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Boats for Sale and Marine Inventory in Panama City, FL

5 of the 22 boat dealers we list in Panama City have boats for sale in stock.

This directory lists marine dealerships and certified boat brokers offering new and pre-owned vessels for purchase. Listed facilities maintain physical inventory on site, ranging from aluminum fishing craft to pontoon and center console boats. Before visiting, verify whether the dealer provides structured sea trials, transparent prep fees, or direct marine financing options.

  1. Cracker Bay Thundercats

    112 Boca Lagoon Dr, Panama City, FL 32408-5120

    New boatsUsed boatsParts
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  2. Emerald Coast boating

    4009 Thomas Dr, Panama City, FL 32408-7305

    Mon 8:30am-5:30pm, Tue 8:30am-5:30pm, Wed 8:30am-5:30pm, Thu 8:30am-5:30pm, Fri 8:30am-5:30pm, Sat 8:30am-5pm

    New boatsUsed boatsService deptPartsFinancingStorage
    Call Website Directions

  3. Legendary Marine

    4009 Thomas Dr, Panama City, FL 32408

    Mon 8:30am-5:30pm, Tue 8:30am-5:30pm, Wed 8:30am-5:30pm, Thu 8:30am-5:30pm, Fri 8:30am-5:30pm, Sat 8:30am-5pm

    New boatsUsed boatsService deptPartsFinancingStorage
    Call Website Directions

  4. Legendary Marine Used Boat Super Center

    3829 Thomas Dr, Panama City, FL 32408-7317

    Mon 8:30am-5:30pm, Tue 8:30am-5:30pm, Wed 8:30am-5:30pm, Thu 8:30am-5:30pm, Fri 8:30am-5:30pm, Sat 8:30am-5pm

    Used boatsService deptPartsFinancingStorage
    Call Website Directions

  5. MarineMax Panama City Beach

    3605 Thomas Dr, Panama City, FL 32408-7365

    Mon-Sat 9am-5pm

    New boatsUsed boatsService deptPartsFinancingStorage
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Verify title status before buying: Ensure pre-owned vessels have a clear title free of marine liens, as encumbered ownership transfers can delay state registration by 4 to 8 weeks.

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Good to know

What additional dealer fees should I expect when buying a boat?

Beyond the advertised sales price, buyers typically pay dealer prep fees ($500 to $1,500), manufacturer freight charges ($1,000 to $3,500 on new models), state registration fees ($100 to $500), and local sales tax (4% to 10%). Always request a written, itemized out-the-door price quote prior to signing.

What are the standard down payment and loan terms for boat financing?

Marine lenders generally require a 10% to 20% down payment for standard boat loans. Financing terms span from 10 to 20 years for loan amounts exceeding $25,000, with fixed interest rates typically between 6.5% and 10.5% for applicants with credit scores of 680 or higher.

Is a marine survey mandatory when purchasing a used boat?

While not legally required by states, marine lenders and insurance companies regularly require a professional marine survey for used vessels older than 5 to 10 years or priced above $25,000. Comprehensive surveys cost between $15 and $25 per foot of vessel length.