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Contact This Property

Language: English

Open 8:30am - 5:30pm Today

View All Hours Office Hours Monday - Friday, 8:30am - 5:30pm Saturday, 10am - 5pm Sunday, Closed

Exchange at the Beach media gallery Unit
call 850-788-2487
Floor Plan View Body
Florida Bay County Panama City

Exchange at the Beach

2204 Thomas Dr, Panama City, FL 32408

Property Website
4.5 (9 reviews)

Property Rating

4.5
Great
Out of 5

4.5 Blended Score

See all 9 Renter Reviews

How Is This Rating Determined?

Every community on Apartments.com features a rating displayed on a 5-star scale. This rating includes average renter review scores and a building rating to determine an overall blended score for this property.

Building ratings are based on this community’s features, including the building design, construction, exterior spaces, and amenities. To learn more about the CoStar Building Rating System, refer to our official guidelines here.

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  • Monthly Rent

    $1,241 - $1,753

  • Bedrooms

    1 - 2 bd

  • Bathrooms

    1 - 2 ba

  • Square Feet

    672 - 1,255 sq ft

Exchange at the Beach
Property Management Company Logo
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Step off the beach and walk into your new home at Exchange at the Beach where our one and two bedrooms offer the height of luxury living in Panama City Beach, Florida. Our pet-friendly community seamlessly blends the contemporary amenities you need for a successful day with high-end perks you desire. Located in Upper Grand Lagoon, near Race City, be close to everything you need. Embrace next-level living in Panama City when you make your new home Exchange at the Beach.

Read More

Highlights

  • Porch
  • Pool
  • Walk-In Closets
  • Fireplace
  • Dog Park
  • Grill
  • Balcony
  • Property Manager on Site
  • Views

Pricing & Floor Plans

filter results by bedrooms
Cost Calculator: Estimate your monthly and one-time fees.
1 Bedroom 120% $1,241
1 Bed 1 Bath 672 Sq Ft $300 Deposit
3 Available units
Unit
Base Price
Sq Ft
Availability
Unit Details
  • Unit 3314
    price $1,241
    square feet 672
    availibility Now
  • Unit 3304
    price $1,241
    square feet 672
    availibility Now
  • Unit 3104
    price $1,241
    square feet 672
    availibility Now
1 Bedroom 120% $1,241
1 Bed 1 Bath 744 Sq Ft $300 Deposit
1 Available unit
Unit
Base Price
Sq Ft
Availability
Unit Details
  • Unit 3309
    price $1,241
    square feet 744
    availibility Now
1 Bedroom 120% $1,361
1 Bed 1 Bath 750 Sq Ft $300 Deposit
5 Available units
Unit
Base Price
Sq Ft
Availability
Unit Details
  • Unit 1306
    price $1,361
    square feet 750
    availibility Now
  • Unit 1407
    price $1,361
    square feet 750
    availibility Now
  • Unit 2318
    price $1,361
    square feet 750
    availibility Now
  • Unit 1404
    price $1,361
    square feet 750
    availibility Mar 5
  • Unit 2408
    price $1,361
    square feet 750
    availibility Apr 1

1 Bedroom $1,366 – $1,431
1 Bed 1 Bath 750 Sq Ft $300 Deposit
4 Available units
Unit
Base Price
Sq Ft
Availability
Unit Details
  • Unit 3316
    price $1,366
    square feet 750
    availibility Now
  • Unit 3105
    price $1,411
    square feet 750
    availibility Now
  • Unit 2423
    price $1,421
    square feet 750
    availibility Now
  • Unit 2107
    price $1,431
    square feet 750
    availibility Now

1 Bedroom 120% $1,411
1 Bed 1 Bath 870 Sq Ft $300 Deposit
1 Available unit
Unit
Base Price
Sq Ft
Availability
Unit Details
  • Unit 3318
    price $1,411
    square feet 870
    availibility Now
1 Bedroom $1,426
1 Bed 1 Bath 870 Sq Ft $300 Deposit
1 Available unit
Unit
Base Price
Sq Ft
Availability
Unit Details
  • Unit 3218
    price $1,426
    square feet 870
    availibility Now
1 Bedroom $1,286
1 Bed 1 Bath 672 Sq Ft $300 Deposit
1 Available unit
Unit
Base Price
Sq Ft
Availability
Unit Details
  • Unit 2311
    price $1,286
    square feet 672
    availibility Feb 2
1 Bedroom $1,326
1 Bed 1 Bath 802 Sq Ft $300 Deposit
1 Available unit
Unit
Base Price
Sq Ft
Availability
Unit Details
  • Unit 2119
    price $1,326
    square feet 802
    availibility Feb 14
1 Bedroom $1,301
1 Bed 1 Bath 744 Sq Ft $300 Deposit
1 Available unit
Unit
Base Price
Sq Ft
Availability
Unit Details
  • Unit 3409
    price $1,301
    square feet 744
    availibility Mar 25
2 Bedroom $1,718 – $1,753
2 Beds 2 Baths 1,177 Sq Ft $300 Deposit
6 Available units
Unit
Base Price
Sq Ft
Availability
Unit Details
  • Unit 3210
    price $1,718
    square feet 1,177
    availibility Now
  • Unit 2403
    price $1,753
    square feet 1,177
    availibility Jan 27
  • Unit 2301
    price $1,738
    square feet 1,177
    availibility Feb 12
  • Unit 2117
    price $1,753
    square feet 1,177
    availibility Feb 28
  • Unit 3222
    price $1,718
    square feet 1,177
    availibility Mar 2
  • Unit 1409
    price $1,723
    square feet 1,177
    availibility Apr 1

2 Bedroom 120% $1,678
2 Beds 2 Baths 1,177 Sq Ft $300 Deposit
2 Available units
Unit
Base Price
Sq Ft
Availability
Unit Details
  • Unit 3319
    price $1,678
    square feet 1,177
    availibility Jan 17
  • Unit 3219
    price $1,678
    square feet 1,177
    availibility Mar 24
1 Bedroom Call for Rent Not Available
1 Bed 1 Bath 819 Sq Ft
1 Bedroom Call for Rent Not Available
1 Bed 1 Bath 899 Sq Ft
1 Bedroom 120% Call for Rent Not Available
1 Bed 1 Bath 802 Sq Ft
1 Bedroom 120% Call for Rent Not Available
1 Bed 1 Bath 819 Sq Ft
1 Bedroom 120% Call for Rent Not Available
1 Bed 1 Bath 899 Sq Ft
2 Bedroom Call for Rent Not Available
2 Beds 2 Baths 1,255 Sq Ft
2 Bedroom 120% Call for Rent Not Available
2 Beds 2 Baths 1,255 Sq Ft
1 Bedroom 120% $1,241
1 Bed 1 Bath 672 Sq Ft $300 Deposit
3 Available units
Unit
Base Price
Sq Ft
Availability
Unit Details
  • Unit 3314
    price $1,241
    square feet 672
    availibility Now
  • Unit 3304
    price $1,241
    square feet 672
    availibility Now
  • Unit 3104
    price $1,241
    square feet 672
    availibility Now
1 Bedroom 120% $1,241
1 Bed 1 Bath 744 Sq Ft $300 Deposit
1 Available unit
Unit
Base Price
Sq Ft
Availability
Unit Details
  • Unit 3309
    price $1,241
    square feet 744
    availibility Now
1 Bedroom 120% $1,361
1 Bed 1 Bath 750 Sq Ft $300 Deposit
5 Available units
Unit
Base Price
Sq Ft
Availability
Unit Details
  • Unit 1306
    price $1,361
    square feet 750
    availibility Now
  • Unit 1407
    price $1,361
    square feet 750
    availibility Now
  • Unit 2318
    price $1,361
    square feet 750
    availibility Now
  • Unit 1404
    price $1,361
    square feet 750
    availibility Mar 5
  • Unit 2408
    price $1,361
    square feet 750
    availibility Apr 1

1 Bedroom $1,366 – $1,431
1 Bed 1 Bath 750 Sq Ft $300 Deposit
4 Available units
Unit
Base Price
Sq Ft
Availability
Unit Details
  • Unit 3316
    price $1,366
    square feet 750
    availibility Now
  • Unit 3105
    price $1,411
    square feet 750
    availibility Now
  • Unit 2423
    price $1,421
    square feet 750
    availibility Now
  • Unit 2107
    price $1,431
    square feet 750
    availibility Now

1 Bedroom 120% $1,411
1 Bed 1 Bath 870 Sq Ft $300 Deposit
1 Available unit
Unit
Base Price
Sq Ft
Availability
Unit Details
  • Unit 3318
    price $1,411
    square feet 870
    availibility Now
1 Bedroom $1,426
1 Bed 1 Bath 870 Sq Ft $300 Deposit
1 Available unit
Unit
Base Price
Sq Ft
Availability
Unit Details
  • Unit 3218
    price $1,426
    square feet 870
    availibility Now
1 Bedroom $1,286
1 Bed 1 Bath 672 Sq Ft $300 Deposit
1 Available unit
Unit
Base Price
Sq Ft
Availability
Unit Details
  • Unit 2311
    price $1,286
    square feet 672
    availibility Feb 2
1 Bedroom $1,326
1 Bed 1 Bath 802 Sq Ft $300 Deposit
1 Available unit
Unit
Base Price
Sq Ft
Availability
Unit Details
  • Unit 2119
    price $1,326
    square feet 802
    availibility Feb 14
1 Bedroom $1,301
1 Bed 1 Bath 744 Sq Ft $300 Deposit
1 Available unit
Unit
Base Price
Sq Ft
Availability
Unit Details
  • Unit 3409
    price $1,301
    square feet 744
    availibility Mar 25
1 Bedroom Call for Rent Not Available
1 Bed 1 Bath 819 Sq Ft
1 Bedroom Call for Rent Not Available
1 Bed 1 Bath 899 Sq Ft
1 Bedroom 120% Call for Rent Not Available
1 Bed 1 Bath 802 Sq Ft
1 Bedroom 120% Call for Rent Not Available
1 Bed 1 Bath 819 Sq Ft
1 Bedroom 120% Call for Rent Not Available
1 Bed 1 Bath 899 Sq Ft
2 Bedroom $1,718 – $1,753
2 Beds 2 Baths 1,177 Sq Ft $300 Deposit
6 Available units
Unit
Base Price
Sq Ft
Availability
Unit Details
  • Unit 3210
    price $1,718
    square feet 1,177
    availibility Now
  • Unit 2403
    price $1,753
    square feet 1,177
    availibility Jan 27
  • Unit 2301
    price $1,738
    square feet 1,177
    availibility Feb 12
  • Unit 2117
    price $1,753
    square feet 1,177
    availibility Feb 28
  • Unit 3222
    price $1,718
    square feet 1,177
    availibility Mar 2
  • Unit 1409
    price $1,723
    square feet 1,177
    availibility Apr 1

2 Bedroom 120% $1,678
2 Beds 2 Baths 1,177 Sq Ft $300 Deposit
2 Available units
Unit
Base Price
Sq Ft
Availability
Unit Details
  • Unit 3319
    price $1,678
    square feet 1,177
    availibility Jan 17
  • Unit 3219
    price $1,678
    square feet 1,177
    availibility Mar 24
2 Bedroom Call for Rent Not Available
2 Beds 2 Baths 1,255 Sq Ft
2 Bedroom 120% Call for Rent Not Available
2 Beds 2 Baths 1,255 Sq Ft
* Price shown is base rent. Excludes user-selected optional fees and variable or usage-based fees and required charges due at or prior to move-in or at move-out.View Fees and Policies for details. Price, availability, fees, and any applicable rent special are subject to change without notice.
* Square footage definitions vary. Displayed square footage is approximate.

Fees and Policies

The fees below are based on community-supplied data and may exclude additional fees and utilities. Use the Cost Calculator to add these fees to the base price.

  • One-Time Basics
    • Due at Application
      • Application Fee Per Applicant
        Charged per applicant.
        $100
    • Due at Move-In
      • Administrative Fee
        Charged per unit.
        $250
  • Dogs
    • Monthly Pet Fee
      Max of 1. Charged per pet.
      $25
    • One-Time Pet Fee
      Max of 1. Charged per pet.
      $350 - $350
    Restrictions:
    $350 Fee for 1 Pet, $500 Fee for 2 Pets | Please see leasing office for more information!
    Read More Read Less
    Comments
    Please see leasing office for more information!
    Read More Read Less
  • Cats
    • Monthly Pet Fee
      Max of 1. Charged per pet.
      $25
    • One-Time Pet Fee
      Max of 1. Charged per pet.
      $350 - $350
    Restrictions:
    $350 Fee for 1 Pet, $500 Fee for 2 Pets | Please see leasing office for more information!
    Read More Read Less
    Comments
    Please see leasing office for more information!
    Read More Read Less

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

  • 12 mo

Property Information

  • Built in 2022
  • 232 units/3 stories

Matterport 3D Tours

1 BR,1BA-750SF
1/4

About Exchange at the Beach

Step off the beach and walk into your new home at Exchange at the Beach where our one and two bedrooms offer the height of luxury living in Panama City Beach, Florida. Our pet-friendly community seamlessly blends the contemporary amenities you need for a successful day with high-end perks you desire. Located in Upper Grand Lagoon, near Race City, be close to everything you need. Embrace next-level living in Panama City when you make your new home Exchange at the Beach.

Exchange at the Beach is an apartment community located in Bay County and the 32408 ZIP Code. This area is served by the Bay attendance zone.

Unique Features

  • 1st Floor
  • 4th Floor
  • Games Area
  • Outdoor Fireplace
  • Air Hockey Table
  • Coffee Bar
  • Fitness On Demand
  • Poolside Audio Bluetooth
  • Onsite Dog Park
  • Outdoor BBQ & Grill Area
  • Poolside Veranda & TV
  • Waterfall Feature
  • Clubroom With Pool Table
  • Pet Friendly Living

Contact

View Property Website
Language: English
Open 8:30am - 5:30pm Today
  • Monday - Friday, 8:30am - 5:30pm
  • Saturday, 10am - 5pm
  • Sunday, Closed
Property Management Company Logo

Community Amenities

Pool

Fitness Center

Clubhouse

Business Center

  • Property Manager on Site
  • Business Center
  • Clubhouse
  • Multi Use Room
  • Fitness Center
  • Pool
  • Grill
  • Pond
  • Dog Park

Apartment Features

Washer/Dryer

Air Conditioning

Dishwasher

Walk-In Closets

Granite Countertops

Microwave

Refrigerator

Ice Maker

Indoor Features

  • Washer/Dryer
  • Air Conditioning
  • Heating
  • Ceiling Fans
  • Smoke Free
  • Fireplace

Kitchen Features & Appliances

  • Dishwasher
  • Ice Maker
  • Granite Countertops
  • Stainless Steel Appliances
  • Pantry
  • Kitchen
  • Microwave
  • Oven
  • Refrigerator

Model Details

  • Carpet
  • Vinyl Flooring
  • Family Room
  • Views
  • Walk-In Closets
  • Linen Closet
  • Balcony
  • Patio
  • Porch
Location Get Directions
Schools Restaurants Groceries Coffee Banks Shops Fitness
Amenities
  • Property Manager on Site
  • Business Center
  • Clubhouse
  • Multi Use Room
  • Grill
  • Pond
  • Dog Park
  • Fitness Center
  • Pool
  • 1st Floor
  • 4th Floor
  • Games Area
  • Outdoor Fireplace
  • Air Hockey Table
  • Coffee Bar
  • Fitness On Demand
  • Poolside Audio Bluetooth
  • Onsite Dog Park
  • Outdoor BBQ & Grill Area
  • Poolside Veranda & TV
  • Waterfall Feature
  • Clubroom With Pool Table
  • Pet Friendly Living
  • Washer/Dryer
  • Air Conditioning
  • Heating
  • Ceiling Fans
  • Smoke Free
  • Fireplace
  • Dishwasher
  • Ice Maker
  • Granite Countertops
  • Stainless Steel Appliances
  • Pantry
  • Kitchen
  • Microwave
  • Oven
  • Refrigerator
  • Carpet
  • Vinyl Flooring
  • Family Room
  • Views
  • Walk-In Closets
  • Linen Closet
  • Balcony
  • Patio
  • Porch
Expenses
Recurring
Cat Rent $25
Dog Rent $25
One-Time
Cat Fee $350
Dog Fee $350
Office Hours
Monday 8:30am - 5:30pm
Tuesday 8:30am - 5:30pm
Wednesday 8:30am - 5:30pm
Thursday 8:30am - 5:30pm
Friday 8:30am - 5:30pm
Saturday 10am - 5pm
Sunday Closed
850-788-2487
City - Panama City

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 City 
Education
Colleges & Universities Distance
Colleges & Universities Distance
Gulf Coast State, Panama City
Drive: 9 min 4.4 mi
Gulf Coast State, North Bay
Drive: 34 min 16.7 mi
Exchange at the Beach is within 9 minutes or 4.4 miles from Gulf Coast State, Panama City. It is also near Gulf Coast State, North Bay.
Schools
  • Public Schools
  • Private Schools
Patronis Elementary School
Public Elementary School
Grades K-5
648 Students
Attendance Zone
Surfside Middle School
Public Middle School
Grades 6-8
843 Students
Attendance Zone
J.R. Arnold High School
Public High School
Grades 9-12
1,617 Students
Attendance Zone
St. Bernadette Catholic School
Private Elementary School
Grades K-4
Nearby
Saint John Catholic School
Private Elementary & Middle School
Grades PK-8
125 Students
Nearby
Covenant Christian School
Private Elementary, Middle & High School
Grades PK-12
139 Students
Nearby
School data provided by 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.
Transportation

Exchange at the Beach is near Northwest Florida Beaches International, located 22.4 miles or 36 minutes away.

Airports Distance
Airports Distance
Northwest Florida Beaches International
Drive: 36 min 22.4 mi
Car-Dependent
9
Walk Score®
Out of 100
This area is considered a car-dependent area and most errands will require a car.
Minimal Transit
0
Transit Score®
Out of 100
Somewhat Bikeable
47
Bike Score®
Out of 100
You might be able to find places to ride your bike in this area, but you’ll most likely want your car for most errands.
-
-
Soundscore™
Out of 100

Traffic:

-

Airport:

-

Businesses:

-

Score provided by

Scores provided by  and

Score provided by

Points of Interest

Time and distance from Exchange at the Beach.

Shopping Centers Distance
Shopping Centers Distance
Magnolia Plaza
Walk: 13 min 0.7 mi
Coastal Palms Village
Drive: 3 min 1.3 mi
Beachwalk Center
Drive: 5 min 2.1 mi
Exchange at the Beach has 3 shopping centers within 2.1 miles, which is about a 5-minute drive. The miles and minutes will be for the farthest away property.
Parks and Recreation Distance
Parks and Recreation Distance
St. Andrews State Park
Drive: 8 min 3.5 mi
Science and Discovery Center of Northwest Florida
Drive: 15 min 8.6 mi
Exchange at the Beach has 2 parks within 8.6 miles, including St. Andrews State Park, and Science and Discovery Center of Northwest Florida.
Hospitals Distance
Hospitals Distance
Gulf Coast Regional Medical Center
Drive: 15 min 8.1 mi
Emerald Coast Behavioral Hospital
Drive: 16 min 9.0 mi
Ascension Sacred Heart Bay
Drive: 19 min 10.3 mi
Exchange at the Beach has 3 hospitals within 10.3 miles, the nearest is Gulf Coast Regional Medical Center which is 8.1 miles away and a 15 minute drive.
Military Bases Distance
Military Bases Distance
Naval Coastal Systems Center
Drive: 5 min 1.8 mi
Tyndall Air Force Base
Drive: 38 min 22.5 mi
Eglin Air Force Base De Funiak Spring
Drive: 136 min 76.1 mi
Exchange at the Beach has 3 military bases within 76.1 miles, the nearest is Naval Coastal Systems Center which is 1.8 miles away and a 5 minute drive.
 
 

Property Ratings at Exchange at the Beach

How Is This Rating Determined? How Is This Rating Determined? Every community on Apartments.com features a rating displayed on a 5-star scale. This rating includes average renter review scores and a building rating to determine an overall blended score for this property.

Building ratings are based on this community’s features, including the building design, construction, exterior spaces, and amenities. To learn more about the CoStar Building Rating System, refer to our official guidelines here.
4.5
Great
Out of 5

4.5 Blended Score

9 Renter Reviews

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Exchange at the Beach Photos

  • 1 BR,1BA-750SF

Models

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Nearby Apartments

Within 50 Miles of Exchange at the Beach

  • Sunnyside Apartments

    21101 Panama City Beach Pky

    Panama City Beach, FL 32413

    $1,319 - $2,098

    1-3 Br 13.0 mi

Frequently Asked Questions
Does Exchange at the Beach have in-unit laundry?

Exchange at the Beach has units with in‑unit washers and dryers, making laundry day simple for residents.

What utilities are included in rent at Exchange at the Beach?

Utilities are not included in rent. Residents should plan to set up and pay for all services separately.

Is parking available at Exchange at the Beach?

Contact this property for parking details.

Which floor plans are available, and what are the price ranges?

Exchange at the Beach has one to two-bedrooms with rent ranges from $1,241/mo. to $1,753/mo.

Is Exchange at the Beach pet-friendly?

Yes, Exchange at the Beach welcomes pets. Breed restrictions, weight limits, and additional fees may apply. View this property's pet policy.

How much income do I need to rent at Exchange at the Beach?

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 $1,241 for a one-bedroom, you would need to earn about $45,000 per year to qualify. Want to double-check your budget? Try our Rent Affordability Calculator to see how much rent fits your income and lifestyle.

Does Exchange at the Beach have move-in specials?

Exchange at the Beach is offering Discounts for eligible applicants, with rental rates starting at $1,241.

Does Exchange at the Beach offer Matterport 3D tours?

Yes! Exchange at the Beach offers 5 Matterport 3D Tours. Explore different floor plans and see unit level details, all without leaving home.

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2204 Thomas Dr

Panama City, FL 32408

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