One of the best kept secrets in Florida is a little place called Mexico Beach. It is in the same county, Bay, as Panama City Beach but very low key. If you want to be on the beach with very few others just travel west a couple of miles, literally, to St. Joe beach. The only reason for the name change is the location of the county line. There is also the "Cape" a few miles past St. Joe where you can ride your horse on the beach if you purchase a permit from Gulf County. Check out the county web sites for both Gulf and Bay counties. I prefer the gulf county beaches. Whitest sand ind the world and truly one of Florida's best kept secrets.