Waterfront holiday rentals in Panama City

Find and book unique waterfront accommodation on Airbnb

Top-rated waterfront accommodation in Panama City

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

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Guest favourite
A round, turquoise table is surrounded by matching adirondack chairs on a wooden deck. A striped umbrella offers shade while the view of the sandy beach and turquoise ocean extends in the background under a clear blue sky.
Home in Treasure Island
4.9 out of 5 average rating, 144 reviews

Aqua-Holic Beach House Directly on the Beach!

This nostalgic beach front home overlooks the white sugar sand beaches of the Emerald Coast. With interior views of the ocean from the kitchen, living room, and both bedrooms, you are in for a treat! Private parking is right in front of the house, and you can enjoy one level throughout. If you have a large party, a 1 bedroom cottage is available on the same lot. **Note** The cottage is a separate listing and must be booked separately. You can find it under "Aqua-Holic Beach Front Cottage"

Top Guest favourite
A shaded outdoor area features a large umbrella over a chair, complemented by a variety of potted flowers along the path. In the background, a glimpse of water is visible, framed by palm trees and greenery.
Home in Panama City
4.89 out of 5 average rating, 109 reviews

Private beach/waterfront/rm for boat/views/dining

Whole house and Private Beach on W Beach Drive, Panama City's waterfront historic estates. No condo culture here. Bring your pet(s) $75 to your own unrestricted white sand beach with magnificent sunsets and views of Shell Island and the mouth of the gulf directly in front. Right in the middle between historic Downtown and St. Andrews - the best restaurants, marinas, and parks! Experience an estate amongst Panama City’s historical waterfront mansions. Super unique. Incredibly rare. All private.

Top Guest favourite
The view from a large window showcases a vibrant sunset over the bay. Two Adirondack chairs are positioned on a deck outside, framed by palm trees. The tranquil waters reflect hues of orange and pink, creating a serene atmosphere.
Home in Long Point Park
4.94 out of 5 average rating, 231 reviews

Bay Beach Bungalow waterfront family vacation home

Bring the whole family to your waterfront getaway. Enjoy your own St. Andrews Bay Beach access, including your own dock. Experience over water dining, fishing, sunbathing, Kayaking, or SUP. Watch for birds, turtles and dolphins. Bring your own boat and anchor offshore, or rent a boat from the marina right across the street. This is a great family destination. Trust us with your vacation, relax and enjoy bay views, your own bay beach and space. Absolutely no weddings or parties are allowed.

Top Guest favourite
A spacious outdoor pool area features multiple interconnected pools surrounded by palm trees. Lounge chairs are arranged throughout the deck, offering views of the nearby bay and lush greenery. The scene is brightened by clear blue skies, enhancing the relaxing atmosphere of the space.
Condo in Panama City Beach
4.94 out of 5 average rating, 172 reviews

Beautiful Gem! Close to St Andrew’s & Shell Island

Located on Beautiful Bay Point. Only a few minute boat ride to Shell Island. St Andrew’s State Park is directly across the bay & a short car ride to the beautiful beach & Gator Lake. Th Beautiful Pool w outdoor kitchens & Fire Pit. The Boardwalk has pontoons & other rentals directly behind the condo. New Paint, Carpet, Blinds & Furnishings. Beach/Pool Caddy, chairs, coolers, reusable plastic dishes, beach towels & pool and beach games. The beach’s stuff is,located throughout the condo.

Top Guest favourite
Two blue Adirondack chairs are positioned on a wooden deck overlooking the water. A small table with a potted plant sits between the chairs, providing a comfortable place to relax. The calm bay and dock area can be seen in the background.
Cottage in Long Point Park
4.94 out of 5 average rating, 160 reviews

Water front bay beach and boat dock stunning views

Take it easy at this unique and tranquil getaway. Duplex is 550 square feet on the water. Fish from your backyard or end of dock. Catch breathtaking sunsets on the back deck. Private boat dock with slips Boat ramp 1/4 away. Kayak and explore East St. Andrews Bay. Location is very quiet and peaceful . Walk the shore to the Tyndal bridge and view wild life. 30 minutes to PCB. 18 miles to Mexico Beach. 3 mile to Tyndal Gate. Complementary kayaks/paddle board. Fishing charter option available!

Top Guest favourite
The living area features a large gray couch paired with a modern ottoman and a textured rug. A dining area with bar stools is visible, while a well-equipped kitchen and dining table are in the background. Natural light enters through the glass doors, enhancing the open layout.
Home in Biltmore Beach
4.96 out of 5 average rating, 188 reviews

A Sunny Bungalow FOR 8 - WALK TO BEACH w/ KING bed

Message us for special winter discount! Enjoy a relaxing experience at our charming, perfectly located 2 bed, 2 bath, beach bungalow steps away from the most beautiful beaches in Florida Located only 1 block from the white sandy beaches of PCB. If you get sick of the beach, you are a short distance from great bars, restaurants, and the beautiful St. Andrews State Park Schooners, Patches, Newby's & TOOTSIES are just around the corner making for a great walk home after dinner and drinks.

Guest favourite
An aerial view of Turtle Cove Water-Front Cottage is presented, highlighting its proximity to the waterfront canal. Lush green landscapes and trees surround the property, with the cottage positioned near the yard. The serene canal leads to the bay, showcasing a peaceful natural environment.
Cottage in Panama City
4.89 out of 5 average rating, 121 reviews

Private Water Front Cottage - Panama City, FL

Welcome to Turtle Cove Water-Front Cottage. Do you like to fish right off the bank of your rental? Do you want to be centrally located to beaches, colleges, sports complexes, and restaurants? This 1 bedroom, 1 bunk nook, and 1 bathroom cottage is newly renovated with a beautiful porch perfect for outside dining and sunsets. AND the waterfront canal is the perfect path to the bay on a kayak and paddle board OR just fish right off the bank of the yard. This cozy cottage is perfect!

Top Guest favourite
The entrance features a well-maintained walkway leading to a blue door with glass inserts. Above, a sign labeled 'The Plantation' hangs, and a wooden staircase beside the door is adorned with hanging plants. Soft greenery surrounds the entrance, enhancing the welcoming vibe.
Home in Panama City
4.93 out of 5 average rating, 334 reviews

"The Plantation" Private Location +Super Views

Unwind & Relax in this 1500+ sq. ft. private ranch Home! Big kitchen, 2 Bdrms, queen sleeper sofa, 1 large bath, BIG living room, 42" TV, & deck. Great spot for seeking social distancing. Enjoy for your family gatherings, special celebrations, business retreat, or friends' getaway. Laundry & vending machine on The Hideaway property. Dock your boat here! Paddle boards, kayaks, & fishing poles available. Make this home your annual event for business or pleasure.

Top Guest favourite
A serene beach scene features a sandy shoreline gently leading to calm waters. A long wooden pier extends into the bay under a bright blue sky adorned with fluffy white clouds. Lush greenery is visible to the right, enhancing the natural shoreline.
Home in Panama City
4.97 out of 5 average rating, 203 reviews

3BR/2BA Bayfront Home w/prvt. bch. Dog friendly

We are located in the beautiful historic neighborhood of St. Andrews. This is not just a 3BR/2BA house for rent, it was the family home of the current owners . Newly renovated, it feels like a home away from home for guests. The house is fully stocked for comfort & is pet friendly. Private beach, huge bayside yard w/deck, incredible views day and night. Everything you need for supplies, dining, shopping and entertainment is within one to two miles of the house.

Top Guest favourite
A cozy corner of the living space features a small Christmas tree adorned with holiday decorations. Two comfortable chairs, one gray with a yellow accent pillow and one brown, flank a small table. A vibrant wall covering with leafy patterns adds a lively touch to the room.
Townhouse in Holiday Beach
4.94 out of 5 average rating, 232 reviews

Private Backyard | Pet Friendly | Sleeps 4

Walk in and relax in this beautiful meticulously renovated duplex with fully fenced backyard and spacious patio. Take a short walk to the beach to the Rick seltzer park, my favorite place on the beach, don’t forget chairs and umbrella that we prepared for you As you get enough of sunshine go and enjoy Capt’s Jack unlimited crab legs or have a drink in one of many bars and restaurants around Absolutely NO SMOKING in this unit

Top Guest favourite
A vibrant mural features a cheerful pineapple wearing sunglasses, accompanied by a refreshing drink adorned with an umbrella and a lime. The background depicts a gradient of blue, evoking a seaside atmosphere.
Home in Panama City
4.93 out of 5 average rating, 107 reviews

Pineapple Paradise By The Bay

THEMED HOUSE! Enjoy a relaxing experience at 3 bedroom, 2 bathrooms, house, with a game room and pond in the backyard with your very own ducks. We have turned this into a fun, fancy, fantastic experience. From the jungle to the bottom of Davey Jones Locker where the pirates & mermaids are. We are 15 minutes from Mexico Beach & 30 from pcb. Queen pullout couch and twin mattress and two child cots. Minutes from stores.

Guest favourite
Guesthouse in Panama City
4.88 out of 5 average rating, 202 reviews

"Bliss On The Bay" Guesthouse W/Kitchen

Keep it simple at this peaceful and centrally-located place. We are on the water bring your boat keep it at the dock and only 15 minutes from Shell Island. The entire studio apartment is just minutes from Historic downtown Panama City and St. Andrews Bay where there's local restaurants Hunts Oyster Bar, Uncle Ernie's , Alice's on Bayview and Captains Table .Also inquire about monthly rates.

Popular amenities for Panama City waterfront rentals

When is the best time to visit Panama City?

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Avg. price$194 NZD$206 NZD$223 NZD$228 NZD$247 NZD$267 NZD$281 NZD$221 NZD$206 NZD$214 NZD$190 NZD$188 NZD
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Quick stats about waterfront rentals in Panama City

  • Total holiday rentals

    Explore 90 holiday rentals in Panama City

  • Nightly prices starting at

    Panama City holiday rentals start at $34 NZD per night before taxes and fees

  • Verified guest reviews

    Over 5,180 verified reviews to help you choose

  • Family-friendly holiday rentals

    60 properties offer extra space and kid-friendly amenities

  • Pet-friendly accommodation

    Find 30 rentals that welcome pets

  • Holiday rentals with a pool

    40 properties feature pools

  • Rentals with dedicated workspaces

    40 properties have a dedicated workspace

  • Wi-Fi availability

    90 of Panama City holiday rentals include Wi-Fi access

  • Popular amenities for guests

    Guests love Kitchen, Wifi and Pool across Panama City rentals

  • 4.9 Average rating

    Panama City stays are highly rated by guests—averaging 4.9 out of 5!

Destinations to explore

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