Exchange at North Bay — Resident Reviews, Pros & Cons
Frankford Avenue in the North Bay area, Panama City, FL · What renters actually say about living here, distilled from public reviews. Updated Jul 2026.
Neighborhood
Frankford Avenue in the North Bay area
Address
3625 Frankford Ave, Panama City, FL 32405
Floor plans
1-3 BR
Advertised rents
$1,205-$1,820 (as of 2026-07, per public listings)
Year built
2022
Pet friendly
Yes
Website
What residents like
- ✓2022 construction with island kitchens and units advertised with scenic views
- ✓Pet play area and picnic/grill areas add community amenity value
- ✓Frankford Avenue location in North Bay is central to both Panama City and Lynn Haven
Common complaints
- ✕Only one public review was available at the time of research, so the 5.0 rating shown reflects a single respondent rather than a broad consensus
- ✕Published detail on in-unit features is limited compared to larger competitors — renters should confirm specifics with leasing staff
- ✕The North Bay/Frankford Avenue location still requires a drive to downtown Panama City and the beaches
Our take
Exchange at North Bay is a 2022-built, 256-unit community on Frankford Avenue in the North Bay area. Its public review base is minimal, so while early feedback is positive, prospective renters should treat the rating as preliminary and tour in person.
Amenities
PoolWalk-in closetsPet play areaIsland kitchensPicnic areaGrillBalconiesScenic views (select units)
About these pros & cons
How we build these pages: we read publicly available resident reviews (Google, ApartmentRatings, Yelp, Reddit and similar) for each community and summarize the recurring themes in our own words. We don't copy review text, we don't display star ratings we didn't compute, and no complex has paid to appear or to have anything removed. Cons reflect what residents report — experiences vary. Rent ranges come from public listings and change often; always confirm current pricing, fees and policies with the property directly.
Compare nearby communities
The Kelly at 23rd Luxury Apartments
23rd Street corridor near Wilson Avenue · 1-3 BR
Westshore Palms
East 15th Street near Tram Road, close to the Callaway line · 1-3 BR
Emerald Park
East Panama City near the Callaway line, off Whelch Drive · 1-3 BR
The Lory of Panama City
Harrison Avenue corridor near 23rd Street Plaza · 1-3 BR
All Panama City apartment reviews → Home services in Panama City → Florida cost of living →