251 Breakwater Boulevard, Panama City Beach, FL 32413 (MLS# 796399)

251 Breakwater Boulevard, Panama City Beach, FL 32413

New Listing

$759,900

Property Type: Residential Bedrooms: 3 Baths: 3 Square Footage: 2,548 Lot Size (sq. ft.): 4,792 Status: Active

Current Price: $759,900 List Date: 10/08/2026 Last Modified: 10/08/2026

Overview

Description

Backing to a natural preserve and distinguished by more than $76,000 in builder-selected options and upgrades, this newly completed 2025 home offers an elevated take on the Hathaway floor plan. As the only finished two-story Hathaway currently available in gated Breakwater at Ward Creek, the three-bedroom, three-bath residence pairs 2,548 square feet with a first-floor primary suite, flex room, spacious upstairs loft and two-car garage. Inside, an open layout is enhanced by wide-plank LVP flooring extending through the foyer, flex room, great room, kitchen, primary bedroom and closet, main staircase and upstairs loft. An upgraded open-rail staircase adds architectural interest while maintaining the home's light, airy feel. Recessed lighting, dimmer switches and thoughtfully placed electrical upgrades further refine the living spaces. The kitchen makes a polished statement with Sinclair White cabinetry, Calacatta Miraggio Cove quartz countertops and a herringbone tile backsplash. … (Read more) Backing to a natural preserve and distinguished by more than $76,000 in builder-selected options and upgrades, this newly completed 2025 home offers an elevated take on the Hathaway floor plan. As the only finished two-story Hathaway currently available in gated Breakwater at Ward Creek, the three-bedroom, three-bath residence pairs 2,548 square feet with a first-floor primary suite, flex room, spacious upstairs loft and two-car garage. Inside, an open layout is enhanced by wide-plank LVP flooring extending through the foyer, flex room, great room, kitchen, primary bedroom and closet, main staircase and upstairs loft. An upgraded open-rail staircase adds architectural interest while maintaining the home’s light, airy feel. Recessed lighting, dimmer switches and thoughtfully placed electrical upgrades further refine the living spaces. The kitchen makes a polished statement with Sinclair White cabinetry, Calacatta Miraggio Cove quartz countertops and a herringbone tile backsplash. A Kohler apron-front farmhouse sink, pot-and-pan drawer storage and an upgraded Whirlpool appliance package add both style and function, with a 36-inch five-burner gas cooktop, combination wall oven and third-rack dishwasher among the highlights. The first-floor primary suite provides a private retreat with a walk-in closet and a richly finished bath. Calacatta Miraggio Cove quartz tops the raised-height vanity while matte-black Kohler fixtures complement a frameless glass shower with full-height tile, a recessed niche and herringbone mosaic flooring. A flex room and full hall bath add versatility on the main level, while two additional bedrooms and a generous loft upstairs provide comfortable accommodations for guests, a media room or secondary living space. The secondary baths feature adult-height vanities with quartz tops and tile surrounds extending to the ceiling, while the laundry room includes additional cabinetry and a quartz countertop. Designed to extend everyday living outdoors, a 9-by-8 multi-slide stacked glass door opens the great room to a screened covered lanai overlooking the preserve. The lanai is already roughed in for a future outdoor kitchen, making it easy to create a fully equipped entertaining space. The Breakwater at Ward Creek community offers access to a pool, fitness center, playground, tennis and pickleball courts, along with convenient access to Panama City Beach, Pier Park and the white-sand beaches of the gulf. With its preserve setting, extensive designer upgrades and move-in-ready Hathaway floor plan, the property stands apart as a thoughtfully finished option for both full-time and second-home living.

Listing Details MLS# 796399

Contract Info

List Price/SqFt: 298.23

Location

Area: 03 – Bay County – Beach
Street #: 251
Street Name: Breakwater
Street Suffix: Boulevard
State: FL
Zip Code: 32413
County: Bay
Sub Area: 0322 – Beach – North West
Subdivision: Breakwater at Ward Creek
Community/Resort: None
Waterfront: No
Parcel ID: 32717-250-208
Elementary School: West Bay
Middle School: Surfside
High School: Arnold
Directions: From Hwy 98, turn on Hwy 79 going north. 2.6 miles Breakwater community will be on your left.
Legal Description: BREAKWATER AT WARD CREEK PH 1 LOT 340 ORB 4815 P 1513

General Property Info

Sub-Type: Detached Single Family
Design: Beach House
Apx SqFt(Htd/Cooled): 2548
SqFt Source: Prop App Site
Full Baths: 3
Total Baths: 3
# of Stories in Building: 2
Accessory Dwelling Unit: No
Year Built: 2025
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: 2
Driveway Spaces: 2
Lot Dimensions: 40.0 ft x 120.0 ft
Acreage: 0.11
Lot Size (SqFt): 4792
Pool: Yes
Pool Type: Community

Listing Info, Tax and Legal

HOA Fee: Yes
HOA Amount: 210
HOA Frequency: Monthly
HOA Annual Amount: 2520
New Buyer Fee: Yes
New Buyer Fee Amt: 600
New Buyer Fee Paid: $
Last Taxes: 1354.84
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: No

Remarks & Misc

Remarks: Backing to a natural preserve and distinguished by more than $76,000 in builder-selected options and upgrades, this newly completed 2025 home offers an elevated take on the Hathaway floor plan. As the only finished two-story Hathaway currently available in gated Breakwater at Ward Creek, the three-bedroom, three-bath residence pairs 2,548 square feet with a first-floor primary suite, flex room, spacious upstairs loft and two-car garage. Inside, an open layout is enhanced by wide-plank LVP flooring extending through the foyer, flex room, great room, kitchen, primary bedroom and closet, main staircase and upstairs loft. An upgraded open-rail staircase adds architectural interest while maintaining the home's light, airy feel. Recessed lighting, dimmer switches and thoughtfully placed electrical upgrades further refine the living spaces. The kitchen makes a polished statement with Sinclair White cabinetry, Calacatta Miraggio Cove quartz countertops and a herringbone tile backsplash. A Kohler apron-front farmhouse sink, pot-and-pan drawer storage and an upgraded Whirlpool appliance package add both style and function, with a 36-inch five-burner gas cooktop, combination wall oven and third-rack dishwasher among the highlights. The first-floor primary suite provides a private retreat with a walk-in closet and a richly finished bath. Calacatta Miraggio Cove quartz tops the raised-height vanity while matte-black Kohler fixtures complement a frameless glass shower with full-height tile, a recessed niche and herringbone mosaic flooring. A flex room and full hall bath add versatility on the main level, while two additional bedrooms and a generous loft upstairs provide comfortable accommodations for guests, a media room or secondary living space. The secondary baths feature adult-height vanities with quartz tops and tile surrounds extending to the ceiling, while the laundry room includes additional cabinetry and a quartz countertop. Designed to extend everyday living outdoors, a 9-by-8 multi-slide stacked glass door opens the great room to a screened covered lanai overlooking the preserve. The lanai is already roughed in for a future outdoor kitchen, making it easy to create a fully equipped entertaining space. The Breakwater at Ward Creek community offers access to a pool, fitness center, playground, tennis and pickleball courts, along with convenient access to Panama City Beach, Pier Park and the white-sand beaches of the gulf. With its preserve setting, extensive designer upgrades and move-in-ready Hathaway floor plan, the property stands apart as a thoughtfully finished option for both full-time and second-home living.

Bonus Room

First: Yes

More Information

Loft

Second: Yes

Appliances

Dishwasher: Yes
Disposal: Yes
Dryer: Yes
Freezer: Yes
Microwave: Yes
Oven – Electric: Yes
Range – Gas: Yes
Range Hood: Yes
Refrigerator: Yes
Washer: Yes
Water Heater – Tankless: Yes

Interior Features

Floor – Tile: Yes
Floor – Vinyl Plank: Yes
Kitchen Island: Yes
Window – Treatment All: Yes

Construction/Siding

Foundation – Slab on Grade: Yes
Wood/Frame: Yes
Roof – Composite Shngl: Yes
Siding – Hardie Board: Yes

Exterior

Fenced Lot-All: Yes
Porch Covered: Yes
Porch Screened: Yes

Association Fees Include

Accounting: Yes
Community Room: Yes
Exercise Room: Yes
Gated Community: Yes
Master Association: Yes
Picnic Area: Yes
Playground: Yes
Pool: Yes
Recreational Faclty: Yes
Tennis: Yes

Financing

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

Furnished

Unfurnished: Yes

Interior

Bonus Room: Yes
Floor – Carpet: Yes

Lot Features

Close to Clubhouse: Yes
Flood Insurance Req: Yes
Subdivision – Recorded: Yes
Wooded: Yes

Lot Access

Gated Access: Yes
Paved Road: Yes
Private Road: Yes

Parking Features

Driveway: Yes
Garage Attached: Yes
Garage Door Opener: Yes

Present Zoning

Resid Single Family: Yes

Association Amenities

Community Room: Yes
Exercise Room: Yes
Gated Community: Yes
Picnic Area: Yes
Playground: Yes
Pool: Yes
Tennis: Yes
Pickle Ball: Yes
Recreation Facilities: Yes
Sidewalks: Yes

Rooms

Bonus Room: Yes
Loft: Yes
Primary Bedroom: Yes

Utilities

Cable – Available: Yes
Electricity – Connected: Yes
Garbage: Yes
Natural Gas – Connected: Yes
Internet – Broadband Available: Yes
Public Sewer – Connected: Yes
Public Water – Connected: Yes
Underground Utilities: Yes

Primary Bedroom

First: Yes

Cooling

Central Air: Yes

Heating

Electric: Yes
Heat Pump: Yes

Primary Bdrm/Primary Bath

MBath Separate Shwr: Yes
MBath Shower Only: Yes
MBath Walk-In Closet: Yes
MBed First Floor: Yes

Property Features

Appliances: Dishwasher; Disposal; Dryer; Freezer; Microwave; Oven – Electric; Range – Gas; Range Hood; Refrigerator; Washer; Water Heater – Tankless Primary Bedroom: First Cooling: Central Air Heating: Electric; Heat Pump Exterior: Fenced Lot-All; Porch Covered; Porch Screened Association Fees Include: Accounting; Community Room; Exercise Room; Gated Community; Master Association; Picnic Area; Playground; Pool; Recreational Faclty; Tennis Financing: Cash; Conventional; FHA; VA Furnished: Unfurnished Interior: Bonus Room; Floor – Carpet Lot Features: Close to Clubhouse; Flood Insurance Req; Subdivision – Recorded; Wooded Lot Access: Gated Access; Paved Road; Private Road Bonus Room: First Loft: Second Parking Features: Driveway; Garage Attached; Garage Door Opener Association Amenities: Community Room; Exercise Room; Gated Community; Pickle Ball; Picnic Area; Playground; Pool; Recreation Facilities; Sidewalks; Tennis Rooms: Bonus Room; Loft; Primary Bedroom Utilities: Cable – Available; Electricity – Connected; Garbage; Internet – Broadband Available; Natural Gas – Connected; Public Sewer – Connected; Public Water – Connected; Underground Utilities Present Zoning: Resid Single Family

Room Information

Room Name	Level	Dimensions	Length	Width
Primary Bedroom	First	14 x 13.17	14.00	13.17
Bonus Room	First	11.33 x 10.75	11.33	10.75
Loft	Second	13.75 x 13.58	13.75	13.58

Listing Office: Scenic Sotheby's International Realty

Last Updated: October – 08 – 2026

Information deemed reliable but not guaranteed.