Live the Gulf Life on Florida’s Emerald Coast
Agent Connie Rivera

Connie Rivera

REALTOR®

(850) 541-5980

Connie@GulfLifeGo.com

Personal website

About Connie Rivera

Connie Rivera is a Broker Associate with Gulf Life Real Estate in Panama City Beach, a licensed Florida Real Estate Instructor, and a GRI ,RSPS , SRES designee dedicated to helping others build wealth and lifestyle through real estate along the Gulf Coast. With more than 25 years of experience in remodeling and construction and project management, she offers clients a unique advantage — the ability to evaluate value, see potential, and create strategic plans for buying, selling, and investing. The passion she has for serving others, education and sharing all of this with clients is truly imbedded in every single advice and service she provides.

Serving Panama City Beach, Panama City, Lynn Haven, and all of Bay County and surrounding areas, Connie specializes in primary homes, waterfront and beach properties, vacation homes, land, and investment opportunities. Known for her clear communication, strong negotiation skills, and step-by-step guidance, she focuses on education over pressure and relationships over transactions.

Her mission is simple: helping people live the Gulf Life while building a legacy for her family, her customers, and her community.

Featured Listings

See more
A rare opportunity for investors and developers to capitalize on immediate equity and long-term upside. This strategically located property with 200 ft of frontage on high traffic Hwy 98 recently appraised at $4,085,000, yet is being offered for just $3,985,000. Additionally, the current appraisal does not reflect the in-process Development Order (DO) or the significant investment already made toward its approval — specifically for the back 2 acres of the property. Building has the following occupancy: Unit A - (600 Sq.Ft.) Rented, Units B-C (1200 Sq.Ft.) Rented, Units D-E-F (1800 Sq.Ft.) Rented, Unit G (900 Sq.Ft.) Rented, Units H-I + warehouse, (2500 Sq.Ft.) Rented, Units J-K-L + warehouse (owner occupied), Unit M (600 Sq.Ft.) Rented, Unit N (600 Sq.Ft.) Rented! Also, the large billboard pays the building owner $7,500/yr rent. Don't miss this unique opportunity!
#776552

Panama City Beach

8406 Panama City Beach Parkway

None Beds

None Baths

12,622 Sq.Ft.

$3,985,000

MLS#: 776552

New on site 2 days ago
Fantastic 4-bedroom, 3.5-bath beach home located in the charming Crystal Beach community of Kokomo Kove. This home is perfect for entertaining with two screened-in porches, two upper decks, private pool, and only a few steps from the deeded beach access at the south end of Sunfish St. The home has beautiful curb appeal with lush surroundings including mature oak trees as well as tropical palm trees. This home comes fully furnished and boasts almost 1,600 sq ft making it the perfect primary residence, vacation retreat, or rental investment. Hardwood floors are featured throughout the home making it easy to maintain, ideal for beach living. The living area is nice and bright with several windows and doors allowing plenty of natural light in and is decorated with beautiful coastal decor. Great rental history! Schedule your showing today!
#1012301

Destin

57 Sunfish Street

4 Beds

3 Baths

1,562 Sq.Ft.

$1,490,000

MLS#: 1012301

New on site 2 days ago
Looking for a Beach Home with a Private Pool? Come see this one! You'll love it! All Brick 4BR/2BA home in the gated neighborhood of Paradise Retreat with easy access to a Private Beach just a short stroll away! ''Salty Seas'' is a Beach Home in Miramar Beach with a Private Salt Water & Heated 12' x 22' Pool! It is a Greek style pool with a bench at the deep end with extra jets simulating a spa! The home is nicely updated with incredible rental history! Make this your fully furnished, turnkey vacation rental home or come live and play from your private beach! Furnished with 2 King Beds, 1 Queen, and 2 Full Beds, sleeping 10! New AC in the Fall of 2020! Tankless Gas Hot Water Heater 2018. All Tile. No Carpet! Dimensions & other information should be verified. Schedule your showing today!
#1012300

Miramar Beach

405 Sandy Cay Drive

4 Beds

2 Baths

1,653 Sq.Ft.

$915,000

MLS#: 1012300

BACK ON THE MARKET........WHAT AN OPPORTUNITY FOR YOU!!!! Experience GULF-FRONT LIVING at its finest in this fully furnished, short-term rental-ready townhome located directly on the sugar-white sands of Panama City Beach. With NO HOA, this property offers a rare combination of investment potential, flexibility, and beachfront enjoyment. Thoughtfully updated and meticulously maintained, this coastal retreat features upgraded Anderson windows and Pella sliding glass doors, Hardie Board siding, a new roof (2025), updated HVAC, replaced plumbing, renovated bathrooms, and a stunning kitchen remodel completed in 2024 with new cabinetry, countertops, appliances, and lighting. The spacious interior is tastefully furnished and equipped with everything needed to continue operating as a successful vacation rental or to enjoy as a personal beachfront getaway. Step outside to enjoy the Gulf views from the updated deck and outdoor living spaces, perfect for entertaining or relaxing after a day at the beach. Additional features include keyless entry, an owner's closet, electric vehicle charger, updated washer and dryer, upgraded insulation, and numerous other improvements that provide peace of mind for years to come. Whether you're looking for a turnkey investment property, second home, or full-time beachfront residence, this Gulf-front gem offers the opportunity to own a piece of paradise with no HOA restrictions and direct access to one of Florida's most beautiful beaches!!!!!!! Call your Favorite Realtor to see this one!! Buyer to verify all measurements.
#791607

Panama City Beach

17195 Front Beach Road 6

2 Beds

2 Baths

1,280 Sq.Ft.

$895,000

MLS#: 791607

3500 Square feet of retail/restaurant/etc. space on the busy corner of Harrison and 6th Streets right where the bustling downtown starts! It's a beautiful brick building which currently has 8 murals by some of Panama City's best artists. Inside are natural brick walls in the first area as you walk in and painted white in the secondary area. There are two bathrooms, an office space (currently used and set up as a secondary kitchen), full kitchen with commercial vent hood, walk-in cooler and extra storage space with double doors leading to the alley for receiving freight. THIS LISTING IS FOR THE BUILDING ONLY. FF&E (Shelving/Coolers/Freezers/Tables & Chairs, etc.) are not part of the transaction but can be purchased as well. Kitchen hood and walk-in freezer are included since they are permanent and go through the ceiling/roof. This is a prime Opportunity Zone property and won't last long! Seller is a Realtor Business currently located at this address (Ocean Oriental Market) is also for sale)
#791810

Panama City

571 Harrison Avenue

None Beds

None Baths

3,500 Sq.Ft.

$724,900

MLS#: 791810

Prime development opportunity located in the heart of Panama City Beach. Four adjoining lots are being offered as a complete package for $700,000. The package includes 1910 Anne Avenue, 1906 Anne Avenue, 1826 Anne Avenue A & 0 Anne Avenue for a total of 1.412 acres, offering generous space for a wide range of projects. Currently zoned for single-family residential use, the property holds tremendous potential for rezoning to support multi-family housing, a residential community, commercial development, or other creative uses. The possibilities are limited only by your vision.
#786032

Panama City Beach

1906 Anne Avenue

None Beds

None Baths

1.41 acres

$700,000

MLS#: 786032

Prime development opportunity located in the heart of Panama City Beach. Four adjoining lots are being offered as a complete package for $700,000. The package includes 1910 Anne Avenue, 1906 Anne Avenue, 1826 Anne Avenue A & 0 Anne Avenue for a total of 1.412 acres, offering generous space for a wide range of projects. Currently zoned for single-family residential use, the property holds tremendous potential for rezoning to support multi-family housing, a residential community, commercial development, or other creative uses. The possibilities are limited only by your vision.
#786029

Panama City Beach

1910 Anne Avenue

None Beds

None Baths

1.41 acres

$700,000

MLS#: 786029

Prime development opportunity located in the heart of Panama City Beach. Four adjoining lots are being offered as a complete package for $700,000. The package includes 1910 Anne Avenue, 1906 Anne Avenue, 1826 Anne Avenue A & 0 Anne Avenue for a total of 1.412 acres, offering generous space for a wide range of projects. Currently zoned for single-family residential use, the property holds tremendous potential for rezoning to support multi-family housing, a residential community, commercial development, or other creative uses. The possibilities are limited only by your vision.
#786031

Panama City Beach

0 Anne Avenue

None Beds

None Baths

1.41 acres

$700,000

MLS#: 786031

Prime development opportunity located in the heart of Panama City Beach. Four adjoining lots are being offered as a complete package for $700,000. The package includes 1910 Anne Avenue, 1906 Anne Avenue, 1826 Anne Avenue A & 0 Anne Avenue for a total of 1.412 acres, offering generous space for a wide range of projects. Currently zoned for single-family residential use, the property holds tremendous potential for rezoning to support multi-family housing, a residential community, commercial development, or other creative uses. The possibilities are limited only by your vision.
#786030

Panama City Beach

1826A Anne Avenue

None Beds

None Baths

1.41 acres

$700,000

MLS#: 786030

Beach front 2b/ 2 ba condo situated in a convenient location near restaurants, shopping and Pier Park. The unit is decorated and rental ready. One of the distinguish features is the Wide and deep balcony to allow you to enjoy the unobstructed Western and Eastern view of the beach and to enjoys the spectacular sunsets. Both bedrooms are on the beach side. Floors tiled. Kitchen has granite counter tops. All appliances are matching. Long beach has 3 pools with a tropical lagoon pool, Tiki bar by the pool area. Most of the furniture are new.. Water heater and AC are new. Seller granting a 30k allowance for upgrade to a qualified buyer!
#788756

Panama City Beach

10517 Front Beach Road 1107

2 Beds

2 Baths

1,304 Sq.Ft.

$629,900

MLS#: 788756

Welcome to an extraordinary Gulf-front escape soaring above the sugar-white sands of Panama City Beach from the 19th floor of the renowned Shores of Panama Resort. Offering spectacular panoramic views of the emerald-green waters of the Gulf of Mexico, endless coastline, and the resort's stunning lagoon-style pool, this exceptional residence captures the very essence of luxury coastal living. Beautifully appointed and offered fully furnished, this turnkey 2-bedroom, 3-bath condominium is ready to be enjoyed from day one. Floor-to-ceiling views create a breathtaking backdrop throughout the main living areas, while the expansive private balcony provides the perfect setting to enjoy morning coffee above the shoreline, watch dolphins play in the surf, or unwind as the sun melts into the horizon. Recently renovated bathrooms add a fresh and sophisticated touch, while the thoughtfully designed floor plan offers both comfort and functionality. In addition to the spacious bedrooms, the residence includes a versatile bunk alcove conveniently located adjacent to the half bath, providing additional flexibility for hosting family and guests. Every detail needed for immediate enjoyment is already in place, with furniture, appliances, décor, and household contents conveying with the sale. Whether seeking a personal beachfront sanctuary, a luxury vacation retreat, or a rental-ready investment opportunity, this residence is positioned to deliver an exceptional ownership experience. Included with the property is reserved covered parkin space 8th floor, 1903, within the resort's private parking garage, providing convenience and peace of mind. Shores of Panama remains one of Panama City Beach's most sought-after beachfront destinations, celebrated for its direct beach access, breathtaking tropical lagoon-style pool, indoor pool, hot tubs, fitness center, and impressive resort-style amenities. Ongoing community improvements and enhancements continue to elevate the property's appeal and long-term value. Rarely does an opportunity arise to own a residence that combines such captivating Gulf views, resort luxury, turnkey convenience, and an unbeatable beachfront location. From the moment you step inside, you'll understand why Shores of Panama continues to be one of the most desirable addresses on the Emerald Coast. Buyer to verify all measurements, dimensions, square footage, and any information deemed important.
#791382

Panama City Beach

9900 S Thomas Drive 1903

2 Beds

2 Baths

1,131 Sq.Ft.

$604,000

MLS#: 791382

Enjoy resort living at Emerald Grande at HarborWalk Village in this 4th-floor 2BR + bunk condo overlooking the pool with beautiful views of Destin Harbor and the East Pass leading to the Gulf. The open floor plan includes a spacious living area, private balcony, primary suite with water views, guest bedroom, and bunk area ideal for additional guests; perfect as a vacation getaway or income-producing rental. Emerald Grande offers resort amenities including multiple pools, spa, fitness center, dining, shopping, and water taxi access to the beach, all located in the heart of HarborWalk Village with restaurants, nightlife, boating, and the famous Crab Island just minutes away. Strong rental potential in one of Destin's most recognizable waterfront resorts.
#997750

Destin

10 Harbor Boulevard W422

3 Beds

2 Baths

1,254 Sq.Ft.

$600,000

MLS#: 997750

Wake up to breathtaking Gulf views from this beautifully updated 2-bedroom, 2-bath beachfront end-unit condo at The Palms on Okaloosa Island. Located on the second floor of this low-density, 23-unit building with elevator access, this light-filled end unit offers stunning views of the emerald waters and sugar-white beaches from nearly every window. The Palms completed a $2M+ exterior renovation in 2022, including new steel I-beams, balconies and railings, high-impact sliding glass doors and windows, fresh exterior finishes, and a new boardwalk with a security gate. Inside, you'll find approximately 1,100 square feet featuring luxury laminate flooring, granite countertops, resurfaced ceilings, fresh paint, updated ceiling fans, a new HVAC (2022), newer water heater, and durable HDPE rot- and rust-resistant balcony furniture. Relax on your private balcony while watching dolphins play in the Gulf. Being sold fully furnished, this turnkey condo is an outstanding investment opportunity with a strong established short-term rental history and an exceptional 2026 booking calendar already in place. Additional features include an in-unit washer and dryer and a reserved covered parking space. Conveniently located on Okaloosa Island, just minutes from Destin's shopping, dining, entertainment, and attractions, this exceptional beachfront condo is ideal as a primary residence, vacation home, or income-producing investment.
#1007160

Fort Walton Beach

670 Nautilus Court 205

2 Beds

2 Baths

1,100 Sq.Ft.

$599,000

MLS#: 1007160

PRICED BELOW THE BUILDERS COST....WITH SOOOOOO MANY UPGRADES!!! MOTIVATED SELLER!!!!!!! Welcome to this STUNNING, thoughtfully designed, BETTER THAN NEW home in one of Panama City's most sought-after communities. This beautifully UPGRADED residence combines modern luxury with everyday functionality. It has FABULOUS tile flooring, enhanced lighting fixtures, designer ceiling fans throughout, upgraded front porch lighting, custom blinds, and a spacious screened-in porch perfect for enjoying Florida's year-round outdoor living. The kitchen and living areas are designed for both entertaining and daily comfort. Upgrades add tremendous value, including; farmhouse sink, a whole-home water softener and filtration system, FULL GUTTERS surrounding the home, and storage racks in the garage. AND with and acceptable offer........THE FURNITURE CAN COME WITH IT.....A 14K COUCH!!!!!!!!!!!!!!!!!! Lake Merial is known for its breathtaking 300-acre spring-fed lake, ideal for kayaking, paddleboarding, and fishing, along with scenic walking trails, green spaces, and a vibrant calendar of community events. From festive holiday celebrations to food truck nights and golf cart-friendly streets, this neighborhood offers a lifestyle that is both relaxed and engaging!! Call your favorite Realtor to see this one, it is PERFECT!! All measurements to be verified by the buyer.
#791301

Panama City

207 Lake Merial Boulevard

4 Beds

3 Baths

3,064 Sq.Ft.

$545,000

MLS#: 791301

This beautifully updated beach home is the perfect getaway or investment property, located just a short distance from the sugar sand beaches, dining, and entertainment. Bright, open living room with soaring ceilings and a cozy fireplace. The recently remodeled kitchen features stainless steel appliances, butcher block, perfect for cooking and entertaining. The main floor offers laminate flooring, a spacious master suite, and a second full bathroom. Upstairs you'll find durable vinyl plank flooring, a full-sized bedroom, and a versatile open loft - ideal as a home office, reading nook, or bunk space for extra guests. Additional features include: * 2-car garage with poly-treated flooring * Large, level fenced backyard - perfect for kids, pets, and to add a pool * Sprinkler system * Fresh exterior paint (2021) * Termite bond * AC mini split * Newer paid-off **solar panels** for low energy bills * Just 3 blocks to the public boat launch on Dolphin Drive * Easy golf cart ride to **Schooners** and **St. Andrews State Park** Short term rental approved! Everything you need for a relaxing beach lifestyle or a top-performing rental is right here!
#789446

Panama City Beach

5923 Sunset Avenue

3 Beds

2 Baths

1,443 Sq.Ft.

$515,000

MLS#: 789446

Buyers resources
7 Reasons to Work with a Realtor
7 Principles For Home Buying Success
Getting a Mortgage To Buy a Home
Home Hazards Awareness
Key Items For Home Inspection
Questions When Buying a Condo
Questions When Choosing a Realtor
Sellers resources
8 Reasons to Work with a Realtor
Calculating Capital Gains
Checklist for Better Showing
Cleaning Home For Sale
Improving Odds Of an Offer
Preparing Home for photoshoot
Selling Your Home for More $$
- property

Send a message

Message successfully sent.

Your message

What is 3 + 4 ?

Reason for contacting?

I agree to receive email communication and understand I can unsubscribe at any time.

I agree to be contacted by Gulf Life Real Estate via call, email, and text for real estate services. To opt out, you can reply 'stop' at any time or reply 'help' for assistance. You can also click the unsubscribe link in the emails. Message and data rates may apply. Message frequency may vary. Privacy Policy

Sign Out

Virtual Assistant

Would you like to take the next step with this property? We can help you schedule a showing or virtual tour, or send you more details.

Yes, I would like more information.

Thank You for Your Reply, One of Our Agents will contact you as soon as possible

No, maybe later.

Thank you, you can always contact me via email, phone number or through the contact form.

Realhub AI

Lucy - Your AI-Powered Realtor

Update Your Temporary Password

Personalize your search

Enter your email and we'll notify you immediately when new listings match what you're looking for.

or enter email address

Already have an account ? Login here

Continue your home search

I agree to receive communications and understand I can unsubscribe at any time.

I agree to be contacted by Gulf Life Real Estate via call, email, and text for real estate services. To opt out, you can reply 'stop' at any time or reply 'help' for assistance. You can also click the unsubscribe link in the emails. Message and data rates may apply. Message frequency may vary. Privacy Policy

Already have an account ? Login here

We use cookies

We use cookies primarily for analytics to enhance your experience. By accepting, you agree to our use of these cookies. You can manage your preferences or learn more about our cookies policy.

Privacy Policy Terms of Service