917 Camp Fire Circle, Panama City Beach, FL 32413 (MLS# 787538)

917 Camp Fire Circle, Panama City Beach, FL 32413

$899,999

Virtual Tour

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Property Type: Residential Bedrooms: 3 Baths: 3 Square Footage: 2,469 Lot Size (sq. ft.): 7,187 Status: Active

Current Price: $899,999 List Date: 3/28/2026 Last Modified: 7/23/2026

Overview

Description

Welcome to a home that was never meant to be sold. Built in August 2025 as a true forever home, this custom Toll Brothers Caswell design from the Vista Collection was thoughtfully selected with intention, quality, and comfort in mind. Life had other plans, offering a rare opportunity to own a nearly-new, highly upgraded home without the wait. Here is the piece the public tax record does not show. The private 11' x 24' saltwater heated pool and its screened enclosure were a $120,000 post-purchase investment by the sellers, separate from the home purchase itself. At $899,999, this listing essentially reflects what the sellers are all-in on this property. A buyer here inherits the finished home, the finished pool, and a community with amenities officially open, without the appreciation premium or the 18-month wait of a new build. Tucked on a premium cul-de-sac lot with the majority of street construction complete, the home offers peace, privacy, and permanence rarely found in newer com … (Read more) Welcome to a home that was never meant to be sold. Built in August 2025 as a true forever home, this custom Toll Brothers Caswell design from the Vista Collection was thoughtfully selected with intention, quality, and comfort in mind. Life had other plans, offering a rare opportunity to own a nearly-new, highly upgraded home without the wait. Here is the piece the public tax record does not show. The private 11′ x 24′ saltwater heated pool and its screened enclosure were a $120,000 post-purchase investment by the sellers, separate from the home purchase itself. At $899,999, this listing essentially reflects what the sellers are all-in on this property. A buyer here inherits the finished home, the finished pool, and a community with amenities officially open, without the appreciation premium or the 18-month wait of a new build. Tucked on a premium cul-de-sac lot with the majority of street construction complete, the home offers peace, privacy, and permanence rarely found in newer communities. Backing to a natural wooded preserve with serene lake views beyond, there are no rear neighbors and a setting that feels both private and connected to nature. The outdoor space has been fully transformed. The 11′ x 24′ saltwater heated pool features a steel-reinforced shotcrete shell, pebble sheen finish, tanning shelf, and bench seating. An attached spa with waterfall and five jets adjoins the pool, all enclosed within a screened lanai for year-round use. The lanai is pre-plumbed for gas and ready for a future outdoor kitchen. Inside, a multi-slide stacked glass door connects the great room to the lanai and pool. Tray ceilings elevate the foyer, great room, and primary suite. A bonus room with glass panel doors creates a functional work-from-home space. The kitchen features an oversized double-sided quartz island with abundant storage, custom cabinetry, ceramic tile backsplash, a suite of KitchenAid stainless appliances (36” gas cooktop with hood, built-in microwave, and oven), and a Samsung Bespoke refrigerator. The primary suite offers a spa-like bathroom with frameless glass shower, ceiling-mounted rain head, upgraded Kohler fixtures, elevated vanities, and designer tile carried throughout. Hard surface flooring runs throughout, with porcelain tile in all baths. Additional features include hurricane-rated front and rear windows and doors, solid 2×6 construction, LED recessed lighting with dimmers, smart home technology, a security system, upgraded interior hardware, comfort-height toilets, a three-car garage with durable non-slip polyurea flooring, and a paver driveway. Breakwater’s amenities are officially open: resort pool with lap lanes, luxury clubhouse, fitness center, pickleball and tennis courts, outdoor fireplace, and playground. Four miles to the beach, shopping, dining, and entertainment. Ten miles to Northwest Florida Beaches International Airport. The quality of new construction. The upgrades of a custom build. The ease of completely move-in ready. Without the wait.

Listing Details MLS# 787538

Contract Info

List Price/SqFt: 364.52

Location

Area: 03 – Bay County – Beach
Street #: 917
Street Name: Camp Fire
Street Suffix: Circle
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: 32717-250-150
Elementary School: West Bay
Middle School: Surfside
High School: Arnold
Directions: Traveling South on Highway 79 turn right into the gated community, Breakwater at Ward Creek, take your first left onto Camp Fire Circle, the home is on the right. Traveling North on Highway 79 turn left into the neighborhood and follow the directions above.
Legal Description: BREAKWATER AT WARD CREEK PH 1 LOT 311 ORB 4815 P 1513

General Property Info

Sub-Type: Detached Single Family
Design: Contemporary
Apx SqFt(Htd/Cooled): 2469
SqFt Source: Builders Plans
Full Baths: 2
Half Baths: Yes
Total Baths: 3
Year Built: 2025
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: 3
Lot Dimensions: 60 x 120
Acreage: 0.17
Lot Size (SqFt): 7187
Pool: Yes
Pool Type: Private

Listing Info, Tax and Legal

Homestead: Yes
HOA Fee: Yes
HOA Amount: 210
HOA Frequency: Monthly
HOA Annual Amount: 2520
New Buyer Fee: Yes
Last Taxes: 1355
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: Yes

Remarks & Misc

Remarks: Welcome to a home that was never meant to be sold. Built in August 2025 as a true forever home, this custom Toll Brothers Caswell design from the Vista Collection was thoughtfully selected with intention, quality, and comfort in mind. Life had other plans, offering a rare opportunity to own a nearly-new, highly upgraded home without the wait. Here is the piece the public tax record does not show. The private 11' x 24' saltwater heated pool and its screened enclosure were a $120,000 post-purchase investment by the sellers, separate from the home purchase itself. At $899,999, this listing essentially reflects what the sellers are all-in on this property. A buyer here inherits the finished home, the finished pool, and a community with amenities officially open, without the appreciation premium or the 18-month wait of a new build. Tucked on a premium cul-de-sac lot with the majority of street construction complete, the home offers peace, privacy, and permanence rarely found in newer communities. Backing to a natural wooded preserve with serene lake views beyond, there are no rear neighbors and a setting that feels both private and connected to nature. The outdoor space has been fully transformed. The 11' x 24' saltwater heated pool features a steel-reinforced shotcrete shell, pebble sheen finish, tanning shelf, and bench seating. An attached spa with waterfall and five jets adjoins the pool, all enclosed within a screened lanai for year-round use. The lanai is pre-plumbed for gas and ready for a future outdoor kitchen. Inside, a multi-slide stacked glass door connects the great room to the lanai and pool. Tray ceilings elevate the foyer, great room, and primary suite. A bonus room with glass panel doors creates a functional work-from-home space. The kitchen features an oversized double-sided quartz island with abundant storage, custom cabinetry, ceramic tile backsplash, a suite of KitchenAid stainless appliances (36'' gas cooktop with hood, built-in microwave, and oven), and a Samsung Bespoke refrigerator. The primary suite offers a spa-like bathroom with frameless glass shower, ceiling-mounted rain head, upgraded Kohler fixtures, elevated vanities, and designer tile carried throughout. Hard surface flooring runs throughout, with porcelain tile in all baths. Additional features include hurricane-rated front and rear windows and doors, solid 2×6 construction, LED recessed lighting with dimmers, smart home technology, a security system, upgraded interior hardware, comfort-height toilets, a three-car garage with durable non-slip polyurea flooring, and a paver driveway. Breakwater's amenities are officially open: resort pool with lap lanes, luxury clubhouse, fitness center, pickleball and tennis courts, outdoor fireplace, and playground. Four miles to the beach, shopping, dining, and entertainment. Ten miles to Northwest Florida Beaches International Airport. The quality of new construction. The upgrades of a custom build. The ease of completely move-in ready. Without the wait.

Bonus Room

First: Yes

More Information

Dining Room

First: Yes

Garage

First: Yes

Other

First: Yes

Pool Features

Gunite Concrete: Yes
Inground: Yes
Pool/Spa Combo: Yes
Screened In: Yes
Waterfall: Yes

Appliances

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

Interior Features

Ceiling – Raised: Yes
Floor – Vinyl Plank: Yes
Kitchen Island: Yes
Pantry: Yes
Split Bedroom: Yes
Window – Treatment All: Yes

Construction/Siding

Brick Veneer: Yes
Foundation – Slab on Grade: Yes
Roof – Asphalt: Yes
Siding – Hardie Board: Yes

Exterior

Patio Covered: Yes
Porch Covered: Yes
Sprinkler System: Yes
Storm Doors: Yes
Storm Windows: Yes
Tinted Windows: Yes

Association Fees Include

Accounting: Yes
Community Room: Yes
Exercise Room: Yes
Gated Community: Yes
Ground Keeping: Yes
Insurance: Yes
Management: Yes
Playground: Yes
Pool: Yes
Tennis: Yes

Financing

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

Furnished

Negotiable: Yes

Interior

Ceiling – Tray: Yes
Smart Home: Yes

Kitchen

First: Yes

Living Room

First: Yes

Lot Features

Dead End: Yes
Interior Lot: Yes
Landscaped: Yes
Subdivision – Recorded: Yes
Survey Available: Yes

Lot Access

State Highway: Yes
Paved Road: Yes

Parking Features

Driveway: Yes
Garage Attached: Yes
Garage Door Opener: Yes
Paver Block: Yes

Present Zoning

Resid Single Family: Yes

Association Amenities

Community Room: Yes
Exercise Room: Yes
Gated Community: Yes
Pool: Yes
Tennis: Yes
Pickle Ball: Yes
Sidewalks: Yes

Rooms

Bedroom: Yes
Bonus Room: Yes
Dining Room: Yes
Garage: Yes
Kitchen: Yes
Living Room: Yes
Primary Bedroom: Yes
Other: Yes

Showing

ShowingTime: Yes

Utilities

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

Waterview

Lake: Yes

Sale Type

As Is: Yes

Primary Bedroom

First: Yes

Bedroom

First: Yes

Cooling

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

Heating

Central: Yes
Electric: Yes

Primary Bdrm/Primary Bath

MBath Shower Only: Yes

Property Features

Appliances: Cooktop – Gas; Dishwasher; Disposal; Microwave; Oven – Electric; Refrigerator; Water Heater – Gas; Water Heater – Tankless Primary Bedroom: First Bedroom: First Cooling: Ceiling Fan(s); Central Air; Electric Heating: Central; Electric Exterior: Patio Covered; Porch Covered; Sprinkler System; Storm Doors; Storm Windows; Tinted Windows Association Fees Include: Accounting; Community Room; Exercise Room; Gated Community; Insurance; Ground Keeping; Management; Playground; Pool; Tennis Financing: Cash; Conventional; FHA; VA Furnished: Negotiable Interior: Ceiling – Tray; Smart Home Kitchen: First Living Room: First Lot Features: Dead End; Interior Lot; Landscaped; Subdivision – Recorded; Survey Available Lot Access: State Highway; Paved Road Bonus Room: First Dining Room: First Garage: First Other: First Pool Features: Gunite Concrete; Inground; Pool/Spa Combo; Screened In; Waterfall Parking Features: Driveway; Garage Attached; Garage Door Opener; Paver Block Association Amenities: Community Room; Exercise Room; Gated Community; Pickle Ball; Pool; Sidewalks; Tennis Rooms: Bedroom; Bonus Room; Dining Room; Garage; Kitchen; Living Room; Primary Bedroom; Other Sale Type: As Is Showing: ShowingTime Utilities: Electricity – Connected; Natural Gas – Connected; Public Sewer – Connected; Public Water – Connected; Underground Utilities Waterview: Lake Present Zoning: Resid Single Family

Room Information

Room Name	Level	Dimensions	Length	Width	Remarks
Primary Bedroom	First	18.4 x 15	18.40	15.00
Bedroom	First	12.9 x 11	12.90	11.00
Bedroom	First	11.4 x 10.9	11.40	10.90
Bonus Room	First	11.4 x 9.9	11.40	9.90
Living Room	First	28.2 x 15.9	28.20	15.90
Kitchen	First	14.9 x 14.6	14.90	14.60
Dining Room	First	14.6 x 13.5	14.60	13.50
Other	First	30.8 x 10	30.80	10.00	Covered Lanai
Garage	First	21.1 x 20.4	21.10	20.40	2 Car
Garage	First	20.9 x 11.8	20.90	11.80	1 Car

Listing Office: Keller Williams Success Realty

Last Updated: July – 23 – 2026

Information deemed reliable but not guaranteed.