12590 Emerald Lake Drive, Panama City Beach, FL 32407 (MLS# 788503)

12590 Emerald Lake Drive, Panama City Beach, FL 32407

$400,000

Your beach access! World's most beautiful beaches, Panama City Beach!

Property Type: Residential Bedrooms: 3 Baths: 2 Square Footage: 1,211 Lot Size (sq. ft.): 6,360 Status: Sold

Current Price: $400,000 List Date: 4/17/2026 Last Modified: 7/17/2026

Overview

Description

'CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS' Beautifully maintained and thoughtfully updated 3-bedroom, 2-bath beach home is ideally situated on a quiet cul-de-sac in the heart of the central beach area. Designed with a light, airy coastal aesthetic, the interior features fresh paint throughout and stylish finishes that create a relaxed, move-in-ready retreat. The spacious 21×15 living room is enhanced by vaulted ceilings, offering an open and inviting atmosphere. The kitchen is both functional and appealing, featuring stainless steel appliances, cream-colored solid surface countertops, and crisp white cabinetry. Durable vinyl wood plank flooring runs throughout most of the home, combining style with easy maintenance. A desirable split-bedroom floor plan provides privacy, with a well-appointed primary suite offering dual closets and an updated en-suite bath complete with dual vanities, marble countertops, upgraded fixtures, and designer touches including coastal-insp … (Read more)

Listing Details MLS# 788503

Contract Info

List Price/SqFt: 346.82

Location

Area: 03 – Bay County – Beach
Street #: 12590
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: No
Parcel ID: 34170-116-000
Elementary School: Hutchison Beach
Middle School: Surfside
High School: Arnold
Directions: Take Panama City Beach Parkway West, turn right at the light onto Clara Ave., take your first right onto Emerald Lake Drive. 2nd home on the right. Street is a cul-de-sac.
Legal Description: EMERALD LAKE ESTATES LOT 16 ORB 1365 P 456

General Property Info

Sub-Type: Detached Single Family
Design: Beach House
Apx SqFt(Htd/Cooled): 1211
SqFt Source: Prop App Site
Full Baths: 2
Total Baths: 2
Year Built: 1991
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: 2
Lot Dimensions: 60×106
Acreage: 0.15
Lot Size (SqFt): 6360
Pool: No

Status Change Info

Under Contract Date: 2026-06-08
Sold Date: 2026-07-17
Sold Price/SqFt: 330.31
Sold Price/Acre: 2666666.67

Listing Info, Tax and Legal

HOA Fee: No
New Buyer Fee: No
Last Taxes: 2580
Last Tax Year: 2025
Brokerage Interest: No Interest

Remarks & Misc

Remarks: 'CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS' Beautifully maintained and thoughtfully updated 3-bedroom, 2-bath beach home is ideally situated on a quiet cul-de-sac in the heart of the central beach area. Designed with a light, airy coastal aesthetic, the interior features fresh paint throughout and stylish finishes that create a relaxed, move-in-ready retreat. The spacious 21×15 living room is enhanced by vaulted ceilings, offering an open and inviting atmosphere. The kitchen is both functional and appealing, featuring stainless steel appliances, cream-colored solid surface countertops, and crisp white cabinetry. Durable vinyl wood plank flooring runs throughout most of the home, combining style with easy maintenance. A desirable split-bedroom floor plan provides privacy, with a well-appointed primary suite offering dual closets and an updated en-suite bath complete with dual vanities, marble countertops, upgraded fixtures, and designer touches including coastal-inspired accents. Two additional bedrooms share a full bath with an upgraded vanity, lighting and plumbing fixtures. Step outside to enjoy a fully fenced backyard with well-maintained landscaping, supported by a sprinkler system on a newly installed shallow well pump. The outdoor space also includes a storage building and a shaded patio-perfect for relaxing or entertaining. Energy efficiency is a standout feature, with paid off solar panels keeping the current owner's electric bill at approximately $40 per month. Located just minutes from the beach, this home offers easy access to local favorites including Pier Park, Pirates Voyage Dinner & Show, and Topgolf Panama City Beach, along with shopping, dining and other entertainment options. Whether you're looking for a primary residence, vacation getaway, or investment opportunity, this home delivers the perfect blend of comfort, style, and location.

More Information

Deck/Patio

First: Yes

Dining Room

First: Yes

Garage

First: Yes

Other

First: Yes

Appliances

Dishwasher: Yes
Disposal: Yes
Microwave: Yes
Range – Electric: Yes
Refrigerator: Yes
Water Heater – Gas: Yes
Water Heater – Tankless: Yes

Interior Features

Ceiling – Cathedral: Yes
Floor – Tile: Yes
Floor – Vinyl Plank: Yes
Split Bedroom: Yes
Window – Treatment Some: Yes

Construction/Siding

Foundation – Slab on Grade: Yes
Wood/Frame: Yes
Roof – Composite Shngl: Yes
Roof – Dimensional Shg: Yes
Siding – Stucco: Yes

Exterior

Double Pane Windows: Yes
Fenced Back Yard: Yes
Patio Open: Yes
Porch Covered: Yes
Sprinkler System: Yes

Other Structures

Shed(s): Yes

Financing

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

Furnished

Unfurnished: Yes

Kitchen

First: Yes

Living Room

First: Yes

Lot Features

Interior Lot: Yes
Near Beach Access: Yes
Subdivision – Recorded: Yes
Survey Available: Yes
Within 1/2 Mile to Water: Yes

Lot Access

Paved Road: Yes

Parking Features

Driveway: Yes
Garage Attached: Yes

Present Zoning

Resid Single Family: Yes

Rooms

Bedroom: Yes
Deck/Patio: Yes
Dining Room: Yes
Full Bathroom: Yes
Garage: Yes
Kitchen: Yes
Living Room: Yes
Primary Bathroom: Yes
Primary Bedroom: Yes
Other: Yes

Utilities

Cable – Available: Yes
Electricity – Connected: Yes
Garbage: Yes
Natural Gas – Connected: Yes
Private Well: Yes
Public Sewer – Connected: Yes
Public Water – Connected: Yes
Solar: Yes

Sale Type

As Is: Yes

Full Bathroom

First: Yes

Primary Bedroom

First: Yes

Bedroom

First: Yes

Cooling

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

Heating

Central: Yes
Electric: Yes

Primary Bdrm/Primary Bath

MBath Double Vanity: Yes
MBath Shower Only: Yes

Primary Bath/Primary Bdrm

MBath Shower/Tub Combo: Yes

Primary Bathroom

First: Yes

Property Features

Appliances: Dishwasher; Disposal; Microwave; Range – Electric; Refrigerator; Water Heater – Gas; Water Heater – Tankless Full Bathroom: First Primary Bedroom: First Bedroom: First Cooling: Ceiling Fan(s); Central Air; Electric Heating: Central; Electric Exterior: Double Pane Windows; Fenced Back Yard; Patio Open; Porch Covered; Sprinkler System Financing: Cash; Conventional; FHA; VA Furnished: Unfurnished Kitchen: First Living Room: First Lot Features: Interior Lot; Near Beach Access; Subdivision – Recorded; Survey Available; Within 1/2 Mile to Water Lot Access: Paved Road Primary Bathroom: First Dining Room: First Garage: First Other: First Parking Features: Driveway; Garage Attached Other Structures: Shed(s) Rooms: Bedroom; Deck/Patio; Dining Room; Full Bathroom; Garage; Kitchen; Living Room; Primary Bathroom; Primary Bedroom; Other Sale Type: As Is Utilities: Cable – Available; Electricity – Connected; Garbage; Natural Gas – Connected; Private Well; Public Sewer – Connected; Public Water – Connected; Solar Present Zoning: Resid Single Family

Room Information

Room Name	Level	Dimensions	Length	Width	Remarks
Bedroom	First	13 x 10	13.00	10.00
Bedroom	First	11 x 10	11.00	10.00
Primary Bedroom	First	16 x 12.5	16.00	12.50
Primary Bathroom	First	8.5 x 9.5	8.50	9.50
Full Bathroom	First	8 x 5	8.00	5.00
Living Room	First	21 x 15	21.00	15.00
Dining Room	First	10 x 8	10.00	8.00
Kitchen	First	9 x 10	9.00	10.00
Garage	First	26 x 18	26.00	18.00
Deck/Patio	First	10 x 8	10.00	8.00
Other	First	10 x 7	10.00	7.00	shed

Listing Office: Coldwell Banker Realty

Last Updated: July – 17 – 2026

Information deemed reliable but not guaranteed.