Panama City enjoys Saint Andrew Bay.  St. Andrews Bay is a bay located in Bay County in the panhandle of Florida. The county seat of Panama City is located on the bay, named for Saint Andrew. The Atlanta & St. Andrews Bay Railway, which ran from Panama City to Dothan, Alabama (and still exists as a smaller short line), was also named for the bay.

Our bait recommendations

Here's the baits that our Pros love for this lake.