Private Boat Tours in Panama City Beach

Explore St. Andrews Bay, Shell Island, dolphin waters, and sunset views with Captain Amanda on a fun private charter for up to 6 guests.

  • Up to 6 Guests
  • USCG Licensed Captain
  • Flexible Launch Locations
  • Snorkeling Gear Available

Fun, small-group boat adventures around Panama City, Panama City Beach, St. Andrews Bay, and Shell Island.

Whether you want to look for dolphins, snorkel in beautiful clear water, relax on a sunset cruise, or enjoy an early morning mimosa ride, Chilly Down Charters offers private boat tours built around your group and the beauty of the local waters.

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EXCELLENT
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Loved by guests for private, relaxed, and memorable time on the water with Captain Amanda.

Choose Your Adventure

From wildlife cruises to snorkeling trips and laid-back bay rides, every Chilly Down Charters experience is designed for small groups who want a more personal day on the water.

Snorkeling Adventure

From $375

Head out for a private snorkeling trip with clear water, coastal scenery, and time to relax between stops. Perfect for guests who want a more active day on the water while still keeping the experience easygoing, personal, and flexible.

  • Private snorkeling experience
  • Clear water & coastal scenery
  • Great for fun, active groups
  • Time to swim, explore, and relax

Dolphin & Wildlife Tour

From $375

Cruise the local waters around Panama City Beach on a private boat tour focused on dolphin spotting, scenic views, and relaxed time on the water. This is a great choice for families, couples, and groups who want an easy, memorable experience with plenty of chances to enjoy the area’s natural beauty.

  • Dolphin spotting & wildlife watching
  • Scenic cruising around local waters
  • Relaxed pace for all ages
  • Great for families, couples, and small groups

Morning Mimosa Cruise

From $375

Start the day with a private morning cruise featuring calm water, coastal views, and a laid-back atmosphere. Ideal for groups looking for something fun, easy, and a little different, with plenty of time to enjoy the water at a relaxed pace.

  • Calm morning water & scenic views

  • Fun, laid-back group experience

  • Great for celebrations and easy starts

  • A relaxed way to begin the day

Sunset Cruise

From $375

Take in beautiful evening views on a private sunset cruise designed for couples, families, and small groups wanting a calm and memorable time on the water. A great choice for relaxing, celebrating, and enjoying the view as the day winds down.

  • Beautiful evening views

  • Relaxed private cruise atmosphere
  • Perfect for couples & special occasions

  • A calm, memorable end to the day

Why Us?

Chilly Down Charters is built around private, personal experiences on the water — not crowded boats, rushed trips, or generic tourist experiences.

Private Tours Only

Enjoy the boat with your own group and a trip that feels more personal from start to finish.

Up to 6 Passengers

Per U.S. Coast Guard regulations, we can carry up to 6 passengers max, including children and infants.

Lifelong Local Captain

Captain Amanda was born and raised in Port St. Joe, Florida and has spent her life on and around the water.

USCG Licensed

Your trip is led by a licensed captain with real local experience and a passion for boating, wildlife, and conservation.

Cooler, Ice, and Water Included

We make it easy to relax and enjoy your trip with basic onboard comfort already covered.

Shade Onboard

The Bimini top provides welcome shade for daytime trips on the bay.

Meet Captain Amanda

Captain Amanda is a USCG licensed captain who has spent her entire life on and around the water. Born and raised in Port St. Joe, Florida, she brings local knowledge, a love of wildlife and conservation, and a genuine passion for sharing the beauty of the area with every group she takes out.

Chilly Down Charters is about more than just getting on a boat. It’s about enjoying a fun, relaxed, small-group experience while exploring the natural beauty of St. Andrews Bay, Shell Island, and the surrounding waters with someone who truly loves being out there.

Amanda Dailey

Captain Amanda Dailey

Explore St. Andrews Bay, Shell Island & Beyond

Chilly Down Charters offers private boat tours around Panama City, Panama City Beach, St. Andrews Bay, Shell Island, St. Andrews State Park, and nearby waters.

Because the boat is trailered, launch locations can be flexible depending on weather, conditions, and your group’s location. That means your tour can be planned around the day’s best setup for comfort, convenience, and the best possible time on the water.

Whether you’re visiting Panama City Beach and looking for a dolphin cruise, planning a Shell Island snorkeling trip, or simply wanting a private boat charter around St. Andrews Bay, Chilly Down Charters offers a fun and memorable way to experience the area.

What’s Included

Every trip includes a private captain-led experience designed to keep things simple, comfortable, and fun.

  • USCG licensed captain
  • Life jackets
  • Cooler with ice
  • Bottled water
  • Bimini top / shade
  • Snorkeling gear on snorkeling trips

What to Bring

For the best experience, we recommend bringing:

  • Towels
  • Sunscreen
  • Snacks
  • Beverages
  • Comfortable clothing
  • Your own cooler if you’d like

Good to Know Before You Book

A few important details to help you plan with confidence.

Children Welcome

Children are welcome onboard. Each private trip can take up to 6 guests total, including infants and children.

Service Animals Welcome

Service animals are welcome onboard. Other pets are not currently permitted.

Wildlife Sightings

Wildlife sightings are common around the bay, but they are never guaranteed. Captain Amanda always does her best to create a fun, memorable experience on the water.

Flexible Cancellation Policy

Cancel up to 24 hours before departure for a full refund. Cancellations made less than 24 hours before departure receive a 50% refund. Trips cancelled for unsafe weather or mechanical issues can be refunded in full or rescheduled.

Alcohol, Snacks, and Drinks

Guests are welcome to bring snacks and drinks onboard. Alcohol is permitted for guests age 21+ on eligible trips. Please know your limits, drink responsibly, and help keep the trip safe and enjoyable for everyone.

FAQs

Answers to some of the most common questions before you book your trip.

Yes. Children are welcome, but all passengers count toward the 6-passenger maximum, including infants.

Yes. Per Coast Guard regulations, the 6-passenger maximum includes children and infants.

Yes, alcohol is permitted for guests age 21+ on eligible trips. Please drink responsibly and know your limits.

No. Wildlife sightings are often very good, but never guaranteed, since these are public waterways and wildlife is unpredictable.

If weather or mechanical issues prevent the trip from going ahead, you can choose to reschedule or receive a full refund.

Launch locations can vary depending on weather, conditions, and your group’s location, since the boat is trailered.

Guest Feedback

See what guests have said about their time on the water with Chilly Down Charters.

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Grace D.
Google Review

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★★★★★

We had an amazing time on the water. The trip was relaxed, beautiful, and perfect for our family. Captain Amanda was friendly, welcoming, and made the whole experience feel personal from start to finish.

Private boat tour in Panama City Beach
Guests enjoying a private charter
Scenic water views on a Chilly Down Charters trip
Family enjoying time on the water
Boat excursion around Panama City Beach

Ready to Get on the Water?

Whether you are ready to book or just want to ask a few questions first, Chilly Down Charters makes it easy to get started. Explore the tour options, get in touch with Captain Amanda, and plan a private boat day your group will remember.

Private Tours Only • Up to 6 Guests • Captain Amanda