3207 Swordfish Drive, Panama City Beach, FL 32408
$1,175,000
Property Type:
Residential
Bedrooms:
4
Baths:
3
Square Footage:
2,980
Lot Size (sq. ft.):
9,750
Status:
Active
Current Price:
$1,175,000
List Date:
2/16/2026
Last Modified:
2/16/2026
Description
Experience waterfront living in Bay Point with front-row seats to some of the most breathtaking sunrises on the bay. Built in 2023, this elevated coastal masterpiece captures panoramic water views from nearly every room and offers a rare opportunity to watch boats glide toward the lagoon and pass from your own 52-foot back deck. Designed for both relaxation and entertaining, the deck features a fully equipped outdoor kitchen with grill, sear station, sink, cabinetry, and sleek cable railing that keeps every inch of the view wide open.
Inside, walls of oversized windows fill the home with natural light and create a seamless connection to the bay. The kitchen was thoughtfully designed as the heart of the home, showcasing an over 10-foot island, a cast iron sink perfectly framed by an eight-foot picture window overlooking the bay, and a butler’s pantry that keeps everyday appliances out of sight. With no upper cabinets, the space feels open, modern, and intentionally centered around the view.
The upper level was built for gathering, with the kitchen, living space, and office all oriented toward the water. One of the four bedrooms is currently styled as a game room/man cave with a large walk-in storage closet and direct access from the main living area, offering flexible space for guests, hobbies, or media. The office is finished with over 100-year-old European doors, adding warmth and character you simply can’t replicate.
Downstairs, three additional bedrooms provide privacy and comfort, including a serene primary suite with calming water views, a spa-inspired bath with soaking tub, walk-in shower, dual vanities, and an oversized custom closet. Just outside the suite, a private pavered porch with outdoor seating and an eight-person Master Spas hot tub creates a personal retreat where evenings end with peaceful bay breezes and quiet water reflections.
Perfectly positioned just down the street from the resident-only Thomas Drive gate, this location offers both added security and exceptional convenience. Bay Point is one of the area’s most sought-after gated communities featuring 24-hour roving security, Bay Point Golf Club, Point South Marina, and golf-cart-friendly streets. Wildlife sightings are part of everyday life here, with deer often seen wandering through your yard, adding to the natural charm that makes Bay Point so special.
From the grand double-door entry and statement staircase to the ever-changing colors of the morning sky over the bay, this home delivers a rare blend of coastal design, privacy, and unforgettable waterfront living!
Home Insurance: $2,584 | Flood Insurance (Quoted): $2,500 | Avg Electric: $200 | Avg Gas: $50 | Avg Water: $100
More Information MLS# 785334
Listing Info, Tax and Legal
Homestead: Yes
HOA Fee: Yes
HOA Amount: 1650
HOA Frequency: Annually
HOA Annual Amount: 1650
New Buyer Fee: No
Last Taxes: 6708
Last Tax Year: 2025
Brokerage Interest: Equitable Interest – Listing Broker/Salesperson has equitable interest in the property.
Contract Info
List Price/SqFt: 394.3
Status: Active
List Date: 2026-02-16
List Price: $1,175,000
Current Price: $1,175,000
Location
Sub Area: 0319 – Beach – East
Community/Resort: Bay Point Homes/Lots
Waterfront: Yes
Gulf Access: Yes
Elementary School: Patronis
Middle School: Surfside
High School: Arnold
Directions: You can only use the Thomas Drive Gate if you are a resident. Take Thomas Drive to Magnolia and take a right into Bay Point. Second Marlin turn right. Take the 3rd left into Wahoo and immediate left onto Bonefish. Go over the bridge, and turn right on Wahoo and immediate left on Swordfish. White home with large staircase at end of cul de sac.
Area: 03 – Bay County – Beach
Street #: 3207
Street Name: Swordfish
Street Suffix: Drive
State: FL
Zip Code: 32408
County: Bay
Subdivision: Bay Point Unit 1
Parcel ID: 31259-591-000
Legal Description: BONEFISH POINTE 69D3 LOT 11 ORB 4524 P 344
General Property Info
Acreage: 0.22
Design: Craftsman Style
Lot Size (SqFt): 9750
Apx SqFt(Htd/Cooled): 2980
Construction Status: Construction Complete
SqFt Source: Builders Plans
Half Baths: 1
# of Stories in Building: 2
Lot Dimensions: irr
New Construction: No
Garage Y/N: Yes
Garage Spaces: 2
Driveway Spaces: 5
Pool: No
Sub-Type: Detached Single Family
Bedrooms: 4
Full Baths: 2
Total Baths: 3
Year Built: 2023
Remarks & Misc
Remarks: Experience waterfront living in Bay Point with front-row seats to some of the most breathtaking sunrises on the bay. Built in 2023, this elevated coastal masterpiece captures panoramic water views from nearly every room and offers a rare opportunity to watch boats glide toward the lagoon and pass from your own 52-foot back deck. Designed for both relaxation and entertaining, the deck features a fully equipped outdoor kitchen with grill, sear station, sink, cabinetry, and sleek cable railing that keeps every inch of the view wide open.
Inside, walls of oversized windows fill the home with natural light and create a seamless connection to the bay. The kitchen was thoughtfully designed as the heart of the home, showcasing an over 10-foot island, a cast iron sink perfectly framed by an eight-foot picture window overlooking the bay, and a butler’s pantry that keeps everyday appliances out of sight. With no upper cabinets, the space feels open, modern, and intentionally centered around the view.
The upper level was built for gathering, with the kitchen, living space, and office all oriented toward the water. One of the four bedrooms is currently styled as a game room/man cave with a large walk-in storage closet and direct access from the main living area, offering flexible space for guests, hobbies, or media. The office is finished with over 100-year-old European doors, adding warmth and character you simply can’t replicate.
Downstairs, three additional bedrooms provide privacy and comfort, including a serene primary suite with calming water views, a spa-inspired bath with soaking tub, walk-in shower, dual vanities, and an oversized custom closet. Just outside the suite, a private pavered porch with outdoor seating and an eight-person Master Spas hot tub creates a personal retreat where evenings end with peaceful bay breezes and quiet water reflections.
Perfectly positioned just down the street from the resident-only Thomas Drive gate, this location offers both added security and exceptional convenience. Bay Point is one of the area’s most sought-after gated communities featuring 24-hour roving security, Bay Point Golf Club, Point South Marina, and golf-cart-friendly streets. Wildlife sightings are part of everyday life here, with deer often seen wandering through your yard, adding to the natural charm that makes Bay Point so special.
From the grand double-door entry and statement staircase to the ever-changing colors of the morning sky over the bay, this home delivers a rare blend of coastal design, privacy, and unforgettable waterfront living!
Home Insurance: $2,584 | Flood Insurance (Quoted): $2,500 | Avg Electric: $200 | Avg Gas: $50 | Avg Water: $100
Bonus Room
Second: 1
Deck/Patio
Second: 1
Appliances
Cooktop – Gas: 1
Dishwasher: 1
Disposal: 1
Freezer: 1
Microwave: 1
Oven – Electric: 1
Range Hood: 1
Refrigerator: 1
Water Heater – Tankless: 1
Interior Features
Ceiling – Raised: 1
Fireplace: 1
Floor – Vinyl Plank: 1
Kitchen Island: 1
Lighting – Recessed: 1
Pantry: 1
Window – Treatment Some: 1
Construction/Siding
Foundation – Slab on Grade: 1
Siding – Hardie Board: 1
Trim – Hardie Board: 1
Exterior
Balcony: 1
Deck Covered: 1
Deck Open: 1
Fenced Lot-Part: 1
Summer Kitchen: 1
Porch Covered: 1
Association Fees Include
Gated Community: 1
Management: 1
Master Association: 1
Security: 1
Financing
Cash: 1
Conventional: 1
FHA: 1
VA: 1
Furnished
Negotiable: 1
Interior
Ceiling – Tray: 1
Kitchen
Second: 1
Living Room
Second: 1
Lot Features
Cul-De-Sac: 1
Landscaped: 1
Survey Available: 1
Waterfront: 1
Within 1/2 Mile to Water: 1
Lot Access
Private Road: 1
Parking Features
Driveway: 1
Garage Attached: 1
Paved: 1
Mstr Bath / Mstr Bdrm
MBath Double Vanity: 1
MBath Separate Shwr: 1
MBath Walk-In Closet: 1
MBed First Floor: 1
MBed Waterfront: 1
Rooms
Bonus Room: 1
Deck/Patio: 1
Kitchen: 1
Living Room: 1
Utilities
Electricity – Connected: 1
Garbage: 1
Natural Gas – Connected: 1
Public Sewer – Connected: 1
Public Water – Connected: 1
Waterview
Bay: 1
Unobstructed: 1
Waterfront Type
Bay/Harbor: 1
Lagoon/Estuary: 1
Cooling
Ceiling Fan(s): 1
Central Air: 1
Heating
Fireplace – Gas: 1
Natural Gas: 1
Security Features
24 Hour Security: 1
Carbon Monoxide Detector: 1
Fire Alarm: 1
Gated Community: 1
Smoke Detector(s): 1
Property Features
Appliances: Cooktop – Gas; Dishwasher; Disposal; Freezer; Microwave; Oven – Electric; Range Hood; Refrigerator; Water Heater – Tankless
Cooling: Ceiling Fan(s); Central Air
Heating: Fireplace – Gas; Natural Gas
Exterior: Balcony; Deck Covered; Deck Open; Fenced Lot-Part; Summer Kitchen; Porch Covered
Association Fees Include: Gated Community; Management; Master Association; Security
Financing: Cash; Conventional; FHA; VA
Furnished: Negotiable
Interior: Ceiling – Tray
Kitchen: Second
Living Room: Second
Lot Features: Cul-De-Sac; Landscaped; Survey Available; Waterfront; Within 1/2 Mile to Water
Lot Access: Private Road
Bonus Room: Second
Security Features: 24 Hour Security; Carbon Monoxide Detector; Fire Alarm; Gated Community; Smoke Detector(s)
Parking Features: Driveway; Garage Attached; Paved
Rooms: Bonus Room; Deck/Patio; Kitchen; Living Room
Utilities: Electricity – Connected; Garbage; Natural Gas – Connected; Public Sewer – Connected; Public Water – Connected
Waterfront Type: Bay/Harbor; Lagoon/Estuary
Waterview: Bay; Unobstructed
Room Information
Kitchen
Level: Second
Dimensions: 15 x 13
Length: 15.00
Width: 13.00
Dimensions: 15 x 13
Living Room
Level: Second
Dimensions: 19 x 24
Length: 19.00
Width: 24.00
Dimensions: 19 x 24
Deck/Patio
Level: Second
Dimensions: 52 x 12
Length: 52.00
Width: 12.00
Dimensions: 52 x 12
Remarks: 2nd and 1st levels
Bonus Room
Level: Second
Dimensions: 22 x 22
Length: 22.00
Width: 22.00
Dimensions: 22 x 22
Remarks: bonus room or bedroom includes closet
Listing Office:
Beachy Beach Real Estate
Last Updated: February – 16 – 2026
Information deemed reliable but not guaranteed.