12560 Emerald Lake Drive, Panama City Beach, FL 32407
New Listing
$780,000
Property Type:
Residential
Bedrooms:
3
Baths:
3
Square Footage:
2,597
Lot Size (sq. ft.):
7,841
Status:
Active
Current Price:
$780,000
List Date:
3/20/2026
Last Modified:
3/20/2026
Description
Builder’s Personal Custom built Luxury Home on a natural Lake in this Prime Panama City Beach Location! This stunning home is situated on a cul-de-sac and offers the perfect blend of privacy, elegance, and convenience–just two blocks from the World’s Most beautiful beaches in Panama City Beach and moments from Pier Park dining and shopping, Top Golf, the new Dolly Parton Pirates Voyage dinner shows, and convenient to some of the beaches top-rated schools. Built in 2020 to the highest hurricane standards with upgraded doors and windows, this home has been thoughtfully designed inside and out. Step inside to find luxury vinyl plank flooring, shiplap accents in every primary room, and an inviting open-concept floorplan that flows seamlessly from the living room to the dining area and into the chef’s kitchen. The kitchen is a showstopper, featuring quartz countertops, beautiful backsplash,a stainless steel appliances with dual oven electric stove, a pot filler, top-of-the-line slide-out microwave drawer, and soft-close shaker cabinets–perfect for entertaining or everyday living. Enjoy year-round comfort with a Rinnai tankless water heater providing endless hot water, plus hot and cold exterior faucets for convenience. The cozy enclosed patio room is used as an extra den and is the perfect spot for relaxing and overlooking the private natural lake, creating a peaceful setting for morning coffee or evening gatherings. This home offers flexibility with a bonus room/office on the main floor and an upstairs loft that can easily serve as a second office, media area, or playroom. The oversized garage is extra deep and includes a third golf cart door, ceiling fans, and additional golf cart parking alongside the home–ideal for a small boat.
The Additional highlights include: Private cul-de-sac location on a secluded lake Enclosed sunroom with lake views, Extra storage and parking options only Minutes to schools, shopping, entertainment, and the beach. This property truly checks every box: prime location, quality construction, modern updates, and a serene setting. Don’t miss this rare opportunity to own a custom builder’s personal home in the heart of Panama City Beach! No HOA fees!!!!
More Information MLS# 787111
Listing Info, Tax and Legal
Homestead: Yes
HOA Fee: No
Senior Community: No
Is Subject Leased: No
New Buyer Fee: No
Last Taxes: 3237
Last Tax Year: 2025
Lot: 13
Brokerage Interest: No Interest
As Is: No
Section: 27
Township: 3S
Range: 16W
Condo Doc: No
Contract Info
List Price/SqFt: 300.35
Status: Active
List Date: 2026-03-14
List Price: $780,000
Current Price: $780,000
Location
Sub Area: 0320 – Beach – Middle Central
Community/Resort: None
Waterfront: Yes
Gulf Access: No
Elementary School: Hutchison Beach
Middle School: Surfside
High School: Arnold
Directions: From HWY 98 AKA PANAMA CITY BEACH PARKWAY and Navy Blvd. go west to Clara Ave. and take a left. Then take the first left onto Emerald Lake Dr. Home will be on the left.
Area: 03 – Bay County – Beach
Street #: 12560
Street Name: Emerald Lake
Street Suffix: Drive
State: FL
Zip Code: 32407
County: Bay
Subdivision: Emerald Lake Estates
Parcel ID: 34170-113-000
Legal Description: EMERALD LAKE ESTATES LOT 13 ORB 4021 P 562
General Property Info
Acreage: 0.18
Design: Contemporary
Lot Size (SqFt): 7841
Apx SqFt(Htd/Cooled): 2597
Immediate Occupancy: Yes
Construction Status: Construction Complete
SqFt Source: Builders Plans
Half Baths: 1
# of Stories in Building: 2
Lot Dimensions: 75 x 106
New Construction: No
Garage Y/N: Yes
Garage Spaces: 2
Driveway Spaces: 23
Pool: No
Sub-Type: Detached Single Family
Bedrooms: 3
Full Baths: 2
Total Baths: 3
Year Built: 2019
Remarks & Misc
Remarks: Builder’s Personal Custom built Luxury Home on a natural Lake in this Prime Panama City Beach Location! This stunning home is situated on a cul-de-sac and offers the perfect blend of privacy, elegance, and convenience–just two blocks from the World’s Most beautiful beaches in Panama City Beach and moments from Pier Park dining and shopping, Top Golf, the new Dolly Parton Pirates Voyage dinner shows, and convenient to some of the beaches top-rated schools. Built in 2020 to the highest hurricane standards with upgraded doors and windows, this home has been thoughtfully designed inside and out. Step inside to find luxury vinyl plank flooring, shiplap accents in every primary room, and an inviting open-concept floorplan that flows seamlessly from the living room to the dining area and into the chef’s kitchen. The kitchen is a showstopper, featuring quartz countertops, beautiful backsplash,a stainless steel appliances with dual oven electric stove, a pot filler, top-of-the-line slide-out microwave drawer, and soft-close shaker cabinets–perfect for entertaining or everyday living. Enjoy year-round comfort with a Rinnai tankless water heater providing endless hot water, plus hot and cold exterior faucets for convenience. The cozy enclosed patio room is used as an extra den and is the perfect spot for relaxing and overlooking the private natural lake, creating a peaceful setting for morning coffee or evening gatherings. This home offers flexibility with a bonus room/office on the main floor and an upstairs loft that can easily serve as a second office, media area, or playroom. The oversized garage is extra deep and includes a third golf cart door, ceiling fans, and additional golf cart parking alongside the home–ideal for a small boat.
The Additional highlights include: Private cul-de-sac location on a secluded lake Enclosed sunroom with lake views, Extra storage and parking options only Minutes to schools, shopping, entertainment, and the beach. This property truly checks every box: prime location, quality construction, modern updates, and a serene setting. Don’t miss this rare opportunity to own a custom builder’s personal home in the heart of Panama City Beach! No HOA fees!!!!
Balcony
Second: 1
Deck/Patio
First: 1
Dining Room
First: 1
Foyer
First: 1
Garage
First: 1
Laundry
Second: 1
Master Bathroom
Second: 1
Office
First: 1
Sun Room
First: 1
Appliances
Cooktop – Electric: 1
Dishwasher: 1
Disposal: 1
Microwave: 1
Oven – Electric: 1
Range – Electric: 1
Refrigerator: 1
Other: 1
Interior Features
Breakfast Bar: 1
Ceiling – Crwn Molding: 1
Fireplace: 1
Floor – Tile: 1
Floor – Vinyl Plank: 1
Lighting – Recessed: 1
Pantry: 1
Security System: 1
Stairs: 1
Window – Treatment Some: 1
Construction/Siding
Foundation – Slab on Grade: 1
Roof – Metal: 1
Siding – Hardie Board: 1
Other – See Remarks: 1
Exterior
Balcony: 1
Deck Open: 1
Double Pane Windows: 1
Fenced Back Yard: 1
Fenced Lot-Part: 1
Fenced Privacy: 1
Fire Pit: 1
Patio Open: 1
Sprinkler System: 1
Waterfront Feature
Dock: 1
Waterfront Feet: 75
Financing
Cash: 1
Conventional: 1
VA: 1
Furnished
Unfurnished: 1
Interior
Bonus Room: 1
Floor – Carpet: 1
Insulated Doors: 1
Kitchen
First: 1
Living Room
First: 1
Lot Features
Cul-De-Sac: 1
Dead End: 1
Landscaped: 1
Near Beach Access: 1
Survey Available: 1
Waterfront: 1
Within 1/2 Mile to Water: 1
Lot Access
Paved Road: 1
Parking Features
Boat: 1
Driveway: 1
Garage Attached: 1
Garage Door Opener: 1
Golf Cart Garage: 1
Other – See Remarks: 1
Paved: 1
Mstr Bath / Mstr Bdrm
MBath Separate Shwr: 1
MBath Walk-In Closet: 1
MBath Whirlpool: 1
MBed Waterfront: 1
Present Zoning
City: 1
Resid Single Family: 1
Rooms
Balcony: 1
Bedroom: 1
Deck/Patio: 1
Dining Room: 1
Foyer: 1
Full Bathroom: 1
Garage: 1
Half Bathroom: 1
Kitchen: 1
Laundry: 1
Living Room: 1
Master Bathroom: 1
Master Bedroom: 1
Office: 1
Sun Room: 1
Utilities
Cable – Available: 1
TV Cable: 1
Electricity – Connected: 1
Natural Gas – Connected: 1
Public Sewer – Connected: 1
Public Water – Connected: 1
Other – See Remarks: 1
Waterview
Lake: 1
Full Bathroom
Second: 1
Half Bathroom
First: 1
Waterfront Type
Lakefront: 1
Master Bedroom
Second: 1
Bedroom
Second: 1
Cooling
Ceiling Fan(s): 1
Central Air: 1
Electric: 1
Heating
Central: 1
Electric: 1
Fireplace – Electric: 1
Natural Gas: 1
Security Features
Fire Alarm: 1
Security Lights: 1
Security System: 1
Security System Owned: 1
Smoke Detector(s): 1
Property Features
Appliances: Cooktop – Electric; Dishwasher; Disposal; Microwave; Oven – Electric; Range – Electric; Refrigerator; Other
Full Bathroom: Second
Half Bathroom: First
Master Bedroom: Second
Bedroom: Second
Cooling: Ceiling Fan(s); Central Air; Electric
Heating: Central; Electric; Fireplace – Electric; Natural Gas
Exterior: Balcony; Deck Open; Double Pane Windows; Fenced Back Yard; Fenced Lot-Part; Fenced Privacy; Fire Pit; Patio Open; Sprinkler System
Financing: Cash; Conventional; VA
Furnished: Unfurnished
Interior: Bonus Room; Floor – Carpet; Insulated Doors
Kitchen: First
Living Room: First
Lot Features: Cul-De-Sac; Dead End; Landscaped; Near Beach Access; Survey Available; Waterfront; Within 1/2 Mile to Water
Lot Access: Paved Road
Balcony: Second
Master Bathroom: Second
Dining Room: First
Foyer: First
Garage: First
Laundry: Second
Office: First
Security Features: Fire Alarm; Security Lights; Security System; Security System Owned; Smoke Detector(s)
Sun Room: First
Parking Features: Boat; Driveway; Garage Attached; Garage Door Opener; Golf Cart Garage; Other – See Remarks; Paved
Rooms: Balcony; Bedroom; Deck/Patio; Dining Room; Foyer; Full Bathroom; Garage; Half Bathroom; Kitchen; Laundry; Living Room; Master Bathroom; Master Bedroom; Office; Sun Room
Utilities: Cable – Available; TV Cable; Electricity – Connected; Natural Gas – Connected; Public Sewer – Connected; Public Water – Connected; Other – See Remarks
Waterfront Type: Lakefront
Waterfront Feature: Dock
Waterview: Lake
Present Zoning: Resid Single Family
Room Information
Living Room
Level: First
Dimensions: 22.5 x 15
Length: 22.50
Width: 15.00
Dimensions: 22.5 x 15
Remarks: GREAT VIEWS
Dining Room
Level: First
Dimensions: 10 x 11
Length: 10.00
Width: 11.00
Dimensions: 10 x 11
Remarks: OPEN TO LIVING ROOM
Kitchen
Level: First
Dimensions: 23 x 13
Length: 23.00
Width: 13.00
Dimensions: 23 x 13
Remarks: FANTASTIC KITCHEN
Office
Level: First
Dimensions: 11 x 7.5
Length: 11.00
Width: 7.50
Dimensions: 11 x 7.5
Remarks: USED AS PRIVATE EXTRA DEN
Sun Room
Level: First
Dimensions: 15 x 10
Length: 15.00
Width: 10.00
Dimensions: 15 x 10
Remarks: GREAT VIEWS OF LAKE
Garage
Level: First
Dimensions: 12 x 10
Length: 12.00
Width: 10.00
Dimensions: 12 x 10
Remarks: WORKSHOP OR GOLF CART
Garage
Level: First
Dimensions: 24 x 24
Length: 24.00
Width: 24.00
Dimensions: 24 x 24
Remarks: PLUS GOLF CART SPACE
Foyer
Level: First
Dimensions: 10 x 5
Length: 10.00
Width: 5.00
Dimensions: 10 x 5
Remarks: NICE FRONT ENTRY
Half Bathroom
Level: First
Dimensions: 7 x 3
Length: 7.00
Width: 3.00
Dimensions: 7 x 3
Remarks: DOWNSTAIRS
Laundry
Level: Second
Dimensions: 5.8 x 9.8
Length: 5.80
Width: 9.80
Dimensions: 5.8 x 9.8
Remarks: CONVENIENT AREA UPSTAIRS
Balcony
Level: Second
Dimensions: 6 x 4
Length: 6.00
Width: 4.00
Dimensions: 6 x 4
Remarks: ADDS CHARACTER
Deck/Patio
Level: First
Dimensions: 10 x 10
Length: 10.00
Width: 10.00
Dimensions: 10 x 10
Remarks: OUTSIDE IN BACK
Master Bedroom
Level: Second
Dimensions: 14.6 x 12
Length: 14.60
Width: 12.00
Dimensions: 14.6 x 12
Remarks: GREAT VIEWS/ LARGE CLOSET
Master Bathroom
Level: Second
Remarks: EXTRA LARGE VERY NICE
Bedroom
Level: Second
Dimensions: 14.6 x 12.1
Length: 14.60
Width: 12.10
Dimensions: 14.6 x 12.1
Remarks: UPSTAIRS
Bedroom
Level: Second
Dimensions: 13.6 x 12
Length: 13.60
Width: 12.00
Dimensions: 13.6 x 12
Remarks: UPSTAIRS
Full Bathroom
Level: Second
Dimensions: 13 x 5.8
Length: 13.00
Width: 5.80
Dimensions: 13 x 5.8
Remarks: VERY NICE
Listing Office:
CENTURY 21 Ryan Realty Inc
Last Updated: March – 20 – 2026
Information deemed reliable but not guaranteed.