9701 Summer Creek Drive, Panama City, FL 32409 (MLS# 790734)

9701 Summer Creek Drive, Panama City, FL 32409

New Listing

$1,399,000

Property Type: Residential Bedrooms: 3 Baths: 4 Square Footage: 3,243 Lot Size (sq. ft.): 84,071 Status: Active

Current Price: $1,399,000 List Date: 6/03/2026 Last Modified: 6/05/2026

Overview

Description

LUXURY LAKEFRONT ESTATE IN GATED CEDAR CREEK COMMUNITY – Experience exceptional lakefront living in this stunning Arthur Rutenberg custom-built home, perfectly situated on 1.9 private acres within the prestigious gated Cedar Creek community. Designed with both elegance and comfort in mind, this meticulously maintained 3-bedroom, 4-bath residence offers breathtaking water views, premium finishes, and resort-style outdoor amenities. Inside, you'll find soaring tray ceilings, extensive crown molding, and ceramic tile flooring throughout. Large energy-efficient windows fill the home with natural light while providing unobstructed panoramic views of the lake from nearly every room. The gourmet kitchen is a chef's dream, featuring a spacious center island, double ovens, gas cooktop, Sub-Zero refrigerator, oversized pantry, and an abundance of custom cabinetry. Whether entertaining guests or preparing family meals, this thoughtfully designed space offers both beauty and functionality. … (Read more) LUXURY LAKEFRONT ESTATE IN GATED CEDAR CREEK COMMUNITY – Experience exceptional lakefront living in this stunning Arthur Rutenberg custom-built home, perfectly situated on 1.9 private acres within the prestigious gated Cedar Creek community. Designed with both elegance and comfort in mind, this meticulously maintained 3-bedroom, 4-bath residence offers breathtaking water views, premium finishes, and resort-style outdoor amenities. Inside, you’ll find soaring tray ceilings, extensive crown molding, and ceramic tile flooring throughout. Large energy-efficient windows fill the home with natural light while providing unobstructed panoramic views of the lake from nearly every room. The gourmet kitchen is a chef’s dream, featuring a spacious center island, double ovens, gas cooktop, Sub-Zero refrigerator, oversized pantry, and an abundance of custom cabinetry. Whether entertaining guests or preparing family meals, this thoughtfully designed space offers both beauty and functionality. A rare and desirable feature, this home could easily be described as having three master suites, as each bedroom includes its own private bathroom. All three en-suite baths feature luxurious zero-entry tiled showers, creating a spa-like experience for family and guests alike. The expansive covered lanai serves as an outdoor living room, complete with a fireplace, television, and ample space for relaxing, entertaining, or simply enjoying spectacular lake views year-round. Car enthusiasts and hobbyists will appreciate the oversized garage with room for up to four vehicles. A large circular driveway and substantial stone-paver parking pad provide additional convenience and impressive curb appeal. The beautifully landscaped grounds showcase mature fruit trees, including satsuma, apple, and pear varieties. The fenced backyard is designed for both recreation and functionality, featuring a 24′ x 28′ workshop/storage building, private boat ramp, dock, and covered boathouse equipped with a boat lift–offering direct access to the lake for fishing, boating, and watersports. This extraordinary property combines luxury craftsmanship, privacy, and waterfront living in one exceptional offering. Don’t miss the opportunity to own one of Cedar Creek’s most impressive lakefront estates.

Listing Details MLS# 790734

Contract Info

List Price/SqFt: 431.39

Location

Area: 04 – Bay County – North
Street #: 9701
Street Name: Summer Creek
Street Suffix: Drive
State: FL
Zip Code: 32409
County: Bay
Sub Area: 0410 – Bay North – West Deerpoint/Southport
Subdivision: Cedar Creek At Deerpoint Lake
Community/Resort: None
Waterfront: Yes
Gulf Access: No
Parcel ID: 07611-400-001
Elementary School: Deane Bozeman
Middle School: Deane Bozeman
High School: Deane Bozeman
Directions: North on Hwy 77 to Right on Edwards Rd. Left on Resota Beach Rd, then right on Sweetfield Ln. to enter Cedar Creek. Continue right on Baxley Bend, then right on Cedar Creek Dr to Right on Summer Creek Dr. Home will be on the right.
Legal Description: CEDAR CREEK PH 2-A LOT 84 LESS A TRIANGLE PRCL ON WLY SIDE ORB 4599 P 250

General Property Info

Sub-Type: Detached Single Family
Design: Country
Apx SqFt(Htd/Cooled): 3243
SqFt Source: Builders Plans
Full Baths: 3
Half Baths: Yes
Total Baths: 4
# of Stories in Building: Yes
Year Built: 2019
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: 4
Lot Dimensions: Irregular
Acreage: 1.93
Lot Size (SqFt): 84071
Pool: No

Waterfront Feature

Waterfront Feet: 260
Boat Launch: Yes
Boat Slip: Yes
Boatlift: Yes
Dock: Yes
Shore – Natural: Yes
Shore – Seawall: Yes

Listing Info, Tax and Legal

HOA Fee: Yes
HOA Amount: 360
HOA Frequency: Quarterly
HOA Annual Amount: 1440
New Buyer Fee: Yes
New Buyer Fee Amt: 250
Last Taxes: 8178
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: Yes
Section: 7
Township: 2S
Range: 13W

Remarks & Misc

Remarks: LUXURY LAKEFRONT ESTATE IN GATED CEDAR CREEK COMMUNITY – Experience exceptional lakefront living in this stunning Arthur Rutenberg custom-built home, perfectly situated on 1.9 private acres within the prestigious gated Cedar Creek community. Designed with both elegance and comfort in mind, this meticulously maintained 3-bedroom, 4-bath residence offers breathtaking water views, premium finishes, and resort-style outdoor amenities. Inside, you'll find soaring tray ceilings, extensive crown molding, and ceramic tile flooring throughout. Large energy-efficient windows fill the home with natural light while providing unobstructed panoramic views of the lake from nearly every room. The gourmet kitchen is a chef's dream, featuring a spacious center island, double ovens, gas cooktop, Sub-Zero refrigerator, oversized pantry, and an abundance of custom cabinetry. Whether entertaining guests or preparing family meals, this thoughtfully designed space offers both beauty and functionality. A rare and desirable feature, this home could easily be described as having three master suites, as each bedroom includes its own private bathroom. All three en-suite baths feature luxurious zero-entry tiled showers, creating a spa-like experience for family and guests alike. The expansive covered lanai serves as an outdoor living room, complete with a fireplace, television, and ample space for relaxing, entertaining, or simply enjoying spectacular lake views year-round. Car enthusiasts and hobbyists will appreciate the oversized garage with room for up to four vehicles. A large circular driveway and substantial stone-paver parking pad provide additional convenience and impressive curb appeal. The beautifully landscaped grounds showcase mature fruit trees, including satsuma, apple, and pear varieties. The fenced backyard is designed for both recreation and functionality, featuring a 24' x 28' workshop/storage building, private boat ramp, dock, and covered boathouse equipped with a boat lift–offering direct access to the lake for fishing, boating, and watersports. This extraordinary property combines luxury craftsmanship, privacy, and waterfront living in one exceptional offering. Don't miss the opportunity to own one of Cedar Creek's most impressive lakefront estates.

More Information

Den

First: Yes

Garage

First: Yes

Great Room

First: Yes

Other

First: Yes

Appliances

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

Interior Features

Ceiling – Crwn Molding: Yes
Fireplace: Yes
Floor – Tile: Yes
Kitchen Island: Yes
Lighting – Recessed: Yes
Pantry: Yes
Security System: Yes
Window – Treatment All: Yes

Construction/Siding

Roof – Metal: Yes
Siding – Hardie Board: Yes

Exterior

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

Other Structures

Boat House: Yes
Workshop: Yes

Association Fees Include

Accounting: Yes
Community Room: Yes
Gated Community: Yes
Ground Keeping: Yes
Management: Yes
Picnic Area: Yes
Playground: Yes
Pool: Yes

Financing

Cash: Yes
Conventional: Yes

Furnished

Unfurnished: Yes

Interior

Ceiling – Tray: Yes

Lot Features

Covenants & Rescrictions: Yes
Cul-De-Sac: Yes
Landscaped: Yes
Survey Available: Yes
Waterfront: Yes

Lot Access

Gated Access: Yes
Paved Road: Yes
Private Road: Yes

Parking Features

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

Mstr Bath / Mstr Bdrm

MBath Double Vanity: Yes
MBath Garden Tub: Yes
MBath Separate Shwr: Yes
MBed First Floor: Yes
MBed Walk-in Closet: Yes

Present Zoning

Resid Single Family: Yes

Association Amenities

Community Room: Yes
Gated Community: Yes
Picnic Area: Yes
Playground: Yes
Pool: Yes

Rooms

Bedroom: Yes
Den: Yes
Garage: Yes
Great Room: Yes
Master Bedroom: Yes
Other: Yes

Utilities

Public Water – Connected: Yes
Septic Tank: Yes

Waterview

Lake: Yes

Sale Type

As Is: Yes

Waterfront Type

Lakefront: Yes

Master Bedroom

First: Yes

Bedroom

First: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes
Electric: Yes
Multi Units: Yes
Zoned: Yes

Heating

Central: Yes
Electric: Yes
Fireplace – Wood Burning: Yes
Zoned: Yes

Security Features

Gated Community: Yes
Security System Owned: Yes

Property Features

Appliances: Cooktop – Gas; Dishwasher; Disposal; Microwave; Oven – Double; Oven – Electric; Range – Gas; Refrigerator; Water Heater – Gas; Water Heater – Tankless Master Bedroom: First Bedroom: First Cooling: Ceiling Fan(s); Central Air; Electric; Multi Units; Zoned Heating: Central; Electric; Fireplace – Wood Burning; Zoned Exterior: Double Pane Windows; Fenced Back Yard; Porch Covered; Porch Screened; Sprinkler System Association Fees Include: Accounting; Community Room; Gated Community; Ground Keeping; Management; Picnic Area; Playground; Pool Financing: Cash; Conventional Furnished: Unfurnished Interior: Ceiling – Tray Lot Features: Covenants & Rescrictions; Cul-De-Sac; Landscaped; Survey Available; Waterfront Lot Access: Gated Access; Paved Road; Private Road Den: First Great Room: First Garage: First Other: First Security Features: Gated Community; Security System Owned Parking Features: Driveway; Garage Attached; Garage Door Opener; Paver Block Other Structures: Boat House; Workshop Association Amenities: Community Room; Gated Community; Picnic Area; Playground; Pool Rooms: Bedroom; Den; Garage; Great Room; Master Bedroom; Other Sale Type: As Is Utilities: Public Water – Connected; Septic Tank Waterfront Type: Lakefront Waterfront Feature: Boat Launch; Boat Slip; Boatlift; Dock; Shore – Natural; Shore – Seawall Waterview: Lake Present Zoning: Resid Single Family

Room Information

Room Name	Level	Dimensions	Length	Width	Remarks
Great Room	First	198 x 196	198.00	196.00
Den	First	13 x 15	13.00	15.00
Master Bedroom	First	196 x 144	196.00	144.00
Bedroom	First	18 x 148	18.00	148.00	Guest Suite
Bedroom	First	136 x 124	136.00	124.00	w/Private Bath
Other	First	334 x 154	334.00	154.00	Lanai
Other	First	15 x 173	15.00	173.00	Cabana w/Outdoor Kitchen
Garage	First	218 x 306	218.00	306.00
Garage	First	20 x 215	20.00	215.00	Garage/Workshop

Listing Office: Anchor Realty Florida

Last Updated: June – 05 – 2026

Information deemed reliable but not guaranteed.