147 Lake Merial Shores Drive, Panama City, FL 32409 (MLS# 791960)

147 Lake Merial Shores Drive, Panama City, FL 32409

New Listing

$989,000

Virtual Tour

https://www.zillow.com/view-imx/6573eef8-0c5e-43b5-b1b6-fa37a3ee2fe1?wl=true&setAttribution=mls&initialViewType=pano

Virtually Staged guest bedroom/spare bedroom

Property Type: Residential Bedrooms: 6 Baths: 4 Square Footage: 4,182 Lot Size (sq. ft.): 49,658 Status: Active

Current Price: $989,000 List Date: 6/27/2026 Last Modified: 6/27/2026

Overview

Description

ASSUMABLE VA LOAN AVAILABLE WITH AN INCREDIBLE 2.25% INTEREST RATE!** Rarely does a property offer this much space, privacy, and waterfront lifestyle in one package. Set on 1.14 acres with approximately 110 feet of frontage along the crystal-clear waters of Lake Merial, 147 Lake Merial Shores is a 4,182-square-foot waterfront retreat designed for those who believe home should be the gathering place for every holiday, celebration, and family milestone. Featuring six bedrooms, a bonus room, three-car garage and expansive indoor and outdoor living spaces, this remarkable estate is where unforgettable lake memories are made. From the moment you enter, soaring ceilings and beautiful hardwood flooring create an impressive first impression. To the left of the foyer, a stunning floor-to-ceiling custom library provides the perfect setting for a private office, reading retreat, or study. The private library showcases a custom rolling ladder that glides effortlessly along the entire room. … (Read more) ASSUMABLE VA LOAN AVAILABLE WITH AN INCREDIBLE 2.25% INTEREST RATE!** Rarely does a property offer this much space, privacy, and waterfront lifestyle in one package. Set on 1.14 acres with approximately 110 feet of frontage along the crystal-clear waters of Lake Merial, 147 Lake Merial Shores is a 4,182-square-foot waterfront retreat designed for those who believe home should be the gathering place for every holiday, celebration, and family milestone. Featuring six bedrooms, a bonus room, three-car garage and expansive indoor and outdoor living spaces, this remarkable estate is where unforgettable lake memories are made. From the moment you enter, soaring ceilings and beautiful hardwood flooring create an impressive first impression. To the left of the foyer, a stunning floor-to-ceiling custom library provides the perfect setting for a private office, reading retreat, or study. The private library showcases a custom rolling ladder that glides effortlessly along the entire room. Formal living and dining spaces offer flexibility for gatherings, while a dedicated dining room area with a private bar creates an inviting atmosphere for hosting family celebrations and holiday dinners. The grand living room serves as the heart of the home, featuring dramatic 18-foot ceilings and expansive windows that frame picturesque views of the lake beyond. A beautiful wood burning fireplace creates a warm focal point, flanked by custom built-in cabinetry that provides both elegant display space and functional storage while enhancing the room’s timeless character. The well-appointed kitchen offers abundant cabinetry and storage throughout, including an extended custom storage area adjacent to the eat-in kitchen space, an uncommon and highly functional feature. A conveniently located half bath near the kitchen enhances the home’s thoughtful design and provides added comfort for guests during gatherings and special occasions. The spacious primary suite is located on the first floor, creating a private retreat separate from the additional bedrooms. Upstairs, you’ll find five generously sized bedrooms, two full bathrooms, and a massive bonus room large enough to serve as a home theater, game room, fitness area, or recreation space large enough for a pool table. Step outside and experience the true beauty of Lake Merial living. Outdoor living takes center stage with a covered back patio and an expansive paver terrace designed for entertaining and relaxation. A private paver pathway meanders through the backyard to the lakefront, creating a seamless connection to the waterfront lifestyle. Whether you’re launching a kayak, casting a line, enjoying a sunset cruise, or simply unwinding by the water, Lake Merial becomes an extension of your backyard. The meticulously maintained grounds create a park-like setting, offering plenty of space for outdoor entertaining, backyard barbecues, family gatherings, and making memories with friends and neighbors. Imagine spending Independence Day watching fireworks illuminate the lake, enjoying golf cart rides through the neighborhood, and ending the evening gathered around the water with family. This is more than a home–it’s a lifestyle. Lake Merial is one of Bay County’s most sought-after waterfront communities, centered around a beautiful 300-acre spring-fed lake known for its clear waters and year-round recreational opportunities. Residents enjoy community events, walking trails, green spaces, and food truck nights. Defined by its scale, waterfront setting, and enduring craftsmanship, 147 Lake Merial Shores stands as a distinguished Lake Merial residence, offering the space, privacy, and versatility to accommodate generations while creating an exceptional backdrop for everyday living. As one of only a handful of homes of this size situated directly on the water within Lake Merial, this remarkable property represents a rare opportunity to own one of the community’s most significant waterfron

Listing Details MLS# 791960

Contract Info

List Price/SqFt: 236.49

Location

Area: 04 – Bay County – North
Street #: 147
Street Name: Lake Merial Shores
Street Suffix: Drive
State: FL
Zip Code: 32409
County: Bay
Sub Area: 0413 – Bay North – Youngstown Area
Subdivision: Lake Merial Phase One
Community/Resort: None
Waterfront: Yes
Gulf Access: No
Parcel ID: 07504-128-000
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 left at the stop sign. Proceed approximately .5 miles and 147 Lake Merial Shores Dr. will be located on your left.
Legal Description: Lot 28, LAKE MERIAL PHASE ONE, according to the Plat as recorded in Plat Book 22, Pages 4, 5, 6, and 7, of the Public Records of Bay County, Florida (the ''Property'')

General Property Info

Sub-Type: Detached Single Family
Design: Traditional
Apx SqFt(Htd/Cooled): 4182
SqFt Source: Prop App Site
Full Baths: 3
Half Baths: Yes
Total Baths: 4
# of Stories in Building: 2
Year Built: 2013
Immediate Occupancy: Yes
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: 3
Driveway Spaces: 8
Lot Dimensions: 112.0 ft x 444.0 ft
Acreage: 1.14
Lot Size (SqFt): 49658
Pool: No

Waterfront Feature

Waterfront Feet: 110
Other – See Remarks: Yes

Listing Info, Tax and Legal

Homestead: Yes
HOA Fee: Yes
HOA Amount: 353
HOA Frequency: Quarterly
HOA Annual Amount: 1412
Senior Community: No
Is Subject Leased: No
New Buyer Fee: No
Last Taxes: 4889.15
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: Yes
Section: 20
Township: 1S
Range: 14W

Remarks & Misc

Remarks: ASSUMABLE VA LOAN AVAILABLE WITH AN INCREDIBLE 2.25% INTEREST RATE!** Rarely does a property offer this much space, privacy, and waterfront lifestyle in one package. Set on 1.14 acres with approximately 110 feet of frontage along the crystal-clear waters of Lake Merial, 147 Lake Merial Shores is a 4,182-square-foot waterfront retreat designed for those who believe home should be the gathering place for every holiday, celebration, and family milestone. Featuring six bedrooms, a bonus room, three-car garage and expansive indoor and outdoor living spaces, this remarkable estate is where unforgettable lake memories are made. From the moment you enter, soaring ceilings and beautiful hardwood flooring create an impressive first impression. To the left of the foyer, a stunning floor-to-ceiling custom library provides the perfect setting for a private office, reading retreat, or study. The private library showcases a custom rolling ladder that glides effortlessly along the entire room. Formal living and dining spaces offer flexibility for gatherings, while a dedicated dining room area with a private bar creates an inviting atmosphere for hosting family celebrations and holiday dinners. The grand living room serves as the heart of the home, featuring dramatic 18-foot ceilings and expansive windows that frame picturesque views of the lake beyond. A beautiful wood burning fireplace creates a warm focal point, flanked by custom built-in cabinetry that provides both elegant display space and functional storage while enhancing the room's timeless character. The well-appointed kitchen offers abundant cabinetry and storage throughout, including an extended custom storage area adjacent to the eat-in kitchen space, an uncommon and highly functional feature. A conveniently located half bath near the kitchen enhances the home's thoughtful design and provides added comfort for guests during gatherings and special occasions. The spacious primary suite is located on the first floor, creating a private retreat separate from the additional bedrooms. Upstairs, you'll find five generously sized bedrooms, two full bathrooms, and a massive bonus room large enough to serve as a home theater, game room, fitness area, or recreation space large enough for a pool table. Step outside and experience the true beauty of Lake Merial living. Outdoor living takes center stage with a covered back patio and an expansive paver terrace designed for entertaining and relaxation. A private paver pathway meanders through the backyard to the lakefront, creating a seamless connection to the waterfront lifestyle. Whether you're launching a kayak, casting a line, enjoying a sunset cruise, or simply unwinding by the water, Lake Merial becomes an extension of your backyard. The meticulously maintained grounds create a park-like setting, offering plenty of space for outdoor entertaining, backyard barbecues, family gatherings, and making memories with friends and neighbors. Imagine spending Independence Day watching fireworks illuminate the lake, enjoying golf cart rides through the neighborhood, and ending the evening gathered around the water with family. This is more than a home–it's a lifestyle. Lake Merial is one of Bay County's most sought-after waterfront communities, centered around a beautiful 300-acre spring-fed lake known for its clear waters and year-round recreational opportunities. Residents enjoy community events, walking trails, green spaces, and food truck nights. Defined by its scale, waterfront setting, and enduring craftsmanship, 147 Lake Merial Shores stands as a distinguished Lake Merial residence, offering the space, privacy, and versatility to accommodate generations while creating an exceptional backdrop for everyday living. As one of only a handful of homes of this size situated directly on the water within Lake Merial, this remarkable property represents a rare opportunity to own one of the community's most significant waterfron

More Information

Bonus Room

Second: Yes

Breakfast Room

First: Yes

Covered Porch

First: Yes

Deck/Patio

First: Yes

Dining Room

First: Yes

Garage

First: Yes

Library

First: Yes

Pantry

First: Yes

Appliances

Cooktop – Electric: Yes
Dishwasher: Yes
Disposal: Yes
Freezer: Yes
Ice Maker: Yes
Microwave: Yes
Oven – Electric: Yes
Range – Electric: Yes
Refrigerator: Yes
Water Heater – Electric: Yes

Interior Features

Breakfast Bar: Yes
Ceiling – Raised: Yes
Fireplace: Yes
Floor – Hardwood: Yes
Floor – Tile: Yes
Lighting – Recessed: Yes
Pantry: Yes
Wet Bar: Yes
Window – Treatment Some: Yes

Construction/Siding

Brick: Yes
Foundation – Slab on Grade: Yes
Roof – Dimensional Shg: Yes

Exterior

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

Association Fees Include

Accounting: Yes
Boat Launch: Yes
Fishing: Yes
Gated Community: Yes
Ground Keeping: Yes
Management: Yes
Master Association: Yes
Other – See Remarks: Yes

Financing

Assume w/int: Yes
Cash: Yes
Conventional: Yes
FHA: Yes
USDA: Yes
VA: Yes

Furnished

Unfurnished: Yes

Interior

Floor – Carpet: Yes

Kitchen

First: Yes

Lot Features

Cleared: Yes
Landscaped: Yes
Subdivision – Recorded: Yes
Sidewalk: Yes
Waterfront: Yes
Within 1/2 Mile to Water: Yes
Wooded: Yes

Lot Access

Gated Access: Yes
Private Road: Yes

Parking Features

Additional Parking: Yes
Driveway: Yes
Garage Attached: Yes
Oversized: Yes
Paved: Yes

Present Zoning

Resid Single Family: Yes

Association Amenities

Boat Launch: Yes
Dock: Yes
Fishing: Yes
Gated Community: Yes
Waterfront: Yes
Recreation Facilities: Yes
Sidewalks: Yes
Trail(s): Yes
Other – See Remarks: Yes

Rooms

Bedroom: Yes
Bonus Room: Yes
Breakfast Room: Yes
Covered Porch: Yes
Deck/Patio: Yes
Dining Room: Yes
Full Bathroom: Yes
Garage: Yes
Half Bathroom: Yes
Kitchen: Yes
Library: Yes
Primary Bathroom: Yes
Primary Bedroom: Yes
Pantry: Yes

Showing

ShowingTime: Yes

Utilities

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

Waterview

Lake: Yes

Sale Type

As Is: Yes

Full Bathroom

Second: Yes

Half Bathroom

First: Yes

Waterfront Type

Lakefront: Yes
See Remarks: Yes

Primary Bedroom

First: Yes

Bedroom

Second: Yes

Cooling

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

Heating

Central: Yes
Electric: Yes
Fireplace – Wood Burning: Yes

Primary Bdrm/Primary Bath

MBath Double Vanity: Yes
MBath Separate Shwr: Yes
MBath Tub – Soaking: Yes
MBed First Floor: Yes
MBed Walk-in Closet: Yes
MBed Waterfront: Yes

Primary Bathroom

First: Yes

Property Features

Appliances: Cooktop – Electric; Dishwasher; Disposal; Freezer; Ice Maker; Microwave; Oven – Electric; Range – Electric; Refrigerator; Water Heater – Electric Full Bathroom: Second Half Bathroom: First Primary Bedroom: First Bedroom: Second Cooling: Ceiling Fan(s); Central Air; Electric Heating: Central; Electric; Fireplace – Wood Burning Exterior: Patio Covered; Porch Covered; Sprinkler System Association Fees Include: Accounting; Boat Launch; Fishing; Gated Community; Ground Keeping; Management; Master Association; Other – See Remarks Financing: Assume w/int; Cash; Conventional; FHA; USDA; VA Furnished: Unfurnished Interior: Floor – Carpet Kitchen: First Lot Features: Cleared; Landscaped; Sidewalk; Subdivision – Recorded; Waterfront; Within 1/2 Mile to Water; Wooded Lot Access: Gated Access; Private Road Breakfast Room: First Bonus Room: Second Primary Bathroom: First Covered Porch: First Dining Room: First Garage: First Library: First Pantry: First Parking Features: Additional Parking; Driveway; Garage Attached; Oversized; Paved Association Amenities: Boat Launch; Dock; Fishing; Gated Community; Recreation Facilities; Sidewalks; Trail(s); Waterfront; Other – See Remarks Rooms: Bedroom; Bonus Room; Breakfast Room; Covered Porch; Deck/Patio; Dining Room; Full Bathroom; Garage; Half Bathroom; Kitchen; Library; Primary Bathroom; Primary Bedroom; Pantry Sale Type: As Is Showing: ShowingTime Utilities: TV Cable; Electricity – Connected; Garbage; Private Well; Public Sewer – Connected; Public Water – Connected; Underground Utilities Waterfront Type: Lakefront; See Remarks Waterfront Feature: Other – See Remarks Waterview: Lake Present Zoning: Resid Single Family

Room Information

Room Name	Level	Dimensions	Length	Width	Remarks
Primary Bedroom	First	15.2 x 15.11	15.20	15.11	Measurements are not exact; Buyer to verify
Primary Bathroom	First	15.2 x 10.1	15.20	10.10	Measurements are not exact; Buyer to verify
Bedroom	Second	13.5 x 15.5	13.50	15.50	Measurements are not exact; Buyer to verify
Bedroom	Second	13.1 x 10.11	13.10	10.11	Measurements are not exact; Buyer to verify
Bedroom	Second	15.2 x 10.11	15.20	10.11	Measurements are not exact; Buyer to verify
Bedroom	Second	11.8 x 10.9	11.80	10.90	Measurements are not exact; Buyer to verify
Bedroom	Second	17.11 x 10.11	17.11	10.11	Measurements are not exact; Buyer to verify
Bonus Room	Second	17.7 x 24.1	17.70	24.10	Measurements are not exact; Buyer to verify
Full Bathroom	Second	4.11 x 10.11	4.11	10.11	Measurements are not exact; Buyer to verify
Full Bathroom	Second	11.7 x 4.11	11.70	4.11	Measurements are not exact; Buyer to verify
Half Bathroom	First	6.6 x 5.3	6.60	5.30	Measurements are not exact; Buyer to verify
Library	First	15.2 x 13.4	15.20	13.40	Measurements are not exact; Buyer to verify
Dining Room	First	11.5 x 13.9	11.50	13.90	Measurements are not exact; Buyer to verify
Kitchen	First	18.3 x 17.1	18.30	17.10	Measurements are not exact; Buyer to verify
Pantry	First	5.11 x 5.3	5.11	5.30	Measurements are not exact; Buyer to verify
Breakfast Room	First	13 x 9.11	13.00	9.11	Measurements are not exact; Buyer to verify
Covered Porch	First	14.8 x 12.9	14.80	12.90	Measurements are not exact; Buyer to verify
Deck/Patio	First	44.2 x 12.4	44.20	12.40	Measurements are not exact; Buyer to verify
Garage	First	20.1 x 38.8	20.10	38.80	3 CAR GARAGE; Measurements are not exact; Buyer to verify

Listing Office: ERA Neubauer Real Estate, Inc

Last Updated: June – 27 – 2026

Information deemed reliable but not guaranteed.