917 Camp Fire Circle, Panama City Beach, FL 32413 (MLS# 787538)

Homestead: Yes

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

As Is: Yes

List Price/SqFt: 384.77

Status: Active

List Date: 2026-03-19

List Price: $950,000

Current Price: $950,000

Sub Area: 0322 - Beach - North West

Community/Resort: None

Waterfront: No

Elementary School: West Bay

Middle School: Surfside

High School: Arnold

Directions: Traveling South on Highway 79 turn right into the gated community, Breakwater at Ward Creek, take your first left onto Camp Fire Circle, the home is on the right. Traveling North on Highway 79 turn left into the neighborhood and follow the directions above.

Area: 03 - Bay County - Beach

Street #: 917

Street Name: Camp Fire

Street Suffix: Circle

State: FL

Zip Code: 32413

County: Bay

Subdivision: Breakwater at Ward Creek

Parcel ID: 32717-250-150

Legal Description: BREAKWATER AT WARD CREEK PH 1 LOT 311 ORB 4815 P 1513

Acreage: 0.17

Design: Contemporary

Lot Size (SqFt): 7187

Apx SqFt(Htd/Cooled): 2469

Construction Status: Construction Complete

SqFt Source: Builders Plans

Half Baths: 1

Lot Dimensions: 60 x 120

New Construction: No

Garage Y/N: Yes

Garage Spaces: 3

Pool: Yes

Pool Type: Private

Sub-Type: Detached Single Family

Bedrooms: 3

Full Baths: 2

Total Baths: 3

Year Built: 2025

Remarks: Welcome to a home that was never meant to be sold. Built in August 2025 as a true forever home, every detail of this custom Toll Brothers Caswell design from the Vista Collection was thoughtfully selected with intention, quality, and comfort in mind. Life simply had other plans--offering a rare opportunity to own a nearly new, highly upgraded home without the wait. Tucked away on a premium cul-de-sac lot, with the majority of construction on the street already complete, this home offers a sense of peace, privacy, and permanence that's hard to find in newer communities. Backing to a natural wooded area with serene lake views beyond, you'll enjoy no rear neighbors and a setting that feels both private and connected to nature. Step outside and you'll immediately understand the lifestyle this home was designed for. The backyard has already been transformed into a private retreat, featuring an 11' x 24' saltwater, heated pool with a steel-reinforced shotcrete shell, pebble sheen finish, tanning shelf, and bench seating. The attached spa with waterfall and five jets creates the perfect place to unwind, all enclosed within a spacious screened enclosure--so you can enjoy it year-round without the hassle, expense, or wait of building it yourself. The home is also pre-plumbed for gas on the lanai, offering the option to easily add a future outdoor kitchen. Inside, the attention to detail is evident in every space. A bright, open layout is enhanced by a multi-slide stacked glass door that seamlessly connects indoor and outdoor living, while tray ceilings in the foyer, great room, and primary suite add architectural interest and dimension. The office is enclosed with glass doors, creating a functional yet stylish work-from-home space. The kitchen was designed to be both beautiful and highly functional, featuring an oversized double-sided island with abundant storage, quartz countertops, custom cabinetry, a ceramic tile backsplash, and a suite of stainless KitchenAid appliances including a 36'' gas cooktop with hood, built-in microwave, and oven, complemented by a Samsung Bespoke refrigerator. The primary suite offers a true retreat with a spa-like bathroom featuring a frameless glass shower with ceiling-mounted rain head, upgraded Kohler fixtures, elevated vanities, and designer tile selections carried throughout all bathrooms. Hard surface flooring runs throughout the home, with porcelain tile in all baths and thoughtfully selected finishes that elevate each space. Additional upgrades include hurricane-rated front and rear windows and doors, solid 2x6 construction, LED recessed lighting with dimmers, smart home technology, a security system, upgraded interior hardware, comfort-height toilets, and a spacious three-car garage with durable, non-slip polyurea/polyaspartic flooring. The paver driveway and updated landscaping with palm trees complete the home's polished coastal curb appeal. Located in a thoughtfully designed community where each home is individually built--never mass-produced--you'll also enjoy resort-style amenities including a pool with lap lanes, fitness center, luxury clubhouse, pickleball and tennis courts, and a playground. All of this just 4 short miles from the beach, shopping, dining, entertainment, and 10 miles to the Northwest Florida Beaches International Airport. If you've been searching for a home that offers the quality of new construction, the upgrades of a custom build, and the ease of being completely move-in ready--this is an opportunity not to be missed.

First: 1

First: 1

First: 1

First: 1

Gunite Concrete: 1

Inground: 1

Pool/Spa Combo: 1

Screened In: 1

Waterfall: 1

Cooktop - Gas: 1

Dishwasher: 1

Disposal: 1

Microwave: 1

Oven - Electric: 1

Refrigerator: 1

Water Heater - Gas: 1

Water Heater - Tankless: 1

Ceiling - Raised: 1

Floor - Vinyl Plank: 1

Kitchen Island: 1

Pantry: 1

Split Bedroom: 1

Window - Treatment All: 1

Brick Veneer: 1

Foundation - Slab on Grade: 1

Roof - Asphalt: 1

Siding - Hardie Board: 1

Patio Covered: 1

Porch Covered: 1

Sprinkler System: 1

Storm Doors: 1

Storm Windows: 1

Tinted Windows: 1

Accounting: 1

Community Room: 1

Exercise Room: 1

Gated Community: 1

Ground Keeping: 1

Insurance: 1

Management: 1

Playground: 1

Pool: 1

Tennis: 1

Cash: 1

Conventional: 1

FHA: 1

VA: 1

Negotiable: 1

Ceiling - Tray: 1

Smart Home: 1

First: 1

First: 1

Dead End: 1

Interior Lot: 1

Landscaped: 1

Subdivision - Recorded: 1

Survey Available: 1

State Highway: 1

Paved Road: 1

Driveway: 1

Garage Attached: 1

Garage Door Opener: 1

Paver Block: 1

MBath Shower Only: 1

Resid Single Family: 1

Community Room: 1

Exercise Room: 1

Gated Community: 1

Pool: 1

Tennis: 1

Pickle Ball: 1

Sidewalks: 1

Bedroom: 1

Bonus Room: 1

Dining Room: 1

Garage: 1

Kitchen: 1

Living Room: 1

Master Bedroom: 1

Other: 1

ShowingTime: 1

Electricity - Connected: 1

Natural Gas - Connected: 1

Public Sewer - Connected: 1

Public Water - Connected: 1

Underground Utilities: 1

Lake: 1

As Is: 1

First: 1

First: 1

Ceiling Fan(s): 1

Central Air: 1

Electric: 1

Central: 1

Electric: 1