blue accent with the word "BEACH" highlighted. Natural light enters through a window, while a ceiling fan offers a gentle breeze. A full-length mirror adds depth to the space.
Apartment in Sunnyside
4.67 out of 5 average rating, 6 reviews

Lakefront and Beachside Condo 2.5 Miles to 30A

Lake access cottage rentals

Top Guest favourite
An outdoor space is highlighted with paver stones, featuring a covered car parking area and a seating arrangement comprised of several outdoor chairs. Lush greenery and palm trees provide a backdrop, enhancing the open and expansive environment under a clear blue sky.
Cottage in Bid-a-wee Beach
5 out of 5 average rating, 11 reviews

Hideaway Cottage | Dog Friendly | Steps to Beach

Guest favourite
A bright and airy living area features a light-colored sofa and a round coffee table. Two unique chairs made of wood are positioned nearby. An entertainment unit displays a colorful TV screen, while a dining area with high chairs is visible in the background.
Cottage in Santa Rosa Beach
4.96 out of 5 average rating, 106 reviews

Seagrove Escape | Renovated & Snowbird-Friendly!

Guest favourite
A round table is set with a brightly colored floral tablecloth and surrounded by four black chairs on a wooden porch. A small vase with a plant and a decorative item are placed on the table, with a door and a light blue wall visible in the background.
Cottage in Santa Rosa Beach
4.76 out of 5 average rating, 34 reviews

Beachy Bungalow, Santa Rosa Beach, FL near Gulf

Top Guest favourite
A welcoming entryway is displayed, featuring a dark front door framed by a decorative light fixture above. A decorative bench is positioned against the wall, while art adorns the walls, adding charm to the space. Soft natural light filters through the door.
Cottage in Seagrove Beach
4.92 out of 5 average rating, 201 reviews

Seaside 30A "Hemingway Cottage" Close to Beach

Guest favourite
A welcoming porch features two comfortable chairs and a side table set on a striped rug. The walls are painted in a soft turquoise, with light streaming through the open door, revealing a glimpse of a bright kitchen area beyond.
Cottage in Laguna Beach on the Gulf of Mexico
4.91 out of 5 average rating, 44 reviews

Aquaman's Beach Cottage: Pawsitively Perfect Yard!

Guest favourite
A quaint outdoor space features a picnic table surrounded by gravel, ideal for gatherings. In the background, the serene lake reflects the soft hues of twilight, framed by trees and kayaks at the water's edge.
Cottage in Southport
4.94 out of 5 average rating, 32 reviews

4 Person Lake Front Cottage with Kayaks

Guest favourite
A wooden fence features a white house number sign, with purple flowers enhancing the outdoor space below. A wooden structure, possibly an outdoor shower or storage, is positioned above a small patio area. The house's exterior is light green, surrounded by natural landscaping and palm trees.
Cottage in Laguna Beach on the Gulf of Mexico
4.91 out of 5 average rating, 44 reviews

The Cottage on Alta Vista-so charming!

Superhost
A two-story cottage with gray siding and a light-colored roof features well-maintained landscaping. The home is set back from the street, surrounded by greenery and colorful blooming plants. A paved driveway leads to a garage door, enhancing the welcoming exterior.
Cottage in Rosemary Beach
4.73 out of 5 average rating, 15 reviews

30A Beach Access, Sea La Vie

When is the best time to visit Panama City Beach?

MonthJanFebMarAprMayJunJulAugSepOctNovDec
Avg. price$174 NZD$179 NZD$306 NZD$279 NZD$306 NZD$401 NZD$435 NZD$282 NZD$222 NZD$219 NZD$185 NZD$183 NZD
Avg. temp12°C14°C17°C20°C24°C27°C28°C28°C26°C22°C17°C14°C

Quick stats about holiday rentals with lake access in Panama City Beach

  • Total holiday rentals

    Explore 310 holiday rentals in Panama City Beach

  • Nightly prices starting at

    Panama City Beach holiday rentals start at $71 NZD per night before taxes and fees

  • Verified guest reviews

    Over 14,530 verified reviews to help you choose

  • Family-friendly holiday rentals

    230 properties offer extra space and kid-friendly amenities

  • Pet-friendly accommodation

    Find 40 rentals that welcome pets

  • Holiday rentals with a pool

    280 properties feature pools

  • Rentals with dedicated workspaces

    190 properties have a dedicated workspace

  • Wi-Fi availability

    300 of Panama City Beach holiday rentals include Wi-Fi access

  • Popular amenities for guests

    Guests love Kitchen, Wi-Fi and Pool across Panama City Beach rentals

  • 4.7 Average rating

    Panama City Beach stays receive an average rating of 4.7 out of 5 from guests

  • Nearby attractions

    Panama City Beach's top spots, include Frank Brown Park, Shipwreck Island Waterpark, and Coconut Creek Family Fun Park

Destinations to explore