YELLOW tier · FL
Panama City Beach
Panama City
Thesis
Strong condo arbitrage on Front Beach Rd / Lagoon corridor. Specific buildings (Calypso, Origin, Continental, Sunrise, Splash, Long Beach Resort, Laketown Wharf, Shores of Panama, Tidewater, Grand Panama) have HOA-resolved STR rights. Spring-break window now constrained by High-Impact Period ordinance.
Regulatory note
State preempts STR bans, but Bay County's October 2025 High-Impact Period ordinance limits March-April rentals to 21+ guests with 8pm minor curfew, and tightens the spring-break ROI without ID verification.
Coming soon
Panama City Beach deep-dive: full report ships with your first pack.
Permitted zones, banned zones, HOA-permissive buildings, friendly PMs, ADR/LTR benchmarks, seasonality, and red flags — all delivered alongside your 50 ranked leads.