Bay County Luxury Home Communities

Discover our luxury custom home communities or build on your lot around the Panama City, Lynn Haven, and Panama City Beach, FL areas.

Homes starting from the $700s.

Exceptional Settings for Your Custom Home in Bay County

We believe that a home is immeasurably more beautiful when built on your lot in the perfect setting along the Gulf Coast. It requires a property that is an expression of the home itself, where luxury living feels as effortless as the ocean breeze. Whether your ideal location is along an exquisite golf course or among the swaying North Florida palms, the home of your dreams can be brought to life in a custom home by AR Homes®.


Sweet Bay – Community Coming Soon

Find your dream custom home at Sweet Bay in Panama City. Located alongside more than five miles of bayfront shoreline in northwest Florida, discover this perfect coastal community. A place where the best of nature meets the best of neighbors. A community where every square foot of your home, your neighborhood, and your favorite getaway spot has been overseen with exquisite planning and design. A destination where landscape architects have harmonized green spaces, pet-friendly parks, winding walking trails and bayfront access to provide boundless room to live, work, and play.

Build On Your Lot

Each of our award-winning plans by AR Homes® bring customizable, luxury living to your perfect piece of land in the Bay County Area. Whether you have your perfect piece of land or are searching for a waterfront or golf course lot, learn more about our on your lot communities below. Reach out to our Panama City Team team to learn more.

Trieste - On Your Lot

Trieste, one of Panama City’s luxury gated communities gives its residents the best of Florida outdoor living. With golf, white sand beaches, and Mediterranean charm, your custom on your lot home will be situated in paradise.

The Preserve - On Your Lot

Wherever your lot is located at the Preserve, residents will be surrounded by the beauty of the nearby nature preserves and peaceful atmosphere in the comfort of a custom home.



Cove Pointe - On Your Lot

The community of Cove Pointe is the ideal location for your custom dream home. For those wanting to live on the coast, build on your lot by the bay, ocean, or inlet and discover the key to a relaxed Florida lifestyle.

RiverCamps - On Your Lot

RiverCamps is a unique, luxury community with a focus on the preservation of the Emerald Coast. From fishing, kayaking, biking, boating, and its own wildlife sanctuary, RiverCamps is the ideal location for outdoor enthusiasts. Choose to build your custom dream home at RiverCamps.

Watersound Camp Creek - On Your Lot

Watersound Camp Creek is the newest custom home community in South Walton. Located next to Camp Creek Golf Club, this sought-after location is a scenic 30A drive or bike ride away from the beautiful Gulf of Mexico or the future Watersound Origins Town Center. Build your custom dream home at Watersound Camp Creek.

Panama Country Club - On Your Lot

Panama Country Club is the perfect custom home community located in Lynn Haven. Known for its exquisite golf course designed by Donald Ross, Panama Country Club boasts beautiful greens and challenging courses for its members and aspiring golfers alike. Building your custom dream home at Panama County Club is a hole in one.

Inlet Beach - On Your Lot

Build your custom dream home at Inlet Beach, FL. From the moment you wake up, experience a truly luxurious experience. Find yourself surrounded by beauty and tranquility and listen to the sound of waves crashing on the shore. With its pristine white beaches, crystal-clear waters, and lush vegetation, the community of Inlet Beach is a nature lover’s paradise. Find an abundance of luxury in your custom home at the community of Inlet Beach.

Build Your Custom Home On Your Lot - Inlet Beach Real Estate