St. Andrews Towers Senior Apartments is a landmark 14-story, 216-unit waterfront HUD Project-Based Section 8 / Section 202 age-restricted (62+) senior independent living apartment community located at 24 Harrison Avenue overlooking St. Andrews Bay and the Downtown Panama City Marina in Bay County, Florida (ZIP 32401). Owned by St. Andrew Towers I, Ltd. (Florida Sunbiz Limited Partnership Doc# A15000000313, Active, General Partner St. Andrew Towers I GP, LLC, Doc# L15000086224) and St. Andrew Towers II, Ltd. (Florida Sunbiz Limited Partnership Doc# A15000000314, Active, General Partner St. Andrew Towers II GP, LLC, Doc# L15000086230) and professionally managed by national senior housing specialist Silver Tree Residential, LLC (Sunbiz Doc# M10000004307, Active), St. Andrews Towers is Bay County's largest dedicated affordable waterfront senior apartment community.

Regulated by the U.S. Department of Housing and Urban Development (HUD Multifamily Project-Based Section 8 Rental Assistance / Section 202 Supportive Housing for the Elderly), resident rent at St. Andrews Towers is capped at 30% of adjusted gross household income for qualifying seniors aged 62 and older (or mobility-impaired adults requiring accessible features). Comprehensively renovated by Silver Tree Residential, the 216 one-bedroom apartments feature full kitchens, step-in showers with grab bars, emergency call cords, individual climate control, and sweeping views of St. Andrews Bay and Historic Harrison Avenue. On-site amenities include waterfront community sunrooms, a resident clubhouse, fitness room, library, computer lab, controlled key-fob entry, dual elevators, on-site laundry facilities, 24-hour emergency maintenance, and a dedicated HUD Resident Service Coordinator who connects residents with Area Agency on Aging for North Florida (PSA 2) nutrition, Bay County Council on Aging Bay Way transit, and healthcare providers at nearby Ascension Sacred Heart Bay (615 N Bonita Ave, 1.5 miles east).