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
$ 1,195,000
- Type
- Single Family
- Size
- 3,065 SqFt
- Rooms
- 4 Beds + 3.5 Baths
Panama City Beach
$ 624,900
- Type
- Single Family
- Size
- 2,120 SqFt
- Rooms
- 3 Beds + 2.5 Baths
Panama City Beach
$ 549,000
- Type
- Single Family
- Size
- 1,741 SqFt
- Rooms
- 3 Beds + 2 Baths
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
$ 559,000
- Type
- Single Family
- Size
- 1,739 SqFt
- Rooms
- 3 Beds + 2 Baths
Panama City Beach
$ 799,000
- Type
- Single Family
- Size
- 2,455 SqFt
- Rooms
- 3 Beds + 2.5 Baths
Panama City Beach
$ 799,000
- Type
- Single Family
- Size
- 2,455 SqFt
- Rooms
- 3 Beds + 2.5 Baths
Panama City Beach
$ 849,700
- Type
- Single Family
- Size
- 2,839 SqFt
- Rooms
- 4 Beds + 3.5 Baths
Panama City Beach
$ 949,000
- Type
- Single Family
- Size
- 3,435 SqFt
- Rooms
- 5 Beds + 3.5 Baths
Panama City Beach
$ 949,000
- Type
- Single Family
- Size
- 3,435 SqFt
- Rooms
- 5 Beds + 3.5 Baths
Panama City Beach
$ 849,700
- Type
- Single Family
- Size
- 2,839 SqFt
- Rooms
- 4 Beds + 3.5 Baths
Emerald Coast Association of REALTORS®, Inc. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers
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.
All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data relating