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Independent living

St. Andrews Towers

Independent living in Panama City, Florida

Checked November 2, 2026

Provider details
Address24 Harrison Ave, Panama City, FL 32401
CityPanama City
StateFlorida
Phone850-785-9575
Websitehttps://st-residential.com/2024/08/27/st-andrews-towers-senior-apartments/
Age requirement62 and older
Age rule basisHUD designates this property's client group as elderly, and HUD multifamily elderly housing eligibility is age 62 or older for the head of household.
Apartments216
Housing programHUD Section 8 project-based assistance
Income restrictedYes

St. Andrews Towers is a fourteen-floor community in the Bay area of Panama City for residents aged 62 and older. Rent is income-based under HUD rules, and utilities are included in the rent. The community offers services and activities to help residents live on their own, with staff ready to assist.

More about this provider

St. Andrews Towers Senior Apartments is a fourteen-floor Silver Tree Residential community in the Bay area of Panama City for residents aged 62 and older, with income-based rent under HUD rules, utilities included, and comprehensive services and activities promoting self-sufficiency
Services and programsComprehensive services and activities that promote self-sufficiency and self-determination among all residents; dedicated staff ready to assist; utilities included in the rent; water view living; fourteen-floor community in the Bay area of Panama City
Who it servesResidents aged 62 and older
Payment types it statesRent is income-based and adheres to HUD's rules and regulations; homepage tile for this property states Section 8 Rental Assistance; utilities included in the rent
Visiting and contact details24 Harrison Ave, Panama City, FL 32401; 850-785-9575; TTY 711 (from the manager site's homepage tile for this property)
Websitehttps://st-residential.com/2024/08/27/st-andrews-towers-senior-apartments/

Who pays for independent living?

What this care costs, and who pays — Medicare, Medicaid, or the family — is covered in these guides:

Independent living guide · Paying for care

Common questions about St. Andrews Towers

Where is St. Andrews Towers located?

St. Andrews Towers is at 24 Harrison Ave, Panama City, FL 32401.

How do I contact St. Andrews Towers?

Call St. Andrews Towers at 850-785-9575.

How much does independent living cost?

There is no single price for independent living. Rent is set by each community and varies a lot by city. The cost survey this site uses does not publish a national median for independent living, so we do not print one. Medicare does not pay for it, so families pay the rent out of pocket. See our guide to independent living costs and who pays for the full picture.

Does Medicare pay for independent living?

No. Medicare does not pay rent or housing costs. It pays for your medical care while you live there, like doctor visits, hospital care, and home health visits. The housing itself is paid out of pocket.

What is the difference between independent living and assisted living?

Independent living is housing for older adults who can live on their own. It gives a private home, meals in some places, and social activities. It does not include help with daily tasks. Assisted living adds that help. Staff help with bathing, dressing, and medicine, and staff are on hand day and night.

Who else pays for independent living besides Medicare?

Families pay the rent out of pocket. No insurance pays for independent living rent. Low-income senior apartments funded by HUD keep rent lower for people who qualify. Some veterans put VA pension payments toward the rent.

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