Property Attributes
- MLS#794543
- TypeSingle Family
- Listing Status Active
- CountyBay
- CityPanama City Beach
- Area03 - Bay County - Beach
- NeighborhoodBreakwater at Ward Creek
- Zip32413
- Style
- Year Built2025
- Taxes$ 1354
- Price$ 1,195,000
- Bedrooms4
- Full Bathrooms3
- Half Bathrooms1
- Sqr Footage3065
- Lot Size0.16 Acres
Data Source:
Central Panhandle Association of REALTORS® (CPAR)
Property Description
Seller will contribute up to $30,000 toward an interest-rate buydown or buyer closing costs with an acceptable offer! The most upgraded home to ever hit the market in Breakwater at Ward Creek. This 4-bedroom, 3.5-bath, 3,065 sq ft residence on a preserve-backing homesite has been finished years ahead of the standing inventory, with a level of detail that shows better than the model homes. Step into a two-story foyer with 20-foot ceilings, custom beam work, added window and door casing throughout, and a glass-enclosed wine cellar built under the stairs as an architectural feature. The kitchen carries KitchenAid appliances, a Thor cooktop, a custom wood vent hood with a top-tier exhaust system, marble counters that replaced all original quartz throughout the home, cabinet toppers, glass bar cabinetry, slide-out drawer systems, and full under- and in-cabinet lighting. The pantry was rebuilt into the largest available in a Toll Brothers floor plan, with custom shelving, marble counter, and a second LG refrigerator. Solid wood cabinetry was added in the mudroom, laundry, and primary bath, with new tile backsplashes, a shiplap accent wall, and gold fixtures and hardware carried through the home. Every closet is a custom build-out with drawers and shelving and dedicated lighting. The primary suite includes wireless motorized shades and a new dual shower with high-end tile and a custom waterfall design. Behind the home, a full front-and-back makeover delivers a saltwater pool and spa, fire pit with fire bowls, outdoor TV, landscape lighting, all backing to HOA preserve so the view stays yours. A four-zone security camera system, whole-home WiFi coverage, custom tongue-and-groove porch ceilings, a fresh top-to-bottom interior repaint, and a three-car tandem garage with significant storage complete the home. This is not a project. It is move-in-ready luxury with nothing left to decide. Furniture negotiable. Breakwater at Ward Creek is a gated community in one of Panama City Beach's strongest growth corridors. Its brand-new clubhouse just opened, with a fitness center, indoor and outdoor living spaces, a zero-entry pool with sun shelf and lap lane, cabana seating, a playground, tennis and pickleball courts, and a large outdoor green space. Nearby, the West Bay Town Center is bringing a new Publix and shopping, a new FSU Health hospital is underway, and a new Intracoastal marina is planned.
| Elementary School | Middle School | High School |
|---|---|---|
| West Bay Elementary School | Surfside Middle School | Arnold High School |
| Price History | |
|---|---|
| 8/25/2026 | Listed $1,195,000 |
General Features
| Sewer | Public Sewer |
|---|---|
| Property Subtype | Single Family Residence |
| Tax Year | 2025 |
| Community Features | Gated |
| County | Bay |
| Property Type | Residential |
| HOA | true |
| Subdivision Name | Breakwater at Ward Creek |
| Status | Active |
| Directions | From Hwy 98, turn on Hwy 79 going north. 2.6 miles Breakwater community will be on your left. |
| High School | Arnold |
| City | Panama City Beach |
| Zoning Description | Resid Single Family |
| MLS Area | 03 - Bay County - Beach |
| Lot Size Units | Acres |
| Lot Size Square Feet | 7405 |
| Elementary School | West Bay |
| Tax Annual Amount | 1354.84 |
| Middle/Junior High School | Surfside |
| MLS Area Minor | 0322 - Beach - North West |
| Standard Status | Active |
| Property Sub Type Additional | Single Family Residence |
| Association Amenities | Gated |
| Occupancy Type | Occupied |
| Year Built | 2025 |
| Association Fee Includes | Association Management,Clubhouse,Fitness Facility,Playground,Pool(s),Recreation Facilities,Tennis Courts |
| Appliances | Gas Cooktop,Gas Oven,Gas Range,Tankless Water Heater |
| Patio/Porch Features | Deck,Patio |
| Construction Materials | HardiPlank Type |
| Attached Garage | false |
| Garage Y/N | true |
| Total Rooms | 6 |
| Full Baths | 3 |
| Garage Spaces | 3 |
| Architectural Style | Coastal |
| HOA Fee | 210 |
| Assoc Fee Paid Per | Monthly |
| Pool Features | Gas Heat,Salt Water,Private |
| Security Features | Gated Community |
| New Construction | false |
| Roof | Composition,Shingle |
Interior Features
| Total Baths | 4 |
|---|---|
| Interior Amenities | Double Vanity,Upper Level Primary,Walk-In Closet(s) |
| Total Bedrooms | 4 |
| LivingAreaSource | Plans |
| Half Baths | 1 |
Exterior Features
| Lot Features | Paved |
|---|---|
| Lot Size Area | 0.16 |
| Lot Dimensions | 60.0 ft x 120.0 ft |
| Lot Size Acres | 0.16 |
| Building Area Total | 3065 |
| Waterfront Y/N | false |
| Exterior Amenities | Covered Patio,Patio,Fire Pit,Outdoor Kitchen |
| Fencing | Privacy |
| Foundation Details | Slab |
| Private Pool | true |
Amenities
- Foreclosure
- Views
- Short Sale
- New Construction
- Adult 55+
- Lease To Own
- No HOA Fees
- Furnished
- Primary On Main
- Air Conditioning
- Seller Finance
- Green
- Fixer Upper
- Horse
- Golf
- Fireplace
- Deck
- Garage
- Basement
- Pool
Property vs Single Family Average in 32413
In The Neighborhood
Panama City Beach
$ 549,000
- Type
- Single Family
- Size
- 1,741 SqFt
- Rooms
- 3 Beds + 2 Baths
Panama City Beach
$ 559,000
- Type
- Single Family
- Size
- 1,739 SqFt
- Rooms
- 3 Beds + 2 Baths
Panama City Beach
$ 898,000
- Type
- Single Family
- Size
- 3,430 SqFt
- Rooms
- 5 Beds + 3 Baths
Panama City Beach
$ 800,000
- Type
- Single Family
- Size
- 2,691 SqFt
- Rooms
- 4 Beds + 3 Baths
Panama City Beach
$ 835,000
- Type
- Single Family
- Size
- 2,839 SqFt
- Rooms
- 4 Beds + 3.5 Baths
Listing data provided by: Central Panhandle Association of Realtors (CPAR)
Information deemed reliable but not guaranteed. The information is provided exclusively for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.