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Vacation rentals with lake access in Florida Panhandle

Find and book unique lake access rentals on Airbnb

Top-rated lake access rentals in Florida Panhandle

Guests agree: these lake access rentals are highly rated for location, cleanliness, and more.

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Top guest favorite

A view of a lush landscape featuring tall palm trees in the foreground and a well-maintained grassy area. Beyond the lush greenery, coastal homes and the ocean can be seen, with a clear blue sky above and gentle waves in the distance.

Townhouse in Destin

4.98 out of 5 average rating, 119 reviews

Waterview Villa/ Pool/ 3 Min to beach/ 2 King Beds

Nestled in the heart of Destin, FL, this upper-level 2-bedroom, 2-bathroom duplex is the perfect retreat. Wake up to serene private lake view from your balcony and enjoy the convenience of being just steps from the pristine white sand beach. Each bedroom features a plush king bed, while the fully equipped kitchen makes dining effortless. Relax by the community pool or savor tranquil evenings on your private patio. This villa combines coastal charm with modern comfort for an unforgettable escape!

Top guest favorite

A peaceful sunset over calm waters creates a vibrant display of orange and purple hues. A wooden dock extends into the water, reflecting the colorful sky, while silhouettes of trees line the distant shore. The scene evokes tranquility and natural beauty.

Apartment in Gulf Breeze

4.95 out of 5 average rating, 213 reviews

Redfish Loft, private waterfront Apt. on East Bay

Light airy open floor plan " pet friendly with fee " loft style apartment with private bedroom. Watch the blue herons & dolphins, sit on one of two private decks sipping coffee as you watch the sunrise on the Bay. Paddle the clear waters in our kayaks or bring your SUP. Cook your fresh catch on your private grill or visit a local seafood restaurant. Private, secluded, neighborhood. Join us @ Fire pit ..is usually going on the weekends. East Bay is known for it's Red fish and calm waters.

The exterior of the cottage features a stone facade and a covered carport. A well-maintained path leads to the entrance, surrounded by established shrubs and greenery. A gravel driveway provides access, with a fenced yard visible in the background.

Cabin in Mary Esther

4.91 out of 5 average rating, 207 reviews

Safe Harbor Cottage on Santa Rosa Sound - Pets ok!

Well furnished private one bedroom cottage with sunroom, patio, and carport. Full kitchen with bar counter. Has washer/dryer! There's a fenced yard with small deck, perfect for dog owners. The home is situated under shady oak trees with access to waterfront on Santa Rosa Sound. You can enjoy playing with the pooch, swimming, boating, kayaking, fishing, and viewing beautiful sunsets. It's a perfect location for visits to Hurlburt AFB, or vacationers seeking easy access to Ft. Walton and Navarre.

A light-filled living area is showcased, featuring a pair of white sofas adorned with colorful throw pillows. A glass coffee table is positioned in the center, holding a stack of books and decorative items. A tall green plant stands near a stylish lamp, enhancing the space's ambiance.

Home in Pensacola

4.81 out of 5 average rating, 102 reviews

Navypoint Beauty 2/2 Whole House

Kick back and relax in this calm, stylish bungalow. Very close to NAS Pensacola 2 blocks to beautiful bayou (many times full of dolphins) anda park with walking trails. Bring your kayak! You may very well get to see the Blue Angels practice in this clean and stylish home filled with lots of little amenities! Beds are super comfy Neighborhood is peaceful and safe Perdido Key Beach is only 15/20 minutes away! White sugar sand beaches. Fully stocked and supplied kitchen, lovely sunroom, large deck

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!

Top guest favorite

The exterior of Dune Villa is showcased, featuring a covered porch with a railing and seating for relaxation. Surrounding trees provide shade, while a wooden fence borders the space, offering privacy. The structure's simple design reflects a welcoming ambiance.

Guesthouse in Santa Rosa Beach

4.96 out of 5 average rating, 250 reviews

Dune Villa - Santa Rosa Beach /30-A

Dune Villa is located on the west end of 30-A. Our stand alone guest house has a private entrance with guest parking, full kitchen, laundry, queen size bed, bathroom and outdoor shower. Beach chairs/umbrella, beach towels, cooler, and two bicycles are provided. Just around the corner from Stinky’s Fish Camp, Santa Rosa Golf Club, Topsail State Park, Coastal Dune Lakes and Gulf Place Town Center. The perfect vacation rental for quick trips to the beach, business trips, or an extended vacation.

A cozy bedroom features a spacious bed covered in a light blue quilt. Two matching pillows are positioned at the head of the bed. A large window offers views of the surrounding landscape, with a picture of a coastal scene displayed above the bed.

Condo in Navarre

4.94 out of 5 average rating, 157 reviews

La Playa Esmeralda - Panoramic Sunset Views

Welcome to La Playa Esmeralda, a beautifully renovated 2nd floor studio. Upon entering you'll be greeted by beautiful views of the Sound where the sunsets are unparalleled. This lovely condo includes 2 comfortable beds-1 regular and 1 Murphy bed, along with a coffee bar and fully equipped kitchen. You're just a 5 minute walk to the beach. Enjoy a dip in the pool, grilling in the gazebo and fish all night long on our large, lighted, private fishing pier, where no fishing license is required.

Top guest favorite

An aerial view captures the beachfront studio’s location within the Sandestin Resort. The image showcases the pristine white sand and turquoise waters, with pools visible nearby and lush greenery surrounding the buildings, emphasizing the resort’s spacious coastal setting.

Condo in Miramar Beach

4.98 out of 5 average rating, 164 reviews

Light &Airy ON Beach-Golfcart* @ SanDestin Resort

Airy 1st fl. Sleek studio ON Beach. 🛺 Golf cart w/3+ nts. In Sandestin Resort between Destin & 30A. NEW Pool & Hot Tub! West Elm furniture & King bed with tropical view. Relax on the patio’s Bali bed listening to the waves. WiFi & 55” smart TV. Kitchen w/coffee cart. Washer/dryer. Enjoy free gym, tram, beach, trails, golf, dining, shopping & entertainment all without leaving the resort! Perfect honeymoon, baby moon, romantic getaway, girls trip, solo travel or lil’ fam vacay! *no animals

A generous balcony features a round table surrounded by four striped chairs, offering ocean views. Two blue lounge chairs are positioned beside the table. The expansive space allows for comfortable relaxation while overlooking the beach and turquoise waters.

Condo in Fort Walton Beach

4.92 out of 5 average rating, 245 reviews

ISLANDER BEACH 5TH FLOOR GULF VIEW CONDO - 2BD/2BA

Islander Beach Resort is a 7-story structure of 114 condos on a short 2 mile stretch of Okaloosa Island and sits DIRECTLY on the beach. The building is painted aqua blue and gray, and all units overlook the ocean. There are 2 elevators and lots of parking. Guests can freely access the beach, pool, BBQ pits and parking area (a parking pass is needed), but you will probably spend the majority of your time on our large private balcony overlooking the pool and beach, listening to the waves.

A bright and inviting living space features large windows overlooking the bayou. The room includes a spacious bed, a cozy seating area with a sofa, and a dining space. A statement chandelier adds a touch of elegance, while wooden accents enhance the warm ambiance.

Treehouse in Santa Rosa Beach

4.94 out of 5 average rating, 110 reviews

Romance On The Bayou

Escape the mundane and take your loved one to an oasis of romantic luxury on the bayou. Admire unparalleled serenity, beauty, and tranquility from every window! Enjoy high-end furniture with plenty of natural light for a private paradise experience. Get away from it all - with numerous outdoor games; Jenga, ring toss and more! Spend the day together in a canoe exploring nature's beauty. Build special memories around a custom fire pit, delightful chairs & tiki torches. #Romance

A serene beach scene is depicted, featuring gentle waves lapping against a sandy shore. The water transitions from deep turquoise to soft green, under a bright sky with scattered clouds, creating a tranquil coastal atmosphere.

Guesthouse in Santa Rosa Beach

4.93 out of 5 average rating, 294 reviews

The Lily Pad, a 30A beach getaway

The house is located in a secluded area off Scenic Highway 30A, about 1/2 mile from the Beach access at Stallworth lake. We are at one of the most pristine beaches in the area, adjacent to the Topsail State Preserve, with many hiking and biking trails, wildlife viewing, canoeing, kayaking and paddle-boarding options. This location has easy access to all the shopping and amenities of highway 98, yet close enough to bike to the action at Watercolor, Seaside and Grayton Beach.

Top guest favorite

A screened porch swing is visible, offering a relaxing seating area with a cozy blue cushion and throw pillows. A mug of coffee rests on a wooden seat. Outside, a serene pond is framed by trees, with a grassy area and dock in the background.

Cottage in Dothan

5 out of 5 average rating, 203 reviews

Juju’s Pond House on Smith Pond

Take it easy at this unique and tranquil getaway located on 100 acres and nestled quietly on a private pond. The house was originally built in 1921 and in 2018 we had the house moved down to the pond and did a full renovation while preserving as much original character as we could. Enjoy your morning coffee and watch the sunrise from the screen porch swing or one of the docks at the pond. The property has nature trails to explore, fishing, and plenty of wildlife.

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Popular amenities for Florida Panhandle lake access rentals

Free parking on premises

Air conditioning

Lake access house rentals

The image captures a vibrant sunset over calm waters with streaks of pink and orange illuminating the sky. A wooden dock extends into the distance, and sandy shores are visible in the foreground, creating a serene waterfront atmosphere.

Home in Navarre

4.99 out of 5 average rating, 77 reviews

*~Private Waterfront Retreat: Kid & Pet Friendly~*

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 |

Top guest favorite

A hammock is suspended between two trees, providing a serene resting spot near the lake. Adirondack chairs are positioned on a deck, surrounded by lush greenery. The calm water reflects the clear blue sky, creating a peaceful atmosphere for relaxation.

Home in Santa Rosa Beach

5 out of 5 average rating, 65 reviews

Romantic Seagrove Palmetto Bungalow 30A Lakefront

Home in Panama City

4.96 out of 5 average rating, 27 reviews

Organic Design with a Resort Style Heated 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

4.86 out of 5 average rating, 148 reviews

Aqua: Live under the sea! Direct beach access!

A covered deck provides a serene space with a dining table and chairs, overlooking Little Lagoon. The area features wooden flooring and railings that frame the scenic view at sunset, with lush greenery and water visible in the background.

Home in Gulf Shores

4.96 out of 5 average rating, 139 reviews

Lagoon & Beach! Private Pool, Sleeps 12, Location

Aerial view of the coastal property showcases private beach access with a proximity to the serene Lagoon. A well-appointed living space features comfortable seating arranged around a modern coffee table. A cozy bedroom contains light bedding paired with decorative accents. Outdoor seating arranged on the beach invites relaxation.

Home in Gulf Shores

4.94 out of 5 average rating, 107 reviews

Beach & Lagoon Retreat - Private Beach Access

Top guest favorite

A serene view of the water is captured, featuring a long wooden pier extending into the calm bay. White sand lines the shore beside green grass, where two white chairs are placed for relaxation. The city skyline is faintly visible in the distance.

Home in Navarre

4.97 out of 5 average rating, 79 reviews

Navarre|BeachFront | Fishing Pier| Pet Friendly

Lake access apartment rentals

A vibrant green chair is positioned near expansive glass doors, offering a view of the ocean beyond. Light-colored curtains frame the doorway, and a tropical-themed painting is mounted on the wall. A wooden cabinet with various amenities is visible to the right.

Apartment in Destin

4.72 out of 5 average rating, 262 reviews

Beachfront Condo, Ocean View 2BR/2BA, Majestic Sun

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

Top guest favorite

A wooden dock extends into Poquito Bayou, featuring a green umbrella providing shade over a seating area. The clear blue water reflects the sky, while the shoreline is lined with lush greenery. Nearby, a flag is visible, indicating a peaceful outdoor setting.

Apartment in Shalimar

4.99 out of 5 average rating, 159 reviews

Sylvia's Suite Dreams-kayak & paddleboard free

Apartment in Destin

4.83 out of 5 average rating, 110 reviews

Sunny Daze 0.8 Miles to beach, monthly discount

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

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

A modern living area features a leather sectional sofa paired with decorative pillows. A sleek, glass coffee table sits atop a patterned rug. The kitchen island, equipped with barstools, offers a view through large windows that provide natural light and overlook the landscape.

Apartment in Destin

4.92 out of 5 average rating, 171 reviews

Luxview

A light-filled open-concept living area features a green sectional sofa complemented by a white coffee table. Bar-style seating is arranged at the kitchen counter, with modern appliances visible in the background. Expansive windows are framed by beige curtains, enhancing the inviting atmosphere.

Apartment in Destin

4.87 out of 5 average rating, 110 reviews

The majestic Jewel

Lake access cottage rentals

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

The elevated home is surrounded by green trees and grass, showcasing a spacious patio area below. A wooden deck extends from the top level, providing access to the outdoors. Lattice work and a utility pole are visible, contributing to the private setting.

Cottage in Bainbridge

4.74 out of 5 average rating, 114 reviews

Cozy, modern 2 bedroom, 2 bath cottage

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

An open kitchen features a large island with a wooden countertop, complemented by white stools. A dining table is visible nearby, and large windows allow natural light to fill the space, showcasing a vibrant blue wall. Stainless steel appliances and a well-organized layout enhance functionality.

Cottage in Fairhope

4.84 out of 5 average rating, 106 reviews

Waterfront Paradise - Bay Sunsets - Rejuvenate

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

Top guest favorite

A wooden dock extends over the calm waters of Lake Seminole, featuring a covered seating area. Utility poles with lights are positioned along the dock, and vibrant green lily pads float on the water's surface under a bright blue sky dotted with scattered clouds.

Cottage in Bainbridge

4.95 out of 5 average rating, 58 reviews

Seminole Hideaway Cottage

A bright living area features comfortable blue couches and cream-colored recliners. A wooden coffee table sits centrally, and a lamp adds subtle lighting. Large windows provide ample natural light, enhancing the inviting space that leads to the dining area and kitchen.

Cottage in Gulf Shores

4.86 out of 5 average rating, 195 reviews

YOUR OWN HOME Water Views/Private Beach /Dock/Pool

Top guest favorite

A wooden sign shaped like a fish indicates 'The Cottage,' positioned on a post. The background features a gravel pathway leading up to the cottage, surrounded by trees and shrubs. Bright sunlight casts a warm glow over the scene.

Cottage in Donalsonville

4.98 out of 5 average rating, 110 reviews

The Cottage! 5 star! Hottub•fishing•dock/lift

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