528 Ward Creek Lane, Panama City Beach, FL 32407 (MLS# 785264)

528 Ward Creek Lane, Panama City Beach, FL 32407

$579,900

Property Type: Residential Bedrooms: 5 Baths: 3 Square Footage: 2,162 Lot Size (sq. ft.): 9,472 Status: Sold

Current Price: $579,900 List Date: 2/14/2026 Last Modified: 7/22/2026

Overview

Description

Located in the highly desirable Breakfast Point community of Panama City Beach, this 5 bedroom, 3-bath home offers 2,162 square feet of thoughtfully designed living space. A welcoming foyer opens to a spacious great room with high ceilings and an open-concept layout, complemented by a split-bedroom floor plan for added privacy. The kitchen is both stylish and functional, featuring a large center island with breakfast bar, custom soft-close cabinetry, stainless steel appliances, a gas range, designer backsplash, pantry, and a stainless-steel apron-front sink. Durable LVP flooring flows seamlessly throughout the home. The master suite showcases a tray ceiling and a luxurious en-suite bath with a double vanity, tiled shower, and an oversized walk-in closet. Three additional bedrooms provide convenient access to full baths, while the dedicated office offers flexibility as a fifth bedroom, playroom, or media space. Exterior highlights include a 3-car garage, covered front and rear porche … (Read more)

Listing Details MLS# 785264

Contract Info

List Price/SqFt: 268.22

Location

Area: 03 – Bay County – Beach
Street #: 528
Street Name: Ward Creek
Street Suffix: Lane
State: FL
Zip Code: 32407
County: Bay
Sub Area: 0321 – Beach – North Central
Subdivision: Breakfast Point
Community/Resort: None
Waterfront: No
Parcel ID: 34030-275-740
Elementary School: Breakfast Point
Middle School: Breakfast Point
High School: Arnold
Directions: West on Hwy 98 over Hathaway Bridge, Right on Glades Trail, Left on Basin Bayou Drive, Left on Ward Creek Lane, Home down on Left.
Legal Description: BREAKFAST POINT PHASE 3C LOT 453 ORB 4458 P 1609

General Property Info

Sub-Type: Detached Single Family
Design: Craftsman Style
Apx SqFt(Htd/Cooled): 2162
SqFt Source: Prop App Site
Full Baths: 3
Total Baths: 3
Year Built: 2021
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: 3
Lot Dimensions: 74×128
Acreage: 0.22
Lot Size (SqFt): 9472
Pool: No

Status Change Info

Under Contract Date: 2026-03-06
Sold Date: 2026-04-20
Sold Price/SqFt: 268.22
Sold Price/Acre: 2635909.09

Listing Info, Tax and Legal

HOA Fee: Yes
HOA Amount: 350
HOA Frequency: Quarterly
HOA Annual Amount: 1400
New Buyer Fee: Yes
New Buyer Fee Amt: 0.5
New Buyer Fee Paid: %
Last Taxes: 4691
Last Tax Year: 2025
Brokerage Interest: No Interest

Remarks & Misc

Remarks: Located in the highly desirable Breakfast Point community of Panama City Beach, this 5 bedroom, 3-bath home offers 2,162 square feet of thoughtfully designed living space. A welcoming foyer opens to a spacious great room with high ceilings and an open-concept layout, complemented by a split-bedroom floor plan for added privacy. The kitchen is both stylish and functional, featuring a large center island with breakfast bar, custom soft-close cabinetry, stainless steel appliances, a gas range, designer backsplash, pantry, and a stainless-steel apron-front sink. Durable LVP flooring flows seamlessly throughout the home. The master suite showcases a tray ceiling and a luxurious en-suite bath with a double vanity, tiled shower, and an oversized walk-in closet. Three additional bedrooms provide convenient access to full baths, while the dedicated office offers flexibility as a fifth bedroom, playroom, or media space. Exterior highlights include a 3-car garage, covered front and rear porches, and a screened back porch accessed through a large sliding glass door – perfect for indoor/outdoor living. The charming front porch overlooks a peaceful pond. The backyard is fully fenced with white vinyl fencing and includes a Rain Bird sprinkler system for easy maintenance. Ideally situated next to a park within this sidewalk community with underground utilities, Breakfast Point offers quick access to the white sandy beaches of the Gulf, a nearby Publix-anchored shopping center, Breakfast Point Academy (within walking distance), and Pier Park for premier shopping, dining, and entertainment. Call today to schedule your private showing and start enjoying the coastal lifestyle!

More Information

Covered Porch

First: Yes

Dining Room

First: Yes

Garage

First: Yes

Great Room

First: Yes

Office

First: Yes

Appliances

Cooktop – Gas: Yes
Dishwasher: Yes
Disposal: Yes
Microwave: Yes
Oven – Electric: Yes
Refrigerator: Yes

Interior Features

Breakfast Bar: Yes
Ceiling – Raised: Yes
Floor – Vinyl Plank: Yes
Kitchen Island: Yes
Pantry: Yes
Split Bedroom: Yes

Construction/Siding

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

Exterior

Double Pane Windows: Yes
Fenced Back Yard: Yes
Fenced Privacy: Yes
Porch Covered: Yes
Porch Screened: Yes
Sprinkler System: Yes

Association Fees Include

Accounting: Yes
Playground: Yes

Financing

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

Furnished

Unfurnished: Yes

Interior

Ceiling – Tray: Yes

Kitchen

First: Yes

Lot Features

Cleared: Yes
Covenants & Rescrictions: Yes
Landscaped: Yes
Subdivision – Recorded: Yes
Retention Pond: Yes
Sidewalk: Yes
Within 1/2 Mile to Water: Yes

Lot Access

Paved Road: Yes

Parking Features

Driveway: Yes
Garage Attached: Yes
Oversized: Yes

Present Zoning

Resid Single Family: Yes

Association Amenities

Playground: Yes

Rooms

Bedroom: Yes
Covered Porch: Yes
Dining Room: Yes
Garage: Yes
Great Room: Yes
Kitchen: Yes
Primary Bedroom: Yes
Office: Yes

Utilities

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

Primary Bedroom

First: Yes

Bedroom

First: Yes

Cooling

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

Heating

Central: Yes

Primary Bdrm/Primary Bath

MBath Double Vanity: Yes
MBath Shower Only: Yes
MBath Walk-In Closet: Yes
MBed First Floor: Yes

Security Features

Smoke Detector(s): Yes

Property Features

Appliances: Cooktop – Gas; Dishwasher; Disposal; Microwave; Oven – Electric; Refrigerator Primary Bedroom: First Bedroom: First Cooling: Ceiling Fan(s); Central Air; Electric Heating: Central Exterior: Double Pane Windows; Fenced Back Yard; Fenced Privacy; Porch Covered; Porch Screened; Sprinkler System Association Fees Include: Accounting; Playground Financing: Cash; Conventional; FHA; VA Furnished: Unfurnished Interior: Ceiling – Tray Kitchen: First Lot Features: Cleared; Covenants & Rescrictions; Landscaped; Retention Pond; Sidewalk; Subdivision – Recorded; Within 1/2 Mile to Water Lot Access: Paved Road Covered Porch: First Dining Room: First Great Room: First Garage: First Office: First Security Features: Smoke Detector(s) Parking Features: Driveway; Garage Attached; Oversized Association Amenities: Playground Rooms: Bedroom; Covered Porch; Dining Room; Garage; Great Room; Kitchen; Primary Bedroom; Office Utilities: Electricity – Connected; Natural Gas – Connected; Public Sewer – Connected; Public Water – Connected Present Zoning: Resid Single Family

Room Information

Room Name	Level	Dimensions	Length	Width
Great Room	First	21 x 17	21.00	17.00
Dining Room	First	13 x 12	13.00	12.00
Kitchen	First	15 x 12	15.00	12.00
Primary Bedroom	First	17 x 13	17.00	13.00
Office	First	13 x 11	13.00	11.00
Bedroom	First	13 x 12	13.00	12.00
Bedroom	First	13 x 12	13.00	12.00
Bedroom	First	13 x 12	13.00	12.00
Covered Porch	First	15 x 13	15.00	13.00
Garage	First	31 x 22	31.00	22.00

Listing Office: CENTURY 21 Commander Realty

Last Updated: July – 22 – 2026

Information deemed reliable but not guaranteed.