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Vacation rentals with lake access in Florida Panhandle

Find and book unique lake access rentals on Airbnb

Top-rated lake access rentals in Florida Panhandle

Guests agree: these lake access rentals are highly rated for location, cleanliness, and more.

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A large, inviting pool area is surrounded by lush landscaping, including palm trees and well-kept shrubs. Comfortable lounge chairs are positioned near the edge of the pool, with a spacious deck leading to the water. In the background, a tall building is visible against a clear blue sky.

Condo in Panama City Beach

4.69 out of 5 average rating, 280 reviews

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

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

Two bright yellow kayaks are positioned on the grassy shore, facing the calm water. Tall trees and sparse vegetation frame the serene view of the waterfront, with a clear blue sky and wispy clouds above. The natural landscape invites exploration and outdoor activities.

Camper/RV in Navarre

4.86 out of 5 average rating, 169 reviews

Bayfront Forest Camper with kayaks/nature trail

The best of both worlds. Our 11-acre waterfront family’s retreat is the ideal getaway for outdoor enthusiasts and beach lovers. With RVs on the front of the property and the occasional tent camper dispersed through out the acreage, you’ll enjoy time away from the crowds walking the mulched trail to the water or using the two kayaks provided for guest use. We offer additional experiences. Outdoor brunch for two/group, afternoon teatime, boho picnic, s’mores bundles, etc. Message with interest.

Top guest favorite

An open studio layout is presented with a spacious king-size bed and a comfortable sofa. A round table sits nearby, while large glass doors lead to a balcony with ocean views. Soft, neutral tones are used throughout, enhancing the serene atmosphere.

Condo in Miramar Beach

4.96 out of 5 average rating, 142 reviews

Zen Retreat ON Beach, Golfcart* @ SanDestin Resort

8th fl. stylish open studio w/stunning VIEW, beachfront in Sandestin Resort between Destin & 30A. 🛺 Golf cart with 3+ nts. NEW Pool & Hot Tub. West Elm furniture & King size bed w/ocean view. Sleek Kitchen w/dishwasher & Keurig. WiFi, 55” smart TV. Washer/dryer. Huge balcony to gaze @ the sea. Enjoy the beach, dining, shopping, trails, golf & entertainment all without leaving the resort. Tram pass & Gym. Perfect for honeymoon, baby moon, girls trip, solo travel or lil family vacay *no animals

Top guest favorite

Condo in Inlet Beach

4.99 out of 5 average rating, 166 reviews

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

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

The exterior of Dune Villa is showcased, featuring a covered porch with a railing and seating for relaxation. Surrounding trees provide shade, while a wooden fence borders the space, offering privacy. The structure's simple design reflects a welcoming ambiance.

Guesthouse in Santa Rosa Beach

4.96 out of 5 average rating, 251 reviews

Dune Villa - Santa Rosa Beach /30-A

Dune Villa is located on the west end of 30-A. Our stand alone guest house has a private entrance with guest parking, full kitchen, laundry, queen size bed, bathroom and outdoor shower. Beach chairs/umbrella, beach towels, cooler, and two bicycles are provided. Just around the corner from Stinky’s Fish Camp, Santa Rosa Golf Club, Topsail State Park, Coastal Dune Lakes and Gulf Place Town Center. The perfect vacation rental for quick trips to the beach, business trips, or an extended vacation.

Top guest favorite

An open living space features a large flat-screen television mounted on a white wall. A comfortable sectional sofa is positioned around a coffee table, complemented by decorative elements such as a plant and books. A sleek kitchen bar with stools enhances the layout, creating a welcoming atmosphere.

Townhouse in Fort Walton Beach

4.94 out of 5 average rating, 190 reviews

Beauty & The Beach near Gulf Beaches & Bay

Relax in this calm/stylish getaway within walking distance to the gulf beaches. Our home sits next to the boardwalk only a 5 min walk to the beautiful white sands of the Gulf plus 1 min walk to the bay! Near restaurants/bars and fun family activities You’ll love the location/convenience of Okaloosa Island near beach access #1 Destin- 10 min drive Ft Walton Convention Center-5 min drive Downtown Ft Walton -10 min walk FWB Pier -10 min walk ✈️ Destin / Fort Walton Airport - 20 min drive

The image captures a large outdoor pool area surrounded by palm trees and lounge chairs. Multiple swimming pools are visible, with a circular feature in the center. Guests can be seen enjoying the sun and water, while the tall resort buildings stand prominently in the background.

Condo in Panama City Beach

4.89 out of 5 average rating, 126 reviews

100 ft to beach !810 bowling, arcade, Gym, 5 Pools

Laketown amenities - 5 swimming pools (One is heated )and 2 hot tubs , gym, 3 shops, 5 restaurants , hair salon, and a Vegas-style water and light show every night at 8pm. With a private gated beach access, steps to the beach and Pineapple Willy's restaurant! 810 bowling and billiard, arcade. Pickleball Gym Golf course Waterpark and zoo 5 minutes dr. Walmart across Master Bedroom: King Bed 2nd Bedroom: King Bed 3rd Bedroom: Bunkroom with twin bunks Living Room: Queen Sleeper Sofa Sleeps 8

A cozy living area features a soft green sofa adorned with patterned cushions. A wooden coffee table sits on a geometric rug, while decorative mirrors and wall art enhance the space. Natural light illuminates the room through a nearby window.

Apartment in Santa Rosa Beach

4.91 out of 5 average rating, 137 reviews

On 30A! New 1BR Apt. w/ KING 10min walk to beach!

Welcome to Boho Bleu! Our newly renovated 1BR apartment ON 30A w/ a private entrance just a 10min. walk to the beach. Enjoy the luxurious king bed, fully stocked kitchen, TV w/ Amazon Firestick, washer/dryer access & private patio. Serene Stallworth Beach (AKA Beach Highlands) just .4mi. away. Walk to 30A favorites such as Stinky's Fish Camp and Elmo's Grill. Enjoy the natural beauty and activities at nearby Topsail Hill Preserve State Park. Book “Boho Bleu” now for your perfect getaway!

Guest suite in Santa Rosa Beach

4.95 out of 5 average rating, 324 reviews

SIT ON The BoatDockFishKayakPaddleboardDolphins

Private Waterfront Suite on the Choctawhatchee Bay. 7 miles to Destin Beaches 4 mi. To Baytowne Wharf 5 mi. To the popular 30A Emerald Coast beaches . Nightlife , Restaurants , Shopping and fishing! On site parking and dock space . About a half hr. Ride On your boat to Crab Island. Hop on the Paddle boards or kayaks that are provided to spot dolphins in the Bay! ( Please use at your own risk) Life Jackets provided . Corn hole, croquet and badminton available for extra play options .

A large, mickey-shaped pool is surrounded by lounge chairs and tropical landscaping. In the background, the waterway can be seen, framed by palm trees and extending toward the horizon under a clear blue sky.

Condo in Fort Walton Beach

4.89 out of 5 average rating, 423 reviews

Relaxing Soundside Condo - WataView!

Vacation or work at our comfortable waterfront kitchenette studio in the heart of Fort Walton Beach. The sugar white sand beaches are just a short drive away, and adventure awaits right at your doorstep on Santa Rosa Sound. Includes pool and marina! Boat slip (28 Ft) available! The unit has a queen bed and futon that lays down to a full size bed. It's very comfortable for small groups. We are real owner-hosts and strive to keep our unit spotless and well supplied for our cherished guests.

Treehouse in Santa Rosa Beach

4.9 out of 5 average rating, 114 reviews

Romance On The Bayou

Escape the mundane and take your loved one to an oasis of romantic luxury on the bayou. Admire unparalleled serenity, beauty, and tranquility from every window! Enjoy high-end furniture with plenty of natural light for a private paradise experience. Get away from it all - with numerous outdoor games; Jenga, ring toss and more! Spend the day together in a canoe exploring nature's beauty. Build special memories around a custom fire pit, delightful chairs & tiki torches. #Romance

A modern bedroom features sliding barn doors that create a seamless entrance. A spacious bed with a dark grey blanket is centered in the room, flanked by soft lighting. A textured rug adds warmth, while a ceiling fan enhances airflow in the relaxed atmosphere.

4.94 out of 5 average rating, 437 reviews

The Naughty Scene 233

Brand new 1 bedroom apartment complete set up for coupleONLY or small family of 3.the perfect place for celebration a special moment,relax whit your love one and make memories.right in the center of Destin 1 minute drive to the public beach,2 minute drive to the harbor walk village..flower, cards, wine is available for surprise ,( just ask me) NO SMOKERS OR PARTYING INSIDE MY PLACE.please read other details to note!DU NOT BRING EXTRA FRIEND INSIDE and read OTHER DETAILS TO NOTE

Vacation rentals for every style

Get the amount of space that is right for you

Luxury Stays

Experience one of our premier homes

Cottages

Quaint homes, peaceful surroundings

Cabins

Kick off your hiking boots at these rustic lodgings

Popular amenities for Florida Panhandle lake access rentals

Free parking on premises

Air conditioning

Lake access house rentals

A two-story green beach house is featured in a quiet cul-de-sac, with a golf cart parked in front. The house has a covered porch and multiple windows, surrounded by greenery and palm trees, offering a relaxing coastal vibe.

Home in Santa Rosa Beach

4.86 out of 5 average rating, 113 reviews

South of 30A. Golf Cart. Pool. Gym.

Home in Panama City

4.96 out of 5 average rating, 28 reviews

Organic Design with a Resort Style Heated Pool

Top guest favorite

A calm lake scene is visible, showcasing clear waters with a young person seated on a paddle board. Lush greenery lines the shore, with distant houses peeking through the trees under a bright blue sky.

Home in Santa Rosa Beach

5 out of 5 average rating, 68 reviews

Romantic Seagrove Palmetto Bungalow 30A Lakefront

Two kayaks are seen gliding across calm waters under a clear blue sky. One kayak is blue with people paddling, while a second orange kayak is nearby. Lush greenery and structures are visible along the shoreline.

Home in Pensacola

4.81 out of 5 average rating, 106 reviews

Navypoint Beauty 2/2 Whole House

A covered deck provides a serene space with a dining table and chairs, overlooking Little Lagoon. The area features wooden flooring and railings that frame the scenic view at sunset, with lush greenery and water visible in the background.

Home in Gulf Shores

4.96 out of 5 average rating, 140 reviews

Lagoon & Beach! Private Pool, Sleeps 12, Location

Top guest favorite

Home in Donalsonville

5 out of 5 average rating, 151 reviews

Peaceful & Beautiful Lake Cabin, Boat House/Dock

Top guest favorite

Home in Gulf Shores

4.95 out of 5 average rating, 152 reviews

Heated Pool/Com. Ice Maker 5* reviews 8 yrs

A private dock extends into Mobile Bay, featuring light blue seating options. A boat house with a metal roof is positioned adjacent to the dock. Nearby houses, raised on stilts, are visible along the shoreline, surrounded by natural vegetation.

Home in Fairhope

4.91 out of 5 average rating, 166 reviews

Kayak the Bay

Lake access apartment rentals

A vibrant green chair is positioned near expansive glass doors, offering a view of the ocean beyond. Light-colored curtains frame the doorway, and a tropical-themed painting is mounted on the wall. A wooden cabinet with various amenities is visible to the right.

Apartment in Destin

4.71 out of 5 average rating, 264 reviews

Beachfront Condo, Ocean View 2BR/2BA, Majestic Sun

Top guest favorite

A balcony view is captured, featuring two patterned chairs and a small table. The ocean stretches in the background, showcasing varying shades of blue, while a coastal landscape is visible below, emphasizing the serene environment.

Apartment in Panama City Beach

4.88 out of 5 average rating, 121 reviews

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

Top guest favorite

An aerial view of the property showcases a spacious dock extending into Poquito Bayou. A boat is moored at the end of the dock, with a sandy area surrounded by greenery visible along the water's edge.

Apartment in Shalimar

4.99 out of 5 average rating, 159 reviews

Sylvia's Suite Dreams-kayak & paddleboard free

Top guest favorite

Gentle waves lap against a pristine sandy shore, with clear turquoise water stretching to the horizon. The beach features soft, white sand with faint footprints leading into the shallows, creating a serene coastal scene under a bright blue sky.

Apartment in Santa Rosa Beach

5 out of 5 average rating, 35 reviews

Newly renovated modern studio steps from the beach

Top guest favorite

A bright and welcoming primary suite features a spacious bed adorned with tropical bedding. A decorative ceiling fan adds a touch of elegance, while a large mirror reflects the light. The room leads to a hallway, providing glimpses of the nearby bathroom and exterior views.

Apartment in Panama City Beach

4.95 out of 5 average rating, 44 reviews

The Palms I Gorgeous Condo with Gulf View

A modern living area features a leather sectional sofa paired with decorative pillows. A sleek, glass coffee table sits atop a patterned rug. The kitchen island, equipped with barstools, offers a view through large windows that provide natural light and overlook the landscape.

Apartment in Destin

4.92 out of 5 average rating, 174 reviews

Luxview

A light-filled open-concept living area features a green sectional sofa complemented by a white coffee table. Bar-style seating is arranged at the kitchen counter, with modern appliances visible in the background. Expansive windows are framed by beige curtains, enhancing the inviting atmosphere.

Apartment in Destin

4.87 out of 5 average rating, 111 reviews

The majestic Jewel

A spacious studio unit features a king-sized bed covered with soft linens and a cozy throw. A view revealing the ocean and coastal landscape is visible through large windows, while a sofa provides additional seating. Neutral tones enhance the contemporary design.

Apartment in Miramar Beach

4.83 out of 5 average rating, 184 reviews

OCEAN VIEW w/ Elevated Design - Luau Sandestin 1BR

Lake access cottage rentals

Top guest favorite

An outdoor space is highlighted with paver stones, featuring a covered car parking area and a seating arrangement comprised of several outdoor chairs. Lush greenery and palm trees provide a backdrop, enhancing the open and expansive environment under a clear blue sky.

Cottage in Panama City Beach

5 out of 5 average rating, 10 reviews

Hideaway Cottage | Dog Friendly | Steps to Beach

A bright and airy living area features a light-colored sofa and a round coffee table. Two unique chairs made of wood are positioned nearby. An entertainment unit displays a colorful TV screen, while a dining area with high chairs is visible in the background.

Cottage in Santa Rosa Beach

4.96 out of 5 average rating, 103 reviews

Seagrove Escape | Renovated & Snowbird-Friendly!

A welcoming entryway is displayed, featuring a dark front door framed by a decorative light fixture above. A decorative bench is positioned against the wall, while art adorns the walls, adding charm to the space. Soft natural light filters through the door.

Cottage in Seagrove Beach

4.92 out of 5 average rating, 201 reviews

Seaside 30A "Hemingway Cottage" Close to Beach

Two kayaks are stored under a wooden structure, showcasing a bright orange kayak on the bottom and a lighter colored kayak above. The grassy area and nearby water are visible, indicating outdoor access for water activities.

Cottage in Fairhope

4.84 out of 5 average rating, 108 reviews

Waterfront Paradise - Bay Sunsets - Rejuvenate

Two green kayaks rest on a grassy area near a wooden dock extending into Deer Point Lake. The calm water reflects trees and vegetation, creating a serene lakeside setting. The dock features a small platform for easy access to the water.

Cottage in Southport

4.94 out of 5 average rating, 31 reviews

4 Person Lake Front Cottage with Kayaks

Top guest favorite

A wooden dock extends over the calm waters of Lake Seminole, featuring a covered seating area. Utility poles with lights are positioned along the dock, and vibrant green lily pads float on the water's surface under a bright blue sky dotted with scattered clouds.

Cottage in Bainbridge

4.95 out of 5 average rating, 60 reviews

Seminole Hideaway Cottage

Cottage in Gulf Shores

4.86 out of 5 average rating, 197 reviews

YOUR OWN HOME Water Views/Private Beach /Dock/Pool

Top guest favorite

A wooden dock extends over the calm waters, featuring beams and a rustic shelter. Reflections of the structure and nearby lily pads can be seen on the water's surface, creating a serene atmosphere. The backdrop showcases lush greenery along the shoreline.

Cottage in Donalsonville

4.98 out of 5 average rating, 112 reviews

The Cottage! 5 star! Hottub•fishing•dock/lift

Destinations to explore