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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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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 Panama City Beach

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

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, 166 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, 33 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.

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, 52 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, 164 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 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 Panama City Beach

4.88 out of 5 average rating, 166 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.

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, 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 Panama City Beach

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.

Home in Panama City

4.96 out of 5 average rating, 27 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.

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, 115 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.....

A wooden dock extends over the water, featuring five teal adirondack chairs arranged to enjoy scenic views. The calm water reflects the clear blue sky, while the distant horizon showcases a subtle band of greenery.

Home in Panama City

4.75 out of 5 average rating, 55 reviews

Waterfront |Hot Tub|Private Dock|Boat Launch

Trade Snow Boots for Sandals – Inquire About Monthly Beach Specials 🏖️ 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

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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, 24 reviews

R3 at Lake Powell/Inlet Beach with EV charger

A heated pool is surrounded by a paved patio, featuring lounge chairs in deep blue and stylish umbrellas providing shade. Lush greenery and palm trees enhance the tranquil outdoor setting, inviting relaxation on sunny days.

Home in Panama City

4.97 out of 5 average rating, 36 reviews

Driftwood Dreams

Top guest favorite

A modern dining area features a wooden table surrounded by six upholstered chairs. A sleek chandelier hangs above, while three pendant lights illuminate the adjacent kitchen. Light-colored wood beams accent the ceiling, and a staircase is visible in the background.

Home in Rosemary Beach

5 out of 5 average rating, 79 reviews

Walk to Beach! | Pool | Golf Cart | Bikes |

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, 10 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, 211 reviews

Free Golf Cart, 5 min to Beach, Community Pool

Top guest favorite

An aerial view captures a large swimming pool surrounded by lounge chairs and the expansive beach in the background. The pool area is bordered by palm trees and a fence. The beach is populated with beachgoers, with gentle waves lapping at the shore.

Home in Panama City Beach

5 out of 5 average rating, 56 reviews

Resort Family Fun 5 mn walk2 Bch, 2 pools back yd

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

4.9 out of 5 average rating, 30 reviews

Condo: Shore Beats Work

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, 50 reviews

Golf Cart ~ Pool ~ Lake and Beach Access

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

4.96 out of 5 average rating, 49 reviews

Barefoot Bungalow Beachfront

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 Panama City

4.95 out of 5 average rating, 39 reviews

Emerald Coast Sea-renity.

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 Panama City Beach

4.97 out of 5 average rating, 59 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, 43 reviews

The Palms I Gorgeous Condo with Gulf View

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

4.92 out of 5 average rating, 13 reviews

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

The living area features a light blue wall, enhancing the spaciousness. A comfortable gray sofa faces a white coffee table and a dining table with white chairs. Natural light floods the space through the sliding glass doors, revealing a stunning Gulf view from the balcony.

Apartment in Panama City Beach

5 out of 5 average rating, 18 reviews

Laketown Wharf 509: Gulf Views + Free Activities!

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 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, 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 Panama City Beach

4.91 out of 5 average rating, 44 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, 13 reviews

Choctaw Lodge Retreat

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

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

4.98 out of 5 average rating, 40 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, 77 reviews

Deck, Porch & Yard Galore! | 3BR Coastal Escape

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