114 Lake Merial Trail, Panama City, FL 32409 (MLS# 789169)

114 Lake Merial Trail, Panama City, FL 32409

$589,000

Virtual Tour

https://my.matterport.com/show/?m=kq6vKrwD8h7&brand=0&mls=1&

Virtually Staged: Mud Room + Office (Bonus Room)

Property Type: Residential Bedrooms: 4 Baths: 3 Square Footage: 2,405 Lot Size (sq. ft.): 24,829 Status: Active

Current Price: $589,000 List Date: 4/30/2026 Last Modified: 6/05/2026

Overview

Description

SELLER NOW OFFERING $10,000 TOWARDS BUYER CLOSING COSTS, RATE BUY-DOWN & MORE! Welcome to 114 Lake Merial Trail, an exceptional 2026 custom-built residence gracefully positioned on .57 acres within the highly sought-after Lake Merial community. Surrounded by untouched wooded parcels on both sides and backing to serene natural landscape, this property offers a rare level of privacy and tranquility. Enjoy peaceful mornings and golden-hour evenings where native wildlife, including white-tailed deer, become part of your everyday backdrop. Designed with both elegance and functionality in mind, the home features a well-executed split floor plan, placing three guest bedrooms privately opposite the primary suite. At the heart of the home, the designer kitchen makes a striking impression with Satori Calcatta Dorado porcelain tile backsplash, quartz countertops, custom soft-close cabinetry, a statement island, and a range hood centerpiece. A farmhouse sink perfectly frames the picture … (Read more) SELLER NOW OFFERING $10,000 TOWARDS BUYER CLOSING COSTS, RATE BUY-DOWN & MORE! Welcome to 114 Lake Merial Trail, an exceptional 2026 custom-built residence gracefully positioned on .57 acres within the highly sought-after Lake Merial community. Surrounded by untouched wooded parcels on both sides and backing to serene natural landscape, this property offers a rare level of privacy and tranquility. Enjoy peaceful mornings and golden-hour evenings where native wildlife, including white-tailed deer, become part of your everyday backdrop. Designed with both elegance and functionality in mind, the home features a well-executed split floor plan, placing three guest bedrooms privately opposite the primary suite. At the heart of the home, the designer kitchen makes a striking impression with Satori Calcatta Dorado porcelain tile backsplash, quartz countertops, custom soft-close cabinetry, a statement island, and a range hood centerpiece. A farmhouse sink perfectly frames the picturesque views of mature oak and pine trees beyond. The oversized, customized walk-in pantry offers abundant storage, while a conveniently located half bath enhances the space for entertaining. Refined finishes carry throughout, including 10-foot ceilings, 8-foot single-panel doors, recessed lighting, and custom closet systems in every bedroom. The primary suite is a true retreat, featuring a dual vanity and an expansive floor-to-ceiling tiled shower with built-in bench. The warm tones of luxury vinyl plank flooring pair beautifully with the timeless Greek Villa paint palette, creating a cohesive and elevated interior aesthetic. A versatile mudroom off the two-car garage offers flexible use as a home office, nursery, playroom, or additional storage space, adapting effortlessly to your lifestyle needs. Built with energy efficiency in mind, the home includes spray foam insulation, 2×6 exterior wall framing, and generous attic storage. A private well-fed irrigation system keeps landscaping lush while maintaining low utility costs, and the extended driveway provides ample parking for guests. Lake Merial is known for its 300-acre spring-fed lake, ideal for kayaking, paddleboarding, and fishing, along with scenic walking trails, green spaces, and a vibrant calendar of community events. From festive holiday celebrations to food truck nights and golf cart-friendly streets, this neighborhood offers a lifestyle that is both relaxed and engaging. Residents enjoy convenient access to the pristine, spring-fed waters of Lake Merial through three designated community access points. Two of these locations are ideal for launching kayaks, canoes, and paddleboards, while a larger, primary access area accommodates fishing boats–offering effortless enjoyment of the lake’s recreational lifestyle. A rare opportunity to own a newly constructed, never-lived-in home with exceptional privacy, refined finishes, and access to one of Bay County’s most desirable communities. Schedule your private showing and experience the lifestyle that sets Lake Merial apart.

Listing Details MLS# 789169

Contract Info

List Price/SqFt: 244.91

Location

Area: 04 – Bay County – North
Street #: 114
Street Name: Lake Merial
Street Suffix: Trail
State: FL
Zip Code: 32409
County: Bay
Sub Area: 0413 – Bay North – Youngstown Area
Subdivision: Lake Merial Phase One
Community/Resort: None
Waterfront: No
Parcel ID: 07504-247-000
Elementary School: Deane Bozeman
Middle School: Deane Bozeman
High School: Deane Bozeman
Directions: From Walmart Supercenter in Lynn Haven, head north on FL-77. Continue onto Hwy 77 for approximately 12 miles. Lake Merial gated subdivision will be located on the right. Enter through gate, and then proceed approximately .2 miles. Take your first right at the stop sign. Proceed approximately .3 miles and 114 Lake Merial Trail will be located on your right.
Legal Description: Lot 147, Lake Merial Phase One, according to the map or play thereof, as recorded in Plat Book 22, Page(s) 4 to 7, of the Public Records of Bay County, Florida.

General Property Info

Sub-Type: Detached Single Family
Design: Contemporary
Apx SqFt(Htd/Cooled): 2405
SqFt Source: Agent Measured
Full Baths: 2
Half Baths: Yes
Total Baths: 3
Year Built: 2026
Immediate Occupancy: Yes
Construction Status: Construction Complete
New Construction: Yes
Garage Y/N: Yes
Garage Spaces: 2
Lot Dimensions: 110 x 227 x 110 x 227
Acreage: 0.57
Lot Size (SqFt): 24829
Pool: No

Listing Info, Tax and Legal

Homestead: No
HOA Fee: Yes
HOA Amount: 353
HOA Frequency: Quarterly
HOA Annual Amount: 1412
New Buyer Fee: No
Last Taxes: 2282
Last Tax Year: 2025
Brokerage Interest: Familial Interest – Listing Broker/Licensee related to owner.
As Is: Yes

Remarks & Misc

Remarks: SELLER NOW OFFERING $10,000 TOWARDS BUYER CLOSING COSTS, RATE BUY-DOWN & MORE! Welcome to 114 Lake Merial Trail, an exceptional 2026 custom-built residence gracefully positioned on .57 acres within the highly sought-after Lake Merial community. Surrounded by untouched wooded parcels on both sides and backing to serene natural landscape, this property offers a rare level of privacy and tranquility. Enjoy peaceful mornings and golden-hour evenings where native wildlife, including white-tailed deer, become part of your everyday backdrop. Designed with both elegance and functionality in mind, the home features a well-executed split floor plan, placing three guest bedrooms privately opposite the primary suite. At the heart of the home, the designer kitchen makes a striking impression with Satori Calcatta Dorado porcelain tile backsplash, quartz countertops, custom soft-close cabinetry, a statement island, and a range hood centerpiece. A farmhouse sink perfectly frames the picturesque views of mature oak and pine trees beyond. The oversized, customized walk-in pantry offers abundant storage, while a conveniently located half bath enhances the space for entertaining. Refined finishes carry throughout, including 10-foot ceilings, 8-foot single-panel doors, recessed lighting, and custom closet systems in every bedroom. The primary suite is a true retreat, featuring a dual vanity and an expansive floor-to-ceiling tiled shower with built-in bench. The warm tones of luxury vinyl plank flooring pair beautifully with the timeless Greek Villa paint palette, creating a cohesive and elevated interior aesthetic. A versatile mudroom off the two-car garage offers flexible use as a home office, nursery, playroom, or additional storage space, adapting effortlessly to your lifestyle needs. Built with energy efficiency in mind, the home includes spray foam insulation, 2×6 exterior wall framing, and generous attic storage. A private well-fed irrigation system keeps landscaping lush while maintaining low utility costs, and the extended driveway provides ample parking for guests. Lake Merial is known for its 300-acre spring-fed lake, ideal for kayaking, paddleboarding, and fishing, along with scenic walking trails, green spaces, and a vibrant calendar of community events. From festive holiday celebrations to food truck nights and golf cart-friendly streets, this neighborhood offers a lifestyle that is both relaxed and engaging. Residents enjoy convenient access to the pristine, spring-fed waters of Lake Merial through three designated community access points. Two of these locations are ideal for launching kayaks, canoes, and paddleboards, while a larger, primary access area accommodates fishing boats–offering effortless enjoyment of the lake's recreational lifestyle. A rare opportunity to own a newly constructed, never-lived-in home with exceptional privacy, refined finishes, and access to one of Bay County's most desirable communities. Schedule your private showing and experience the lifestyle that sets Lake Merial apart.

Bonus Room

First: Yes

More Information

Deck/Patio

First: Yes

Foyer

First: Yes

Garage

First: Yes

Master Bathroom

First: Yes

Pantry

First: Yes

Appliances

Cooktop – Electric: Yes
Dishwasher: Yes
Disposal: Yes
ENERGY STAR Qualified Appliances: Yes
Ice Maker: Yes
Microwave: Yes
Oven – Electric: Yes
Range – Electric: Yes
Refrigerator: Yes
Water Heater – Electric: Yes

Interior Features

Floor – Vinyl Plank: Yes
Kitchen Island: Yes
Lighting – Recessed: Yes
Split Bedroom: Yes

Construction/Siding

Foundation – Slab on Grade: Yes
Roof – Dimensional Shg: Yes
Siding – Hardie Board: Yes
Trim – Hardie Board: Yes

Exterior

Patio Covered: Yes
Porch Covered: Yes
Sprinkler System: Yes

Waterfront Feature

Boat Launch: Yes
Dock: Yes

Association Fees Include

Accounting: Yes
Beach: Yes
Boat Launch: Yes
Fishing: Yes
Ground Keeping: Yes
Management: Yes
Master Association: Yes

Financing

Cash: Yes
Conventional: Yes
FHA: Yes
USDA: Yes
VA: Yes

Furnished

Unfurnished: Yes

Kitchen

First: Yes

Living Room

First: Yes

Lot Features

Landscaped: Yes
Sidewalk: Yes
Within 1/2 Mile to Water: Yes

Lot Access

Gated Access: Yes
Paved Road: Yes

Parking Features

Driveway: Yes
Garage Attached: Yes
Garage Door Opener: Yes
Oversized: Yes
Paved: Yes

Mstr Bath / Mstr Bdrm

MBath Double Vanity: Yes
MBath Shower Only: Yes
MBed Walk-in Closet: Yes

Present Zoning

Resid Single Family: Yes

Association Amenities

Boat Launch: Yes
Fishing: Yes
Gated Community: Yes
Waterfront: Yes
Recreation Facilities: Yes
Sidewalks: Yes
Trail(s): Yes

Rooms

Bedroom: Yes
Bonus Room: Yes
Deck/Patio: Yes
Foyer: Yes
Full Bathroom: Yes
Garage: Yes
Half Bathroom: Yes
Kitchen: Yes
Living Room: Yes
Master Bathroom: Yes
Master Bedroom: Yes
Pantry: Yes

Showing

ShowingTime: Yes

Utilities

Electricity – Connected: Yes
Garbage: Yes
Private Well: Yes
Public Water – Connected: Yes
Underground Utilities: Yes

Sale Type

As Is: Yes

Full Bathroom

First: Yes

Half Bathroom

First: Yes

Master Bedroom

First: Yes

Bedroom

First: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes
Electric: Yes
ENERGY STAR Qualified Equipment: Yes

Heating

Central: Yes
Electric: Yes
ENERGY STAR Qualified Equipment: Yes

Security Features

Gated Community: Yes

Property Features

Appliances: Cooktop – Electric; Dishwasher; Disposal; ENERGY STAR Qualified Appliances; Ice Maker; Microwave; Oven – Electric; Range – Electric; Refrigerator; Water Heater – Electric Full Bathroom: First Half Bathroom: First Master Bedroom: First Bedroom: First Cooling: Ceiling Fan(s); Central Air; Electric; ENERGY STAR Qualified Equipment Heating: Central; Electric; ENERGY STAR Qualified Equipment Exterior: Patio Covered; Porch Covered; Sprinkler System Association Fees Include: Accounting; Beach; Boat Launch; Fishing; Ground Keeping; Management; Master Association Financing: Cash; Conventional; FHA; USDA; VA Furnished: Unfurnished Kitchen: First Living Room: First Lot Features: Landscaped; Sidewalk; Within 1/2 Mile to Water Lot Access: Gated Access; Paved Road Bonus Room: First Master Bathroom: First Foyer: First Garage: First Pantry: First Security Features: Gated Community Parking Features: Driveway; Garage Attached; Garage Door Opener; Oversized; Paved Association Amenities: Boat Launch; Fishing; Gated Community; Recreation Facilities; Sidewalks; Trail(s); Waterfront Rooms: Bedroom; Bonus Room; Deck/Patio; Foyer; Full Bathroom; Garage; Half Bathroom; Kitchen; Living Room; Master Bathroom; Master Bedroom; Pantry Sale Type: As Is Showing: ShowingTime Utilities: Electricity – Connected; Garbage; Private Well; Public Water – Connected; Underground Utilities Waterfront Feature: Boat Launch; Dock Present Zoning: Resid Single Family

Room Information

Room Name	Level	Dimensions	Length	Width	Remarks
Master Bedroom	First	15.6 x 16.7	15.60	16.70	Measurements are not exact; Buyer to verify
Master Bathroom	First	6.1 x 13.1	6.10	13.10	Measurements are not exact; Buyer to verify
Bedroom	First	15 x 10.11	15.00	10.11	Measurements are not exact; Buyer to verify
Bedroom	First	13.11 x 10.9	13.11	10.90	Measurements are not exact; Buyer to verify
Bedroom	First	12.7 x 10.1	12.70	10.10	Measurements are not exact; Buyer to verify
Full Bathroom	First	9.11 x 5.3	9.11	5.30	Measurements are not exact; Buyer to verify
Half Bathroom	First	6.8 x 4.1	6.80	4.10	Measurements are not exact; Buyer to verify
Kitchen	First	9.9 x 16.8	9.90	16.80	Measurements are not exact; Buyer to verify
Pantry	First	8.1 x 4.5	8.10	4.50	Measurements are not exact; Buyer to verify
Garage	First	21 x 17.6	21.00	17.60	Measurements are not exact; Buyer to verify
Bonus Room	First	21 x 9.2	21.00	9.20	Measurements are not exact; Buyer to verify
Living Room	First	16.11 x 25.8	16.11	25.80	Measurements are not exact; Buyer to verify
Deck/Patio	First	61.2 x 10.4	61.20	10.40	Measurements are not exact; Buyer to verify
Foyer	First	7.2 x 10.1	7.20	10.10	Measurements are not exact; Buyer to verify

Listing Office: ERA Neubauer Real Estate, Inc

Last Updated: June – 05 – 2026

Information deemed reliable but not guaranteed.