Exchange at North Bay Apartments

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3625 Frankford Ave, Panama City, FL 32405
(850) 990-3734
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Exchange at North Bay in Panama City, FL - Building Photo - Lobby
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Exchange at North Bay in Panama City, FL - Building Photo - Interior Photo
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Exchange at North Bay in Panama City, FL - Building Photo - Building Photo
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Contact

Exchange at North Bay

3625 Frankford Ave
Panama City, FL 32405
(850) 990-3734
Exchange at North Bay in Panama City, FL - Building Photo
  • 1–3 Bedrooms
  • $1,264-$1,935Pricing
  • 598–1,288Square Feet

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 located in the Pretty Bayou Neighborhood and 32405 Zip code of Panama City, FL.

Property Contact Info

Ask About Our Move-In Specials

Floorplan Pricing and Availability

Exchange at North Bay offers 1 to 3 Bedroom apartments starting from $1,264 and having 598–1,288 sq ft. Here is the current pricing and availability:

  • 1 Bedroom

    Floorplan A-1

    From $1,289

    1 Bed, 1 Bath, 598 sq ft
    Available Now

    Model Gallery

    Floorplans

    Availability Details

    PriceAvailability DateUnitSq FtView Details
    $1,329Available Now1306598
    $1,329Available Now1308598
    $1,289Available Now1101598

    Model Amenities and Features

    Features

    • Balcony
    • Ceiling Fans
    • Double Vanities
    • Storage Space
    • Tub/Shower
    • Washer/Dryer
    • Windows

    Kitchen

    • Dishwasher
    • Disposal
    • Granite Countertops
    • Island Kitchen
    • Kitchen
    • Microwave
    • Oven
    • Range
    • Refrigerator
    • Stainless Steel Appliances

    Model Rent and Fees

    Model Price Range

    • $1,254 - $2,115

    Current Available Pricing

    • $1,289 - $1,329

    Unit 1306 Rent and Fees

    Unit Price

    • $1,329

    Model Rent and Fees

    Model Price Range

    • $1,254 - $2,115

    Unit 1308 Rent and Fees

    Unit Price

    • $1,329

    Model Rent and Fees

    Model Price Range

    • $1,254 - $2,115

    Unit 1101 Rent and Fees

    Unit Price

    • $1,289

    Model Rent and Fees

    Model Price Range

    • $1,254 - $2,115

    Floorplan A-2

    From $1,264

    1 Bed, 1 Bath, 737 sq ft
    Available Now

    Model Gallery

    Floorplans

    Availability Details

    PriceAvailability DateUnitSq FtView Details
    $1,314Available Now10107737
    $1,314Available Now9107737
    $1,264Available Now11107737

    Model Amenities and Features

    Features

    • Balcony
    • Ceiling Fans
    • Double Vanities
    • Storage Space
    • Tub/Shower
    • Washer/Dryer
    • Windows

    Kitchen

    • Dishwasher
    • Disposal
    • Granite Countertops
    • Island Kitchen
    • Kitchen
    • Microwave
    • Oven
    • Range
    • Refrigerator
    • Stainless Steel Appliances

    Model Rent and Fees

    Model Price Range

    • $1,264 - $2,022

    Current Available Pricing

    • $1,264 - $1,314

    Unit 10107 Rent and Fees

    Unit Price

    • $1,314

    Model Rent and Fees

    Model Price Range

    • $1,264 - $2,022

    Unit 9107 Rent and Fees

    Unit Price

    • $1,314

    Model Rent and Fees

    Model Price Range

    • $1,264 - $2,022

    Unit 11107 Rent and Fees

    Unit Price

    • $1,264

    Model Rent and Fees

    Model Price Range

    • $1,264 - $2,022

  • 2 Bedrooms

    Floorplan B-1

    From $1,433

    2 Beds, 2 Baths, 974 sq ft
    Available Now
    Cheapest 2 BedroomThis is the cheapest 2 Bedroom at this Property

    Model Gallery

    Floorplans

    Availability Details

    PriceAvailability DateUnitSq FtView Details
    $1,433Available Now1305974
    $1,433Available Now2302974
    $1,433Available Now3302974

    Model Amenities and Features

    Features

    • Balcony
    • Ceiling Fans
    • Double Vanities
    • Storage Space
    • Tub/Shower
    • Washer/Dryer
    • Windows

    Kitchen

    • Dishwasher
    • Disposal
    • Granite Countertops
    • Island Kitchen
    • Kitchen
    • Microwave
    • Oven
    • Range
    • Refrigerator
    • Stainless Steel Appliances

    Model Rent and Fees

    Model Price Range

    • $1,433 - $2,902

    Current Available Pricing

    • $1,433

    Unit 1305 Rent and Fees

    Unit Price

    • $1,433

    Model Rent and Fees

    Model Price Range

    • $1,433 - $2,902

    Unit 2302 Rent and Fees

    Unit Price

    • $1,433

    Model Rent and Fees

    Model Price Range

    • $1,433 - $2,902

    Unit 3302 Rent and Fees

    Unit Price

    • $1,433

    Model Rent and Fees

    Model Price Range

    • $1,433 - $2,902

    Floorplan B-2

    From $1,493

    2 Beds, 2 Baths, 1053 sq ft
    Available Now

    Model Gallery

    Floorplans

    Availability Details

    PriceAvailability DateUnitSq FtView Details
    $1,493Available Now112081053
    $1,493Available Now112031053
    $1,493Available Now92081053

    Model Amenities and Features

    Features

    • Balcony
    • Ceiling Fans
    • Double Vanities
    • Storage Space
    • Tub/Shower
    • Washer/Dryer
    • Windows

    Kitchen

    • Dishwasher
    • Disposal
    • Granite Countertops
    • Island Kitchen
    • Kitchen
    • Microwave
    • Oven
    • Range
    • Refrigerator
    • Stainless Steel Appliances

    Model Rent and Fees

    Model Price Range

    • $1,493 - $2,854

    Current Available Pricing

    • $1,493

    Unit 11208 Rent and Fees

    Unit Price

    • $1,493

    Model Rent and Fees

    Model Price Range

    • $1,493 - $2,854

    Unit 11203 Rent and Fees

    Unit Price

    • $1,493

    Model Rent and Fees

    Model Price Range

    • $1,493 - $2,854

    Unit 9208 Rent and Fees

    Unit Price

    • $1,493

    Model Rent and Fees

    Model Price Range

    • $1,493 - $2,854

    Floorplan B-5

    From $1,858

    2 Beds, 2 Baths, 1208 sq ft
    Available Mar 4
    Largest 2 BedroomThis is the largest 2 Bedroom at this Property

    Model Gallery

    Floorplans

    Availability Details

    PriceAvailability DateUnitSq Ft
    $1,858 March 4, 202672021208

    Model Amenities and Features

    Features

    • Balcony
    • Ceiling Fans
    • Double Vanities
    • Storage Space
    • Tub/Shower
    • Washer/Dryer
    • Windows

    Kitchen

    • Dishwasher
    • Disposal
    • Granite Countertops
    • Island Kitchen
    • Kitchen
    • Microwave
    • Oven
    • Range
    • Refrigerator
    • Stainless Steel Appliances

    Unit 7202 Rent and Fees

    Unit Price

    • $1,858

    Model Rent and Fees

    Model Price Range

    • $1,858 - $3,543

    B-1 Sunroom

    2 Beds, 2 Baths, 974 sq ft
     

    Model Gallery

    Floorplans

    Availability Details

    Availability DateUnitSq Ft
    Call for AvailabilityB-1 Sunroom974 sq ft

    Model Amenities and Features

    Features

    • Balcony
    • Ceiling Fans
    • Double Vanities
    • Storage Space
    • Tub/Shower
    • Washer/Dryer
    • Windows

    Kitchen

    • Dishwasher
    • Disposal
    • Granite Countertops
    • Island Kitchen
    • Kitchen
    • Microwave
    • Oven
    • Range
    • Refrigerator
    • Stainless Steel Appliances
    Show Unavailable Floorplans

  • 3 Bedrooms

    Floorplan C-1

    From $1,849

    3 Beds, 2 Baths, 1288 sq ft
    Available Now

    Model Gallery

    Floorplans

    Availability Details

    PriceAvailability DateUnitSq FtView Details
    $1,935Available Now62081288
    $1,849Available Now63031288
    $1,910Available Now61031288

    Model Amenities and Features

    Features

    • Balcony
    • Ceiling Fans
    • Double Vanities
    • Storage Space
    • Tub/Shower
    • Washer/Dryer
    • Windows

    Kitchen

    • Dishwasher
    • Disposal
    • Granite Countertops
    • Island Kitchen
    • Kitchen
    • Microwave
    • Oven
    • Range
    • Refrigerator
    • Stainless Steel Appliances

    Model Rent and Fees

    Model Price Range

    • $1,849 - $2,733

    Current Available Pricing

    • $1,849 - $1,935

    Unit 6208 Rent and Fees

    Unit Price

    • $1,935

    Model Rent and Fees

    Model Price Range

    • $1,849 - $2,733

    Unit 6303 Rent and Fees

    Unit Price

    • $1,849

    Model Rent and Fees

    Model Price Range

    • $1,849 - $2,733

    Unit 6103 Rent and Fees

    Unit Price

    • $1,910

    Model Rent and Fees

    Model Price Range

    • $1,849 - $2,733
Price shown is base rent and may not include non-optional fees and utilities. View Fees and Policies for details. Price, availability, fees, and any applicable rent special are subject to change without notice.

Schedule a Tour

Schedule a Tour
Call us at: (850) 990-3734 to schedule a tour.

3D Tours

2BR, 2BA - 974SF
Exchange At North Bay - Fitness Center
Exchange At North Bay - Clubhouse

Property Information

  • 256 Units
  • 3 Stories
  • Built in 2022

Lease Terms

  • 9 - 18 mo
Ask About Our Lease Terms

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.

Required Fees

One-Time Move-In Fees

Due at Move-In
Administrative FeeiCharged per unit$225
Security Deposit - Non-RefundableiDepending on Approval Security Deposits can range from $300-$1500. Charged per unit$300
Due at Application
Application Fee Per ApplicantiCharged per applicant$75

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.

Features and Amenities

On-Site Services

  • Package Service
  • Property Manager On Site
  • Trash Pickup Door To Door
  • Car Charging Station
  • Online Services
  • Pet Play Area
  • Public Transportation
  • 24 Hour Access

Community Features

  • Clubhouse

Outdoor Features

  • Grill
  • Picnic Area
  • Patio

Recreation and Fitness

  • Fitness Center
  • Pool

Interior Features

  • Balcony
  • Windows
  • Storage Space
  • Double Vanities
  • Ceiling Fans
  • Tub/Shower
  • Washer/Dryer

Kitchen Amenities

  • Dishwasher
  • Microwave
  • Oven
  • Island Kitchen
  • Range
  • Refrigerator
  • Disposal
  • Stainless Steel Appliances
  • Kitchen
  • Granite Countertops

Living Area Features

  • Walk In Closets
  • Sunroom
  • Views
Ask About Our Amenities
Google Map

Map

3625 Frankford Ave, Panama City, FL 32405
Schedule a Time to Come See Us

Hours and Contact Info

Call Us - Open Now!
Currently Closed
By Appointment
(850) 990-3734
Monday9:00 am–6:00 pm
Tuesday9:00 am–6:00 pm
Wednesday9:00 am–6:00 pm
Thursday9:00 am–6:00 pm
Friday9:00 am–6:00 pm
Saturday10:00 am–5:00 pm
Sunday1:00 pm–5:00 pm
Ask About Live Online Tours

What Are Walk Score®, Transit Score®, and Bike Score® Ratings?

  • Walk Score® measures the walkability of any address.
  • Transit Score® measures access to public transit.
  • Bike Score® measures the bikeability of any address.

Frequently Asked Questions about Exchange at North Bay

Where is Exchange at North Bay located?

Exchange at North Bay is located at 3625 Frankford Ave near the Pretty Bayou area of Panama City, FL

What is the current rent range at Exchange at North Bay?

1 Bedroom to 3 Bedroom Apartments at Exchange at North Bay currently range from $1,264 to $1,935

When is the leasing office open?

  • The office Hours for Exchange at North Bay are
  • Monday 9:00 am–6:00 pm
  • Tuesday 9:00 am–6:00 pm
  • Wednesday 9:00 am–6:00 pm
  • Thursday 9:00 am–6:00 pm
  • Friday 9:00 am–6:00 pm
  • Saturday 10:00 am–5:00 pm
  • Sunday 1:00 pm–5:00 pm

Are pets allowed?

Call us today to find out our pet policy and if we allow pets

Lifestyle Ratings

  • Affordability Nice Value3.2

    The Exchange at North Bay Apartments are 2.2% more expensive than the average apartment in the Pretty Bayou area, and 1.63% cheaper than the average apartment city-wide.

    Rent Comparison to the Pretty Bayou Neighborhood

    FloorplanLowest Price HereNeighborhood Avg RentNbhd Avg RentCost Difference%
    1 Bedroom$1,254$1,229+$252.0%
    2 Bedroom$1,433$1,509-$76-5.0%
    3 Bedroom$1,849$1,687+$1629.6%

    Rent Comparison to the city of Panama City

    FloorplanLowest Price HereCity Average RentCost Difference%
    1 Bedroom$1,254$1,298-$44-3.4%
    2 Bedroom$1,433$1,495-$62-4.1%
    3 Bedroom$1,849$1,802+$472.6%

    Methodology: On 01/31/2026, ApartmentHomeLiving.com compared current rents by floorplan to 49 other apartment communities in the immediate area around Exchange at North Bay (Pretty Bayou), and 340 other apartment communities in Panama City using today’s up-to-date pricing using the sum/count averaging formula. This data will be updated in real-time as prices fluctuate.

    Rent Pricing Data as of 01/31/2026

  • Eco-Friendly 3.6

    The Eco-Friendly Lifestyle score highlights how amenities and features at top local communities may support environmentally friendly, clean, and energy efficient living.

    Rating Factors

    This 3.6-star Eco-Friendly rating is based on the following features:

    • Car Charging Station(s)
    • Public Transportation
    • Patios

  • Student Living 3.2

    Rentals that are highly rated for the Student Living Lifestyle rating have top features and amenities that benefit students and others who enjoy living the student lifestyle.

    Rating Factors

    This 3.2-star Student Living rating is based on the following features:

    • Package Service
    • Washer/Dryer In Unit
    • Property Manager on Site
    • Public Transportation
    • 24 Hour Access
    • Fitness Center
    • Swimming Pool(s)
    • Storage Spaces
    • Sunroom(s)
    • Views
    • Trash Pickup - Door to Door
    • Pet Play Area
    • Clubhouse
    • Grill(s)
    • Picnic Area
    • Balconies
    • Tub/Showers
    • Dishwashers
    • Ovens
    • Ranges
    • Refrigerators
    • Disposals
    • Stainless Steel Appliances
    • Kitchens
    • Granite Countertops
    • Patios
    • Ceiling Fans
    See more
    See less
Learn more about Lifestyle Search

Renters Reviews and Ratings

5.0
1 Renters Reviews
ⓘ How is this Rating Determined?The property ratings on ApartmentHomeLiving.com are created using a 5-star scale that includes average renter review scores combined with building ratings to determine an overall blended property score.

Building ratings are based on a 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.

  • Very helpful and provided lots of info on local area

    January 29, 2025
    Tisha was very professional and helpful making this unplanned move as stress free as was possible She provided me with tons on helpful info on schools and dr offices as I sm new to the area and needed dr and schools for my 2 kids
    Review from Apartments.com

Nearby Schools

Northside Elementary School

Bay
2001 Northside Drive
Public School - Grades PK-5 (598 Students)
In Attendance Zone4 minute drive / 2.1 miles away
3/10

Jinks Middle School

Bay
600 West 11th Street
Public School - Grades 6-8 (570 Students)
In Attendance Zone7 minute drive / 3.3 miles away
2/10

Bay High School

Bay
1200 Harrison Avenue
Public School - Grades 9-12 (1255 Students)
In Attendance Zone7 minute drive / 3.5 miles away
3/10
Contact Us About Nearby Schools
School data provided by GreatSchools.
details
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 scale of 1 (below average) and 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 needs as part of the school selection process.

About GreatSchools Data on ApartmentHomeLiving.com.

Points of Interest

Time and distance from Exchange at North Bay.

Big Box and Retail

Publix

3204 Heartleaf Ave E
3 minute drive / 1.0 miles away

Kohl's

2610 Martin Luther King Jr Blvd
5 minute drive / 2.66 miles away

Target

2340 Martin Luther King Jr Blvd
5 minute drive / 2.77 miles away

Colleges and Universities

Gulf Coast State College - Panama City Campus

5230 West Highway 98
5 minute drive / 2.7 miles away

Gulf Coast State College - North Bay Center

637 Highway 2300
13 minute drive / 6.5 miles away

Groceries

Publix

3204 Heartleaf Ave E
3 minute drive / 1.0 miles away

Save-A-Lot

902 Ohio Ave
7 minute drive / 3.41 miles away

Hospitals

Gulf Coast Regional Medical Center

449 W 23rd St
4 minute drive / 2.0 miles away

Emerald Coast Behavioral Hospital

1940 Harrison Ave
5 minute drive / 2.56 miles away

Ascension Sacred Heart Bay

615 N Bonita Ave
9 minute drive / 4.32 miles away

Military Bases

Naval Coastal Systems Center

9 minute drive / 4.43 miles away

Shopping Centers

SweetBay Town Center Phase I

3204 Heartleaf Ave E
3 minute drive / 1.0 miles away

Northstar Center

2305-2389 St Andrews Blvd
4 minute drive / 1.45 miles away

Hickory Plaza

Us Hwy 98130
4 minute drive / 1.47 miles away

Exchange at North Bay has 5 shopping centers within 1.8 miles.

Nearby Neighborhoods

SweetBay

Studio to 4 Bedroom Apartments from $895
View Rentals

Pretty Bayou

1 to 3 Bedroom Apartments from $950
View Rentals

Rental Price Ranges in the Area

BedroomAverage RentCheapest RentHighest Rent
Panama City Studio Apartments $945$775$1,325
Panama City 1 Bedroom Apartments $1,298$799$4,647
Panama City 2 Bedroom Apartments $1,495$950$4,903
Panama City 3 Bedroom Apartments $1,802$1,139$2,627
Panama City 4 Bedroom Apartments $2,037$1,095$4,850

Browse Top Apartments in Panama City

By Price

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Viewing: Exchange at North Bay | Desktop Version | Listing Updated: 01/30/2026 | AHLDIA