Quick Summary
Reflections at Bay Point is a bayfront condo community at 4100 Marriott Drive, Panama City Beach, FL 32408 — an 8-story, 86-unit building (built 2007) inside the gated Bay Point community on St. Andrew's Bay (Upper Grand Lagoon). Units range from 1 to 4 bedrooms, and short-term rentals are allowed, making Reflections a fit for second-home buyers, investors and primary residents alike.
Important distinction: Reflections is bayfront on St. Andrew's Bay — it is not Gulf beachfront. The building has its own small private bay beach plus docks and piers; the Gulf beach at St. Andrews State Park is about 11 minutes / 4.9 miles away via Thomas Drive.
View Reflections Condos for Sale Call or Text Roger: 850-596-5844
Is Reflections Right for Your Home Search?
Reflections can be a good fit for buyers who want bayfront condo living with resort-style amenities inside a gated golf community — at prices below most Gulf-front towers. Because short-term rentals are allowed, it also works for buyers who want a vacation rental or a second home that can offset its costs when they are away.
It is a poor fit for buyers who must have a Gulf-front, walk-to-the-sand beachfront building. Confirm that the bayfront setting — with its own small private bay beach, docks and piers, and the Gulf beach a short drive away — matches your expectations before you tour.
Current HOA dues, the rental rules for the specific unit and any pending or recent special assessments should be verified through the HOA (estoppel) before you buy. Call or text Roger at 850-596-5844 to walk through the numbers for a specific unit.
Reflections at Bay Point at a Glance
- Location: 4100 Marriott Drive, Panama City Beach, FL 32408 — inside the gated Bay Point community on St. Andrew's Bay (Upper Grand Lagoon).
- Building: 8 stories, 86 units, built 2007.
- Setting: Bayfront — the building has its own small private bay beach and docks/piers. NOT Gulf beachfront; the Gulf beach at St. Andrews State Park is about 11 minutes / 4.9 miles via Thomas Drive.
- Unit types: 1–4 bedrooms. Examples: 1bd/1ba at ~1,049 sq ft; 2bd/2ba at ~1,458 sq ft; plus penthouse units.
- Typical uses: Second home, vacation rental (short-term rentals allowed — verify the current rules for the unit) and primary residence.
- HOA dues: About $1,115–$1,150/mo ($1,115/mo = $3,345/quarter on Unit 809). Dues vary by unit and change over time — confirm by estoppel.
- Market snapshot (Oct 2026): 9 active listings in the building, median list price ~$479,000 (~$342/sq ft).
Reflections Amenities
Reflections is an amenity-driven building on the bay:
- Resort-style lagoon pool: ~10,000 sq ft; the round section is heated to 85° year-round.
- Hot tub
- Serenity Spa (on-site)
- Fitness center
- Clubhouse
- Barbecue areas
- Elevators and gated parking
- Private bay beach with docks/piers on St. Andrew's Bay
- Nearby: Clay tennis courts, the Bay Point Golf Course and Point South Marina — the marina is within walking distance.
HOA, Pets and Rentals
- HOA dues: About $1,115–$1,150/mo ($1,115/mo = $3,345/quarter on Unit 809). Dues vary by unit and change over time — confirm the current dues and what they cover by estoppel.
- Pets: The current pet policy is unverified — verify the current pet policy with the HOA before buying.
- Rentals: Short-term rentals are allowed (stated in the Zillow listing for Unit 808); roughly half of the building's units operate in vacation-rental programs such as Airbnb, Vrbo, iTrip and Southern Coast. Rental managers typically require the primary guest to be 25+. Verify the current rental rules for the specific unit with the HOA.
What Types of Condos Are Available at Reflections?
Reflections offers 1–4 bedroom condos. Examples from current and recent listings:
- Active (Oct 2026): Unit 809 — $669,000 (penthouse, 2bd); Unit 808 — $649,000 (2bd, listed Sep 2026); Unit 108 — $429,900 (2bd, ground floor); Unit 401 — $1,095,000; Unit 207 — $320,000.
- Recent sales: Unit 706 — $325,000 (sold Sep 4, 2026, 1bd); Unit 703 — $445,000 (sold Aug 12, 2026, 2bd); Unit 807 — $379,200 (Jun 2025, 2bd); Unit 805 — $415,000 (2024).
Market snapshot (Oct 2026): 9 active listings in the building, median list price ~$479,000 (~$342/sq ft). Inventory and pricing change — call or text Roger at 850-596-5844 for the current unit mix and pricing.
Reflections Location
- Setting: Inside the gated Bay Point community on St. Andrew's Bay (Upper Grand Lagoon), at 4100 Marriott Drive, Panama City Beach, FL 32408.
- Gulf beach: St. Andrews State Park — about 11 minutes / 4.9 miles via Thomas Drive.
- Pier Park: About 27 minutes / 12.6 miles via US-98 West.
- Downtown Panama City: About 23 minutes / 12.1 miles via US-98 East.
- Front Beach Road: Reflections is not on Front Beach Road — allow about 28 minutes to reach the middle of Front Beach Road.
- Gated community: Bay Point is gated.
- Schools: Check the MLS listing for the assigned schools for a specific property — school assignments change.
Can Reflections Condos Be Used as Vacation Rentals?
Yes — short-term rentals are allowed (stated in the Zillow listing for Unit 808), and roughly half of the building's units operate in vacation-rental programs such as Airbnb, Vrbo, iTrip and Southern Coast. Rental managers typically require the primary guest to be 25+.
- Verify the unit's rules: Confirm the current rental rules for the specific unit with the HOA before buying — rules can change.
- Verify city/county registration: Confirm whether the specific property sits inside Panama City Beach city limits or unincorporated Bay County, and meet the applicable vacation-rental registration, inspection and tax requirements.
- Rental math: If buying as an investment, verify the current rental rules, program terms and occupancy history before you write an offer.
HOA Fees, Insurance and Possible Assessments
- HOA dues: About $1,115–$1,150/mo ($1,115/mo = $3,345/quarter on Unit 809). Dues vary by unit and change over time — confirm the current dues, what they cover, reserves and any pending or recent special assessments by estoppel.
- Insurance: Budget for homeowners (HO-6), flood and wind coverage — coastal condo insurance costs can be significant. Get quotes early.
- Assessments: Ask the association about reserves, upcoming capital projects and any special assessment history.
Financing a Reflections Condo
Condos can be a different lending picture than single-family homes: condo projects must meet lender requirements (including Fannie Mae/Freddie Mac warrantability standards), and some loan types treat condos differently. Work with a local lender experienced with Panama City Beach condos, and confirm the loan type and project approval before you write an offer.
Important Issues to Check Before Buying
- Current HOA dues, what they cover, reserves and any pending or recent special assessments.
- Rental rules for the specific unit — including whether short-term rentals are currently allowed.
- The current pet policy (unverified — confirm with the HOA).
- Flood zone, flood insurance cost and wind coverage quotes.
- Building condition (built 2007), HOA financials and any maintenance or assessment history.
- Whether the parcel is inside Panama City Beach city limits or unincorporated Bay County (different vacation-rental requirements may apply).
- School assignments via the MLS listing for the specific property.
- Confirm the bayfront setting meets your expectations — Reflections is not a Gulf-front beachfront building.
Reflections Compared With Other Panama City Beach Communities
Reflections is the bayfront, gated-golf-community alternative to the Gulf-front towers along Front Beach Road: bay views, docks and a small private bay beach instead of walk-to-the-sand Gulf beachfront, typically at lower price points and with short-term rentals allowed. Buyers comparing Reflections often look at these nearby guides:
Buying a Reflections Condo
- Verify the numbers: Dues, insurance, rental eligibility and assessments before you write an offer.
- Know which unit: Floor, view, square footage and HOA dues vary across the 86 units — compare 1–4 bedroom options and the penthouse level.
- Work with a local specialist: Call or text Roger at 850-596-5844 for current inventory, verified comps and a walkthrough of the rental rules for any unit you are considering.
Selling a Reflections Condo
- Price against verified comps: Recent sales include Unit 706 ($325,000, Sep 2026, 1bd), Unit 703 ($445,000, Aug 2026, 2bd), Unit 807 ($379,200, Jun 2025, 2bd) and Unit 805 ($415,000, 2024).
- Highlight the differentiators: Bayfront setting inside gated Bay Point, ~10,000 sq ft lagoon pool heated year-round, Serenity Spa, dock access and short-term-rental eligibility.
- Disclose the details buyers ask about: Current dues, rental rules, pet policy and any assessments.
- Get a local pricing opinion: Call or text Roger at 850-596-5844 for a current market analysis.
Useful Buyer Resources
Frequently Asked Questions About Reflections at Bay Point
Is Reflections at Bay Point on the beach?
Reflections is bayfront on St. Andrew's Bay — not Gulf beachfront. The building has its own small private bay beach plus docks and piers. The Gulf beach at St. Andrews State Park is about 11 minutes / 4.9 miles away via Thomas Drive.
Where is Reflections at Bay Point?
4100 Marriott Drive, Panama City Beach, FL 32408 — inside the gated Bay Point community on St. Andrew's Bay (Upper Grand Lagoon).
What do condos cost at Reflections?
As of October 2026: 9 active listings in the building with a median list price of ~$479,000 (~$342/sq ft). Recent sales include Unit 706 at $325,000 (Sep 2026, 1bd) and Unit 703 at $445,000 (Aug 2026, 2bd). Prices change — call or text Roger at 850-596-5844 for current pricing.
What are the HOA fees at Reflections?
About $1,115–$1,150/mo ($1,115/mo = $3,345/quarter on Unit 809). Dues vary by unit and change over time — confirm the current dues and what they cover by estoppel.
Can I rent out my Reflections condo short-term?
Yes — short-term rentals are allowed (stated in the Zillow listing for Unit 808), and roughly half of the building's units operate in vacation-rental programs such as Airbnb, Vrbo, iTrip and Southern Coast. Rental managers typically require the primary guest to be 25+. Verify the current rental rules for the specific unit with the HOA before buying.
Are pets allowed at Reflections?
The current pet policy is unverified — verify the current pet policy with the HOA before buying.
What schools serve Reflections at Bay Point?
Check the MLS listing for the assigned schools for a specific property — school assignments change.
Is Reflections in a gated community?
Yes — Reflections sits inside the gated Bay Point community.
Current Reflections Condos for Sale
The live listing feed above shows the current Reflections condos for sale. As of October 2026, 9 units are active in the building with a median list price of ~$479,000 (~$342/sq ft). Inventory changes — call or text Roger at 850-596-5844 for the latest availability and unit details.
Talk With a Local Panama City Beach Real Estate Specialist
Before buying a Reflections condo, compare the asking price, HOA dues, insurance costs, rental rules and assessment history. Local knowledge of the building matters.
Roger Rietsema, Realtor®
Allison James Estates & Homes
Panama City Beach, Florida
Call or text: 850-596-5844
Email: [email protected]
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About This Guide and Sources
Prepared for SellFL.net by Roger Rietsema, Realtor® with Allison James Estates & Homes, serving Panama City Beach and Bay County, Florida.
- Emerald Coastal — Reflections community overview
- MLS market data (Oct 2026) — active inventory, median list price and example listings
- Recorded sales data 2024–2026 — example unit sales
- HOA dues figures from current listings (dues vary and change — verify by estoppel before buying)
- Florida State Parks — St. Andrews State Park (Gulf beach access)
Last updated and sources checked: October 3, 2026.
Hero photo: listing photo for 4100 Marriott Drive Unit 809, via realtor.com / CPAR MLS.
