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.