Located at 3625 Frankford Ave in Panama City, FL, this single-floor, 3-bedroom, 2-bathroom home offers a thoughtfully designed open-concept layout. Light wood-tone flooring runs throughout, unifying the living, kitchen, and dining areas in a bright, cohesive aesthetic. The kitchen is well-appointed with white shaker cabinetry, granite countertops, a subway tile backsplash, stainless steel appliances including a refrigerator, range, and microwave, plus a central island with a built-in sink and pendant lighting overhead. The open layout flows seamlessly into the living room, which features a ceiling fan, large windows allowing generous natural light, and views of surrounding greenery. The primary bedroom is a comfortable retreat with warm lighting and a dedicated closet featuring built-in wire shelving. Two full bathrooms carry consistent finishes with granite-topped white vanities, large mirrors, and tub-shower combinations. A clean, well-lit hallway connects the private bedrooms and bathrooms. Two closets provide practical storage throughout. The overall ambiance is modern and airy, with a neutral white palette and natural wood tones creating a welcoming, move-in-ready atmosphere suited for everyday living.
Exchange at North Bay
3625 Frankford Ave,
Panama City,
FL
32405
Leasing Office:
3625 Frankford Ave, Panama City, FL 32405
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Monthly Rent
$1,200 - $1,909
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Bedrooms
1 - 3 bd
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Bathrooms
1 - 2 ba
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Square Feet
598 - 1,288 sq ft
Welcome to Exchange at North Bay! Experience the epitome of apartment living in the heart of Panama City, conveniently situated at 3625 Frankfort Road, Panama City, Florida 32405. Immerse yourself in a world of premier shopping, dining, and access to top-rated schools—all within moments of your doorstep. Exchange at North Bay Apartments stands out in the crowd by redefining luxury living. We seamlessly blend sophistication, comfort, and convenience, offering a unique living experience. Our brand-new luxury apartments, nestled in Panama City, are just minutes away from local beaches and Tyndall Air Force Base. Your dream home, with its unique blend of luxury and convenience, awaits!
Highlights
- Pool
- Walk-In Closets
- Pet Play Area
- Island Kitchen
- Picnic Area
- Grill
- Balcony
- Property Manager on Site
- Views
Pricing & Floor Plans
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Unit 12310price $1,200square feet 598availibility Now
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Unit 2208price $1,225square feet 598availibility Now
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Unit 2101price $1,240square feet 598availibility Now
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Unit 10107price $1,335square feet 737availibility Now
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Unit 10207price $1,285square feet 737availibility Sep 4
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Unit 10202price $1,285square feet 598availibility Sep 12
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Unit 2202price $1,520square feet 974availibility Now
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Unit 12305price $1,530square feet 974availibility Now
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Unit 2304price $1,565square feet 974availibility Now
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Unit 11201price $1,595square feet 1,053availibility Now
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Unit 11203price $1,595square feet 1,053availibility Now
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Unit 9308price $1,605square feet 1,053availibility Now
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Unit 6206price $1,824square feet 1,288availibility Now
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Unit 6308price $1,909square feet 1,288availibility Now
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Unit 12310price $1,200square feet 598availibility Now
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Unit 2208price $1,225square feet 598availibility Now
-
Unit 2101price $1,240square feet 598availibility Now
-
Unit 10107price $1,335square feet 737availibility Now
-
Unit 10207price $1,285square feet 737availibility Sep 4
-
Unit 10202price $1,285square feet 598availibility Sep 12
-
Unit 2202price $1,520square feet 974availibility Now
-
Unit 12305price $1,530square feet 974availibility Now
-
Unit 2304price $1,565square feet 974availibility Now
-
Unit 11201price $1,595square feet 1,053availibility Now
-
Unit 11203price $1,595square feet 1,053availibility Now
-
Unit 9308price $1,605square feet 1,053availibility Now
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Unit 6206price $1,824square feet 1,288availibility Now
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Unit 6308price $1,909square feet 1,288availibility Now
Fees and Policies
The fees listed below are community-provided and may exclude utilities or add-ons. All payments are made directly to the property and are non-refundable unless otherwise specified. Use the Cost Calculator to determine costs based on your needs.
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One-Time Basics
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Due at Application
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Application Fee Per ApplicantCharged per applicant.$75
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Due at Move-In
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Administrative FeeCharged per unit.$225
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Security Deposit - Non-RefundableDepending on Approval Security Deposits can range from $300-$1500. Charged per unit.$300
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Due at Application
Property Fee Disclaimer: Based on community-supplied data and independent market research. Subject to change without notice. May exclude fees for mandatory or optional services and usage-based utilities.
Details
Lease Options
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9 - 18 Month Leases
Property Information
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Built in 2022
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256 units/3 stories
Matterport 3D Tours
About Exchange at North Bay
Welcome to Exchange at North Bay! Experience the epitome of apartment living in the heart of Panama City, conveniently situated at 3625 Frankfort Road, Panama City, Florida 32405. Immerse yourself in a world of premier shopping, dining, and access to top-rated schools—all within moments of your doorstep. Exchange at North Bay Apartments stands out in the crowd by redefining luxury living. We seamlessly blend sophistication, comfort, and convenience, offering a unique living experience. Our brand-new luxury apartments, nestled in Panama City, are just minutes away from local beaches and Tyndall Air Force Base. Your dream home, with its unique blend of luxury and convenience, awaits!
Exchange at North Bay is an apartment community located in Bay County and the 32405 ZIP Code. This area is served by the Bay attendance zone.
Contact
Self-Guided Tours Available
This community supports self-guided tours that offer prospective residents the ability to enter, tour, and exit the property without staff assistance. Contact the property for more details.
Community Amenities
Pool
Fitness Center
Clubhouse
Grill
- Package Service
- Property Manager on Site
- 24 Hour Access
- Trash Pickup - Door to Door
- Online Services
- Pet Play Area
- EV Charging
- Public Transportation
- Clubhouse
- Storage Space
- Fitness Center
- Pool
- Grill
- Picnic Area
Apartment Features
Washer/Dryer
Dishwasher
Walk-In Closets
Island Kitchen
- Washer/Dryer
- Ceiling Fans
- Double Vanities
- Tub/Shower
- Dishwasher
- Disposal
- Granite Countertops
- Stainless Steel Appliances
- Island Kitchen
- Kitchen
- Microwave
- Oven
- Range
- Refrigerator
- Sunroom
- Views
- Walk-In Closets
- Balcony
- Patio
Located along Florida's Emerald Coast, Panama City combines coastal living with Southern hospitality. The rental market offers various options, with one-bedroom apartments averaging $1,215 per month, while three-bedroom homes average $1,879. Recent trends show some softening in rental rates, with one-bedroom units experiencing a 4.5% decrease year-over-year. Notable areas include historic St. Andrews, featuring a waterfront district and weekly farmers' market, and the downtown area with its expanding arts scene and local shops. The presence of Florida State University Panama City and Gulf Coast State College adds to the city's educational landscape.
Panama City's location on St. Andrews Bay provides year-round opportunities for water recreation and outdoor activities. The city spans 36 square miles, featuring public parks, marinas, and green spaces throughout the community. Tyndall Air Force Base, a significant presence in the area, is undergoing a $5.3 billion renovation project.
Learn more about living in Panama CityCompare neighborhood and city base rent averages by bedroom.
| Pretty Bayou | Panama City, FL | |
|---|---|---|
| Studio | - | $835 |
| 1 Bedroom | $1,280 | $1,214 |
| 2 Bedrooms | $1,578 | $1,490 |
| 3 Bedrooms | $1,783 | $1,835 |
- Package Service
- Property Manager on Site
- 24 Hour Access
- Trash Pickup - Door to Door
- Online Services
- Pet Play Area
- EV Charging
- Public Transportation
- Clubhouse
- Storage Space
- Grill
- Picnic Area
- Fitness Center
- Pool
- Washer/Dryer
- Ceiling Fans
- Double Vanities
- Tub/Shower
- Dishwasher
- Disposal
- Granite Countertops
- Stainless Steel Appliances
- Island Kitchen
- Kitchen
- Microwave
- Oven
- Range
- Refrigerator
- Sunroom
- Views
- Walk-In Closets
- Balcony
- Patio
| Monday | 9am - 6pm |
|---|---|
| Tuesday | 9am - 6pm |
| Wednesday | 9am - 6pm |
| Thursday | 9am - 6pm |
| Friday | 9am - 6pm |
| Saturday | 10am - 5pm |
| Sunday | 1pm - 5pm |
| Colleges & Universities | Distance | ||
|---|---|---|---|
| Colleges & Universities | Distance | ||
| Drive: | 8 min | 3.7 mi | |
| Drive: | 24 min | 11.5 mi |
The GreatSchools Rating helps parents compare schools within a state based on a variety of school quality indicators and provides a helpful picture of how effectively each school serves all of its students. Ratings are on a scale of 1 (below average) to 10 (above average) and can include test scores, college readiness, academic progress, advanced courses, equity, discipline and attendance data. We also advise parents to visit schools, consider other information on school performance and programs, and consider family needs as part of the school selection process.
View GreatSchools Rating Methodology
Data provided by GreatSchools.org © 2026. All rights reserved.
Scores provided by
What do Walkability, Transit, Drivability, and Bikeability mean?
Walkability measures the walking distance to day-to-day needs.
Transit measures access to public transportation.
Drivability measures congestion, parking availability, and access to major roads.
Bikeability measures the suitability for cycling.
How It Works
Traffic
BusyAirport
CalmBusinesses
CalmScores provided by
HowLoud What is a Sound Score Rating? A Sound Score Rating aggregates noise caused by vehicle traffic, airplane traffic and local sources. How It WorksExchange at North Bay Photos
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Exchange at North Bay
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2BR, 2BA - 974SF
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Exchange at North Bay - Lobby
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Exchange at North Bay - Lobby
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Exchange at North Bay - Fitness Center
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Exchange at North Bay - Pool
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Exchange at North Bay - Pool
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Exchange at North Bay - Leasing Office and Signage
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Exchange at North Bay - Primary Building View
Models
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1 BED / 1 BATH / 598 SQ FT A-1
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1 Bedroom
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1 BED / 1 BATH / 737 SQ FT A-2
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1 Bedroom
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2 BED / 2 BATH / 974 SQ FT B-1
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2 Bedrooms
Nearby Apartments
Within 50 Miles of Exchange at North Bay
Exchange at North Bay has units with in‑unit washers and dryers, making laundry day simple for residents.
Utilities are not included in rent. Residents should plan to set up and pay for all services separately.
Contact this property for parking details.
Exchange at North Bay has one to three-bedrooms with rent ranges from $1,200/mo. to $1,909/mo.
Exchange at North Bay does not allow pets, though service animals are always welcome in accordance with applicable laws.
A good rule of thumb is to spend no more than 30% of your gross income on rent. Based on the lowest available rent of $1,200 for a one-bedroom, you would need to earn about $48,000 per year to qualify. Want to double-check your budget? Calculate how much rent you can afford with our Rent Affordability Calculator.
Exchange at North Bay is not currently offering any rent specials. Check back soon, as promotions change frequently.
Yes! Exchange at North Bay offers 3 Matterport 3D Tours. Explore different floor plans and see unit level details, all without leaving home.
3625 Frankford Ave
Panama City, FL 32405
Property Manager Responded