12560 Emerald Lake Drive, Panama City Beach, FL 32407 (MLS# 787111)

12560 Emerald Lake Drive, Panama City Beach, FL 32407

$780,000

1-web-or-mls-PANHANDLE - 12560 EMERALD L

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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: 4/14/2026

Overview

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 m … (Read more) 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!!!!

Listing Details MLS# 787111

Contract Info

List Price/SqFt: 300.35

Location

Area: 03 – Bay County – Beach
Street #: 12560
Street Name: Emerald Lake
Street Suffix: Drive
State: FL
Zip Code: 32407
County: Bay
Sub Area: 0320 – Beach – Middle Central
Subdivision: Emerald Lake Estates
Community/Resort: None
Waterfront: Yes
Gulf Access: No
Parcel ID: 34170-113-000
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.
Legal Description: EMERALD LAKE ESTATES LOT 13 ORB 4021 P 562

General Property Info

Sub-Type: Detached Single Family
Design: Contemporary
Apx SqFt(Htd/Cooled): 2597
SqFt Source: Builders Plans
Full Baths: 2
Half Baths: Yes
Total Baths: 3
# of Stories in Building: 2
Year Built: 2019
Immediate Occupancy: Yes
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: 2
Driveway Spaces: 23
Lot Dimensions: 75 x 106
Acreage: 0.18
Lot Size (SqFt): 7841
Pool: No

Waterfront Feature

Waterfront Feet: 75
Dock: Yes

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

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!!!!

More Information

Balcony

Second: Yes

Deck/Patio

First: Yes

Dining Room

First: Yes

Foyer

First: Yes

Garage

First: Yes

Laundry

Second: Yes

Master Bathroom

Second: Yes

Office

First: Yes

Sun Room

First: Yes

Appliances

Cooktop – Electric: Yes
Dishwasher: Yes
Disposal: Yes
Microwave: Yes
Oven – Electric: Yes
Range – Electric: Yes
Refrigerator: Yes
Other: Yes

Interior Features

Breakfast Bar: Yes
Ceiling – Crwn Molding: Yes
Fireplace: Yes
Floor – Tile: Yes
Floor – Vinyl Plank: Yes
Lighting – Recessed: Yes
Pantry: Yes
Security System: Yes
Stairs: Yes
Window – Treatment Some: Yes

Construction/Siding

Foundation – Slab on Grade: Yes
Roof – Metal: Yes
Siding – Hardie Board: Yes
Other – See Remarks: Yes

Exterior

Balcony: Yes
Deck Open: Yes
Double Pane Windows: Yes
Fenced Back Yard: Yes
Fenced Lot-Part: Yes
Fenced Privacy: Yes
Fire Pit: Yes
Patio Open: Yes
Sprinkler System: Yes

Financing

Cash: Yes
Conventional: Yes
VA: Yes

Furnished

Unfurnished: Yes

Interior

Bonus Room: Yes
Floor – Carpet: Yes
Insulated Doors: Yes

Kitchen

First: Yes

Living Room

First: Yes

Lot Features

Cul-De-Sac: Yes
Dead End: Yes
Landscaped: Yes
Near Beach Access: Yes
Survey Available: Yes
Waterfront: Yes
Within 1/2 Mile to Water: Yes

Lot Access

Paved Road: Yes

Parking Features

Boat: Yes
Driveway: Yes
Garage Attached: Yes
Garage Door Opener: Yes
Golf Cart Garage: Yes
Other – See Remarks: Yes
Paved: Yes

Mstr Bath / Mstr Bdrm

MBath Separate Shwr: Yes
MBath Walk-In Closet: Yes
MBath Whirlpool: Yes
MBed Waterfront: Yes

Present Zoning

City: Yes
Resid Single Family: Yes

Rooms

Balcony: Yes
Bedroom: Yes
Deck/Patio: Yes
Dining Room: Yes
Foyer: Yes
Full Bathroom: Yes
Garage: Yes
Half Bathroom: Yes
Kitchen: Yes
Laundry: Yes
Living Room: Yes
Master Bathroom: Yes
Master Bedroom: Yes
Office: Yes
Sun Room: Yes

Utilities

Cable – Available: Yes
TV Cable: Yes
Electricity – Connected: Yes
Natural Gas – Connected: Yes
Public Sewer – Connected: Yes
Public Water – Connected: Yes
Other – See Remarks: Yes

Waterview

Lake: Yes

Full Bathroom

Second: Yes

Half Bathroom

First: Yes

Waterfront Type

Lakefront: Yes

Master Bedroom

Second: Yes

Bedroom

Second: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes
Electric: Yes

Heating

Central: Yes
Electric: Yes
Fireplace – Electric: Yes
Natural Gas: Yes

Security Features

Fire Alarm: Yes
Security Lights: Yes
Security System: Yes
Security System Owned: Yes
Smoke Detector(s): Yes

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

Room Name	Level	Dimensions	Length	Width	Remarks
Living Room	First	22.5 x 15	22.50	15.00	GREAT VIEWS
Dining Room	First	10 x 11	10.00	11.00	OPEN TO LIVING ROOM
Kitchen	First	23 x 13	23.00	13.00	FANTASTIC KITCHEN
Office	First	11 x 7.5	11.00	7.50	USED AS PRIVATE EXTRA DEN
Sun Room	First	15 x 10	15.00	10.00	GREAT VIEWS OF LAKE
Garage	First	12 x 10	12.00	10.00	WORKSHOP OR GOLF CART
Garage	First	24 x 24	24.00	24.00	PLUS GOLF CART SPACE
Foyer	First	10 x 5	10.00	5.00	NICE FRONT ENTRY
Half Bathroom	First	7 x 3	7.00	3.00	DOWNSTAIRS
Laundry	Second	5.8 x 9.8	5.80	9.80	CONVENIENT AREA UPSTAIRS
Balcony	Second	6 x 4	6.00	4.00	ADDS CHARACTER
Deck/Patio	First	10 x 10	10.00	10.00	OUTSIDE IN BACK
Master Bedroom	Second	14.6 x 12	14.60	12.00	GREAT VIEWS/ LARGE CLOSET
Master Bathroom	Second				EXTRA LARGE VERY NICE
Bedroom	Second	14.6 x 12.1	14.60	12.10	UPSTAIRS
Bedroom	Second	13.6 x 12	13.60	12.00	UPSTAIRS
Full Bathroom	Second	13 x 5.8	13.00	5.80	VERY NICE

Listing Office: CENTURY 21 Ryan Realty Inc

Last Updated: April – 14 – 2026

Information deemed reliable but not guaranteed.