Rent to own Homes in Upper Grand Lagoon, FL

Welcome to Upper Grand Lagoon, a true gem of the Florida Panhandle and Bay County. Located right across Saint Andrew Bay from Panama City, Upper Grand Lagoon is the definition of a Gulf Coast town. A census-designated place, Upper Grand Lagoon is home to roughly 14,000 inhabitants. Full of pleasant planned communities and situated next to the ocean and the action of Panama City, this town is a solid choice for those looking to settle down beneath the Florida sun.

Upper Grand Lagoon, FL is a great place for affordable rent-to-own homes! With a median household income of over $58,878 and a median rent of $1,158, the Upper Grand Lagoon, FL rent-to-own market is more affordable than the traditional housing market which has shown tremendous growth across the U.S. and with it, aggressive competition for home purchases. With the current housing shortage trend it can make it harder to become a homeowner, including in Upper Grand Lagoon, FL. This means higher than average down payments for homes and higher qualification standards for conventional home loans. With a rent-to-own property, tenants are also buyers. You can live in the house for a set amount of time before you purchase it, meaning that you get to know the house, your neighbors, and your community before making the final purchase. This enables you and your family to make the right choice based on both information and experience. Rent-to-own is also a great alternative way to get into a home if you have bad credit or don't have enough saved for a down payment.

Check out Upper Grand Lagoon, FL rent to own homes for sale, which may include auction properties, for sale by owner, and more.
Showing 1 - 44 of 176
1 of 12 2401 15th st west
Rent To Own
Hursts Replat
Multifamily (2 - 4 Units)
Panama City, FL 32405
8
2
2628 ft2
1952
117 Glades Turn Panama
Rent To Own
Panama City Beach
Single Family Home
Panama City Beach, FL 32407
3
2
1636 ft2
1993
917 ROSEMONT DR
Rent To Own
Huntingdon Estates
Single Family Home
Panama City, FL 32405
3
2
1869 ft2
1976
2800 WOODMERE DR
Rent To Own
Forest Park East
Single Family Home
Panama City, FL 32405
4
4
3224 ft2
1991
New
707 W 8th St
Rent To Own
Lynn Haven
Single Family Home
Lynn Haven, FL 32444
4
2
1642 ft2
1974
3303 COUNTRY CLUB DR
Rent To Own
Country Club Harbour Estates
Single Family Home
Lynn Haven, FL 32444
3
4
3919 ft2
1990
110 Swan Rd
Rent To Own
 
Single Family Home
Panama City, FL 32404
3
2
1646 ft2
1962
Hot
1 of 8 200 HUGH THOMAS DR
Rent To Own
Grimes Callaway Bayou Estates
Single Family Home
Panama City, FL 32404
3
2
2557 ft2
1988
5434 HOPETOWN LN
Rent to Own Eligible
Port Lagoon
Single Family Home
Panama City, FL 32408
3
4
2317 ft2
2003
1702 WAHOO CIR
Rent to Own Eligible
Bay Point
Single Family Home
Panama City, FL 32408
3
2
1647 ft2
1977
1 of 34 8000 SURF DR
Rent to Own Eligible
Silver Sands Beach
Townhouse/Condo
Panama City, FL 32408
1
1
360 ft2
1981
1 of 146 4121 Cobalt Cir
Rent to Own Eligible
Upper Grand Lagoon
Townhouse/Condo
Panama City Beach, FL 32408
3
2
1848 ft2
2007
6905 THOMAS DR
Rent to Own Eligible
Holiday Beach
Townhouse/Condo
Panama City, FL 32408
3
2
1550 ft2
1983
6505 THOMAS DR #703
Rent to Own Eligible
Crescent Beach
Townhouse/Condo
Panama City, FL 32408
2
2
1075 ft2
1984
6905 THOMAS DR #209
Rent to Own Eligible
Holiday Beach
Townhouse/Condo
Panama City, FL 32408
1
2
835 ft2
1983
1 of 37 4330 Legend Pl
Rent to Own Eligible
Upper Grand Lagoon
Single Family Home
Panama City Beach, FL 32408
3
2
1503 ft2
1995
1 of 4 400 WATER OAK CIR
Rent to Own Eligible
Upper Grand Lagoon
Single Family Home
Panama City, FL 32408
3
2
1044 ft2
2002
211 SCOOTER DR
Rent to Own Eligible
North Lagoon Oaks
Single Family Home
Panama City, FL 32408
2
2
1120 ft2
1985
1 of 89 8727 THOMAS DR
Rent to Own Eligible
Panama City Beach
Townhouse/Condo
Panama City, FL 32408
2
2
1086 ft2
1974
599 SEABREEZE DR
Rent to Own Eligible
Lagoon Heights
Townhouse/Condo
Panama City Beach, FL 32413
3
2
947 ft2
2020
6609 THOMAS DR #906
Rent to Own Eligible
 
Townhouse/Condo
Panama City, FL 32408
4
3
2060 ft2
1999
1001 LIGHTHOUSE LAGOON CT
Rent to Own Eligible
Upper Grand Lagoon
Single Family Home
Panama City Beach, FL 32407
3
2
1594 ft2
2005
New
2521 BRUCE AVE
Rent to Own Eligible
Point Royal
Single Family Home
Panama City, FL 32408
2
2
1303 ft2
2007
1608 ANNABELLAS WAY
Rent to Own Eligible
Gulf Coast Highway
Single Family Home
Panama City Beach, FL 32407
3
3
1545 ft2
2006
1913 DRUMMOND AVE
Rent to Own Eligible
St. Andrews
Single Family Home
Panama City, FL 32405
3
2
1008 ft2
2003
1 of 104 203 JASE LN
Rent to Own Eligible
Hidden Pines
Single Family Home
Panama City, FL 32408
4
3
1968 ft2
2004
4909 SPYGLASS DR
Rent to Own Eligible
 
Single Family Home
Panama City, FL 32408
3
2
2052 ft2
1980
8422 THOMAS DR #D
Rent to Own Eligible
Bel Air
Single Family Home
Panama City, FL 32408
2
2
1140 ft2
1983
8715 SURF DR #1503B
Rent to Own Eligible
Panama City Beach
Townhouse/Condo
Panama City, FL 32408
2
2
1310 ft2
2004
1727 ANNABELLAS DR
Rent to Own Eligible
Gulf Coast Highway
Single Family Home
Panama City Beach, FL 32407
3
3
1713 ft2
2011
New
1 of 49 1904 GRANT AVE
Rent to Own Eligible
Drummond And Ware
Single Family Home
Panama City, FL 32405
3
1
1349 ft2
1976
5717 THOMAS DR #C134
Rent to Own Eligible
 
Townhouse/Condo
Panama City, FL 32408
1
2
492 ft2
1981
1 of 216 8730 THOMAS DR
Rent to Own Eligible
 
Townhouse/Condo
Panama City, FL 32408
3
3
1322 ft2
1984
1 of 44 3909 URAL ST
Rent to Own Eligible
Holiday Beach
Single Family Home
Panama City, FL 32408
3
2
1602 ft2
2003
1 of 52 6205 THOMAS DR
Rent to Own Eligible
 
Townhouse/Condo
Panama City, FL 32408
1
1
771 ft2
1983
New
355 AMBERJACK DR
Rent to Own Eligible
Lagoon Heights
Townhouse/Condo
Panama City, FL 32408
2
1
1056 ft2
1994
5402 BEACH DR
Rent to Own Eligible
Biltmore Beach
Single Family Home
Panama City, FL 32408
3
3
2324 ft2
2006
New
6621 GULF DR
Rent to Own Eligible
 
Single Family Home
Panama City, FL 32408
2
2
1422 ft2
1979
New
8715 SURF DR #304
Rent to Own Eligible
Panama City Beach
Townhouse/Condo
Panama City, FL 32408
2
2
1310 ft2
2004
New
5924 PINETREE AVE
Rent to Own Eligible
Biltmore Beach
Townhouse/Condo
Panama City, FL 32408
4
2
1570 ft2
2007
New
5801 THOMAS DR #1320
Rent to Own Eligible
 
Townhouse/Condo
Panama City, FL 32408
2
2
1144 ft2
1975
New
7017 SUNSET AVE
Rent to Own Eligible
Holiday Beach
Single Family Home
Panama City, FL 32408
3
3
1120 ft2
1973
New
240 BONITA CIR
Rent to Own Eligible
 
Single Family Home
Panama City, FL 32408
2
2
1020 ft2
2001
New
5801 THOMAS DR #905
Rent to Own Eligible
 
Townhouse/Condo
Panama City, FL 32408
1
2
916 ft2
1982
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Buying a Home in Upper Grand Lagoon, FL

Upper Grand Lagoon, FL is seeing rapid growth and Upper Grand Lagoon, FL's' housing market remains not optimal with an average home price that is 13% above the 2024 national average. Upper Grand Lagoon, FL is part of Bay county and taxes are an important factor to consider when purchasing a home whether through rent to own or a traditional purchase. The average tax rate as of 2024 for county Bay is 0.61% which is below the national average, which is 0.99%.

Median Home Price in Upper Grand Lagoon, FL

Median Rent in Upper Grand Lagoon, FL

Rent to own homes offer low monthly payments and flexible terms.

Top 4 Reasons to Live in Upper Grand Lagoon, FL

Go out and enjoy the water! Upper Grand Lagoon sits right by the Gulf of Mexico. Residents here can swim, jet ski, boat, fish, lay in the sand and more -- every day. There are numerous businesses in town offering boat rentals and sea tours. At St. Andrew's State Park, you can do everything from renting pontoons and setting off on a snorkeling excursion to packing a picnic and taking in views of the bay. Grand Lagoon Water Sports offers jet ski rentals, dolphin tours, and charter fishing to those looking for an adventure, while Captain Jack's Private Yacht Charters can take you out to spear fish, dive, or just explore.

Get a house beside the ocean! 53.9% of housing units in Upper Grand Lagoon are single-family dwellings, which indicates the majority of those living here have their own yard. What makes these houses even better is that many are right next to the beach. Houses near Bay Point Marina or Diver's Den, for instance, are within steps of the sea. You should be able to find homes for sale, rent, and even rent to own in seaside locations in Upper Grand Lagoon.

Wine and dine on the coast! Nothing beats going out for a tasty meal and a few drinks with the ocean as a backdrop. While living in Upper Grand Lagoon, you can do that every day. Order up a seafood platter at J. Michael's Restaurant, have Tequila and tacos at Marina Cantina, and taste the shrimp and wine at Capt. Anderson's. Seafood is the choice dish in Upper Grand Lagoon, but there are plenty of other good foods to be had. Head to the intersection of Thomas Drive and North Lagoon Drive and see where your appetite leads you.

Choose to rent or buy! 35% of Upper Grand Lagoon rents, while 65.0% owns. With a market that's friendly to both renters and buyers, you'll have no trouble finding something that suits your needs and preferences. For rental homes, check near Cardenas Seafood Market and the center of town, as there are some apartments and townhouses nearby. To view for sale listings, look in communities such as Point Royal and Magnolia Estates.