Cottage vacation rentals in Bay County

Cottage in Panama City Beach

A wooden boardwalk leads to a scenic beach view. Gentle waves meet a soft white sand shore, with patrons enjoying the beach under a clear blue sky. Vibrant umbrellas dot the shoreline, and native grass is visible in the foreground.

4.97 out of 5 average rating, 158 reviews

Private home 1 blk beach screen porch close to 30a

Uncrowded White Sand Beach Adorable Beach Cottage along the World Famous Sugar Sand Beaches of North Florida 1 block to beach access Screened in Front Porch for Breezes and the sound of Waves Quiet West End 3 mi to Rosemary Beach 2 blocks to Sunnyside Grill 1 mile to Publix, Aldi and Bayou Bills 5 miles to Pier Park Beach Chairs, towels, toys available as well as a rolling cooler Outside private hot and cold shower to rinse off after the Beach Upscale quality linens Roku TVs Full Bath w/ tub

4.95 out of 5 average rating, 55 reviews

Cottage in Chipley

Lakefront Home+Private Beach+Firepit+Kayaks+Floats

Escape to this serene lakefront house, with your own private white sandy beach, Kayaks, and a firepit with firewood. It's perfect for families, groups of friends, or couples looking to unwind and enjoy nature. Just 30 minutes from gulf beaches & the international airport, and close to spring-fed creeks, recreation areas, horseback riding, fishing, and caves, this property offers a variety of outdoor activities for everyone. We hope you write your own amazing stories in our slice of heaven.

Two blue Adirondack chairs are positioned on a wooden deck overlooking the water. A small table with a potted plant sits between the chairs, providing a comfortable place to relax. The calm bay and dock area can be seen in the background.

4.94 out of 5 average rating, 161 reviews

Water front bay beach and boat dock stunning views

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

Cottage in Panama City Beach

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.

4.99 out of 5 average rating, 306 reviews

Hidden Treasure - Perfect blend of Quaint & Quiet!

Hidden Treasure is just steps to PCB's beautiful beach! Pet friendly - $100 non-refundable per pet fee (pet fee payment request sent after booking). 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 and 2.5 miles from Pier Park.

The cottage features a large wrap-around porch supported by light blue columns. Rocking chairs and a swing are positioned for seating. Lush greenery surrounds the home, and multiple windows provide natural light, contributing to a spacious and inviting exterior.

4.93 out of 5 average rating, 43 reviews

Cozy 2 bdrm cottage with sunny wrap around porch

This is a sweet property with a huge wrap-around porch with a swing and 2 rockers for relaxing. New in 2026 is a covered dining pavillion with cafe lights, a gas grill and seating for 6. The house is only one block from the bay, in the heart of St Andrews, which is one of the most desirable neighborhoods in Panama City. Within a short walk or bike ride you will find locally owned waterfront restaurants featuring fresh seafood, coffee shops, a bakery, ice creamery, and local boutiques.

Cottage in Panama City Beach

A modern living area features a green sofa with decorative pillows, arranged around a round wooden coffee table. A ceiling fan and natural wood beams add character to the space, with the adjoining kitchen and dining area visible in the background.

4.97 out of 5 average rating, 200 reviews

NEW cozy beach cottage 3 blocks from beach!

Welcome to your home away from home! Our fully renovated & modern beach cottage is the perfect place to relax & reset, whether that's lounging in our bright, cozy living room, spending the day at the beach (a quick 3 block walk) or sipping on your drink of choice by the fire pit in the backyard. We are centrally located between 30a & Pier Park with plenty of amazing restaurants, shops & nightlife to experience. Come stay with us, we're always open! Follow us on IG @its.alwaysopen

An aerial view of Turtle Cove Water-Front Cottage is presented, highlighting its proximity to the waterfront canal. Lush green landscapes and trees surround the property, with the cottage positioned near the yard. The serene canal leads to the bay, showcasing a peaceful natural environment.

4.89 out of 5 average rating, 121 reviews

Private Water Front Cottage - Panama City, FL

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

Superhost

A charming cottage exterior is showcased, featuring a bright orange door and welcoming Adirondack chairs. Light blue walls contrast with the greenery, and decorative elements are seen beside the window. A stone pathway leads to the entrance, surrounded by a manicured lawn.

4.82 out of 5 average rating, 216 reviews

The Hidden Cottage

This Hidden Cottage is located within the heart of St. Andrews and is only a 5 minute drive to Panama City Beach. The Hidden Cottage is a lovely home, great for a couples getaway. We provide Superior location with easy access to Downtown St. Andrews, Downtown Panama City, and a short drive to the Gulf of Mexico. This home will not only satisfy you with it's convenient location, but will also make you feel like you are in your home away from home. Your new vacation home awaits!

4.9 out of 5 average rating, 170 reviews

An aerial view captures a coastal neighborhood with homes and sandy beaches. The cottage is highlighted in red, positioned near the shoreline where the surf can be heard. The clear turquoise waters and sandy beach stretch into the distance, inviting relaxation.

Cottage in Port St. Joe

🦀 The Nauti Crab 🦀

***ASK ABOUT SNOWBIRD PRICING*** This little cottage is so close to the water that the surf is audible from the porch. This place is the definition of simple living and is perfect for small groups and families. Fishing is extremely popular here as well. Also, take advantage of building fires on the beach, watching beautiful sunsets, and star gazing. The cottage is walking distance from the Tradin' Post, Peachy's, Weber's Donuts, Cape Coffee and IceCream, and St. Joe Shrimp Co.

4.98 out of 5 average rating, 125 reviews

Walk to Beach! Cottage w/ Golf Cart & Amenities

Searching for the perfect place for your next seaside escape? Our charming beach cottage awaits! Enjoy a fully stocked kitchen, an outdoor shower, free use of a golf cart, and access to incredible resort amenities at Venture Out. Help yourself to the beach gear and take a short walk to the beautiful white sand and emerald waters! STR Bay County Permit 15039. We require a 7 night minimum stay for June and July! Book For Lasting Memories In Panama City—See Details Below!

4.97 out of 5 average rating, 239 reviews

The interior space features a cozy seating area with a green couch and a small coffee table. A well-equipped kitchen is visible, showcasing a sleek countertop and modern appliances. Large windows allow natural light to fill the room, complemented by white shiplap walls and warm wood accents.

Cottage in Lynn Haven

Pace e Amore - Adorable 1 Bedroom Cottage

You will love this super cute and cozy cottage. All the amenities you will need to fully enjoy your stay. outdoor gazebo with fireplace, and more. Centrally located just minutes from the bay with boat launch, mini beach and picnic area. Plenty of restaurants and shopping nearby as well. Beautiful Panama City Beach is a mere 20 minutes away . Come and enjoy a fun and relaxing time as our guests at "Pace e Amore.

A cozy bedroom featuring a spacious bed adorned with a colorful flamingo-patterned quilt. A subtle arrangement of bright pink pillows adds a playful touch. The bathroom is accessible through a door, and natural light enters from a nearby window, enhancing the inviting atmosphere.