St. "Andrew's" Bay, officially named St. Andrew Bay, is a bay located in Bay County in the panhandle of Florida. It is a 69,000 acre estuary located in northwest Florida. It is relatively deep, and of relatively high salinity due to the low freshwater inflow provided by only a few spring-fed creeks (the most significant being Econfina Creek, fed by Blue Spring). The county seat of Bay County, Panama City, is located on the bay, named for Saint Andrew. The Atlanta & St.