657 Shoal Landing Lot 177, Panama City Beach, FL 32413 (MLS# 792480)

657 Shoal Landing Lot 177, Panama City Beach, FL 32413

New Listing

$826,000

Picture of model home, not of actual home. Same floor plan.

Property Type: Residential Bedrooms: 5 Baths: 4 Square Footage: 3,435 Lot Size (sq. ft.): 7,187 Status: Active

Current Price: $826,000 List Date: 7/10/2026 Last Modified: 7/10/2026

Overview

Description

Welcome to your Toll Brothers dream home, where luxury, comfort, and convenience come together in perfect harmony. Construction estimated completion February 2027. Limited time to select interior design studio selections to personalize it. Nestled in a gated community, this grand two-story residence boasts over 20-foot ceilings and an inviting open floor plan designed to impress from the moment you step inside. As you enter, you're greeted by the grandeur of soaring ceilings and an abundance of natural light that fills the home with warmth. The kitchen and great room a space that invites both creativity and connection, perfect for family gatherings or entertaining guests. On the main level is the primary suite, a true retreat offering both relaxation and luxury. With a spa-like bathroom featuring a large tile shower, a separate soaking tub, and two spacious walk-in closets, every detail has been meticulously designed to create an oasis of serenity. This is more than just a bedroom; it … (Read more) Welcome to your Toll Brothers dream home, where luxury, comfort, and convenience come together in perfect harmony. Construction estimated completion February 2027. Limited time to select interior design studio selections to personalize it. Nestled in a gated community, this grand two-story residence boasts over 20-foot ceilings and an inviting open floor plan designed to impress from the moment you step inside. As you enter, you’re greeted by the grandeur of soaring ceilings and an abundance of natural light that fills the home with warmth. The kitchen and great room a space that invites both creativity and connection, perfect for family gatherings or entertaining guests. On the main level is the primary suite, a true retreat offering both relaxation and luxury. With a spa-like bathroom featuring a large tile shower, a separate soaking tub, and two spacious walk-in closets, every detail has been meticulously designed to create an oasis of serenity. This is more than just a bedroom; it’s a sanctuary where you can unwind in ultimate comfort. Upstairs, the expansive loft and bonus area offer endless possibilities for your lifestyle, whether it’s a game room, home theater, or a second living area. With four spacious bedrooms and 3.5 beautifully appointed baths, this home accommodates every need with elegance and functionality. The office room offers the ideal space for work, study or can be used as 5th bedroom. 3-car garage offers ample room for your vehicles, storage, and more. Step outside the multi slide glass door onto your covered lanai and embrace the natural wood preserve beauty providing both privacy and a tranquil setting. The community is filled with completed resort style amenities, including pool, clubhouse, fitness center, pickleball courts, tennis court, playground, and a multi-purpose field. Short drive to public beach access, Pier Park shopping, dining and fun entertainment, airport, future FSU/TMH medical campus, future West Bay Center with Publix and recreation outdoor activities at Frank Brown Park. Don’t miss the opportunity to make this extraordinary property your forever home, where every detail is crafted for your utmost enjoyment. Pictures are not of actual home, but same floor plan.

Listing Details MLS# 792480

Contract Info

List Price/SqFt: 240.47

Location

Area: 03 – Bay County – Beach
Street #: 657
Street Name: Shoal
Street Suffix: Landing
Unit #: Lot 177
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: 32717-275-072
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. Sales Office is located at 232 Breakwater Blvd 4th building on the right next to parking lot.
Legal Description: BREAKWATER AT WARD CREEK PH 2 LOT 177 ORB 4894 P 1322

General Property Info

Sub-Type: Detached Single Family
Design: Traditional
Apx SqFt(Htd/Cooled): 3435
SqFt Source: Builders Plans
Full Baths: 3
Half Baths: Yes
Total Baths: 4
# of Stories in Building: 2
Year Built: 2026
Immediate Occupancy: No
Pre-Const Flip: No
Construction Status: Under Construction
New Construction: Yes
Garage Y/N: Yes
Garage Spaces: 3
Lot Dimensions: 60'x120'
Acreage: 0.16
Lot Size (SqFt): 7187
Pool: Yes
Pool Type: Community

Listing Info, Tax and Legal

HOA Fee: Yes
HOA Amount: 210
HOA Frequency: Monthly
HOA Annual Amount: 2520
Senior Community: No
Is Subject Leased: No
New Buyer Fee: Yes
New Buyer Fee Amt: 630
New Buyer Fee Paid: $
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: No

Remarks & Misc

Remarks: Welcome to your Toll Brothers dream home, where luxury, comfort, and convenience come together in perfect harmony. Construction estimated completion February 2027. Limited time to select interior design studio selections to personalize it. Nestled in a gated community, this grand two-story residence boasts over 20-foot ceilings and an inviting open floor plan designed to impress from the moment you step inside. As you enter, you're greeted by the grandeur of soaring ceilings and an abundance of natural light that fills the home with warmth. The kitchen and great room a space that invites both creativity and connection, perfect for family gatherings or entertaining guests. On the main level is the primary suite, a true retreat offering both relaxation and luxury. With a spa-like bathroom featuring a large tile shower, a separate soaking tub, and two spacious walk-in closets, every detail has been meticulously designed to create an oasis of serenity. This is more than just a bedroom; it's a sanctuary where you can unwind in ultimate comfort. Upstairs, the expansive loft and bonus area offer endless possibilities for your lifestyle, whether it's a game room, home theater, or a second living area. With four spacious bedrooms and 3.5 beautifully appointed baths, this home accommodates every need with elegance and functionality. The office room offers the ideal space for work, study or can be used as 5th bedroom. 3-car garage offers ample room for your vehicles, storage, and more. Step outside the multi slide glass door onto your covered lanai and embrace the natural wood preserve beauty providing both privacy and a tranquil setting. The community is filled with completed resort style amenities, including pool, clubhouse, fitness center, pickleball courts, tennis court, playground, and a multi-purpose field. Short drive to public beach access, Pier Park shopping, dining and fun entertainment, airport, future FSU/TMH medical campus, future West Bay Center with Publix and recreation outdoor activities at Frank Brown Park. Don't miss the opportunity to make this extraordinary property your forever home, where every detail is crafted for your utmost enjoyment. Pictures are not of actual home, but same floor plan.

Appliances

Cooktop – Gas: Yes
Dishwasher: Yes
Disposal: Yes
Microwave: Yes
Oven – Electric: Yes
Water Heater – Tankless: Yes

More Information

Interior Features

Ceiling – Raised: Yes
Kitchen Island: Yes
Lighting – Recessed: Yes
Media Room: Yes
Pantry: Yes

Construction/Siding

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

Exterior

Patio Covered: Yes
Sprinkler System: Yes

Association Fees Include

Community Room: Yes
Exercise Room: Yes
Gated Community: Yes
Picnic Area: Yes
Playground: Yes
Pool: Yes
Tennis: Yes
Trash Disposal: Yes

Financing

Conventional: Yes
FHA: Yes
VA: Yes

Furnished

Unfurnished: Yes

Interior

Bonus Room: Yes

Lot Features

Landscaped: Yes
Subdivision – Recorded: Yes
Site Plan: Yes
Wooded: Yes

Lot Access

Paved Road: Yes

Parking Features

Driveway: Yes
Garage Attached: 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
Sidewalks: Yes

Rooms

Bedroom: Yes
Primary Bedroom: Yes

Utilities

TV Cable: Yes
Electricity – Connected: Yes
Natural Gas – Connected: Yes
Internet – Broadband Available: Yes
Internet – Fiber Optic: Yes
Phone – Connected: Yes
Public Sewer – Connected: Yes
Public Water – Connected: Yes
Underground Utilities: Yes

Primary Bedroom

First: Yes

Bedroom

First: Yes
Second: Yes

Cooling

Electric: Yes

Heating

Heat Pump: Yes

Primary Bdrm/Primary Bath

MBath Double Vanity: Yes
MBath Separate Shwr: Yes
MBath Tub – Soaking: Yes
MBath Walk-In Closet: Yes
MBed First Floor: Yes

Security Features

Gated Community: Yes
Smoke Detector(s): Yes

Property Features

Appliances: Cooktop – Gas; Dishwasher; Disposal; Microwave; Oven – Electric; Water Heater – Tankless Primary Bedroom: First Bedroom: First; Second Cooling: Electric Heating: Heat Pump Exterior: Patio Covered; Sprinkler System Association Fees Include: Community Room; Exercise Room; Gated Community; Picnic Area; Playground; Pool; Tennis; Trash Disposal Financing: Conventional; FHA; VA Furnished: Unfurnished Interior: Bonus Room Lot Features: Landscaped; Site Plan; Subdivision – Recorded; Wooded Lot Access: Paved Road Security Features: Gated Community; Smoke Detector(s) Parking Features: Driveway; Garage Attached Association Amenities: Community Room; Exercise Room; Gated Community; Pickle Ball; Picnic Area; Playground; Pool; Sidewalks; Tennis Rooms: Bedroom; Primary Bedroom Utilities: TV Cable; Electricity – Connected; Internet – Broadband Available; Internet – Fiber Optic; Natural Gas – Connected; Phone – 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	16.17 x 15	16.17	15.00
Bedroom	First	14.67 x 11.25	14.67	11.25
Bedroom	First	10.42 x 10.08	10.42	10.08
Bedroom	Second	13.42 x 10	13.42	10.00
Bedroom	Second	11.33 x 10	11.33	10.00

Listing Office: Jacksonville TBI Realty LLC

Last Updated: July – 10 – 2026

Information deemed reliable but not guaranteed.