3207 Swordfish Drive, Panama City Beach, FL 32408 (MLS# 785334)

3207 Swordfish Drive, Panama City Beach, FL 32408

$1,175,000

Design by Mia Nadeau

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

Overview

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 th … (Read more) 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

Listing Details MLS# 785334

Contract Info

List Price/SqFt: 394.3

Location

Area: 03 – Bay County – Beach
Street #: 3207
Street Name: Swordfish
Street Suffix: Drive
State: FL
Zip Code: 32408
County: Bay
Sub Area: 0319 – Beach – East
Subdivision: Bay Point Unit 1
Community/Resort: Bay Point Homes/Lots
Waterfront: Yes
Gulf Access: Yes
Parcel ID: 31259-591-000
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.
Legal Description: BONEFISH POINTE 69D3 LOT 11 ORB 4524 P 344

General Property Info

Sub-Type: Detached Single Family
Design: Craftsman Style
Apx SqFt(Htd/Cooled): 2980
SqFt Source: Builders Plans
Full Baths: 2
Half Baths: Yes
Total Baths: 3
# of Stories in Building: 2
Year Built: 2023
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: 2
Driveway Spaces: 5
Lot Dimensions: irr
Acreage: 0.22
Lot Size (SqFt): 9750
Pool: No

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.

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: Yes

More Information

Deck/Patio

Second: Yes

Appliances

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

Interior Features

Ceiling – Raised: Yes
Fireplace: Yes
Floor – Vinyl Plank: Yes
Kitchen Island: Yes
Lighting – Recessed: Yes
Pantry: Yes
Window – Treatment Some: Yes

Construction/Siding

Foundation – Slab on Grade: Yes
Siding – Hardie Board: Yes
Trim – Hardie Board: Yes

Exterior

Balcony: Yes
Deck Covered: Yes
Deck Open: Yes
Fenced Lot-Part: Yes
Summer Kitchen: Yes
Porch Covered: Yes

Association Fees Include

Gated Community: Yes
Management: Yes
Master Association: Yes
Security: Yes

Financing

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

Furnished

Negotiable: Yes

Interior

Ceiling – Tray: Yes

Kitchen

Second: Yes

Living Room

Second: Yes

Lot Features

Cul-De-Sac: Yes
Landscaped: Yes
Survey Available: Yes
Waterfront: Yes
Within 1/2 Mile to Water: Yes

Lot Access

Private Road: Yes

Parking Features

Driveway: Yes
Garage Attached: Yes
Paved: Yes

Mstr Bath / Mstr Bdrm

MBath Double Vanity: Yes
MBath Separate Shwr: Yes
MBath Walk-In Closet: Yes
MBed First Floor: Yes
MBed Waterfront: Yes

Rooms

Bonus Room: Yes
Deck/Patio: Yes
Kitchen: Yes
Living Room: Yes

Utilities

Electricity – Connected: Yes
Garbage: Yes
Natural Gas – Connected: Yes
Public Sewer – Connected: Yes
Public Water – Connected: Yes

Waterview

Bay: Yes
Unobstructed: Yes

Waterfront Type

Bay/Harbor: Yes
Lagoon/Estuary: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes

Heating

Fireplace – Gas: Yes
Natural Gas: Yes

Security Features

24 Hour Security: Yes
Carbon Monoxide Detector: Yes
Fire Alarm: Yes
Gated Community: Yes
Smoke Detector(s): Yes

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

Room Name	Level	Dimensions	Length	Width	Remarks
Kitchen	Second	15 x 13	15.00	13.00
Living Room	Second	19 x 24	19.00	24.00
Deck/Patio	Second	52 x 12	52.00	12.00	2nd and 1st levels
Bonus Room	Second	22 x 22	22.00	22.00	bonus room or bedroom includes closet

Listing Office: Beachy Beach Real Estate

Last Updated: February – 16 – 2026

Information deemed reliable but not guaranteed.