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Vacation rentals with lake access in Panama City Beach

Find and book unique lake access rentals on Airbnb

Top-rated lake access rentals in Panama City Beach

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

4.68 out of 5 average rating, 279 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.

A pool area features a large, inviting swimming pool adorned with lounge chairs under a bright blue sky. Nearby, beach loungers with an umbrella are visible on a sandy beach, providing a relaxing spot for sunbathing.

Condo in Sunnyside

4.89 out of 5 average rating, 138 reviews

Fins Up Carillon/30A 1st flr/Pets ok/FULL kitchen

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

A series of charming, two-story buildings are seen alongside a serene lake. Lush greenery and lily pads cover the water's surface, while palm trees add a coastal feel. The backdrop includes tall buildings under a clear blue sky, highlighting a blend of nature and urban living.

Condo in El Centro Beach

4.86 out of 5 average rating, 122 reviews

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

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

A cozy balcony features bright blue adirondack chairs and a small table set with two decorative bowls. Lush greenery and trees frame the view of Lake Powell in the background, creating a serene outdoor space. Natural light brightens the area, enhancing the inviting atmosphere.

Condo in Sunnyside

4.88 out of 5 average rating, 165 reviews

"Islandia 317" waterfront one bedroom with a pool

One spectacular suite by the water’s edge, specially designed to bring the natural beauty of one of our largest coastal dune lakes into a room full of comfort and leisure featuring coastal-designed furnishings, indulgent fabrics, and timeless colors. This third-floor suite has a relaxing living room, kitchen with dining area, and modernized bathroom with shower. An intimate veranda offers astounding panoramic views of Lake Powell. Multiple rental units are available - please visit my profile.

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, 125 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 charming two-story house is surrounded by well-maintained landscaping, featuring palm trees and a stone pathway. The home is set back from the road and offers a covered area for parking, with a spacious front porch inviting relaxation.

Home in Sunnyside

4.9 out of 5 average rating, 211 reviews

Free Golf Cart, 5 min to Beach, Community Pool

Welcome to The Dancing Pelican Beach House! This gorgeous home is in a quiet, safe, family-friendly community in Inlet Beach. You will love taking the free golf cart to our free public beach (5 minutes away). Drive 5 minutes to scenic 30A and enjoy Rosemary Beach, Alys, Seacrest & more. Walk to the community pool, Lake Powell and Camp Helen State Park. Includes beach gear, fully equipped kitchen, outdoor grill, coffee maker, washer/dryer, WiFi, 3 Smart TVs, linens, towels and much more!

Top guest favorite

A balcony is seen with two blue chairs and a small table, overlooking the Gulf of Mexico. The vibrant blue of the water contrasts with the white sandy beach below, offering expansive views of the shoreline and horizon.

Condo in Sunnyside

4.95 out of 5 average rating, 172 reviews

Pelican Perch, Breathtaking Views, Couples Retreat

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

Top guest favorite

The exterior of the cottage is framed by lush greenery, with a wooden fence leading to the entrance. A spacious deck is visible, featuring outdoor seating and a barbecue grill. The colorful siding of the house complements the surrounding landscape.

Cottage in Laguna Beach on the Gulf of Mexico

4.99 out of 5 average rating, 296 reviews

Hidden Treasure - Perfect blend of Quaint & Quiet!

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

The living area features a cozy sectional sofa paired with a round coffee table, all against a vibrant beach-themed accent wall. Large floor-to-ceiling windows open to a balcony, showcasing stunning views of the ocean. Light wood flooring complements the coastal decor.

Condo in Panama City Beach

4.96 out of 5 average rating, 128 reviews

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

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

Top guest favorite

A serene sleeping area features a spacious bed adorned with crisp white linens and decorative pillows. A light blue throw blanket is casually draped across the bed. Natural light flows in from a nearby sliding door, illuminating the white walls and contemporary furnishings.

Condo in Inlet Beach

5 out of 5 average rating, 176 reviews

FlipFlopsOn I • 80 Steps to the Beach • FL 30A

FlipFlopsOn I is 80 steps to one of Florida’s most beautiful beaches, Inlet Beach on FL’s Gulf Coast (🥇top 5% of Airbnb’s). This sunny full studio sleeps 4 (four beds), & is beachside of the 30A National Scenic Coastal Byway; steps to upscale dining & shops in Inlet, Alys, & Rosemary Beach! Featuring a POOL, GRILL, beach gear, 65” smart TV, ultra-equipped kitchen, laundry, & sunsets from your private outdoor living area. Park your car, walk everywhere!

The waterfront view captures the Laketown Wharf Condominium building set against a clear blue sky. A boardwalk extends over the water, leading to a gazebo, while a fountain adds a serene element to the scene. The reflection of the buildings can be seen in the calm water.

Condo in Panama City Beach

4.91 out of 5 average rating, 113 reviews

Enjoy the Beach and Put you Heels In The Sand!!!

Looking for an escape? Beautiful gulf view 1 bedroom, 2 bathroom , plus bunk room unit. Located at famous Laketown Wharf Condominium. Just Steps away from the Worlds Most Beautiful Beaches. Sitting in the heart of all the Fun and Excitement of Shopping, Dining & Entertainment. Private beach access, 5 unique swimming pools, hot tabs Gym, and a putting green . Walking distance to Walmart, Believed or Not museum, Upside Down House, and more.....

Condo in Panama City

4.9 out of 5 average rating, 194 reviews

Sugar Beach condo steps away from the ocean

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

Vacation rentals for every style

Get the amount of space that is right for you

Cottages

Quaint homes, peaceful surroundings

Villas

Luxurious estates for the ultimate escape

Apartments

Convenient locations with everyday essentials

Popular amenities for Panama City Beach lake access rentals

Free parking on premises

Air conditioning

Lake access house rentals

Top guest favorite

The open living area features a light-colored sectional sofa and accent chair, arranged around a glass coffee table. Large windows provide views of the lagoon, and a flat-screen TV is mounted on the wall. The dining area includes a spacious table and modern light fixtures enhance the atmosphere.

Home in Panama City

4.93 out of 5 average rating, 15 reviews

Dolphin Days Lagoon Escape

A well-maintained pathway leads to a private pool, surrounded by lush landscaping. Vibrant plants line the walkway, enhancing the serene atmosphere. A gazebo can be seen in the distance, providing sheltered outdoor seating. The bright sky adds a tranquil backdrop to the setting.

Home in Panama City

4.81 out of 5 average rating, 16 reviews

Amazing BayBungalow Private Pool

Top guest favorite

An open-concept kitchen features a glossy black countertop complemented by clear bar stools. A vibrant mural of tropical leaves in bright colors adorns one wall, adding a lively touch to the space. Pendant lights hang above, illuminating the inviting kitchen area.

Home in Sunnyside

4.98 out of 5 average rating, 136 reviews

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

A warm and inviting living area features a sleek brown leather sofa with circular armrests, positioned on a textured black-and-white patterned rug. Two round, light-colored side tables sit in front of the sofa, and a leafy indoor plant is placed nearby, along with decorative wall art.

Home in Sunnyside

4.96 out of 5 average rating, 25 reviews

Boho 2BR Bungalow· Near 30A & Rosemary!

Top guest favorite

A light blue three-story home is framed by lush palm trees, with large windows reflecting the evening sky. The entrance features a garage and paved pathway, welcoming guests. Architectural details include a metal roof and wooden accents, creating a harmonious blend with the natural surroundings.

Home in Inlet Beach

4.98 out of 5 average rating, 40 reviews

Destination Relaxation is the perfect family getaway.

A red golf cart with brown seating is positioned outdoors, surrounded by greenery. The cart offers a shaded top and features a simple design suitable for easy transport. Parking spaces and tree foliage can be seen in the background.

Home in Santa Rosa Beach

4.83 out of 5 average rating, 30 reviews

Sand Dollar Dunes 30A 2 bedroom with LSV cart

The backyard features a private heated pool with a surrounding patio. The two-story contemporary home is visible, showcasing a covered balcony on the second floor. Lounge chairs are positioned near the pool, and a fenced area offers privacy.

Home in Kiska Beach

5 out of 5 average rating, 11 reviews

Wanderlust by AvantStay | Walk to Beach + Pool

A large rooftop deck is shown, featuring a covered seating area with a sectional sofa and chairs. Surrounding trees provide a natural backdrop, while the expansive blue sky above enhances the serene outdoor space, perfect for relaxation or gatherings.

Home in Inlet City Beach

5 out of 5 average rating, 8 reviews

Ocean Rooftop Views~ Golf Cart, Bikes, 5 En Suites

Lake access apartment rentals

A sandy path through grassy dunes leads to the tranquil beach. Lush greenery and beach grasses frame the scene, while the blue ocean is visible in the distance under a bright sky with scattered clouds.

Apartment in Sunnyside

4.96 out of 5 average rating, 48 reviews

Barefoot Bungalow Beachfront

A bright dining area features a small table with two white chairs positioned by a large window. A potted plant sits at the center of the table, while the stunning view of the ocean stretches out beyond the window, showcasing vibrant blue and green hues.

Apartment in Sunnyside

4.79 out of 5 average rating, 29 reviews

Stunning fun-filled beachfront condo

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, 119 reviews

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

A spacious bedroom features a large bed with a white quilt and decorative pillows, complemented by bedside lamps. Floor-to-ceiling windows offer views of the ocean and access to a private balcony, while light curtains frame the windows, allowing natural light to brighten the room.

Apartment in Sunnyside

4.95 out of 5 average rating, 39 reviews

Emerald Coast Sea-renity.

The living area features two medium-sized sofas and a love seat, arranged around a central coffee table. A large flat-screen TV is positioned against the wall, while expansive glass doors lead to a balcony with views. Light-colored curtains complement the room's coastal theme.

Apartment in Panama City Beach

4.75 out of 5 average rating, 12 reviews

Cozy and Luxury Condo With View

The living area features a spacious gray sectional sofa, accent chairs, and a coffee table. Floor-to-ceiling windows offer stunning views of the Gulf of Mexico and provide access to a private balcony. A dining table is set for four, with modern lighting enhancing the space.

Apartment in Panama City

5 out of 5 average rating, 4 reviews

Luxe Ocean Front |Free Beach Chairs + Balcony View

Top guest favorite

The studio features a cozy seating area, consisting of a plush sofa and an ottoman, positioned near a spacious queen-size bed. Light-colored curtains frame the windows, and a colorful wall art piece adds visual interest, creating a comfortable and inviting space.

Apartment in Sunnyside

4.97 out of 5 average rating, 59 reviews

Paradise in Pirates Cove

Top guest favorite

A serene waterfront view captures vibrant hues of orange and pink reflected in the calm water at sunset. A solitary heron stands gracefully in the foreground, while lush greenery frames the scene, enhancing the tranquil atmosphere.

Apartment in Panama City

4.96 out of 5 average rating, 51 reviews

Oasis by the Bay. 10 miles from Panama City Beach

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 Bid-a-wee 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 Stay! Pool Access + 4 Bikes Included

A round table is set with a brightly colored floral tablecloth and surrounded by four black chairs on a wooden porch. A small vase with a plant and a decorative item are placed on the table, with a door and a light blue wall visible in the background.

Cottage in Santa Rosa Beach

4.79 out of 5 average rating, 33 reviews

Beachy Bungalow, Santa Rosa Beach, FL near Gulf

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

A welcoming porch features two comfortable chairs and a side table set on a striped rug. The walls are painted in a soft turquoise, with light streaming through the open door, revealing a glimpse of a bright kitchen area beyond.

Cottage in Laguna Beach on the Gulf of Mexico

4.9 out of 5 average rating, 41 reviews

Aquaman's Cottage: Dog-Friendly, Fenced &Turfed

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

4.93 out of 5 average rating, 29 reviews

4 Person Lake Front Cottage with Kayaks

A wooden fence features a white house number sign, with purple flowers enhancing the outdoor space below. A wooden structure, possibly an outdoor shower or storage, is positioned above a small patio area. The house's exterior is light green, surrounded by natural landscaping and palm trees.

Cottage in Laguna Beach on the Gulf of Mexico

4.91 out of 5 average rating, 44 reviews

The Cottage on Alta Vista-so charming!

An aerial view features vibrant beach cottages in various colors, set against the turquoise waters of the Gulf. In the distance, a long pier extends into the sea. Palm trees are visible, with the nearby sandy beach indicated by the arrow pointing at the orange cottage.

Cottage in Lullwater Beach

5 out of 5 average rating, 10 reviews

The Orange Oasis Summertowne Cottage #12

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

Total rentals
310 properties
Nightly prices starting at
R178 ZAR before taxes and fees
Total number of reviews
13K reviews
Family-friendly rentals
230 properties are a good fit for families
Pet-friendly rentals
40 properties allow pets
Rentals with a pool
280 properties have a pool

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