Live the Gulf Life on Florida’s Emerald Coast
Agent Debra McAllister

Debra McAllister

REALTOR®

(503) 314-9885

Debra@GulfLifeGo.com

Personal website

About Debra McAllister

Meet Debra McAllister – Your Trusted Panama City Realtor

Welcome to Debra.GulfLifeGo.com, where real estate expertise meets personal attention in Panama City, Florida. I’m Debra McAllister, and I’m committed to providing every client with responsive service, meticulous attention to detail, and a dedicated, hands-on approach to real estate.

As an experienced Realtor and proud Air Force spouse, I bring unique insight and personal experience to every transaction. Whether you’re searching for your perfect homestead, looking to invest in property flips, planning a remodel, or scouting land for development or country living, I understand the local market—and your specific needs.

Why Choose Me as Your Panama City Realtor?

  • Personal Attention: You’ll never be just another transaction. I take the time to truly understand your goals and guide you every step of the way.
  • Detail-Oriented: From negotiations to paperwork and property evaluations, my focus on details ensures smooth, successful closings.
  • Responsive: Your questions will always be answered promptly, and I’m available when you need me most.
  • Real Experience: I’ve partnered with investors, overseen property flips and remodels, and helped clients realize their dreams of country living and land ownership.

Whether you’re buying, selling, or investing, my mission is to make your experience stress-free and rewarding. Visit debra.gulflifego.com to explore listings, learn more about Panama City real estate, and discover how I can help you achieve your property goals.

Ready to move forward? Contact me today and get the personal attention and expert guidance you deserve! 

Featured Listings

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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

Welcome to 180 Betty Street, a newly completed coastal home located in the Gulfview Heights community of Santa Rosa Beach. Positioned south of 30A, within a breezy stroll to public beach access and nearby dining, this three-story residence offers a well-balanced combination of coastal design, functional layout, and modern finishes. The home features 6 bedrooms and 6.5 bathrooms across approximately 4,444 square feet of heated and cooled living space, along with 1,230 square feet of covered balcony areas. A crow's nest lookout provides elevated Gulf views, adding a distinctive feature to the property. Outdoor amenities include a heated saltwater pool and a fully fenced backyard, providing a private outdoor setting suitable for everyday use and gatherings. Interior finishes include pecky cypress ceilings, custom trim details, wide-plank LVP flooring, and paneled accent walls. A built-in bunk area adds flexible sleeping capacity, while custom closets and ample storage contribute to everyday functionality. The kitchen is equipped with a full GE Café appliance package, including a cooktop, oven, refrigerator/freezer, microwave, vent hood, dishwasher, and ice maker. The primary suite includes private balcony access and a bathroom with a soaking tub and full-height tiled shower. Construction details include Hardie siding, pressure-treated framing, and a metal roof designed for coastal conditions. Additional features include impact-rated windows, tankless water heaters, three high-efficiency HVAC systems, an irrigation system, and an automatic garage door. The property is offered partially furnished and is ready for immediate occupancy. Rental projections are included in the property documents. Please inquire for details and figures. This home presents a flexible opportunity for use as a primary residence, second home, or vacation rental property.
#1000380

Santa Rosa Beach

180 Betty Street

6 Beds

6 Baths

4,444 Sq.Ft.

$3,590,000

MLS#: 1000380

Prime Commercial Opportunity in Panama City Beach - Location, Visibility, and High Traffic - All in One Package This high-visibility commercial property perfectly situated in the heart of Panama City Beach, less than 1/4 mile from the shoreline and nestled in one of the area's busiest retail corridors. This strategic location offers unmatched exposure with steady year-round vehicle and pedestrian traffic, driven by a mix of tourists, beachgoers, and locals. Whether you're launching a retail storefront, restaurant, service business, or professional office, this site delivers the ideal environment to attract and retain customers. Key Features: Premier Location: Just 1 block from the beach, with easy access to major roads and public parking High-Traffic Visibility: Surrounded by well-known hotels, restaurants, and popular beach attractions Flexible Zoning: Accommodates a range of commercial uses Well-Established Area: Located in a thriving commercial district frequented by tourists and locals alike Excellent Signage Potential: Maximize brand exposure to foot and drive-by traffic. Don't miss this opportunity to do business at the beach!
#776565

Panama City Beach

515 Evergreen Street

None Beds

None Baths

5,915 Sq.Ft.

$1,200,000

MLS#: 776565

BIG PRICE IMPROVEMENT!Welcome to Paradise Cove -- This immaculate 4-bedroom, 4.5-bath home is thoughtfully designed with the primary suite conveniently located on the main level, featuring a spa-like en-suite and custom-built closet. Upstairs, you'll find three spacious bedrooms, each with its own private en-suite, offering the perfect blend of privacy and functionality. Built with durability and elegance in mind, the home is equipped with impact windows & 2x6 exterior walls, 10-foot ceilings, crown molding, and extra-wide baseboards and trim throughout, an electric fireplace, an epoxied 2-car garage and a fully fenced backyard. Meticulously maintained and truly move-in ready, this home must be seen in person to be fully appreciated. Ideally situated just 30 minutes to Destin, 20 minutes to Panama City Beach. Whether you're searching for a full-time residence, second home, or coastal getaway, this home offers the lifestyle people dream about peaceful, upscale, and close to everything that makes beach living unforgettable. This is more than a home. It's your place in paradise. under 10 minutes to 30A, and only 5 minutes to Seacrest Beach--this is coastal living at its finest.
#999000

Santa Rosa Beach

270 Blakely Drew Boulevard

4 Beds

4 Baths

2,393 Sq.Ft.

$734,900

MLS#: 999000

Welcome to Paradise Cove where comfort, quality, and location come together seamlessly. This immaculate 4-bedroom, 4.5-bath home is thoughtfully designed with the primary suite conveniently located on the main level, featuring a spa-like en-suite and custom-built closet. Upstairs, you'll find three spacious bedrooms, each with its own private en-suite, offering the perfect blend of privacy and functionality. Built with durability and elegance in mind, the home boasts impact windows, 2x6 exterior walls, 10-foot ceilings, crown molding, extra-wide baseboards and trim throughout, an electric fireplace, beautifully epoxied floors in the 2-car garage, a fully fenced backyard, and so much more!! Meticulously maintained and truly move-in ready, this home must be seen in person to be fully appreciated. Ideally situated just 30 minutes to Destin, 20 minutes to Panama City Beach, under 10 minutes to 30A, and only 5 minutes to Seacrest Beach- Whether you're searching for a full-time residence, second home, or coastal getaway, this home offers the lifestyle people dream about peaceful, upscale, and close to everything that makes beach living unforgettable. This is more than a home... It's your place in paradise.
#787430

Santa Rosa Beach

270 Blakely Drew Boulevard

4 Beds

4 Baths

2,393 Sq.Ft.

$734,900

MLS#: 787430

Build Your Dream Beach Retreat in Laguna Beach! Don't miss this incredible opportunity to own a prime 50x150 residential lot in the highly desirable Laguna Beach community of Panama City Beach! Located just 4 minutes from the sugar-white sands and emerald waters of the Gulf, this property offers the perfect setting to build the beach home you've always dreamed of. Nestled in a golf cart-friendly neighborhood, you'll enjoy easy access to the beach, local restaurants, shopping, and all the coastal charm that makes Laguna Beach one of PCB's most sought-after areas. Whether you're looking to build a primary residence, vacation getaway, or investment property, the possibilities are endless. Imagine morning beach walks, sunset golf cart rides, and living the laid-back coastal lifestyle you've been searching for. Lots in this location are becoming increasingly hard to find, making this an opportunity you won't want to let slip away. Seller is offering a recent survey, providing added value and helping make your building process even easier. Prime Location 50x150 Lot Golf Cart Friendly Community Just Minutes to the Beach Build Your Custom Dream Home Survey Available from Seller This is your chance to secure a piece of paradise in one of Panama City Beach's most desirable beach communities. Don't wait--start building your coastal dream today!
#789299

Panama City Beach

122 Benicia Place

None Beds

None Baths

0.17 acres

$724,000

MLS#: 789299

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.
#786030

Panama City Beach

1826A Anne Avenue

None Beds

None Baths

1.41 acres

$700,000

MLS#: 786030

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

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. It is tiled through out, and 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 including dining table , sofa and loveseat ,two end table. New water heater.
#788756

Panama City Beach

10517 Front Beach Road 1107

2 Beds

2 Baths

1,304 Sq.Ft.

$629,000

MLS#: 788756

New on site 2 days ago
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.

$620,000

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

New on site 4 days ago
Welcome to this STUNNING, thoughtfully designed, ALMOST 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 gutter system surrounding the home, and storage racks in the garage. Added bonus, golf cart is included with an acceptable offer, and the furniture is negotiable. 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.

$599,000

MLS#: 791301

New on site 1 day ago
Investor opportunity in desirable Hammock Bay! Situated on one of the larger lots in the neighborhood, 41 Haven Way offers generous space, a flexible floor plan, and strong upside potential for the right buyer. This Barrington plan features a formal dining room, oversized kitchen with granite countertops, two living areas, an upstairs loft, and a second-story balcony. The converted garage provides additional living space and could potentially be returned to garage use depending on buyer needs. This property needs work and is ideal for investors, renovators, or flippers looking to add value in a sought-after Freeport community. Hammock Bay amenities include pools, tennis courts, parks, fitness facilities, clubhouse, and more. Bring your vision and make this one shine!
#1005569

Freeport

41 Haven Way

4 Beds

3 Baths

2,907 Sq.Ft.

$530,000

MLS#: 1005569

Buyers resources
7 Reasons to Work with a Realtor
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Sellers resources
8 reasons to work with a realtor
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Checklist for Better Showing
Cleaning Home For Sale
Improving Odds Of an Offer
Preparing Home for photoshoot
Selling Your Home for More $$
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