$1,295,000
Panama City Beach, FL 32413
MLS# 790256
4 beds | 4 baths | 3065 sqft

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Property Description
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.
Details
Maps
Contract Info
List Price/SqFt: 422.51
Status: Active
List Date: 2026-05-22
List Price: $1,295,000
Current Price: $1,295,000
Location
Sub Area: 0322 - Beach - North West
Community/Resort: None
Waterfront: No
Elementary School: West Bay
Middle School: Surfside
High School: Arnold
Directions: From Hwy 98, turn on Hwy 79 going north. 2.6 miles Breakwater Community will be on your left.
Area: 03 - Bay County - Beach
Street #: 300
Street Name: Breakwater
Street Suffix: Boulevard
State: FL
Zip Code: 32413
County: Bay
Subdivision: Breakwater at Ward Creek
Parcel ID: 32717-250-034
Legal Description: BREAKWATER AT WARD CREEK PH 1 LOT 17
General Property Info
Acreage: 0.17
Design: Beach House
Lot Size (SqFt): 7405
Apx SqFt(Htd/Cooled): 3065
Immediate Occupancy: Yes
Construction Status: Construction Complete
SqFt Source: Builders Plans
Half Baths: 1
Lot Dimensions: 60'x120'
New Construction: No
Garage Y/N: Yes
Garage Spaces: 3
Pool: Yes
Pool Type: Private
Sub-Type: Detached Single Family
Bedrooms: 4
Full Baths: 3
Total Baths: 4
Year Built: 2025
Listing Info, Tax and Legal
HOA Fee: Yes
HOA Amount: 210
HOA Frequency: Monthly
HOA Annual Amount: 2520
New Buyer Fee: Yes
Last Taxes: 1355
Last Tax Year: 2025
Brokerage Interest: No Interest
Remarks & Misc
Remarks: 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.
Bonus Room
Second: 1
Covered Porch
First: 1
Dining Room
First: 1
Garage
First: 1
Great Room
First: 1
Pool Features
Heated - Gas: 1
Saltwater: 1
Appliances
Cooktop - Gas: 1
Dishwasher: 1
Disposal: 1
Oven - Gas: 1
Range - Gas: 1
Range Hood: 1
Refrigerator: 1
Washer: 1
Water Heater - Tankless: 1
Interior Features
Breakfast Bar: 1
Ceiling - Beamed: 1
Floor - Vinyl Plank: 1
Kitchen Island: 1
Pantry: 1
Security System: 1
Split Bedroom: 1
Window - Treatment All: 1
Construction/Siding
Foundation - Slab on Grade: 1
Roof - Composite Shngl: 1
Siding - Hardie Board: 1
Exterior
Deck Covered: 1
Fenced Privacy: 1
Fire Pit: 1
Summer Kitchen: 1
Patio Open: 1
Association Fees Include
Community Room: 1
Exercise Room: 1
Gated Community: 1
Master Association: 1
Playground: 1
Pool: 1
Recreational Faclty: 1
Tennis: 1
Furnished
Negotiable: 1
Interior
Bonus Room: 1
Lot Access
Paved Road: 1
Parking Features
Garage Attached: 1
Mstr Bath / Mstr Bdrm
MBath Double Vanity: 1
MBath Shower Only: 1
MBed Walk-in Closet: 1
Present Zoning
Resid Single Family: 1
Rooms
Bonus Room: 1
Covered Porch: 1
Dining Room: 1
Garage: 1
Great Room: 1
Master Bedroom: 1
Utilities
Electricity - Connected: 1
Natural Gas - Connected: 1
Public Sewer - Connected: 1
Public Water - Connected: 1
Master Bedroom
Second: 1
Security Features
Gated Community: 1
Property Features
Appliances: Cooktop - Gas; Dishwasher; Disposal; Oven - Gas; Range - Gas; Range Hood; Refrigerator; Washer; Water Heater - Tankless
Master Bedroom: Second
Exterior: Deck Covered; Fenced Privacy; Fire Pit; Summer Kitchen; Patio Open
Association Fees Include: Community Room; Exercise Room; Gated Community; Master Association; Playground; Pool; Recreational Faclty; Tennis
Furnished: Negotiable
Interior: Bonus Room
Lot Access: Paved Road
Bonus Room: Second
Covered Porch: First
Dining Room: First
Great Room: First
Garage: First
Pool Features: Heated - Gas; Saltwater
Security Features: Gated Community
Parking Features: Garage Attached
Rooms: Bonus Room; Covered Porch; Dining Room; Garage; Great Room; Master Bedroom
Utilities: Electricity - Connected; Natural Gas - Connected; Public Sewer - Connected; Public Water - Connected
Present Zoning: Resid Single Family
Room Information
| Room Name | Level | Dimensions | Length | Width |
| Master Bedroom | Second | 17.25 x 15 | 17.25 | 15.00 |
| Dining Room | First | 17.5 x 11.58 | 17.50 | 11.58 |
| Bonus Room | Second | 16.42 x 11.75 | 16.42 | 11.75 |
| Covered Porch | First | 36.25 x 10 | 36.25 | 10.00 |
| Garage | First | 41.17 x 36.67 | 41.17 | 36.67 |
| Great Room | First | 16 x 16 | 16.00 | 16.00 |
Listing Office: Christies International Real Estate Emerald Coast
Last Updated: May - 22 - 2026
Information deemed reliable but not guaranteed.
