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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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An outdoor balcony features comfortable wicker seating, including two chairs and a matching coffee table, overlooking the beach. The expansive view showcases the ocean and coastline, with gentle waves lapping at the shore under a clear blue sky.

Condo in Panama City Beach

4.81 out of 5 average rating, 114 reviews

"Beach Getaway " gulfview 1 br 2 ba bunk sleep 4-6

Beautiful 1 bedroom plus additional bunk bed area ,2 bath condo at 16 th floor Gulfview located at most famous and very attractive Laketown Wharf condo . At the night music-colour fountains show at the lake. Centrally located with walking distance to the beach( 5 minutes), shops, restaurants and more. Condo complex offer parking garage, 4 pools, hot tubs, pickle ball, eatery and much more.Very spaciuos rooms with big balcony. WiFi,Cable, unit is fully stocked. Resort fee $82 once when arrive.

A spacious studio features a comfortable sofa and a large bed. Natural light enters through sliding glass doors, revealing a serene view of the lake. Decorative elements, including framed artwork and a cozy area rug, enhance the inviting ambiance.

Condo in El Centro Beach

4.86 out of 5 average rating, 119 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 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

4.95 out of 5 average rating, 44 reviews

Oasis by the Bay. 10 miles from Panama City Beach

Take a break and unwind at this peaceful oasis. Enjoy your private apartment in our North Bay home. Juliet balconies grace both the sitting room and the bedroom. The sitting room boasts two recliner chairs and a tv. Hidden in an armoire, kitchen amenities provide convenience. The sitting room balcony is the perfect place to enjoy your coffee. 17 stairs must be climbed to access the listing. The apartment is on the street side of our home and I will probably be in residence during your stay.

Top guest favorite

The sleeping area features a spacious bed adorned with crisp white linens and decorative throw blankets. Natural light fills the room through large windows draped with sheer curtains, while a cozy dining set is positioned nearby, integrating a relaxed coastal aesthetic.

Condo in Inlet Beach

4.99 out of 5 average rating, 162 reviews

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

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

Top guest 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 Panama City Beach

4.98 out of 5 average rating, 52 reviews

Paradise in Pirates Cove

Fully Renovated & Updated 2nd Floor Studio Condo located on the west end of Panama City Beach. Complex includes 2 pools and boat ramp access to beautiful Lake Powell. Centrally located between Santa Rosa Beach/30a and Panama City Beach. Public accesses to the white sandy beaches of the emerald coast are just a short drive from the condo. We look forward to hosting you during your visit to the emerald coast. Feel free to message us with any and all questions you may have about your stay.

An open-concept living space is presented with modern furnishings and a cozy atmosphere. A comfortable sofa faces a flat-screen television, while a kitchen island provides ample counter space. Large windows offer views of the lake, allowing natural light to fill the room.

Apartment in Panama City Beach

4.85 out of 5 average rating, 168 reviews

"Islandia 316" 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 available - please visit my profile.

Top guest favorite

The cozy living area features a white sectional sofa and an accent chair, positioned around a light-colored coffee table. Soft natural light filters through multiple windows, creating an inviting space highlighted by a patterned rug and a modern ceiling fan.

Guesthouse in Santa Rosa Beach

5 out of 5 average rating, 194 reviews

"Watercolor-Getaway Bungalow” Beach/6 Pools/Camp

The "Getaway Bungalow" is a carriage house located in Watercolor FL across from Seaside. This ideal vacation rental is separate from the private home in a spacious studio-like room. The cozy carriage house is located on a quiet cul-de-sac overlooking a beautiful pond steps away from the beach, Camp Watercolor, and Seaside, FL. Amenities •Elevator (Lift) •Smart TV/Internet •2 Bikes/Beach Chairs/Umbrella •Parking at Carriage House Kitchen •Refrigerator •Microwave •Coffee Maker •Dishwasher

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 Panama City Beach

4.95 out of 5 average rating, 168 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, 293 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 exterior of the home is showcased against a vibrant sunset sky. The structure features multiple levels with large windows, surrounded by lush greenery and palm trees. A wooden deck leads to the entrance, complementing the relaxing atmosphere.

Home in Panama City

4.96 out of 5 average rating, 25 reviews

Organic Design with a Resort Style Heated Pool

Step into a realm of unparalleled luxury with this stunning single-family private oasis. Nestled away in a prime location, our organically designed retreat provides an ideal home base to explore the surrounding beaches and attractions. Featuring a resort style heated pool, a private dock, 2 kayaks, outdoor grill and dining area, fire pit, and so much more! Discover the blend of modern design and homely comfort that makes this rental a unique choice for your next adventure.

A balcony overlooking the Gulf displays a small round table with two chairs. The serene view includes the ocean and nearby establishments, providing a sense of tranquility. The spacious area is bathed in natural light, enhancing the inviting atmosphere.

Condo in Panama City Beach

4.87 out of 5 average rating, 109 reviews

Catch My Drift Gulf Views -Breath of Sea Air!

"CATCH MY DRIFT" SUPER HOSTED! Gulf views 12th floor-KING (memory foam mattress) in Main suite w/attached full bath, custom private bunk room w/ TVs at the end of each bunk and attached private full bath. ALL newer furnishings, carpet, paint, appliances, HUGE TVs, FRESH Linens, cookware, beautiful outdoor furniture overlooking the GULF! RESORT-5 Pools (1 heated),2 hot tubs, fitness room, RESTAURANTS, Live entertainment, Private Lake w/water shows! BOOK NOW!

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, 124 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***

Vacation rentals for every style

Get the amount of space that is right for you

Cottages

Quaint homes, peaceful surroundings

Apartments

Convenient locations with everyday essentials

Villas

Luxurious estates for the ultimate escape

Popular amenities for Panama City Beach lake access rentals

Free parking on premises

Air conditioning

Lake access house rentals

Top guest favorite

A modern kitchen features a spacious island with a sleek white countertop, complemented by stainless steel appliances and a stylish chandelier above. The cabinet space is ample, and natural light illuminates the area from nearby windows, creating an inviting and functional cooking space.

Home in Walton County

5 out of 5 average rating, 8 reviews

Lux Beach Glam Home! Walk/Golf Cart 2 Beach & Pool

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 Inlet Beach

4.9 out of 5 average rating, 208 reviews

Free Golf Cart, 5 min to Beach, Community Pool

The ceiling features an oceanic mural in various shades of blue, creating an underwater ambiance. Two playful shark decorations suspend above a glass walkway, which offers a view toward the adjacent rooms. Bright light fixtures enhance the airy atmosphere throughout the space.

Home in Panama City Beach

4.85 out of 5 average rating, 144 reviews

Aqua: Live under the sea! Direct beach access!

A blue six-seater golf cart is parked in front of a garage with an open door. Inside the garage, a spacious game area is visible, featuring a large work table and a television mounted on the wall.

Home in Panama City Beach

4.98 out of 5 average rating, 51 reviews

Golf Cart | Games | King | 5GB Wifi | EV charger

Top guest favorite

A vibrant outdoor space features a large fenced yard with colorful striped bean bag chairs and a mural reading 'Panama City Beachin' 1' on the fence. Lush greenery surrounds the area, complementing the lively atmosphere.

Home in Panama City Beach

4.98 out of 5 average rating, 130 reviews

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

A charming two-story house with light-colored siding features a welcoming front porch supported by white columns. Blue shutters adorn the windows, and two dark chairs sit on the porch, creating an inviting exterior. A well-maintained pathway leads up to the entrance.

Home in Panama City Beach

4.79 out of 5 average rating, 131 reviews

Inlet Beach/Lake House. Walk to Rosemary.

A spacious deck overlooks the calm waters, featuring a comfortable seating area with a fire pit and outdoor dining space shaded by an umbrella. Palm trees frame the setting, adding a tropical touch, while string lights provide subtle illumination.

Home in Laguna Beach on the Gulf of Mexico

4.92 out of 5 average rating, 13 reviews

6bd 4ba lake home w gameroom close to the beach!

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 Panama City Beach

5 out of 5 average rating, 9 reviews

Wanderlust by AvantStay | Walk to Beach + Pool

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 Panama City Beach

4.95 out of 5 average rating, 43 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 Panama City Beach

4.83 out of 5 average rating, 24 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, 115 reviews

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

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, 27 reviews

Newly renovated modern studio steps from the beach

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 Panama City

4.95 out of 5 average rating, 37 reviews

Emerald Coast Sea-renity.

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, 40 reviews

The Palms I Gorgeous Condo with Gulf View

An aerial view of the Bay Point Community reveals a serene landscape featuring a calm pond, manicured lawns, and well-maintained pathways. Scenic views of the marina are visible in the distance, alongside lush greenery and neatly arranged villa structures.

Apartment in Panama City Beach

4.85 out of 5 average rating, 27 reviews

Waterview condo on Panama City Beach Golf Course!

Top guest favorite

A cozy bedroom features a spacious bed with crisp white linens, complemented by a soft throw blanket. Natural light enters through glass doors that lead to a private balcony, with a blue accent chair positioned nearby. The room is decorated with light blue walls and tasteful artwork.

Apartment in Panama City Beach

4.91 out of 5 average rating, 11 reviews

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

Lake access cottage rentals

Top guest favorite

An aerial view captures the charming neighborhood surrounding Hideaway Cottage, showcasing well-maintained homes and the expansive coastline of Panama City Beach. The vibrant blue ocean stretches out towards the horizon, with soft sandy beaches visible just a short distance away.

Cottage in Bid-a-wee Beach

5 out of 5 average rating, 9 reviews

Hideaway Cottage | Dog Friendly | Steps to Beach

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

4.77 out of 5 average rating, 31 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, 200 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, 40 reviews

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

A quaint outdoor space features a picnic table surrounded by gravel, ideal for gatherings. In the background, the serene lake reflects the soft hues of twilight, framed by trees and kayaks at the water's edge.

Cottage in Southport

4.93 out of 5 average rating, 27 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, 43 reviews

The Cottage on Alta Vista-so charming!

A two-story cottage with gray siding and a light-colored roof features well-maintained landscaping. The home is set back from the street, surrounded by greenery and colorful blooming plants. A paved driveway leads to a garage door, enhancing the welcoming exterior.

Cottage in Rosemary Beach

4.67 out of 5 average rating, 12 reviews

30A Beach Access, Sea La Vie

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 Panama City 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
G$2,091 GYD 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

Destinations to explore