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    Vanderbilt Mortgage LogoSpecial Rate CTA Image
    4.99% interest rate
    5.84% * apr

    on select move-in
    ready homes with
    Vanderbilt Mortgage.*

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    2310 e 15 st, panama city, FL 32405

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    (850) 785-3302

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Clayton Homes of Panama City offers land and home opportunities in the following areas: Alys Beach, Bayou George, Callaway, Ebro, Fountain, Grande Pointe, Inlet Beach, Lynn Haven, Mexico Beach, P C Beach, Panama City, Panama City Beach, Parker, Rosemary Beach, Seacrest, Southport, Tyndall AFB, Watersound, West Panama City Beach, White City, and Youngstown.

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Clayton Homes of Panama City

Modern manufactured homes, made affordable.

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Featured Homes

  • IN STOCK
  • SPECIAL RATE AVAILABLE
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Contact Clayton Homes to purchase

MOD510565332

  • 3 beds
  • 2 baths
  • 2,128 sq. ft.
  • 0.25 acres
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  • IN STOCK
  • NEW ARRIVAL
The DELIGHT Exterior. This Manufactured Mobile Home features 2 bedrooms and 2 baths.
The DELIGHT Living Room. This Manufactured Mobile Home features 2 bedrooms and 2 baths.
The DELIGHT Living Room. This Manufactured Mobile Home features 2 bedrooms and 2 baths.
The DELIGHT Kitchen. This Manufactured Mobile Home features 2 bedrooms and 2 baths.
The DELIGHT Primary Bedroom. This Manufactured Mobile Home features 2 bedrooms and 2 baths.

Delight

  • 2 beds
  • 2 baths
  • 820 sq. ft.

BEFORE OPTIONS

  • IN STOCK
  • UPGRADES INCLUDED
The THE LULAMAE Exterior. This Manufactured Mobile Home features 3 bedrooms and 2 baths.
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The THE LULAMAE Exterior (MH Advantage). This Manufactured Mobile Home features 3 bedrooms and 2 baths.
The THE LULAMAE Exterior (MH Advantage). This Manufactured Mobile Home features 3 bedrooms and 2 baths.
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The Lulamae

  • 3 beds
  • 2 baths
  • 1,832 sq. ft.
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Our mission

Opening doors to a better life.

If you're looking for the perfect home to make lasting memories in, Clayton Homes of Panama City has just what you need. Panama City is a bustling coastal town in Florida perfect for those seeking the warm sun and plenty of fun! Our homes can be customized to suit any lifestyle and come with many features to withstand the Florida rain. The beach house of your dreams can be made a reality with the help of our home consultants, who have been helping aspiring home buyers find exactly what they want in a home for decades, and we're certain we can help you, too! Come visit our home center today to let us help you find your Florida dream home!

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Built to Last a Lifetime. Or Two.

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HouseSmart®

We create beautiful, affordable and strong manufactured homes with energy-efficient features. See for yourself why our homes are the smart choice.

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EnergySmart Zero™

Enjoy a whole new level of home performance and energy savings with our EnergySmart Zero™ homes that can save you tens of thousands** over the life of your home.

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BuiltSmart®

A building process is only as good as what goes into it. For us, that means quality products from the world's most trusted brands, so your home is built to last a lifetime.*

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* With proper home maintenance.

** EnergySmart Zero™ homes are built with energy efficient features and made to DOE Zero Energy Ready Home™ program specifications.

SPECIAL RATE HOMES

4.99% INTEREST
RATE
5.84%*APR

Interest rates as low as 4.99% / 5.84% APR​* on these manufactured homes on land! This exclusive offer from Vanderbilt Mortgage is available on select move-in ready homes while they last.*

Click here to view offer and important disclosures.

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Opening Doors to a Better Life

Welcome Home

As you get the keys to your new home, we want to be the first to celebrate with you. From our family to yours, welcome home!

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Special Financing Available For A Limited Time
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Special Financing Available For A Limited Time

Looking for a manufactured home on land? Take advantage of this special rate on move-in ready homes while they last!

*ALL LOANS ARE SUBJECT TO CREDIT APPROVAL. MAY NOT BE COMBINED WITH OTHER INCENTIVES. Contact your local home center for a list of eligible homes. Contracts written on or after 6/2/2025. Loan must close before 9/30/2025. All terms and conditions subject to credit approval, market conditions, and availability. Vanderbilt Mortgage and Finance, Inc, dba Silverton Mortgage has locked in a fixed interest rate for a pool of funds. Rates only available until pool of funds is depleted or rate expires. Example of 4.99% Interest Rate (5.837% APR) with $250,000.00 sales price. $245,471.00 loan amount, 30-year fixed rate loan based on 360 monthly payments at $1,316.24 each (P&I only). Monthly payments do not include required mortgage insurance, taxes, insurance premiums or other applicable escrows. Actual payment amount will be higher. 3.5% cash down payment of $8,750 required. Example assumes 680 credit score and includes $1,495.00 origination fee, 0.5 discount points paid by buyer and 2 discount points paid by seller, 5.837% APR and 4.99% interest rate as of 6/2/2025. Rate, fees, other charges and terms subject to change. Available loan programs and terms will vary by state. Vanderbilt Mortgage and Finance, Inc., and its dba Silverton Mortgage, 500 Alcoa Trail, Maryville, TN 37804, 865-380-3000, NMLS #1561, (http://www.nmlsconsumeraccess.org/), AZ Lic. #BK-0902616, Loans made or arranged pursuant to a California Financing Law License and Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensed by the N.J. Department of Banking and Insurance, Licensed by PA Dept. of Banking and Securities, Rhode Island Licensed Lender.

Manufactured & Mobile Home Lenders
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Manufactured & Mobile Home Lenders

We understand it can be difficult to find the right lender. While choosing a lender is always your choice, we proudly work with two affiliate lenders, Vanderbilt Mortgage and Silverton Mortgage, and trusted national partners, including Cascade, eLEND and Credit Human.

Modular Home Survives Hurricane Michael
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Modular Home Survives Hurricane Michael

Hoping for a peaceful retirement, Darla and Terry Wise moved to Mexico Beach, FL. However, a Category 4 hurricane tore through their area shortly after, but their Clayton Built® home was still standing!

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