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Vacation rentals with lake access in Bay County

Find and book unique lake access rentals on Airbnb

Top-rated lake access rentals in Bay County

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, 113 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.

The exterior of a single-story remodeled home is shown, with a light-colored facade and dark shutters. A welcoming front porch is visible, framed by a spacious lawn surrounded by trees, offering a peaceful rural setting.

4.91 out of 5 average rating, 158 reviews

Entire home with lakefront access

Looking for a tranquil getaway? Come relax in this beautifully remodeled lakeside home, set amidst the peaceful rural surroundings. Whether you enjoy canoeing, kayaking or fishing, the beautiful Hicks Lake awaits you. And if you're craving a day at the beach, Panama City Beach is just a short 45-minute drive away! But that's not all - you're also just minutes away from several breathtaking natural springs, including Cypress Springs, Vortex Springs, Wiliford Springs, and spring-fed Ecofina Creek

Top guest favorite

The Big Bee, a 1946 tugboat, is docked at a wooden pier, showcasing its black hull and distinctive green cabin. Its stern features a railing and a small step leading to the dock. The calm waters of St. Andrews Bay reflect the sky, creating a serene setting.

Houseboat in Panama City

5 out of 5 average rating, 32 reviews

Historic Tugboat on St.Andrews Bay - Secluded Dock

Enjoy nature aboard this 1946 tugboat on a 400 ft. private dock in St. Andrews Bay. Watch as the sun sets over the bay, enjoying a glass of wine on the padded teak lounge chairs at the stern of the boat. You might see dolphins feet away from the dock, herons, ospreys, seagulls and pelicans diving for a meal. You might even spot one of our resident bald eagles or the occasional manatee. Walk, bike or drive to the heart of vibrant St. Andrews and its renowned restaurants, many with live music.

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, 42 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!

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, 205 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!

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

4.84 out of 5 average rating, 166 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.

The living area features a large, comfortable sectional sofa and a decorative coffee table, situated on a patterned rug. A flat-screen television is mounted on the wall, while natural light filters through the sheer curtains of the window.

Guesthouse in Panama City

4.88 out of 5 average rating, 68 reviews

Deer Point Lake - 750 sqft 1/1 & 2 minutes to lake

Forget your worries in this spacious and serene space just 2 minutes from Deer Point Lake boat ramp and cute little playground. Enjoy the quiet neighborhood in your own private 2 story 800 sqft guest house with its own private yard, shaded deck area and charcoal grill. Fast, free wifi and Comcast Cable with movie channels included. Tons of parking space to bring your boat, jetski or kayaks and enjoy our beautiful lake. Dogs under 25 lbs upon approval with an additional $300 pet fee.

A private swimming pool is surrounded by patio stones and features red umbrellas and lounge chairs for relaxation. The backyard is landscaped with green grass and small plants, while the house is seen in the background with a welcoming porch area.

Home in Panama City

4.96 out of 5 average rating, 23 reviews

Coastal escape: slps 13/Pool/GameRm/8 min to Beach

Prime location: Our home offers a perfect blend of convenience and comfort, with 3 bedrooms/2 bathrooms to accommodate your family. The open floor concept creates a spacious feel, while the large game room and private swimming pool in the backyard promise endless entertainment. Relax to palm trees gently rustling in the yard, a cozy fire pit, and a cornhole game for outdoor fun. Lastly, our check-in and check-out process is simple, ensuring a seamless experience during your stay.

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

Home in Panama City

4.96 out of 5 average rating, 24 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 large tree is silhouetted against a tranquil lake at sunset, with the sun dipping below the horizon. A private dock extends into the water, offering a peaceful view of the colorful sky reflected on the calm surface.

Home in Panama City

4.74 out of 5 average rating, 53 reviews

Waterfront |Hot Tub|Private Dock|Boat Launch

Welcome to your tranquil getaway where you can unwind in your very own private hot tub under the stars. With a spacious backyard and direct water access, you can spend your days fishing, boating, or simply relaxing on your own private dock. And if you're looking for a venue for your next special event, this location is perfect for weddings, family celebrations, and more!

Vacation rentals for every style

Get the amount of space that is right for you

Apartments

Convenient locations with everyday essentials

Houses

A space thats all yours, with room for everyone

Cottages

Quaint homes, peaceful surroundings

Popular amenities for Bay County lake access rentals

Free parking on premises

Air conditioning

Lake access house rentals

Top guest favorite

A charming independent home is depicted with light-colored siding and a dark shingled roof. A palm tree stands in the foreground, complemented by low shrubs and manicured grass. A welcoming porch area features two chairs beside a front entrance with large windows.

Home in Panama City Beach

5 out of 5 average rating, 22 reviews

R3 at Lake Powell/Inlet Beach with EV charger

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

4.92 out of 5 average rating, 13 reviews

Dolphin Days Lagoon Escape

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 serene view of a sandy beach with gentle waves lapping at the shore. A solitary bird is spotted near the water's edge, while beachgoers can be seen in the distance under colorful umbrellas. The sky is partly cloudy, creating a calm atmosphere.

Home in Panama City Beach

4.96 out of 5 average rating, 23 reviews

Condo: Shore Beats Work

Top guest favorite

An aerial view of the surrounding area highlights the proximity to the ocean, with marked beach access points visible. The image showcases the vibrant neighborhood layout, including residential homes and the nearby Lake Powell, enhancing the sense of location.

Home in Panama City Beach

4.97 out of 5 average rating, 38 reviews

Family Retreat Beach&Lake access, Game room, Pool

Top guest favorite

A three-story white coastal home features a contemporary design, with large windows enhancing natural light. The driveway is lined with palm trees, providing a tropical ambiance. Stone pathways lead to the entrance, surrounded by well-maintained landscaping and grass.

Home in Rosemary Beach

5 out of 5 average rating, 48 reviews

Golf Cart ~ Pool ~ Lake and Beach Access

A modern kitchen features a large central island with seating for four. White cabinetry and marble countertops are complemented by stainless steel appliances. Ample natural light enters through the windows, highlighting the sleek design and functionality of the space.

Home in Panama City Beach

5 out of 5 average rating, 16 reviews

Modern Bayfront Home/Walk to Beach/Private Pool

A coastal-style beach house is pictured with a light-colored exterior and a welcoming turquoise front door. Lush greenery and potted plants enhance the entrance, while a paved driveway leads to a two-car garage. Clear blue sky creates a bright backdrop for the property.

Home in Walton County

5 out of 5 average rating, 12 reviews

Rays and Waves

Lake access apartment rentals

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

4.81 out of 5 average rating, 21 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, 113 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 Panama City

4.97 out of 5 average rating, 35 reviews

Emerald Coast Sea-renity.

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, 51 reviews

Paradise in Pirates Cove

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, 26 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

5 out of 5 average rating, 9 reviews

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

A bright studio space features a queen-size bed, complemented by a light-colored sofa and decorative pillows. A ceiling fan enhances airflow while large windows offer views of the outdoors. The kitchen area includes bar stools, and a door provides access to a private patio.

Apartment in Panama City Beach

5 out of 5 average rating, 13 reviews

Sweet 'E' by the Sea, West end PCB Condo

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 Panama City Beach

5 out of 5 average rating, 9 reviews

Hideaway Cottage | Dog Friendly | Steps 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 Panama City Beach

4.9 out of 5 average rating, 39 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, 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 Panama City Beach

4.9 out of 5 average rating, 41 reviews

The Cottage on Alta Vista-so charming!

An intricate fire pit is showcased, featuring the engraved word 'Choctaw.' Flames dance atop the burning logs, surrounded by a stone patio. Nearby, a basket filled with pine cones adds a rustic touch to the natural setting of tall trees and greenery.

Cottage in Ponce de Leon

5 out of 5 average rating, 12 reviews

Choctaw Lodge Retreat

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

4.73 out of 5 average rating, 11 reviews

30A Beach Access, Sea La Vie

The coastal-cottage-style home is framed by lush greenery, showcasing a welcoming porch with white columns and dark steps. A spacious garage is visible, filled with various sports equipment, including paddleboards and bicycles, highlighted by a large yellow paddleboard leaning against the exterior.

Cottage in Inlet beach

4.97 out of 5 average rating, 39 reviews

Kid friendly golf cart sports gear pool lake beach

The charming cottage exterior features a welcoming entrance with steps leading to a covered porch. A bicycle rests beside a large blue planter, set against a backdrop of lush greenery and cloudy skies.

Cottage in Inlet Beach

5 out of 5 average rating, 71 reviews

3BR Gem Big Yard, Deck, Screen Porch, Bikes & More

Destinations to explore