2026 Guide to Discovering Bay County

2026

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GROWING COMMUNITIES, STATE-OF-THE-ART SCHOOLS, SHOPPING DESTINATIONS, RECREATION, AND MORE

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WELCOME TO THE HOME OF THE WORLD'S

MOST BEAUTIFUL BEACHES. Welcome to Bay County. We are glad you are here. Our community is known for its friendly spirit, and we take pride in welcoming newcomers with open arms. Whether you are visiting or settling in, you will find an abundance of recreational, cultural, educational, and business opportunities in this vibrant place we call home.

Located in Northwest Florida, Bay County stretches between Pensacola and Tallahassee and includes seven unique municipalities: Panama City, Panama City Beach, Lynn Haven, Springfield, Mexico Beach, Callaway, and Parker. The Bay County Commission oversees our unincorporated areas, and together these communities create the heartbeat of our region.

We are proud to be home to Tyndall Air Force Base and Naval Support Activity Panama City, Port Panama City, Northwest Florida Beaches International Airport, Gulf Coast State College, and Florida State University Panama City. Along with a strong public school system, charter academies, and private education partners, our area continues to grow as a center for learning and opportunity.

Bay County is also one of Florida’s rising economic engines.

From aerospace and technology to advanced manufacturing, health sciences, and distribution, our business community is diverse and expanding. Our aviation industry continues to grow through the leadership of ECP, and our partnership with Eastern Shipbuilding Group adds to the strength of our workforce. More than two thousand people are employed in this sector alone, making it one of the largest employers in the region.

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2026 GUIDE TO DISCOVERING BAY COUNTY

Tourism remains our leading industry and a major point of pride. With more than twenty seven miles of sugar white shoreline, visitors and residents alike enjoy endless outdoor recreation. Those who prefer freshwater adventures will find lakes and springs perfect for kayaking, fishing, and exploring.

There is always something happening in Bay County. Major music festivals, events throughout Downtown Panama City, regular performances across the region, and a rich arts scene bring energy to our neighborhoods year round. Our community celebrates the Fourth of July, Mardi Gras, and many other traditions with enthusiasm that reflects the spirit of our people.

As our county continues to grow, we remain committed to ensuring Bay County is a place where individuals, families, and businesses can thrive. Whether you are visiting or planning to make this your home, we are confident you will find your place here.

Welcome to Bay County. We are happy to share this community with you.

Al McCambry President/CEO

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table of contents

›

WELCOME.............................................................4 BAY COUNTY MAP

›

BAY COUNTY QUICK FACTS............................ 8-9 GEOGRAPHICALLY SPEAKING & CLIMATE DEMOGRAPHICS

›

THE COMMUNITIES....................................... 10-13 UNINCORPORATED BAY COUNTY PANAMA CITY PANAMA CITY BEACH LYNN HAVEN CALLAWAY PARKER SPRINGFIELD MEXICO BEACH

›

FINDING YOUR NEW HOME .............................. 14

›

RECREATION ................................................. 18-21

›

LIVING...........................................................22-26 SHOPPING CULTURE STATE TAXES & REQUIREMENTS SERVICES LIBRARIES UTILITIES AIRPORT PUBLIC TRANSPORTATION

›

EDUCATION...................................................28-32

›

TOURISM & BUSINESS...................................34-35

›

MILITARY INSTALLATIONS.................................36

›

HEALTH........................................................ 39-40

The Guide to Discovering Bay County is an official publication of the Bay County Chamber of Commerce

PUBLISHER Al McCambry EXECUTIVE EDITOR Katherine Santana

ART DIRECTION, LAYOUT, AND DESIGN GORGEOUS (grgs.co | 850-888-8GRG) GUIDE TO DISCOVERING BAY COUNTY c/o Bay County Chamber of Commerce P.O. Box 1850 Panama City, FL 32402 850-785-5206 panamacity.org | information@baychamberfl.com

CONTRIBUTING PHOTOGRAPHERS Destination Panama City, Visit Panama City Beach, Mexico Beach CDC, Tyndall Air Force Base Public Affairs, and Katherine Santana

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bay county quick facts 8

With 27 miles of white, sandy beaches to explore along with snorkeling, fishing, boating and diving, you are sure to get your feet wet. Adventurers can hunt for treasure aboard a pirate cruise, encounter dolphins on one of the beach’s sightseeing boats, or explore beautiful Shell Island and St. Andrews State Park. Thrill seekers hold on tight to ride the world’s largest speedboat, jet ski along the coast, or take a plunge at the 6-acre Shipwreck Island Water Park.

Beyond the beach, Bay County enriches the lives of visitors and residents with a strong cultural presence through many organizations. Art and other exhibits, as well as theatrical productions, are brought to the community through the Panama City Center for the Arts, Bay Arts Alliance, Kaleidoscope Theatre, the Science and Discovery Center of NWFL and the Bay County Library.

Those looking to relax can enjoy a round of golf or take a sunset stroll along the many marinas. Families can see tropical animals and beautiful botanical gardens at Zoo World or catch a show at Pirates Voyage Dinner & Show.

If shopping is on your agenda, visit one of the many boutiques in the historic downtown districts of St. Andrews and Panama City, or check out the shopping plazas in town or on the beach.

Anglers from all parts of the world visit Bay County to fish and take part in our tournaments. Whether you are in pursuit of the “big one” or just dinner, it can be found in the warm Gulf waters or freshwater Deer Point Lake. Fish from our 1500 ft. piers or charter a boat to take you deep sea fishing.

After a day in the sun, a taste of local flavor may be just what you’re craving. Bay County has many award-winning restaurants that boast the “seafood you’re eating today was asleep in the Gulf last night.” From downtown cafes and eateries to Gulf-front fine dining, the possibilities are endless.

east of Pensacola, FL, approximately 300 miles from Atlanta, GA, 270 miles west of Jacksonville, FL, and 315 miles east of New Orleans, LA. St. Andrew Bay surrounds much of Panama City, providing a protected harbor for Port Panama City. Deer Point Lake, located in the central part of the county, provides an abundant source of freshwater for county residents and industries.

The sand on Bay County’s 27 miles of beaches is startlingly white, a perfect foreground for the emerald waters of the Gulf of Mexico. The sand is actually quartz crystals, which have been broken down, polished and deposited on the shore.

CLIMATE The average annual temperature in Bay County is a cool 74 degrees. The average temperature is 89 degrees in the summer and 59 degrees in the winter making the climate very comfortable for most all of the visitors and residents.

On average, there are 241 sunny days in Bay County.

The US average is 205 sunny days. Bay County receives approximately 60 inches of annual precipitation. The US average is 38 inches. Snowfall is extremely rare. Winds are southerly in the summer and northerly in the winter.

The water of the Gulf can be described as nothing but breathtaking. The crystal clear waters stay an average of 72 degrees year round, making it the perfect way to cool off in the summer. Visitors can experience a variety of sea life in the warm waters year round.

EMPLOYMENT SECTOR STATS Mining, Logging, and Construction Manufacturing Trade, Transportation, and Mining, Logging, and Utilities

Our growing community lures people in with the beauty of the area, business and educational opportunities, cultural activities and southern charm. Whether a native or a visitor, everyday can be a vacation in Bay County!

GEOGRAPHICALLY SPEAKING Bay County is located on the Gulf of Mexico in the panhandle region of Northwest Florida. Average elevation is 13 ft. above sea level. Panama City, the county seat, is located approximately 100 miles southwest of Tallahassee, Florida’s capital, 80 miles south of Dothan, AL, 105 miles

2026 GUIDE TO DISCOVERING BAY COUNTY

Construction

Wholesale Trade

7.2%

14.3%

Manufacturing Retail Trade

3.3%

Trade, Transportation, and Transportation, Warehousing, Utilities and Utilities

16.6%

7.2%

14.3%

Information Wholesale Trade Financial Activities

Retail Trade

3.3%

12.9%

Professional and Business Transportation, Warehousing, Services

and Utilities

2.3%

16.6%

Information

Leisure and Hospitality

Financial Activities

Other Services

10.2%

12.9%

Education and Health Services

12.4% 10.2%

Professional and Business Total Government Services

2.3%

5.4%

Education and Health Services Leisure and Hospitality Other Services

10.2%

12.4% 10.2%

Total Government

5.4%

Source: U.S. Census Bureau; Chart Source: Florida Department of Economic Opportunity, Labor Market Statistics, Current Employment Statistics

bay county quick facts HOW BAY COUNTY COMPARES NATIONALLY...

BAY COUNTY, FLORIDA

UNITED STATES

Population estimates, July 1, 2022, (V2022)

196,328

333,287,557

Population, Census, April 1, 2020

168,852

331,449,281

Population, percent change - April 1, 2020 (estimates base) to July 1, 2022, (V2022)

3.50%

0.60%

White alone, percent

81.60%

75.80%

Black or African American alone, percent

11.50%

13.60%

American Indian and Alaska Native alone, percent

0.80%

1.30%

Asian alone, percent

2.40%

6.10%

Native Hawaiian and Other Pacific Islander alone, percent

0.20%

0.30%

Two or More Races, percent

3.40%

2.90%

Hispanic or Latino, percent

7.40%

18.90%

White alone, not Hispanic or Latino, percent

75.50%

59.30%

Veterans, 2017-2021

20,560

17,431,290

Foreign born persons, percent, 2014-2018

7.30%

13.60%

Housing units, July 1, 2021, (V2021)

106,152

142,153,010

Owner-occupied housing unit rate, 2017-2021

67.80%

64.60%

Median value of owner-occupied housing units, 20177-2021

$209,900

$244,900

Median selected monthly owner costs -with a mortgage, 2017-2021

$1,475

$1,697

Median selected monthly owner costs -without a mortgage, 2017-2021

$441

$538

Median gross rent, 2017-2021

$1,191

$1,163

Building permits, 2021

2,610

1,736,982

Households, 2017-2021

72,881

124,101,992

Persons per household, 2017-2021

2.46

2.6

Living in same house 1 year ago, percent of persons age 1 year+, 2017-2021

79.20%

86.60%

High school graduate or higher, percent of persons age 25 years+, 2017-2021

90.10%

88.90%

Bachelor's degree or higher, percent of persons age 25 years+, 2017-2021

25.60%

33.70%

In civilian labor force, total, percent of population age 16 years+, 2017-2021

59.00%

63.10%

In civilian labor force, female, percent of population age 16 years+, 2017-2021

55.30%

58.70%

POPULATION

RACE AND HISPANIC ORIGIN

POPULATION CHARACTERISTICS

HOUSING

FAMILIES & LIVING ARRANGEMENTS

EDUCATION

ECONOMY

Total accommodation and food services sales, 2017($1,000)

757,414

938,237,077

Total health care and social assistance receipts/revenue, 2017 ($1,000)

1,288,895

2,527,903,275

Total transportation and warehousing recipts/revenue, 2017 ($1,000)

275,309

895,225,411

Total retail sales, 2017 ($1,000)

3,219,279

4,949,601,481

Total retail sales per capita, 2017

$17,416

$15,224

24.3

26.8

Mean travel time to work (minutes), workers age 16 years+, 2017-2021 INCOME & POVERTY Median household income (in 2018 dollars), 2017-2021

$60,473

$69,021

Per capita income in past 12 months (in 2018 dollars), 2017-2021

$32,312

$37,638

Persons in poverty, percent

13.90%

11.60%

BUSINESSES Total employer establishments, 2020

4,813

8,148,606

Total employment, 2020

60,002

128,346,299

24,036,631

8,272,573,947

1.46%

-4.30%

Total annual payroll, 2020 ($1,000) Total employment, percent change, 2019-2020

WWW.PANAMACITY.ORG

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the communities

UNINCORPORATED BAY COUNTY

PANAMA CITY

POPULATION: 190,769

CHARTERED: 1909

SQUARE MILES: 689 (INCLUDING NAVY

SQUARE MILES: 35.21

BASE AND TYNDALL AFB)

Panama City, a vibrant coastal gem nestled between Pensacola and Tallahassee on Florida's Panhandle, beckons with the serene shores of St. Andrews Bay. Home to over 34,000 residents, this city embodies a unique blend of historic charm and modern vitality.

BAY COUNTY COMMISSION 840 W. 11TH STREET PANAMA CITY, FL 32401 GOVERNMENT CENTER: 850.248.8140 BAY CO. SHERIFF’S OFFICE: 850.747.4700 WWW.BAYCOUNTY.GOV

Unincorporated Bay County operates under the governance of the Bay County Board of County Commissioners, a dedicated five-member board elected to represent our community. Their leadership shapes the future of Bay County, establishing policies and appointing a county manager to ensure effective implementation across all

CITY OF PANAMA CITY CITY HALL 501 HARRISON AVENUE, P.O. BOX 1880 PANAMA CITY, FL 32402 TELEPHONE: 850.872.3000 PANAMA CITY POLICE DEPT.: 850.872.3100 WWW.PCGOV.ORG

county operations.

Each year, the Commission adopts the millage rate and approves the county budget, crucial decisions that determine the funding for all county departments. Located at the Bay County Government Center, a central hub for community engagement, this three-story facility houses

10

POPULATION: 34,690

From its early 1800s beginnings, Panama City has thrived alongside the tranquil waters and gentle breezes of St. Andrews Bay, shielded by an untouched barrier island.

Today, it retains the allure of a quaint fishing village while embracing the conveniences of a bustling metropolis.

essential departments including Planning and Zoning,

The city pulses with a dynamic array of commercial and

Information Technology, Code Enforcement, Development

recreational fishing fleets, scenic boat tours, expanding

Services, and more. It enhances efficiency, offering

educational institutions, robust shipbuilding, and a vibrant

residents a convenient, one-stop hub for conducting all

local culinary scene centered around natural sea salts.

their county business needs.

Nestled between Tyndall Air Force Base and Naval

The Government Center, located on 11th Street, houses

Support Activity PC, Panama City is a rich tapestry of

most Bay County Commission-governed offices and

arts, music, ecotourism, and technology. The city boasts

the Commission Chambers. It also accommodates

approximately 200 acres dedicated to leisure activities,

essential services such as Emergency Services, Parks

featuring expansive walking parks, a state-of-the-art sports

and Recreation, Utility Services, alongside offices for the

complex, a popular dog park, seven waterfront havens, and

Property Appraiser, Supervisor of Elections, Tax Collector,

numerous kayak and boat launches. Its eight clubhouses

and Division of Motor Vehicles. It is a cornerstone of

provide ideal venues for meetings, celebrations, and family

community governance, ensuring efficient administration

gatherings amidst the city's picturesque waterfront, a

and accessibility for all residents.

haven for boating enthusiasts.

2026 GUIDE TO DISCOVERING BAY COUNTY

the communities Downtown Panama City serves as the cultural heartbeat, anchored

The city hosts numerous special events, including Real. Fun. Fourth.,

by the historic Martin Theatre and the Panama City Center for the

the Pirates of the High Seas Festival, Seabreeze Jazz Festival, Jeep

Arts, complemented by private galleries that enrich its artistic

Jam, Gulf Coast Jam, and Ironman Triathlon, among others.

tapestry. Beyond downtown, Panama City's diverse neighborhoods — from Forest Park and Glenwood to the Cove, St. Andrews, and Millville — each exude their own unique charm and character.

Tourism is the economic cornerstone of Panama City Beach, notably Florida's largest city without a property tax, funded instead by a one percent business tax on all goods sold within city limits.

Embracing growth and development, Panama City sees promising

The city’s retail environment is thriving, with Pier Park and Pier Park

projects like Sweetbay, a visionary residential community with

North as major anchors.

a commercial hub and marina underway, and Liberty, a sprawling

Panama City Beach continues to enhance its natural beauty, expand

master-planned development in Panama City North. Education flourishes with top-notch public schools, private academies, Gulf Coast State College, Florida State University Panama City, Troy University's Panama City campus, and the Tom P. Haney Technical Center, ensuring a skilled workforce for the future.

Championed by the Panama City Community Development Council, the city continues to attract visitors and businesses alike, fostering enhancements that support both residents and tourists. As the proud seat of Bay County, Panama City offers a robust healthcare network, diverse shopping, acclaimed dining venues, and the renowned Southern hospitality that defines it as the Panhandle's Premier City.

PANAMA CITY BEACH

recreational opportunities, and improve infrastructure to enrich residents' lives and provide an exceptional visitor experience.

LYNN HAVEN POPULATION: 20,501 CHARTERED: 1913 SQUARE MILES: 11.8 The City of Lynn Haven is more than just a city; it is a small, charming waterfront community quickly becoming the destination of choice for families in Bay County. With a population of just over 20,000, the city upholds its family- and business-friendly identity, and it has a lively downtown area that preserves and values its local heritage.

POPULATION: 19,056 CHARTERED: 1970 SQUARE MILES: 19.5

CITY OF PANAMA CITY BEACH 17007 PANAMA CITY BEACH PARKWAY PANAMA CITY BEACH, FL 32413 TELEPHONE: 850.233.5100 PCB POLICE DEPT.: 850.233.5000 WWW.PCB.GOV

CITY OF LYNN HAVEN 825 OHIO AVENUE LYNN HAVEN, FL 32444 CITY HALL: 850.265.2121 LYNN HAVEN POLICE DEPT.: 850.265.4111 WWW.CITYOFLYNNHAVEN.COM

The city boasts some of the most vibrant aspects of communityoriented entertainment, which is always family-oriented and free to everyone. These local events encourage social interaction and

Panama City Beach, home to around 19,000 residents, epitomizes

provide Lynn Haven residents and individuals from surrounding

coastal living. Known for its outstanding quality of life, safety, and

areas the opportunity to unite and celebrate their shared interests

diverse shopping, the city is often called "the island" due to the

and values. A connected community is a thriving community, and

surrounding waters, though it's actually a peninsula. Access to the

one that starts with safe neighborhoods, servicing the public’s

city requires crossing the Hathaway Bridge on U.S. 98 from the

wants, and offering plenty of events for people of all ages.

east, the Phillips Inlet Bridge on U.S. 98 from the west, or West Bay on State Road 79 from the north.

The municipality also has many attractive parks for its citizens to enjoy. Whether walking the nature trails at the Bayou Park

With nine miles of pristine, sugar-white sandy beaches, Panama

and Preserve or soaking in the sun at Leslie Porter Park, there is

City Beach attracts about 4.5 million visitors annually. While many

something for everyone to experience. Lynn Haven has made

come for the sun and sand, the city also draws crowds for year-

several enhancements to its parks, such as adding sunshades over

round sports tournaments at Frank Brown Park and the Panama

its playgrounds, new equipment, and replacing old and outdated

City Beach Sports Complex.

facilities.

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the communities The city’s revitalization efforts also include newly redesigned city

is a hub of activity, featuring seven ball fields, six soccer fields, a

facilities that opened in 2023 – a new city hall, police department,

fishing pond, and a mile-long walking trail with exercise equipment.

and a sports complex and gymnasium. In addition, construction

The Arts and Conference Center, located here, offers an auditorium,

is underway on several community structures and encompass

meeting rooms, and a kitchen for special events.

the preservation of a portion of the old city hall, renovation of the animal shelter, construction of a new Facilities and Maintenance Department building, opening of James E. Rogers Park, and building of an additional parking area for Cain Griffin Park.

Some facilities have already received a makeover, such as the Public Works building, Fire Station #1, Cain Griffin Park ballfields, Leon Miller Splash Pad, Garden Club, Senior Activity Club, A.L. Kinsaul Bark Park, and Leslie Porter Park through the RESTORE Grant.

Lynn Haven is an attractive community that draws new residents year after year. Local satisfaction is high, and visitors leave with positive impressions of this quaint coastal town.

CALLAWAY POPULATION: 14,287 CHARTERED: 1963 SQUARE MILES: APPROX. 12

Callaway’s bustling commercial districts have everything you need, from financial services to diverse dining options and comfortable lodging. Education is top-notch, with Callaway Elementary right in the city and Rutherford High School just a short distance away.

The City Commission is dedicated to ensuring Callaway remains a great place to live, balancing growth with the preservation of property values. With public transportation available through Bayway, you’re connected to the entire county. And if you’re a history buff, don’t miss the Callaway Historical Society’s museum and the “Old School House,” a Florida Heritage Site, both located in John B. Gore Park.

Whether you’re a resident or just visiting, Callaway is a place where every day offers new opportunities to explore, relax, and enjoy life.

PARKER POPULATION: 4,545 CHARTERED: 1967 SQUARE MILES: 2

CITY OF CALLAWAY CITY HALL 6601 STATE ROAD HWY. 22 CALLAWAY, FL 32404 TELEPHONE: 850.871.6000 WWW.CITYOFCALLAWAY.COM

waterways, inviting neighborhoods, and plenty of recreational

CITY OF PARKER 1001 WEST PARK STREET PANAMA CITY, FL 32404 CITY HALL: 850.871.4104 PARKER POLICE DEPT.: 850.871.4100

spots, there’s something here for everyone. Whether you’re

WWW.CITYOFPARKER.COM

Callaway is a vibrant community where natural beauty, modern living, and a strong sense of history come together. With pristine

enjoying the Arts and Conference Center or one of the city’s many parks, you’ll find endless ways to connect with nature and your neighbors.

The parks in Callaway are truly special. Veterans Park offers a peaceful walking path, picnic areas, a playground, and spaces for your furry friends. John B. Gore Park is an outdoor enthusiast’s dream with a boat ramp, floating docks, and a community center.

It also has sports fields, a historic schoolhouse and museum, a

12

Founded as a community in the early 1800s, the City of Parker is the earliest settled area in the county, celebrating its 50th anniversary as a municipality in 2017. Overlooking East Bay and St. Andrew’s Bay, our beautiful and tranquil city is known for its rich history and stunning sunsets. Parker is an incorporated municipality with a fivemember city council, including an elected mayor, and it has its own

walking track, and even a new all-inclusive Bankshot Play Court for

Fire/EMS and police departments.

all ages. Brittany Woods Park is perfect for a stroll, with a walking

The landscape of Parker has changed dramatically due to Hurricane

track and playground, and will soon feature the Callaway Dog Park.

Michael. Many of the hundred-year-old oaks that the city is known

For serene water views, head to Patterson and Collinfurst Parks,

for are gone, but plans are in place to replant more durable trees

where you can relax and enjoy a picnic. The Recreation Complex

that can better survive future storms. Although many citizens

2026 GUIDE TO DISCOVERING BAY COUNTY

the communities temporarily relocated, the storm left us with a blank slate to restore

As Springfield continues to grow, it plans a centralized City complex

our parks, homes, and businesses, making our community even

to streamline services, along with a new Civic Center near Henry

better. Now, with a post-storm population of around 4,000, many

Brooks Walking Park. The city also hosts five medical facilities, a

residents are still rebuilding and are determined to stay.

veterans’ home, and Rutherford High School, home of the Rams.

Our neighborhood community features an 18-acre sports complex

Located just 4 miles from Tyndall Air Force Base, Springfield

with sports fields and courts, a walking trail, dog park, and

maintains its small-town charm while offering an exceptional

playground. Across the street, our Environmental Exploratorium

quality of life.

Park is nestled on the shores of Martin Lake, offering swimming,

MEXICO BEACH

picnic areas, and wildlife observation spots. One of our most popular attractions is the 20-acre Under The Oaks Park, which includes the Creative Playground, picnic areas, a fitness trail, an observation platform, and a canoe launch.

POPULATION: 1,050 CHARTERED: 1967 SQUARE MILES: 3.5

Although the city encompasses just 2 square miles, residents and visitors enjoy 12 miles of shoreline with boat launches, a spectacular fishing pier, and a southern boundary that borders Tyndall Air Force Base. Whether you are looking to fish, water ski, or simply relax, Parker is a great place to call home!

SPRINGFIELD POPULATION: 9,200 CHARTERED: 1935 SQUARE MILES: 5.06

CITY OF MEXICO BEACH 201 PARADISE PATH MEXICO BEACH, FL 32456 TELEPHONE: 850.648.5700 WWW.MEXICOBEACHGOV.COM

Nestled along Bay County’s Gulf coast, Mexico Beach may be its smallest city, spanning less than five miles, but its charm and allure CITY OF SPRINGFIELD 3529 E. 3RD STREET PANAMA CITY, FL 32401 CITY HALL: 850.872.7570 SPRINGFIELD POLICE DEPT.: 850.769.7545

surpass its size. This unconventional beach destination offers a

WWW.SPRINGFIELD.ORG

Mexico Beach stands out as a serene vacation spot, cherished for its

unique blend of adventure and tranquility, catering to residents and visitors alike throughout the year.

Blessed with pristine, emerald green waters and sugar-white sands, quiet, non-commercialized ambiance. Families seeking a traditional,

Springfield thrives as a primarily residential city featuring two scenic walking parks, Martin Lake boat ramp access, a playground, and a sports complex with baseball and soccer fields. At Springfield Gardens Park, the city proudly hosts Florida's first Fitness Court Studio, recognized as the World’s Best Outdoor Gym. Future plans include five new parks: Neighborhood Park, Douglas Road Dog Park, Nature Park, Cherry Street Linear Park, and 11-Mile Loop Park.

The city’s dedicated Public Works Department maintains roads, parks, and utilities, while its community-focused Police and Fire

laid-back retreat find solace here, drawn to Florida’s "Unforgettable Coast" where Southern hospitality meets Old Florida charm.

With tourism as its economic backbone, Mexico Beach boasts some of the safest beaches in the region, thanks to a natural sand bar that curbs rip currents. Water enthusiasts revel in the city’s threebay public boat ramp, providing direct access to prime fishing spots in the Gulf of Mexico. The marina further enhances the experience with upgraded walkways and versatile boat slips for short and longterm stays.

Departments ensure safety. In 2024, Springfield will launch its third

Running parallel to the Gulf, U.S. Highway 98 offers a seamless,

SRF Water and Sewer Rehabilitation Project to modernize utility

traffic-light-free

lines, following extensive road repaving in 2023. The Springfield Fire

preserving its Old-Florida ambiance, Mexico Beach is embracing

Department, known for its swift emergency response, handles all

new developments, including several residential projects that are

medical calls promptly.

reshaping the community’s landscape.

drive

with

panoramic

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beach

views. While

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13

finding your new home RESIDENTIAL REAL ESTATE Beachy Beach Real Estate

(850) 532-6262

beachybeach.com

Bluewater Development Group

(850) 527-1885

Bob Hodges & Sons Realty

(717) 649-3191

Central Panhandle Association of Realtors

(850) 763-8078

cpar.us

Century 21 – Commander Realty

(850) 769-8326

C21commander.com

Coldwell Banker Realty

(850) 234-6696

coldwellbankerhomes.com

Counts Real Estate Group, Inc.

(850) 249-3615

countsrealestate.com

DR Horton

(850) 660-1701

drhorton.com

Emerald Coast Realty Group

(850) 235-2551

emeraldcoasthomes4sale.com

Empire Real Estate of FL

(850) 247-8868

empirerealestatefl.com

ERA Neubauer Real Estate, Inc.

(850) 785-1551

panamacityera.com

Exit Sands Realty

(850) 381-1358

exitsandsrealty.com

bobhodgesandsonsrealty.com

Full Sail Realty of NWFL

(850) 348-1673

fullsailnwfl.com

Harvest One Realty

(850) 248-0110

harvestonerealty.com

Horsley Real Estate Group

(850) 832-3503

horsleysellshomes.com

Keller Williams Success Realty

(850) 249-0313

kwsuccessrealty.com

Mexico Beach Sundance Realty

(850) 648-8700

mexicobeachsundancerealty.com

Portfolio Real Estate Management

(850) 588-8897

portfoliofl.com

Scott Kirkman LLC

(850) 896-5052

trustscottk.com

The Fadden Group

(321) 890-5364

thepanamacitybeachrealtors.com

Think Real Estate

(850) 270-4200

whenyouthink.com

Five Bridges Real Estate Services

(850) 913-9133

fivebridgesrealestate.com

NAI Talcor

(850) 249-2879

naitalcor.com

Nations Real Estate

(850) 785-2233

nationsre.com

Resource Realty Group, LLC

(850) 258-8971

resourcerealtypc.com

Royal American Companies

(850) 769-8981

royalamerican.com

The St. Joe Company

(850) 321-6400

joe.com

(850) 387-1857

eastbayflats.com

Edgewater Beach & Golf Resort

(850) 710-0709

edgewaterbeachresort.com

Emerald Park Apartments

(850) 249-9944

emeraldparkpcb.com

Exchange at the Beach

(850) 669-8838

liveexchangepcb.com

Landmark Holiday Beach Resort

(850) 233-1500

landmarkpcb.com

Mexico Beach Crossings

(850) 818-3684

mexicobeachcrossings.com

Moonspinner Condo Association

(850) 234-8900

moonspinner.com

Pinnacle at Hammock Place

(850) 248-2400

pinnaclehousing.com

Pinnacle Hammock Square

(850) 481-0620

pmiflorida.com

Sunset Village Houses Rental Community

(850) 759-4448

sunsetvillageliving.om

Turtle Lake Association

(850) 785-7904

turtlelakeapts.com

The Residences at SweetBay

(850) 851-0887

theresidencesatsweetbay.com

Wyndham Resorts

(850) 636-8300

wyndhamhotels.com

COMMERCIAL REAL ESTATE

APARTMENTS / CONDOS East Bay Flats

14

2026 GUIDE TO DISCOVERING BAY COUNTY

Going Further TOGETHER We believe progress happens when we move together.

From personal and business banking to lending that opens doors, we’re here to help our customers and communities grow.

Together, we go further.

850-257-2621 | ffbf.com

Panama City

Always here for you As your hometown utility, Gulf Coast Electric Cooperative is locally owned by those we serve.

We improve quality of life by safely providing affordable and reliable power. We also promote job development and support education and healthcare. In doing so, we help our communities and the people we serve: our member-owners.

It’s another way your hometown electric cooperative is always here for you.

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recreation

FRANK BROWN PARK

16200 PANAMA CITY BEACH PARKWAY PANAMA CITY BEACH, FL 32413 Frank Brown Park is part of the City of Panama City Beach Parks and Recreation Department. Over 200 acres are dedicated to outdoor recreation facilities at neighborhood and community parks surrounding the beaches. The playgrounds, picnic area, saltwater fishing pier, freshwater youth fishing lake, greenways and trails are open to the public year round. The Community Center and Senior Cen-

Head building along with picnic tables and a covered pavilion available for rent. Hours of operation are dawn to dusk, seven days a week. Be sure to bring your binoculars and cameras for bird and wildlife watching. Dogs are permitted, but must be kept on leashes.

ST. ANDREWS STATE PARK 4607 STATE PARK LANE PANAMA CITY BEACH, FL 32408 (850) 233-5140

ter hosts special events, civic club meetings and a variety of classes for all ages.

Frank Brown Park and Aaron Bessant Park have become the premier venue for events in Panama City Beach. The festival grounds in Frank Brown Park contain a 22-acre festival site with a 10,000+ person capacity. Frank Brown Park is home to many tournaments/events such as: Gulf Coast Jam, festivals, horse shows, car shows and more. The amphitheater at Aaron Bessant Park can seat 7,500 people, and also has 10 acres of festival lawn.

CURRENT FRANK BROWN PARK FACILITIES: 9 softball/baseball fields, 2 t-ball fields, 1 miracle league field, 6 soccer fields, 3 multi-purpose fields, 4 tennis courts, 1 outdoor basketball courts, 2 shuffle-board courts, 1 indoor gymnasium, 3 playgrounds, an Imagination playground, large picnic pavilions, 1 festival site, 1 freshwater

ited state parks in Florida. The park is situated on a peninsula at the far eastern edge of Panama City Beach, and is bordered by the Gulf of Mexico to the south, the St. An-

youth fishing pond, 1.5 miles of greenways and trails, 3

drews Pass to the east and the Grand Lagoon to the north.

fenced in dog play areas and 1 aquatic center.

Visitors can go off road and explore trails with an amaz-

The Panama City Beach Aquatic Center is located in beauti-

ing variety of wildlife or cast their lines from one of several

ful Frank Brown Park. The state of the art facility features a heated/cooled 50 meter Olympic Pool with a one meter

exclusive piers. The park also offers biking, kayaking and shuttles to Shell Island. Brightly colored marine life can be

springboard diving well and a seasonal 5,000 square-foot

found not far beneath the surface for snorkelers or scuba

kids activity pool.

divers along the jetties.

CONSERVATION PARK

Campers can choose from 158 campsites with electricity,

100 CONSERVATION DRIVE PANAMA CITY BEACH, FL 32413 A favorite destination for locals and tourists, the PCB Conservation Park offers opportunities for a variety of outdoor recreation. The City of Panama City Beach has established the Panama City Beach Conservation Park in cooperation with the Florida Department of Environmental Protection for the enjoyment of hikers, bikers and nature lovers. Encompassing over 2,900 acres, the Conservation Park has

18

St. Andrews State Park is consistently one of the most vis-

water, picnic tables and grills. The park also offers “primitive” camping area for scouts, faith-based groups, and other small, non-profit organized groups. This site is equipped with water, a portable toilet, fire ring and picnic tables. The state park now offers glamping sites for visitors who want a luxurious camping experience amidst the natural beauty of the park. Don’t forget your furry friends at home, both pets and service animals are allowed.

St. Andrews State Park offers two fishing piers, one (the

24 miles of trails and over a mile of boardwalks that lead

Tiller Pier) on the Gulf Side, and the other fishing pier gives

through Cypress Domes. The trails range anywhere from

fishermen access to the protected waters of the Grand La-

0.6 miles up to 11 miles, with 12 different trails to choose

goon. Fishing or walking on these piers is free, although

from. Parking and public restrooms are located at the Trail

there is a charge to enter the state park.

2026 GUIDE TO DISCOVERING BAY COUNTY

recreation CAMP HELEN STATE PARK

23937 PANAMA CITY BEACH PARKWAY PANAMA CITY BEACH, FL 32413 (850) 233-5059 This 180-acre park is often overlooked. This ecological gem sits on the far western border of Panama City Beach, just over the Phillips Inlet Bridge and close to the border of Walton County. Offering pristine beaches, excellent trails that wind through dunes and scrub oak forests and a rare dune lake, Camp Helen State Park is truly one of Florida’s most special state parks.

Camp Helen State Park is bordered by water on three sides, and the unique combination results in a fresh and saltwater mix, resulting in what’s known as “brackish” water. The park is home to five distinct natural communities including mesic flatwoods, scrub oak, basin swamp, depression marsh and marine unconsolidated substrate. There is no camping at Camp Helen State Park, but fishing and boating is allowed in designated areas.

Other amenities include: Kayak and stand-up paddle board rentals from March-November, Pumpkin Patch and fall festivities in October, Americana Concert Series from December to mid-March and movies and more during the spring and summer.

BAY COUNTY SHOOTING RANGE 10900 STEELFIELD ROAD PANAMA CITY BEACH, FL 32413 (850) 233-5005

The Bay County Shooting Range features supervised rifle and handgun ranges, as well as sporting clays and 5-stand. The range was established in 2014 by Bay County to provide its citizens a place to gain skills and knowledge for safe, responsible firearms handling and target shooting. Contributing partners include the National Rifle Association and the Florida Fish and Wildlife Life Conservation Commission.

place to watch not only boats and ships of all sizes and shapes, but to watch bottlenose dolphins as well. Here you will find Florida at its most natural, where graceful sand dunes, coastal scrub forest, pine hammocks, and an inland lake provide the perfect home for deer, nesting shorebirds, and all manner of coastal creatures, including ghost crabs and endangered species such as Choctawhatchee Beach Mice, piping plovers, snowy plovers, as well as loggerhead and green sea turtles. This local destination is popular among boaters. Shell Island is a natural environment, which means there are no concession stands, no restroom facilities, and no picnic tables, trash receptacles or shaded pavilions. If you go, go prepared, and please take out everything you brought in. While Shell Island was named for the abundance of shells found here, in the more heavily trafficked parts of the island, shells are few and far between, since so many beachcombers are on the hunt for prize shells.

Getting there: There are numerous tours, sailboats & cruises that take passengers & families to Shell Island and some are seasonal, so be sure to check schedules.

PANAMA CITY BEACH PIERS Panama City Beach offers fishermen four great fishing piers to choose from – three that reach far out into the Gulf of Mexico, and 1 that offers anglers a chance to cast their line into the Grand Lagoon.

The two most prominent fishing piers in Panama City Beach are the identical Russell-Fields Pier and the M.B. Miller Pier, often referred to as the City Pier and the County Pier. Constructed within a year of each other (completed in 2009 and 2010), these two concrete piers are built to resist hurricane damage, and are the longest twin fishing piers on the Gulf of Mexico, stretching some 1,500 feet into excellent fishing grounds! Fish caught in season: Cobia, King Mackerel, Spanish Mackerel, Red fish, Blues, Blue liners, Pompano, Flounder, Hardtails and other varieties. Rod rentals, bait and tackle are available on site.

AMENITIES INCLUDE:

• • • • • •

6-position 300-yard rifle range, 16-position 100-yard rifle range, 10-position 50-yard rifle/handgun range, and 19-position 5-yard, 8-yard and 18-yard handgun range Automated 18-station sporting clays course Automated 5-stand sporting clays field 18 3D archery targets Target frames on the rifle and handgun ranges are provided.

Shooters must bring targets to attach to the center of the frames, or they can purchase targets in the concession store.

Concession store has restrooms and drinking water, eye and ear protection, ammunition and other convenience items for sale. Rental shotguns and clay carts are available for the sporting clays course.

SHELL ISLAND A favorite spot for locals and visitors alike, Shell Island is an approximately 7-mile long undeveloped barrier island running east to west between the Gulf of Mexico and St. Andrew Bay. This local destination is popular among boaters all along the Gulf Coast. It is a great

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recreation In addition to fishermen, the piers are popular with spectators as well, who enjoy walking out over the water, witnessing some amazing catches, or just enjoying the unique view of the beach.

FISHING Bay County is famous for its waters and is the perfect place to find a fishing charter. The turquoise depths off our sandy shores are home to a vast array of wildlife.

Whether you are interested in deep sea fishing in the Gulf of Mexico, or sitting on a pier in St. Andrew Bay, you’ll be delighted with the catch you reel in. Both novice anglers and old pros are sure to enjoy the salt and freshwater options in the region.

couple days. Do you picture yourself on an intimate vessel, with little separating you from the waves? Or are you seeking a luxury experience, perfect for a large group and days at sea? Whatever you want, you'll be sure to find it. Boats can be found in a wide range of sizes and amenities.

Most professional charter fishing companies will provide a fishing license for their customers. However, visitors can also obtain a shortterm fishing license through the Florida Fish and Wildlife Conservation Commission. For more information, visit myfwc.com/license.

HELP FROM THE PROS: No matter the size of your group or level of experience, Bay County has the right fishing charter boat for you. With an array of local companies to choose from, these professional guides have the expertise and gear you seek, and many can also provide fishing licenses.

Take the hassle out of your vacation by leaving the planning to the experts who know the area and can lead you to the best results.

Due to their decades of experience, chartering a fishing boat is the smart approach for a memorable day on the water and the catch to show for it.

Are you planning to fly fish, spearfish or cast a wide net? Are you on the hunt for a prized trophy? Your family may enjoy the calmer waters of St. Andrew Bay, while the sportsman is best suited for the gulf. Bay County is visited by avid fishermen from all over the globe due to the variety of species and conditions available in one area.

For instance, this is the place to be if you want to catch your own bait. You can also enjoy bottom fishing around our natural and manmade reefs for fish such as Snapper, Groupers and Amberjack. If you are interested in trolling, you could catch anything from King Mackerel to Redfish to Bluefish. Fly fishermen head to the gulf for Spanish Mackerel or Cobia and to the bay for Ladyfish and Speckled Trout. Sports fishing is for those brave souls interested in bagging a Marlin, Tuna or even a shark! In Bay County, the fisherman is spoiled for choice.

Beyond the types of fishing available, the range of fishing charters naturally includes a range of boats. There is something for everyone, with possible excursions ranging from a couple hours to a

PANAMA CITY BEACH PUBLIX SPORTS PARK & STADIUM COMPLEX Through a public-private partnership with the Panama City Beach Convention & Visitors Bureau, St. Joe Company and Bay District Schools, 210 acres of land were donated for the $37 million-dollar sports complex. The Panama City Beach Sports Complex boasts 160 acres of premium, flexible space to provide visiting teams, players and coaches with a unique experience when participating in events or training for the upcoming season.

The Panama City Beach Sports Complex is the premier destination for travel sports tourism in Northwest Florida and beyond. The facility features 13 configurable fields, 9 synthetic fields and 2 championship fields. The flexible design accommodates soccer, lacrosse, football and flag football, field hockey, as well as baseball and softball. The combination of high quality visitor amenities, state-of-theart amateur athletic facilities and creative site design, will set a new standard for sports complexes throughout the country.

LYNN HAVEN BAYOU PARK & PRESERVE 4770 COUNTY ROAD LYNN HAVEN, FL 32444 (850) 265-2121

This 98-acre Bayou Park and Preserve is the only preserve-like park in Bay County east of the Hathaway Bridge. The project was put together by a partnership with the Trust for Public Land and the Department of Environmental Protection and was gifted to the City of Lynn Haven. The park is open from sunrise to sunset and offers a handful of amenities; Disc golf, a playground, Picnic Pavilions, a kayak launching station, four restrooms, an outdoor classroom, fitness trails and scenic overlooks.

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2026 GUIDE TO DISCOVERING BAY COUNTY

recreation OTHER BAY COUNTY PARKS LOCATION

ADDRESS

ACTIVITIES

B.V. Buchanan

Laird Park, Rd., Bayou George

Boat Ramp, Dock, Meeting Rooms, Picnic Areas, Picnic Tables

Bayou George Park

6010 Jaycees Dr., Bayou George

Baseball Field, Softball Field, Concession Stand, Football Field, Playground Restrooms

Chapman Park

2526 Rollins Ave., Bayou George

Baseball Field, Softball Field, Concession Stand, Pavilion, Picnic Areas, Picnic Shelters, Playground, Restrooms

Crooked Creek Park

6370 Titi Rd., West Bay

Boat Ramp, Dock, Picnic Areas, Picnic Shelters

David W. Hutchison Park

10035 County Rd., Bayou George

Boat Ramp, Canoe Launch, Fishing, Kayak Launch, Parking, Pavilion, Picnic Areas, Playground, Restrooms

Deep Springs Park

20300 Deep Springs Rd., Fountain

Baseball Field, Softball Field, Parking, Pavilion, Picnic Areas, Picnic Shelters, Picnic Tables, Trails

Everitt Avenue Dog Park

1137 Everitt Ave., Panama City

Off-Leash Dog Park, Parking

H.G. Harder's Park

8110 Johns Pitts Rd., Panama City

Baseball Fields, Softball Fields, Concession Stand, Football Field, Model Plane Airstrip, Pavilion, Playground, Pond, Restrooms, Soccer Fields, Trails, Water

Highpoint Park

7925 Highway 2311, Panama City

Boat Ramp, Dock, Pavilion, Playground, Restrooms

Hiland Park

2117 Sherman Ave., Panama City

Baseball Fields, Softball Fields, Concession Stand, Picnic Areas, Playground

Ira A. Hutchison Park

4405 Hwy 2321, Panama City

Boat Ramp, dock, Picnic Areas, Playground, Restrooms

Island View Park

26852 Island View Dr., Panama City

Parking, Pavilion, Picnic Areas, Playground

Issac Byrd Park

100 Harvard Blvd., Lynn Haven

Parking, Picnic Areas, Playground

Laird Park

6310 Laird Park Rd., Panama City

Baseball Fields, Softball Fields, Parking, Pavilion, Picnic Areas

Lake Powell Park

23104 Lake Powell Rd., Panama City

Boat Ramp, Parking, Picnic Areas, Playground, Restrooms

Lauren Merriam Park

1001 North Bay Dr., Panama City

Picnic Tables, Playground

M.B. Miller Park

12213 Front Beach Rd., Panama City Beach

Beach, Parking, restrooms

Majette Park

5304 Old Majette Tower Rd., Bayou George

Cricket Field, Disc Golf Course, Fishing, Parking, Pavilion, Walking Track

McCall-Everitt Park

County Rd. 2321, Panama City

Boat Ramp, Dock, Observation Platform, Picnic Areas, Playground, Restrooms, Trails

Pete Edwards Field

7300 McElvey Rd., Panama City Beach

Concession Stand, Football Field, Parking, Restrooms, Skateboard Park

Pine Log Park

5583-A Longleaf Rd., Panama City

Boat Ramp, Restrooms

S. Rick Seltzer Park

7419 Thomas Dr., Panama City Beach

Beach, Boardwalk, Gazebo, Parking, Restrooms

Simmons Park

3023 Kingswood Rd., Southport

Baseball Fields, Softball Fields, Parking, Pavilion, Picnic Tables, Playground, Walking Track

Southport Ball Park

2038 Ball Park Rd., Southport

Baseball Fields, Softball Fields, Concession Stand, Parking, Picnic Areas, Playground, Restrooms

Southport Community Park

7734 Franklin Ave., Southport

Parking, Pavilion, Playground, Restrooms

Spring Avenue Park

1620 Spring Ave., Panama City

ADA Accessible, Parking, Walking Track

Under the Oaks/Coral Bean

5843 Hwy 98 E, Panama City

Canoe Launch, Observation Platform, Parking, Picnic Areas, Playground, restrooms, Trails

Youngstown/Fountain Recreational Complex

12321 E Hwy 20, Youngstown

Concession Stand, Football Field, Playground, Restrooms, Soccer Fields

Zollie Young Park

3829 E 43rd St., Panama City

Baseball Field, Softball Field, Concession Stand, Football Field, Off-Leash Dog Park, Pavilion, Picnic Areas, Playground, Restrooms, Tennis Courts

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living

SHOPPING

PANAMA CITY MALL

HISTORIC DOWNTOWN

In the aftermath of Hurricane Michael, most of the Mall

WWW.PCDIB.COM / 850.785.2554

WWW.PANAMACITY-MALL.COM / 850.785.9587 sustained significant wind and water damage. Although a majority of the mall is closed, it remains a shopping destination with the adjacent Shoppes at Panama City; New York’s Famous Pizza & Pasta, Best Buy, America’s Best Contacts and Eyeglasses, Palm Beach Tan, and Lisa’s Nails.

BAY CITY POINT Bay City Point is an exciting 200,000+ SF development Panama City takes pride in its historic shops lining Harrison Avenue and neighboring streets in the downtown area.

The beautifully restored buildings offer a unique shopping experience.

Antique, novelty, jewelry, clothing, photography, and one

strategically located in the heart of Panama City, FL at the heavily trafficked intersection of Hwy 77 and E 23rd Street which currently measures over 60,000 AADT. The site is centrally located, easily accessible, and includes numerous national retailers.

of a kind shops are interspersed with quaint restaurants

PIER PARK

and dance studios. This historic district is within strolling

WWW.SIMON.COM/MALL/PIER-PARK / 850.236.9974

distance of St. Andrews Bay and downtown marinas.

HISTORIC ST. ANDREWS WWW.HISTORICSTANDREWS.COM / 850.872.7208

Pier Park attracts more than 15 million visitors annually. At least 90% of vacationers visit the Emerald Coast’s premier shopping destination, often referred to as Panama City Beach’s unofficial downtown. Pier Park boasts nearly 1 million square feet of open-air shopping featuring unique retailers, tourist attractions like the SkyWheel, plus dining Historic St. Andrews is a quaint fishing village located in

options. Steps from the sand and in the heart of Panama

Panama City, Florida. Visitors are welcomed like family at

City Beach, Pier Park is ideally located to serve the area's

the many unique shops, award-winning restaurants, and

growing residential community and exploding condo

museums on St. Andrews’ Beck Avenue.

market.

Visit the working marina and buy fresh shrimp right off the

PIER PARK NORTH

boat. On Saturday, don’t miss the Market at St. Andrews.

Local craftspeople, as well as fresh from the farm meats and vegetables are all featured at the market. The market is open every Saturday, 9 a.m. – 1 p.m., rain or shine.

The Butterfly Garden trail is a delight in the spring and fall when the flowers are blooming, and the butterflies are on the move.

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WWW.PIERPARKNORTH.COM With more than 40 options for shopping, dining and service-oriented retailers, Pier Park North is the ultimate shopping experience! Their vibrant presence anchors the heart of Panama City Beach featuring a collection of notable retailers such as Dick’s Sporting Goods, Kirkland’s, Michaels, PetSmart, Ross, Shoe Carnival, World Market and

Historic St. Andrews is the place people come to escape,

more! Hungry? Situated on US-98/30A between Destin

close their eyes, take in a deep breath of the sea breeze,

and Panama City, Pier Park North has everything you love

and relax by the bay.

– all in one place.

2026 GUIDE TO DISCOVERING BAY COUNTY

living CULTURE

BAY ARTS ALLIANCE

KALEIDOSCOPE THEATRE

Bay Arts Alliance is Bay County's local arts agency. In addition to

WWW.BAYARTS.ORG / 850.640.3670

WWW.KT-ONLINE.ORG / 850.265.3226

managing arts buildings like the Center for the Arts, they are also working to help develop a thriving arts community in the county.

Originally incorporated in 1976 as a non-profit organization,

Their vision is to put art on every corner of Bay County. First up...

Kaleidoscope Theatre has developed an amazingly large and

murals! The Bay Arts Mural Program commissions several murals

diverse “family” of volunteers. Over the years, they have produced live performances of dramas, comedies and musicals for the people of Bay County. They are proud to serve our community and to

every year to ensure everyone has access to quality art. Check out their website at BayArts.org to discover more.

provide a means through which the talents of local artists can find expression.

THE MARTIN THEATRE WWW.MARTINTHEATRE.COM / 850.763.8080

Originally built in 1936, the Martin Theatre opened its doors as the “Ritz,” one of a chain of movie houses. Early memories boast visits by such notables as Clark Gable, Constance Bennett, Michael O’Shea, William Boyd and cowboy great, Bob Elliot. In the early 50’s, the Ritz chain was bought and renovated by the Martin family. The original marque was replaced with the one now gracing the facade of the building, and the cinema operated as the Martin Theatre until 1978.

In 1978, the Panama City Downtown Improvement Board’s (DIB) H. Mack Lewis, Chairman, bought the vacant building. The DIB, with funding from the State, completely renovated the facility, turning it into the current state-of-the-art-facility. Since that time, the Greenroom was added, a 1,500 sq. ft. reception and meeting room.

PANAMA CITY CENTER FOR THE ARTS WWW.PCCENTERFORTHEARTS.COM / 850.640.3670 The Panama City Center for the Arts is the arts center in Historic Downtown. They have four galleries, a gift shop, a self-serve wifi coffee café, library, kids art studio, and three classrooms—digital, painting, and pottery—all in the city's historic 1925 City Hall building. Visit them to see free art exhibitions, take classes, and attend fun arts events! They are open Tuesday through Saturday.

Spark CHANGE • High yield savings accounts

• Low rate vehicle, personal and mortgage loans • Full suite of digital services • Earn cash back rewards monthly with Ignite Checking Proudly serving Bay, Holmes, Washington, Jackson, Calhoun, Gulf, Walton, Okaloosa, Franklin and Liberty Counties.

For more information, contact us at 850.233.4400.

For more information call 850.640.3670, or visit their website at PCCenterfortheArts.com.

WWW.PANAMACITY.ORG

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12/17/25 11:50 AM

living STATE REQUIREMENTS Please refer to www.MyFlorida.com or one of the following websites for Florida relocation requirements and resources:

• • • • • • •

Elder Affairs (Retiring in Florida) www.elderaffairs.state.fl.us Department of Revenue: www.myflorida.com/dor See these sections of the Florida Statutes: www.leg.state. fl.us Section 222.17 (homestead exemption) Section 1009.21 (residency requirements for tuition and state financial aid for education) Section 196.015 (permanent residency) Section 372.57 (fishing licenses)

STATE TAXES

• Personal Income Tax: None • State Retail Sales Tax: 6.0 percent • Florida corporate income tax: 5.5% on net income • Ad valorem (real estate) taxes combine city, county and school district levies, plus special assessments.

• • • • •

Homestead Exemption: Up to $50,000 Property is assessed at approximately 100 percent of true market value.

Bay County ranks among the lowest millage rates in the state.

License Tax: 1 percent (Cities of Panama City & Panama City Beach only) Gasoline Tax: 7 cents per gallon (local), 36.7 cents per gallon (state)

AUTOMOBILE TAGS AND REGISTRATION New residents must register their vehicles and obtain a Florida license tag within 10 days of establishing legal residency, beginning work, or registering children in the public school system. Military personnel and students are exempt. Proof of Florida insurance, your out-ofstate title or registration, and a completed Florida State Form 82042 which verifies the vehicle’s identity number and odometer readings is required. Please visit the Florida Department of Highway Safety and Motor Vehicle’s website at www.flhsmv.gov for more information or the Bay County Tax Collector website at http://tc.co.bay.fl.us.

BAY COUNTY TAX COLLECTOR’S OFFICES/ DIVISION OF MOTOR VEHICLES OFFICES (OFFICE HOURS ARE 8 A.M. TO 4:30 P.M.) 850 W. 11th St.* Panama City, FL 32401 850.248.8501 17109 Panama City Beach Pkwy* Panama City Beach, FL 32413 850.233.5035 801 Florida Ave. Lynn Haven, FL 32444 850.271.8850 (written test only) 805 S. Tyndall Parkway* Callaway, FL 32404 850.872.4654 * also a DMV office - arrive before 3 p.m. for Driver's License Testing

SERVICES

NAME CHANGE FOR UNITED STATES CITIZENS

VOTER REGISTRATION

If you have legally changed your name by marriage or court order, you must submit the original or a certified copy of your marriage certificate or court order. No photocopies will be accepted unless certified by the issuing authority. New residents who have a current driver’s license from another state are required to pass only the vision portion of the examination. First-time applicants must take vision, written and road tests. Applicants should make an appointment to take the drivers examination.

Voter registration can be done at the Bay County Supervisor of Elections Office, local libraries, driver’s license offices, or completed/printed online and mailed in. You may register to vote if you are a U.S. citizen and a legal resident of Bay County, 18 years of age or older, in possession of your civil rights and not currently adjudicated mentally incompetent. You can pre-register on or after your 17th birthday, or upon receipt of a valid Florida driver’s license, whichever occurs first. Florida is a closed primary state; voter registration must be completed 29 days prior to any election. If you are interested in becoming an Election Worker, applications are available online and at the Supervisor of Elections Office.

DRIVER’S LICENSES AND ID CARDS WWW.FLHSMV.GOV The name assigned to the social security number must match the name that will appear on the Florida driver’s license or identification card. If you have recently changed your name, update your records with the Social Security Administration before you apply for your license or identification card. The cost of a first time Florida license is $48. The license is valid for eight years. License renewal is $48 and

24

a replacement license is $25. Document requirements include: birth certificate, social security card, two proofs of residential address.

Name changes must show marriage license or divorce papers.

2026 GUIDE TO DISCOVERING BAY COUNTY

SUPERVISOR OF ELECTIONS Nina Ward 830 West 11th Street Panama City, FL 32401 850.784.6100 www.bayvotes.org

living FISHING

PHONE, CABLE, INTERNET

Whether you are fishing for dinner or for a prized trophy, you’ll find it swimming in the waters surrounding Bay County. You can charter a boat to take you deep-sea fishing in the Gulf of Mexico or fish from one of our piers and bridges. A deep-sea catch might include snapper, grouper, tuna or marlin. If you prefer freshwater fishing, cast your line into Deer Point Lake, where your catch could be a large-mouth bass or bluegill.

AT&T 1.888.757.6500 www.att.com

A license is required to fish, except a “For Hire” Charter Boat where the license is included in the trip cost. Some ages are exempt from licensing. Call the Florida Fish and Wildlife Conservation Commission (FWC) for information or visit www.myfwc.com/ fishing.

Fishing licenses are available at various marina stores, tackle shops, and from the Bay County Tax Collectors offices, substation, or online at https://license.myfwc.com. Licenses are renewable annually and the cost varies.

FWC Phone Numbers Panama City Office – 850.265.3676 Tallahassee Office – 850.488.4676 Fishing License – 888.347.4356 (toll free)

UTILITIES Electric, gas, telephone and water companies require deposits for first time service in the area. Deposits vary in each municipality and for the county.

ELECTRICITY Florida Power and Light 800.225.5797 www.fpl.com Gulf Coast Electric Cooperative 850.265.3631 www.gcec.com Duke Energy 800.700.6143 www.duke-energy.com

NATURAL GAS TECO Peoples Gas 850.914.6143 www.peoplesgas.com

WATER SERVICES

Comcast 1.800.391.3000 www.comcast.com WOW! 850.215.1000 www.wowway.com

LIBRARIES Citizens in Bay, Gulf, and Liberty Counties made 303,869 visits to the eight locations of the Northwest Florida Regional Library System FY2019.

Bay County Public Library 898 West 11th Street Panama City, FL 32401 850.522.2100 www.nwrls.lib.fl.us Panama City Beach Public Library 12500 Hutchison Boulevard Panama City Beach, FL 32407 850.233.5055 www.facebook.com/PCBLibrary Parker Public Library 4710 2nd Street Parker, FL 32404 850.871.3092

AIRPORT Northwest Florida Beaches International Airport (ECP) is one of the newest airports in the United States. Located only minutes from Panama City Beach and downtown Panama City, ECP is one of the most popular transportation choices for travelers. The airport is owned and operated by the Panama City-Bay County Airport and Industrial District, otherwise known as the Airport Authority, and services flights from American Airlines, Delta Air Lines, Southwest Airlines and United Airlines.

For more information, visit their website: iflybeaches.com 6300 W. Bay Parkway | Panama City, FL 32409 850.763.6751

Water services are offered through the County and each of the municipalities; if you live within the city limits, please contact the city office of that municipality.

Bay County Water Division 850.872.4785

WWW.PANAMACITY.ORG

|

850-785-5206

25

living PUBLIC TRANSPORTATION BAYWAY

WWW.BAYWAYTRANSIT.ORG / 850.769.0557 Bayway serves Bay County including Panama City, Parker, Springfield, Callaway, Lynn Haven and Panama City Beach. For route maps and service areas, call or visit the website. Bayway recently announced they will be providing transportation services on Sundays, making the business open seven days a week. The trolley operates Monday-Friday, 6:00 a.m. to 8:00 p.m. and SaturdaySunday on a limited schedule. Bay County’s Public Transportation System was created in 1983 to provide residents and visitors with transportation services in and around Bay County. As the demand for public transportation increased, the original service area was expanded to encompass other areas of the county. Today, Bayway continues to be a safe, reliable, and affordable transportation option that makes destinations all over Bay County accessible to everyone.

To track your trolley in real-time download one of our partnering tracker apps at BayWayTransit.org.

BAYWAY TROLLEY SYSTEM MAP

GCSC/FSU PC Panama City & Panama Mall & Florida GCSC/FSU Panama City Mall PC Avenue City & Panama Mall & Florida City Mall Bayway Avenue GCSC/FSU PC Panama City & Panama Mall & Florida Panama City City Mall Avenue

Mall & Panama City Government Mall & Street Panama City Government Mall & Street Government Panama City Street Mall & Panama City Callaway Mall & Panama City Walmart Mall & Callaway Callaway Walmart Walmart GCSC/FSU PC & Callaway GCSC/FSU Walmart PC GCSC/FSU PC & Callaway & Callaway Walmart Walmart

26

920 Wilson Ave

Bayway 920 Wilson Ave Bayway Panama City, Florida 32401 920 Wilson Ave Panama City, Florida 32401 (850) 769-0557 info@baywaytransit.org

32401 769-0557 S. ThomasPanama City, Florida (850) / BaywayTransit Drive & info@baywaytransit.org S.Panama ThomasCity (850) 769-0557 / BaywayTransit / BaywayTransit Drive Mall & info@baywaytransit.org S. Thomas / BaywayTransit Panama City / BaywayTransit / BaywayTransit Drive & Mall / BaywayTransit Panama City GCSC/FSU/ BaywayTransit PC Mall / BaywayTransit & West End GCSC/FSU PC Winn-Dixie GCSC/FSU PC & West End & West End Winn-Dixie

Winn-Dixie

2026 GUIDE TO DISCOVERING BAY COUNTY

Developmental Laboratory Charter High School

A NEW DIRECTION Experience a tuition-free, college-focused high school where students earn university credit and build pathways toward future careers.

At TCS, students benefit from a dual enrollment and college-preparatory curriculum designed in partnership with Florida State University, one of the nation’s leading research institutions.

Apply Now

tcs.fsu.edu

education

education

BAY DISTRICT SCHOOLS The dedicated team of professional educators, support staff and administrators at Bay District Schools (BDS) is committed to delivering high-quality educational services to all students in Bay County. With a diverse array of schools and talented educational leaders, students have access to a plethora of rigorous academic opportunities with a deep level of individualized support and differentiation.

Students with special needs are served in the regular academic setting where appropriate. They can also choose to attend many special service schools if parents prefer those educational settings. Elementary schools prioritize character-building and citizenship lessons alongside academics. Students have multiple opportunities throughout the year to volunteer and to “give back” to the community that supports them.

DISTRICT FACTS 43 SCHOOLS

• • • • • • • •

3 High Schools 4 Middle Schools 17 Elementary Schools 5 Combined Grade Level Schools (1-K-8th, 1-K-12th, 2-6th-12th) 3 Special Purpose Schools 1 Adult/Technical School 9 Charter Schools 1 Virtual School

TOTAL STUDENTS: 27,389 (PRE-K to 12) Middle school students have the ability to prepare for advanced academic coursework in high school by enrolling in a variety of advanced and pre-AP classes where available. In high school, students can further advance their post-graduation pathways by participating in a wide variety of Dual-Enrolled, Advanced Placement, IB and AICE coursework. Many students graduate from high school with an Associate’s Degree already in hand, thanks to their partnership with Gulf Coast State College. Other students choose to enroll in specific Career and Technical Education courses that lead to valuable industry certifications, college credit, and job opportunities with high-wage positions.

While academics are the primary responsibility, the district places a high priority on safety and security.

Working in tandem with area law enforcement officers and District Safety and Security Department, all campuses are protected with their own dedicated law enforcement officers, secure perimeters and controlled access points.

Community involvement is welcome and is always in need of mentors, volunteers, guest speakers and other business leaders who want to work with our students and support our schools.

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2026 GUIDE TO DISCOVERING BAY COUNTY

ETHNICITY • White .............................................. 61.65% / 13,830 • African American ................................ 15.4% / 3,450 • Hispanic ............................................. 13.6% / 3,050 • Other ................................................... 7.4% / 1,660 (i.e., American Indian, Asian, Pacific Islander and multi-racial) OTHER STUDENT STATS • Student with Exceptionalities (ESE which includes gifted students) .............................................. 5,905 • Homeless Students ......................................... 1,285 • English Language Learners (ELL) ...................... 1,338 44 different languages spoken by ELL students from 43 countries GRADUATING SENIORS • Students are recognized in the National Merit Scholarship program every year FEDERAL GRADUATION RATE (STANDARD DIPLOMA) DISTRICT • A. Crawford Mosley High School ...................... 94.2% • Bay High School ............................................. 83.6% • J.R. Arnold High School ....................................92.2% • Rutherford High School ................................... 77.3% • Deane Bozeman High School ........................... 90.9%

education EMPLOYEES

The Bay School District is one of the top employers in Bay County.

MORE THAN 3,455 (AS OF 2/01/2023) FULL TIME EMPLOYEES

• • • • •

Instructional Staff .................................................. 45.5% / 1,575 School Administrators ................................................ 3.2% / 111 District Administrators ............................................... 4.5% / 156 Support Staff ......................................................... 37.5% / 1,296 Other ........................................................................ 5.3% / 184

TEACHERS BEGINNING SALARY FOR INSTRUCTIONAL AND UP TO 13 YEARS EXPERIENCE FOR NEW PLACEMENTS: = $50,500 INSTRUCTIONAL SUPPLEMENTS:

• • •

Masters Degree ............................................................... $2,500 Specialist Degree ............................................................ $5,100 Doctorate Degree ............................................................. $7,800

ELEMENTARY SCHOOLS A Gary Walsingham Academy...................................... 850.767.5475 Callaway........................................................................850.767.1241 Cedar Grove................................................................. 850.767.4550 Deer Point.................................................................... 850.767.5462 Hiland Park................................................................... 850.767.4685 Hutchison Beach...........................................................850.767.5195 Lucille Moore............................................................... 850.767.1428 Lynn Haven.................................................................. 850.767.1454 Merriam Cherry Street.................................................. 850.767.1480 Northside......................................................................850.767.1506 Oakland Terrace (Visual & Performing Arts)................. 850.767.4565 Oscar Patterson Academy............................................850.767.1610 Parker........................................................................... 850.767.4570 Patronis........................................................................850.767.5075 Southport.....................................................................850.767.1636 Tommy Smith............................................................... 850.767.1688 Waller........................................................................... 850.767.4341 West Bay Elementary School........................................ 850.767.1850

MIDDLE SCHOOLS Jinks............................................................................. 850.767.4695 Merritt Brown............................................................... 850.767.3976 Mowat..........................................................................850.767.4040 Surfside........................................................................ 850.767.5180

HIGH SCHOOLS A. Crawford Mosley......................................................850.767.4400 Bay...............................................................................850.767.4600 J.R. Arnold.................................................................... 850.767.3700 St. Andrews Bay STEM Academy High School.............. 850.215.1020

COMBINATION SCHOOLS (K-8 / K-12)

“Sales, Service and Delivery throughout the Southeast”

Offset, Web & Digital Printing Promotional Products Online Storefronts Warehousing, Fulfillment Kitting & Mailing Contact

Tim Cantrell

For all your Print Needs

803-315-2853

tcantrell@proprinters.com

Breakfast Point Academy (K-8).....................................850.767.1190 Deane Bozeman School (K-12).......................................850.767.1300 Rosenwald (6-12).......................................................... 850.767.4580 Rutherford (6-12).......................................................... 850.767.4500 Tyndall Academy (K-8)..................................................850.767.1714

SPECIAL PURPOSE SCHOOLS Margaret K. Lewis..........................................................850.767.1792 New Horizons Learning Center..................................... 850.767.1110 St. Andrew................................................................... 850.767.4595

ADULT/CAREER & TECHNICAL SCHOOL Tom P. Haney Technical Center.................................... 850.767.5500

CHARTER SCHOOLS AMIKids Maritime Academy.......................................... 850.919.2213 Bay Haven Charter Academy....................................... 850.248.3500 Central High School.................................................... 850.866.4148 Chautauqua Learn & Serve (Disabled Adults 18 to 22).. 850.785.5056 North Bay Haven Charter Academy (Elementary)........850.248.0205 North Bay Haven Charter Academy (Secondary)..........850.248.0801 Palm Bay Preparatory Academy................................... 850.215.0770 Rising Leaders Academy..............................................850.215.0844 University Academy.................................................... 850.481.4410

VIRTUAL SCHOOL Bay Virtual....................................................................850.767.4460 WWW.PANAMACITY.ORG

|

850-785-5206

29

education COVENANT CHRISTIAN SCHOOL WWW.CCS.PC.NET / 850.769.9354

The right education opens doors, but a classical and Christian education will prepare your child for life and eternity. The heartbeat of Covenant Christian School is rigorous academics, loving personal attention, and a daily Biblical focus in all subjects as seen from a Christian world and life view. Students learn to see the big picture of history and time through the integrated study of Literature, Theology, History, Latin, Logic, Math, Science, Physical Education, Music and Art. CCS students rank among the highest in their peer groups on the nationally standardized IOWA Assessments. CCS, where students learn to love and love to learn to the glory of the Lord Jesus Christ.

is essential in creating children who love God and will excel in the future. St. John Catholic Academy prepares and educates students for academic success and forms Disciples of Christ for life. Our unique classes are sized to allow for highly individualized attention.

Students use resources that keep them engaged and learning, helping our students rank among the top private schools nationally, and we expect nothing less.

HOLY NATIVITY EPISCOPAL SCHOOL

WWW.HOLYNATIVITYSCHOOL.COM / 850.747.0060 Serving Bay County for over 6o years, Holy Nativity Episcopal School provides an education for students from Jr. Pre-K through 8th grade.

Accredited by the Florida Council of Independent Schools for 28 years, Holy Nativity has integrated, advanced subject area course work, as well as education in the Arts and personal fitness. Before and afterschool care is available daily. Holy Nativity, like fellow members of the National Association of Episcopal Schools, is an inclusive Christian environment welcoming students of diverse religions, races, and economic backgrounds. Tours of the campus, a historic landmark in Bay County, can be arranged by contacting the Office of Admissions.

TROY UNIVERSITY

WWW.TROY.EDU / 850.747.0634 Troy University is a regionally accredited institution with a tradition of teaching excellence dating back to its founding in 1887. Falling under the University’s Global Campus operation, TROY has two Bay County locations to service primarily adult, non-traditional students by offering programs 100% online and fully in-class. Course offerings in-class include the Master of Science in Counseling and Psychology and through the TROY Online division a full array of Associate, Bachelor and Master degrees are available. Conveniently located on Tyndall AFB and on Airport Road in Panama City, the TROY administrative offices provide services to all students pursuing their degrees either in-class or in a distance learning format.

EMBRY-RIDDLE AERONAUTICAL UNIVERSITY

WORLDWIDE.ERAU.EDU/LOCATIONS/TYNDALL / 850.283.4557

PANAMA CITY TRILINGUAL SCHOOL WWW.PCTRILINGUAL.ORG / 850.257.5054

The Panama City Trilingual School was founded in 2012 as a private educational co-op after the closure of Renascence International School. Renascence International School was a private trilingual school located in Panama City that provided multilingual studies in Mandarin Chinese and Spanish. Kellie Dingus and the founding parents valued the precociousness and mental growth that multilingual studies encouraged in their children. The Panama City Trilingual School incorporated is dedicated to the mission of continuing to expand our students’ access to linguistic, academic and cultural studies that will prepare them for bright futures.

ST. JOHN CATHOLIC SCHOOL

WWW.STJOHNCATHOLICSCHOOL.COM / 850.763.1775 St. John Catholic Academy is a private preschool, elementary, and middle school serving infants through 8th grade for students of all denominations. We are a vibrant community made up of families, teachers, and community members who believe a Catholic education 30

2026 GUIDE TO DISCOVERING BAY COUNTY

Embry-Riddle Aeronautical University (ERAU) is known for more than just world-class aviation and aerospace programs. ERAU offers degree options ranging from Project Management to Engineering.

The Embry-Riddle Tyndall/Panama City Campus offers 17 bachelor’s degrees, and 23 master’s degree programs. ERAU, located on Tyndall Air Force Base, has been working with the U.S. Military service members and civilians since 1970. They have more than 130 worldwide locations and more than 90 campuses on military installations around the globe. Embry-Riddle’s flexible degree delivery methods include courses in a classroom, webcam based learning, and online. Terms are offered every month and each term is 9-weeks in length. Give ERAU a call—850-283-2315 or email us at tyndall@erau.edu.

Enjoy amenities like walking trails and parks without ever leaving the community, all while still being approximately 2 miles from shopping, dining and the world’s most beautiful beaches.

HOMES FROM THE $400' S

. PANAMA CIT Y BEACH, FLORIDA

B R E A K FA S T P O I N T E A S T . C O M ©2025 The St Joe Company. All Rights Reserved. “Breakfast Point®” is a registered service mark of The St Joe Company or its affiliates. The features and amenities described and depicted above are based upon current development plans, which are subject to change without notice. Parties who build homes in the Breakfast Point® East community are independently owned and operated. The St. Joe Company does not guarantee the obligations of, nor provide any warranties for, homes built by unaffiliated parties who build homes or offer services in the Breakfast Point® East community. This does not constitute an offer to sell Breakfast Point® East real property in any jurisdiction where prior registration or other advance qualifications of real property is required, including, New York. Void where prohibited by law.

education GULF COAST STATE COLLEGE WWW.GULFCOAST.EDU / 850.769.1551

Gulf Coast State College (GCSC) provides a first-class education with an emphasis on success, regardless of students’ academic background or age, focusing on their dreams and goals. Gulf Coast offers a variety of program and certificate options focused on quality and practicality, and because the College has the lowest instate tuition rate of any other state college or university in Florida, a degree from GCSC is a tremendous value.

courses and lower-division prerequisites required to complete any of the high-demand, undergraduate degrees with smaller class sizes and more one-on-one support.

FSU is ranked 19th among all public national universities in U.S. News and World Report’s 2023 America’s Best Colleges. This is the fourth consecutive year FSU has been in the Top 20. FSU has been named the 8th Best Value College in the nation, according to U.S. News & World Report’s 2023 Best Online Programs.

The College offers four bachelor’s degrees in Digital Media, Technology Management, Nursing and Organizational Management with

specializations

in

Entrepreneurship,

Health

Services

Administration and Emergency Services Administration. Students may pursue an Associate in Arts degree with many different program options, or workforce-specific Associate in Science degrees and technical certifications, including our most popular programs in Culinary/Hospitality, Unmanned Vehicle Systems, Health Sciences, and Engineering Technology.

Gulf Coast State College graduates are extremely successful, whether transferring to state universities or completing GCSC’s four year degrees. The College serves more than 10,000 students annually in traditional classes, online courses, Continuing Education and professional training courses. In addition, GCSC is also recognized as one of the top-tier, military friendly colleges in the country, providing a supportive environment for active duty, reservists and dependents, as well as veterans. Classes are offered at convenient times and in multiple locations, as well as online and distance education courses. GCSC holds classes at the Main Campus in Panama City, the North Bay Campus in Southport, Tyndall Air Force Base and the Gulf/Franklin Campus in Port St. Joe.

FLORIDA STATE UNIVERSITY PANAMA CITY PC.FSU.EDU / 850.872.4750

32

Undergraduate and graduate degree programs at FSU Panama City include Electrical, Computer, Civil, Mechanical and Systems Engineering; Computer Science; Law Enforcement Intelligence; Accounting;

Entrepreneurship;

Psychology;

Social

Work;

Recreation, Tourism and Events; Public Health; Nurse Anesthesia and much more.

FSU Panama City is one of few schools in Florida that offer an Underwater Crime Scene Investigation Minor. This unique minor is offered through the Public Safety and Security program. This course and many others at FSU Panama City are offered both in person or online.

FSU Panama City finished the construction of their student housing right on the bay, Seminole Landing. The new development feature one, two and four-bedroom floor plans in a variety of layouts. The apartments are fully-furnished, and include an in-unit washer and dryer, vinyl plank wood flooring, energy-efficient appliances, and TV service. Residents have access to a state-of-the-art fitness center, outdoor swimming pool, study rooms, common area with TV on every floor, and plenty more!

CHILDCARE CHILDCARE NETWORK

SCHOOLS.CHILDCARENETWORK.COM/SEARCH / 850.785.5732 (PANAMA CITY) / 850.265.1509 (LYNN HAVEN) Childcare Network is committed to providing a space where children

FSU Panama City offers students the opportunity to earn a nationally

can learn, grow and have fun! Their teachers are more than just

recognized Florida State University degree, while providing a four-

professionals – they’re smile-makers, imagination-igniters and

year undergraduate experience, as well as graduate programs on a

kindness-creators! They know that every child is special and deserves

beautiful waterfront campus. FSU Panama City offers liberal studies

to be treated as such.

2026 GUIDE TO DISCOVERING BAY COUNTY

HOMES FROM THE 300'S TO 1 MILLION+ Find your new home at one of the distinct Ward Creek neighborhoods! Residents of Ward Creek will be in close proximity to the Gulf of Mexico, Northwest Florida Beaches International Airport, FSU Health Medical Campus, the shopping and entertainment of the Pier Park® area, and the planned marina on the Intracoastal Waterway.

1

3

2

79

Fro nt B

388

1 West Bay 2 3 ea ch

390

Rd

Panama City Beach

TYNDALL AF

WARDCREEKFLORIDA.COM

. PANAMA CITY BEACH, FL

© Ward Creek, LLC 2025. All Rights Reserved. “Pier Park®” is a service mark of The St. Joe Company and is used under license.

We are in compliance with Title VIII of the Civil Rights Acts of 1968. We have not and will not discriminate against you because of your race, color, religion, sex, national origin, familial status or handicap. This material does not constitute an offer to sell real property. Amenities and other features mentioned are based on current development plans, which are subject to change without notice. It is recommended that prospective purchasers refer to the specific community websites and specific disclosures, together with other independent sources for additional information to make decisions based upon their own conclusions. Ward Creek, LLC does not guarantee the obligations of, nor provide any warranties for, unaffiliated parties who design or build homes or offer services in the Ward Creek communities. Void where prohibited by law.

Gulf of Mexico

tourism & business

TOURISM Tourism is Bay County’s number one industry, generating over $3.1 billion in direct visitor spending. Tourismgenerated revenue and tourism related taxes benefit every resident of Bay County.

The Bay County Tourist Development Council (TDC), Panama City Community Development Council (CDC) and Mexico Beach Community Development Council (CDC) are all responsible for marketing Bay County as a year-round tourist destination, funded through a 5% tourist development tax applied to short-term overnight accommodation rentals, which equates to about 19 million visitor days/nights each year. The tax also pays for beach restoration, cleaning and maintenance efforts, as well as event support.

The TDC and CDCs have adopted a strategic focus to enhance the visitor experience, to develop the area into a year-round destination, to effectively market Bay County and to diligently protect our most important natural resources – our coastlands and our beach.

For more information on Bay County Tourism, visit VisitPanamaCityBeach.com, destinationpanamacity.com or mexicobeach.com.

ECONOMIC DEVELOPMENT THE ECONOMIC DEVELOPMENT ALLIANCE OF BAY COUNTY WWW.BAYEDA.COM / 850.215.9965 Welcome to Bay County, Florida! Bay EDA is delighted to have you in our community and hope you are enjoying the unsurpassed quality of life and exceptional business climate.

Bay EDA supports the existing pillars of the economy and is dedicated to growing and diversifying the Bay County economy. Public and private partners are committed to growing quality jobs in the targeted sectors of aviation

34

2026 GUIDE TO DISCOVERING BAY COUNTY

and aerospace, technology, advanced manufacturing, distribution, and logistics. Whether someone is looking to start, expand, or relocate their business, Bay EDA has the tools, resources, and support available to make an informed and smart decision to ensure success in Bay County.

Bay EDA’s team of professionals is available to confidentially assist those interested in doing business in Bay County with the following services: • • • • • • • • •

Confidential Project Management Site Selection Customized Research Demographic and Labor Market Analysis State and Local Incentives Assistance Permitting Assistance Workforce Development Public/ Private Partnerships Real Estate Marketing

Once settled, Bay EDA hopes to have the opportunity to meet you and would love for you to help spread the word about the great assets here.

BAY COUNTY’S COMMUNITY ASSETS •

• • • • • • • • •

Two pad ready economic development sites certified

by McCallum Sweeney International Site Location Consultants Certified site with direct rail access at the Port’s Intermodal Distribution Center International Airport with a 10,000 foot runway and thousands of acres for development Strong Deep-Water Port Freight rail & interstate connectivity Tier-One Research University Regional Campus Skilled workforce bolstered by major military presence Advanced Technology Center No State Income Tax Right to Work State

tourism & business DISTRIBUTION

EMPLOYMENT SERVICES

VENTURECROSSINGS ENTERPRISE CENTER in West Bay of Panama City Beach, offers a strategic location for those seeking to launch, expand or consolidate a business. Numerous real estate options exist—pad-ready sites, build-to-suit construction, and thousands of acres of developable land — offering businesses flexibility and capacity to grow. The location allows for the potential of 24/7 operations and transportation options via air, land or sea.

Looking to connect with employment opportunities or qualified job candidates? Look no further than CareerSource Gulf Coast.

Recognized as the region’s employment and training agency, CareerSource Gulf Coast offers a variety of employment services to businesses and jobseekers – all at no cost.

Anchored by Northwest Florida Beaches International Airport, major arterial highways and several Florida Gulf Coast military installations, this growing commercial hub can provide the connections and solutions for your expanding business. A premier location, affordable land, and a motivated workforce with numerous training and educational facilities nearby, create a nurturing environment for businesses.

THE BAY LINE RAILROAD connects freight service throughout the continental U.S. linking to CSX’s 21,000-mile network, while serving major population centers in 23 states east of the Mississippi and parts of Canada. It also connects to Norfolk Southern, linking 22 states and every major container port in the eastern U.S.

CAREERSOURCE GULF COAST 625 HIGHWAY 231, PANAMA CITY, FL 32405 WWW.CAREERSOURCEGC.COM / 850.872.4340 CareerSource Gulf Coast is part of the statewide CareerSource Florida network and offers free programs and services to meet the community’s workforce needs. In Bay County, CareerSource Gulf Coast offers a comprehensive Job Center that provides services to both businesses and jobseekers. For businesses, the Job Center provides assistance with recruiting, screening and assessing job candidates. In addition, the Job Center also provides access to current labor market data and office space for recruiting and/or interviewing applicants. For jobseekers, the CareerSource Gulf Coast Job Center provides job referrals/leads, career counseling services, resume and interviewing assistance, and access to computers and printers for their job search.

Frequent moves associated with the military lifestyle can make finding employment a challenge. The Military Family Employment Program can help. CareerSource Gulf Coast and its partners provide a variety of employment services and assistance for military families. The Bay County area has a lot to offer spouses and dependents of active duty military and activated Florida National Guard and Reserve service members. Career counselors will work one-on-one to help update resumes, prepare for interviews and find reliable employment.

MAJOR EMPLOYERS PORT PANAMA CITY is a growing, deep-water port located directly on St. Andrews Bay in Panama City with Free Trade Zone status. It has facilities for handling general and bulk cargo and provides a Gulf Coast gateway to shippers and consignees in Georgia, Alabama, Florida, Tennessee and the Carolinas. Key commodities handled at the port include containerized cargo, forest products, copper, and steel. Bulk Cargos include wood pellets, aggregates, and molasses.

The Port Authority has recently completed the development of a $65 million forest products terminal to accommodate ongoing growth of cargo activity. The Port also has industrial sites available at its 200 acre Intermodal Distribution Center located on Highway 231 (15 miles north of Panama City).

BAY COUNTY’S TRANSPORTATION HIGHWAY NETWORK consists of Bay County highways complemented by U.S. Highways 98 and 231, and Florida Routes 20, 22, 77 and 79. Interstate Highway 10 is located 13 miles from the northern portion of Bay County and 38 miles from the center of Panama City, linking Florida to California and intersecting with nine of the 10 north-south interstate highways.

Tyndall Air Force Base

~6,400

Naval Support Activity

~5,200

Bay District Schools

3,605

Eastern Shipbuilding Group

1,800

Wal-Mart & Sam's Club

1,500

Bay County Constitutional Officers

1,214

Ascension Sacred Heart (Northwest Florida)

~1,000

Trane

800

HCA Florida Gulf Coast Hospital

631

Resort Collection

600

City of Panama City

483

Gulf Coast State College

400

Royal American Management

375

Borusan Berg Pipe

350

WWW.PANAMACITY.ORG

|

850-785-5206

35

military installations

U.S. military installations, including Naval Support Activity

F-35A Lightning II aircraft. When the transition is complete,

Panama City, Tyndall Air Force Base, and nearby Eglin Air

the 325th Fighter Wing will become the Air Force’s newest

Force Base, anchor the region's economy and attract

operational fighter wing with three F-35 squadrons tasked

research, defense contractors, and aerospace companies.

to maintain combat readiness in support of national

COAST GUARD STATION PANAMA CITY, adjacent to Naval Support Activity Panama City on Panama City Beach, FL, was established in 1935 at St. Andrews Marina and moved to Alligator Bayou in October 1971.

defense. Tyndall AFB is also in the process of rebuilding into the Department of Defense’s first-ever “Installation of the Future” after it was destroyed by Hurricane Michael in 2018. The almost $5 billion rebuild is the largest installation build in DoD history and is leveraging cutting-edge

The main building is 14,000 square feet and is situated on 18 acres of land. The Station has two 45-foot Response

technology, resilient infrastructure, and increased security to enable efficient and effective mission execution.

Boat Medium, a 29-foot Response Boat Small, and a 24 and

Over six thousand military, civilians and families live and

27- foot Shallow Water Response boats to carry out Search

work on Tyndall. The base provides support facilities for

and Rescue, Maritime Law Enforcement, Environmental

more than 23 thousand military retirees and their families

Protection, Living Marine Resource, and Port/ Waterways/

and has a local economic impact that exceeds $4.5 billion.

Coastal

Security

missions.

The

Station’s

area

of

responsibility extends 50 miles offshore and stretches along 168 miles of coastline from Lake Powell in the west, to Rock Island in the east encompassing 3,900 nautical miles. This large area also incorporates the vigilant watch over 40 bayous, 18 rivers, 16 bays, 3 sounds, 2 lakes and 107.5 statute miles of Intracoastal Waterway. The Station is billeted for 26 active duty Coast Guard personnel and 20 reservists. The Station is the call-out authority for One Coast Guard Auxiliary Flotillas. Coast Guard Station Panama City is the host command for five tenant commands which include: Coast Guard Cutter COBIA, Coast Guard Cutter RIDLEY, Aids to Navigation Team, Electronic Support Detachment, and a Marine Safety Detachment.

In August 2023, Bay County was officially designated a Coast Guard Community, becoming only the 31st community in the United States to receive this recognition.

TYNDALL AIR FORCE BASE (TAFB) encompasses more than 29,000 acres in southeastern Bay County. The 325th Fighter Wing is the host wing of the installation. Also known as the ‘Checkertails’, Tyndall Airmen are dedicated to their primary mission: “Project Unrivaled Combat Power for America!” Last year the wing transitioned from a training to a combat-ready wing and welcomed its first

NAVAL SUPPORT ACTIVITY PANAMA CITY (NSA PC) has its origins in the mine countermeasures research conducted during World War II at the U.S. Naval Mine Warfare Test Station, Solomons, MD. In July 1945, the station was moved from Maryland to Florida, to a tract along St. Andrew Bay. Over the ensuing decades, the base expanded to over 650 acres and underwent several name changes until it reorganized under Commander, Navy Installations Command in 2003, becoming Naval Support Activity Panama City (NSA PC) and reporting to the Commander, Navy Region Southeast.

The primary mission of NSA PC is to provide, operate and maintain facilities, provide defense and physical security of critical infrastructure and provide operational support to the Fleet, Fighter and Family, and supported commands.

Major tenants include Naval Surface Warfare CenterPanama City Division (NSWC-PCD), Naval Diving and Salvage Training Center (NDSTC), Navy Experimental Diving Unit (NEDU), and U.S. Coast Guard Station Panama City. Together, NSA PC employs over 4,000 personnel with an annual payroll exceeding $466 million and contributes over $600 million annually to the local economy through contracts.

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2026 GUIDE TO DISCOVERING BAY COUNTY

Top Reasons to Work for Bay County...

Great Benefits

Low-cost health insurance (employees pay just 10%), plus available dental, vision, and 24/7 doctor-byphone.

Incentive Programs

Earn incentive leave for community involvement, including blood drives and volunteer events.

Florida Retirement System

Generous retirement through the Florida Retirement System (FRS).

Advancement Opportunities With 600+ employees across many departments, growth opportunities are frequently available.

Training & Development

Paid Time Off

Access to the in-house Employee Academy and additional professional training.

Employees earn 24 days of PTO in the first year, with increases over time.

Education Assistance

Tax-Deferred Options

Tuition reimbursement available for approved education.

Access to 457 plans, HSAs, FSAs, and Section 125 programs.

Paid Holidays

Enjoy 12 paid holidays each year.

Employee Assistance Program

Seven free counseling sessions annually for employees and their families.

View open positions and apply online at baycountyfl.gov.

Questions? Call Human Resources at (850) 248-8201.

FIND YOUR NEXT HOME HOMES AVAILABLE FOR SALE

Whether you’re starting a new chapter or looking for a change of pace, The St. Joe Company offers thoughtfully planned communities designed to fit your lifestyle.

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©

The St. Joe Company 2025. All Rights Reserved. “Breakfast Point®,” “JOE®,” “St. Joe®,” and “St. Joe w/ Taking Flight design®” are service marks of The St. Joe Company.

This material shall not constitute a valid offer in any jurisdiction where prior registration is required and has not been completed. Void where prohibited by law. Equal Housing Opportunity. The St. Joe Company does not guarantee the obligations of, nor provide any warranties for, unaffiliated parties who build homes or offer services in these communities. Map is not drawn to scale.

BAY.FLORIDAHEALTH.GOV / 850.872.4455 The Florida Department of Health in Bay County provides comprehensive public health services. Clinic services include immunizations, TB testing and treatment, STD exams, HIV testing and treatment, women’s health exams and family planning services. Their HIV/AIDS and Hepatitis Prevention program provides rapid and confidential HIV and Hep C testing each Tuesday, with test, treat and PrEP. Freedom 180 is their positive youth development program that focuses on sexual risk avoidance. The Tobacco Prevention Program includes Students Working Against Tobacco and our Tobacco Free Partnership. The Diabetes Services Program provides education for those who need to manage their diabetes and for those who are at risk of developing Type 2 diabetes.

ASHB is the only hospital in the Panama City area offering comprehensive cardiac care including open heart surgery, TAVR, and cryoablation. The medical team offers board certified cardiologists, as well as cardiovascular and thoracic surgeons.

ASHB offers pediatric and adult rehabilitation at two locations: 2497 Martin Luther King BLVD, Panama City, and 1111 Panama City Beach Parkway, Panama City Beach.

Both facilities provide physical, occupational, and speech therapy.

ASHB offers 24/7 emergency services at two locations: the main hospital campus at 615 Bonita Avenue, and the Beach ER at 1111 Panama City Beach Parkway.

health

FLORIDA DEPARTMENT OF HEALTH IN BAY COUNTY

HCA FLORIDA GULF COAST HOSPITAL WWW.HCAFLORIDAHEALTHCARE.COM / 850.769.8341

DOH-Bay’s Environmental Health program is responsible for septic systems, inspecting public pools, and the Florida Healthy Beaches Program that samples beach water biweekly from March – October. Florida birth and death certificates are available. For more information, call 850872-4455 or visit Bay.FloridaHealth.gov.

ASCENSION SACRED HEART BAY (ASHB) WWW.BAYMEDICAL.ORG / 850.769.1511

Ascension Sacred Heart Bay is a 136 Bed Hospital with 8 operating rooms, 5 cardiac cath labs, and focuses on heart and surgical services, including robotic surgery. Ascension Sacred Heart Bay is a Level II Trauma Center, Level II Adult Cardiovascular Center, AHA Gold Level Stroke Center, and AHA Gold Level PCI. ASHB employs over 1000 individuals in Bay and surrounding counties, and provides services for patients in a seven county area.

HCA Florida Gulf Coast Hospital is a 238-bed acute care hospital serving Bay County and surrounding communities for 45 years. Located in Panama City, Florida, its team of more than 550 providers and 1,100 employees work to ensure patients receive the highest quality of care. With the area’s only designated Pediatric ER, four-bed Pediatric ICU and 28-bed NICU, the hospital is ready to care for Bay County’s youngest residents. Average ER wait times are available by texting ER to 32222. The hospital has the only Accredited Chest Pain Center with Primary PCI with Resuscitation as recognized by the American College of Cardiology. The hospital has received advanced certification for Primary Stroke and Sepsis as designated by the Joint Commission. The hospital’s cancer program has achieved comprehensive designation by the Commission on Cancer and is an accredited breast program by the National Accreditation Program for Breast Cancers (NAPBC). These designations demonstrate the hospital’s commitment to safety and quality of care.

WWW.PANAMACITY.ORG

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850-785-5206

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health HCA has two 24/7 emergency facilities in the Bay County area:

Florida Panhandle: Blue Springs Outpatient Center in Marianna and

HCA Florida Breakfast Point Emergency on Panama City Beach

Okaloosa Outpatient Center in Fort Walton Beach. Additionally, they

Parkway, and HCA Florida Panama City Emergency off of Highway

offer Transcranial Magnetic Stimulation (TMS) therapy at the main

231. HCA Florida Gulf Coast Hospital is also expanding access to

campus in Panama City, as well as the Okaloosa Outpatient Center

emergency care in Bay County with a new freestanding emergency

in Fort Walton Beach.

department planned for Callaway and an expansion of its current Panama City emergency facility. These additions will provide faster, more convenient care for residents across the region.

EMERALD COAST BEHAVIORAL HOSPITAL WWW.EMERALDCOASTBEHAVIORAL.COM / 850.763.0017

Emerald Coast Behavioral Hospital provides acute psychiatric services in a secure and nurturing environment to children (ages 4 to 12), adolescents (ages 13 to 17) and adults (ages 18 and older).

With confidentiality and sensitivity, their inpatient programs allow patients to begin treatment in an intensive and secure therapeutic environment where they are cared for 24 hours a day by their team of compassionate and highly trained professionals. Treatment includes medication management, individual, group and family therapy, classes in coping skills and a wide variety of therapeutic activities, such as expressive therapy, art and music therapy, recreational therapy and yoga therapy. Their clinical staff utilizes a range of evidence-based treatment, including Cognitive Behavioral Therapy (CBT), Cognitive Processing Therapy (CPT), Dialectical Behavior Therapy (DBT) strategies and Prolonged Exposure (PE). Their goal is to stabilize acute symptoms as quickly as possible so patients can continue treatment in a less restrictive, outpatient environment.

Their four outpatient centers offer intensive outpatient and partial

Located at the main campus is the 86-bed inpatient psychiatric

hospitalization programs with the same patient-centered care for

hospital and outpatient center. Emerald Coast Behavioral Hospital

individualized, specific treatment goals, allowing the best continuity

also has three satellite outpatient centers located throughout the

of care for our community.

Your business belongs here ...

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Obtain the Property Report required by Federal law and read it before signing anything. No Federal agency has judged the merits or value, if any, of this property. WARNING: THE CALIFORNIA BUREAU OF REAL ESTATE HAS NOT INSPECTED, EXAMINED, OR QUALIFIED THE OFFERINGS. Latitude Margaritaville Kentucky Registration Number R-201. For NY Residents: THE COMPLETE OFFERING TERMS FOR THE SALE OF LOTS IN LATITUDE MARGARITAVILLE AT HILTON HEAD ARE IN THE CPS-12 APPLICATION AVAILABLE FROM SPONSOR, MINTO LATITUDE HH, LLC. FILE NO. CP18-0021. THE COMPLETE OFFERING TERMS FOR THE SALE OF LOTS IN LATITUDE MARGARITAVILLE WATERSOUND ARE IN THE CPS-12 APPLICATION AVAILABLE FROM SPONSOR, LMWS, LLC. FILE NO. CP20-0062. Pennsylvania Registration Numbers OL001170 (Latitude Margaritaville at Hilton Head) and OL001182 (Latitude Margaritaville Watersound). Latitude Margaritaville at Hilton Head and Latitude Margaritaville Watersound are registered with the Massachusetts Board of Registration of Real Estate Brokers and Salesmen, 1000 Washington Street, Suite 710, Boston, MA 02118 and with the Consumer Financial Protection Bureau, 1700 G Street, NW, Washington, D.C. 20552. This material shall not constitute a valid offer in any state where prior registration is required and has not been completed. Photographs are for illustrative purposes only and are merely representative of current development plans. Development plans, amenities, facilities, dimensions, specifications, prices and features depicted by artists renderings or otherwise described herein are approximate and subject to change without notice. ©Minto Communities, LLC 2025. All rights reserved. Content may not be reproduced, copied, altered, distributed, stored, or transferred in any form or by any means without express written permission. Latitude Margaritaville and the Latitude Margaritaville logo are trademarks of Margaritaville Enterprises, LLC and are used under license. Minto and the Minto logo are trademarks of Minto Communities, LLC and/or its affiliates. St. Joe and the St. Joe logo are trademarks of The St. Joe Company and are used under license. CGC 1519880/CGC 120919. 2025

Six Decades. Three Generations. One Tradition.

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