Saint Andrew Bay is a large estuary near Panama City, Florida, situated between the mainland and the barrier island that includes St. Andrews State Park and Shell Island. The bay provides a mix of developed and natural shorelines, with paddling conditions heavily influenced by wind and boat traffic. Several public boat ramps offer access, including the Donaldson Point Public Boat Ramp and Bob George Park Public Boat Ramp, the latter providing sheltered paddling in Watson Bayou. The Carl Gray Park ramp is also noted as an option. Launching directly at the U.S. Coast Guard Station is restricted, requiring the use of these nearby public points.

The bay is a large, open body of water susceptible to wind, with south and southwest winds capable of creating significant chop, making early morning paddling when winds are lighter advisable. Vessel traffic is moderate to high, especially on weekends, and includes recreational boats and larger naval vessels. Paddlers should be aware of no-wake zones in areas like Salt Creek. The bay features gentle currents, and one suggested route advises paddling with the outgoing tide for an easier journey to the Grand Lagoon entrance and returning with the incoming tide. Open water crossings, such as from Donaldson Point to Earl Gilbert Park, are exposed to wind and chop and require careful weather assessment.

Notable destinations within the bay include the undeveloped northern shoreline for birdwatching, the entrance to Grand Lagoon for potential dolphin sightings, and Shell Island, which is only accessible by boat. The bay's diverse ecology supports wildlife like manatees, sea turtles, dolphins, and intercoastal birds. The water is noted for its turquoise color and white sand beaches along the Gulf Coast. Public access points often provide amenities like restrooms and picnic tables, while nearby marinas offer services. The area's aesthetic is characterized by a combination of quiet, natural sections and views of the active Panama City Beach area.