9895 Summer Creek Drive, Panama City, FL 32409 (MLS# 784767)

9895 Summer Creek Drive, Panama City, FL 32409

$533,600

Property Type: Residential Bedrooms: 4 Baths: 2 Square Footage: 2,557 Lot Size (sq. ft.): 29,700 Status: Active

Current Price: $533,600 List Date: 2/05/2026 Last Modified: 7/12/2026

Overview

Description

Please call for incentives on this home! LOT IS OVER HALF AN ACRE!! Step inside to a welcoming foyer that flows into a spacious family room — the true heart of the home — perfectly positioned next to the kitchen and breakfast nook for easy everyday living and entertaining. The kitchen features ample counterspace and overlooks the main living area, so the cook is always part of the conversation. Enjoy the cozy fireplace in the Family room adding ambiance to every gathering. Just off the family room, a covered porch extends your living space outdoors, ideal for morning coffee or evening gatherings. The private primary suite is thoughtfully tucked away and offers generous space, 2 walk-in closets, and an en-suite bath designed for comfort and convenience. Three additional bedrooms are located on the opposite side of the home, providing flexibility for guests, a home office, or hobbies, with a full bath nearby. A separate dining room near the entry adds versatility for formal me … (Read more)

Listing Details MLS# 784767

Contract Info

List Price/SqFt: 208.68

Location

Area: 04 – Bay County – North
Street #: 9895
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: No
Parcel ID: 07611-450-165
Elementary School: Deane Bozeman
Middle School: Deane Bozeman
High School: Deane Bozeman
Directions: Go North on Highway 77. Make a right on Edwards Road and go a few miles to the stop sign. Make a left on Resota Beach Road. Make a right onto Sweetfield Lane. Right on Baxley Bend. Right on Cedar Creek Drive. Left on Summer Creek Drive. Home is all the way down the drive at the end on the left side.
Legal Description: CEDAR CREEK AT DEERPOINT PHIII LOT 33 Parcel ID:07611-450-165

General Property Info

Sub-Type: Detached Single Family
Design: Traditional
Apx SqFt(Htd/Cooled): 2557
SqFt Source: Builders Plans
Full Baths: 2
Total Baths: 2
# of Stories in Building: Yes
Year Built: 2026
Immediate Occupancy: No
Construction Status: Construction Complete
New Construction: Yes
Garage Y/N: Yes
Garage Spaces: 2
Lot Dimensions: 110×270
Acreage: 0.68
Lot Size (SqFt): 29700
Pool: No

Listing Info, Tax and Legal

HOA Fee: Yes
HOA Amount: 1440
HOA Frequency: Annually
HOA Annual Amount: 1440
New Buyer Fee: Yes
Last Taxes: 1073
Last Tax Year: 2025
Brokerage Interest: No Interest
Township: Santa Rosa Beac

Remarks & Misc

Remarks: Please call for incentives on this home! LOT IS OVER HALF AN ACRE!! Step inside to a welcoming foyer that flows into a spacious family room — the true heart of the home — perfectly positioned next to the kitchen and breakfast nook for easy everyday living and entertaining. The kitchen features ample counterspace and overlooks the main living area, so the cook is always part of the conversation. Enjoy the cozy fireplace in the Family room adding ambiance to every gathering. Just off the family room, a covered porch extends your living space outdoors, ideal for morning coffee or evening gatherings. The private primary suite is thoughtfully tucked away and offers generous space, 2 walk-in closets, and an en-suite bath designed for comfort and convenience. Three additional bedrooms are located on the opposite side of the home, providing flexibility for guests, a home office, or hobbies, with a full bath nearby. A separate dining room near the entry adds versatility for formal meals or could serve as a flex space, while the centrally located laundry room provides everyday ease. With its functional flow, split-bedroom design, and seamless indoor-outdoor connection, this home delivers the space and layout today's buyers are looking for. Cedar Creek is life at an easier pace, the way you want it – naturally. Country Living with Convenience & Tranquility! This is it, this is home. Explore Cedar Creek at Deerpoint Lake in Panama City today!

Dining Room

First: Yes

More Information

Family Room

First: Yes

Appliances

Dishwasher: Yes
Disposal: Yes
Microwave: Yes
Plumbed For Ice Maker: Yes
Range – Electric: Yes
Water Heater – Electric: Yes

Interior Features

Ceiling – Vaulted: Yes
Fireplace: Yes
Floor – Vinyl Plank: Yes
Lighting – Recessed: Yes
Pantry: Yes
Pull Down Stairs: Yes
Split Bedroom: Yes

Construction/Siding

Brick: Yes
Foundation – Slab on Grade: Yes
Wood/Frame: Yes
Roof – Dimensional Shg: Yes

Exterior

Hurricane Fabric: Yes
Patio Covered: Yes
Sprinkler System: Yes

Association Fees Include

BBQ Pit/Grill: Yes
Dock: Yes
Gated Community: Yes
Ground Keeping: Yes
Pavilion/Gazebo: Yes
Picnic Area: Yes
Playground: Yes
Pool: Yes

Financing

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

Furnished

Unfurnished: Yes

Interior

Ceiling – Tray: Yes
Smart Home: Yes

Kitchen

First: Yes

Living Room

First: Yes

Lot Features

Cul-De-Sac: Yes
Landscaped: Yes

Lot Access

City Street: Yes
Gated Access: Yes

Parking Features

Driveway: Yes
Garage Attached: Yes
Garage Door Opener: Yes
Paved: Yes

Present Zoning

Resid Single Family: Yes

Association Amenities

BBQ Pit/Grill: Yes
Dock: Yes
Fishing: Yes
Gated Community: Yes
Pavilion/Gazebo: Yes
Picnic Area: Yes
Playground: Yes
Pool: Yes

Rooms

Bedroom: Yes
Dining Room: Yes
Family Room: Yes
Kitchen: Yes
Living Room: Yes
Primary Bedroom: Yes

Utilities

Cable – Available: Yes
Electricity – Connected: Yes
Natural Gas – Available: Yes
Internet – Broadband Available: Yes
Internet – Fiber Optic: Yes
Phone – Available: Yes
Private Well: Yes
Public Water – Connected: Yes
Septic Tank: Yes

Accessibility Features

Smart Technology: Yes

Primary Bedroom

First: Yes

Bedroom

First: Yes

Cooling

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

Heating

Central: Yes
Electric: Yes
Fireplace – Electric: 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
Security Lights: Yes
Smoke Detector(s): Yes

Property Features

Accessibility Features: Smart Technology Appliances: Dishwasher; Disposal; Microwave; Plumbed For Ice Maker; Range – Electric; Water Heater – Electric Primary Bedroom: First Bedroom: First Cooling: Ceiling Fan(s); Central Air; Electric Heating: Central; Electric; Fireplace – Electric Exterior: Hurricane Fabric; Patio Covered; Sprinkler System Association Fees Include: BBQ Pit/Grill; Dock; Gated Community; Ground Keeping; Pavilion/Gazebo; Picnic Area; Playground; Pool Financing: Cash; Conventional; FHA; VA Furnished: Unfurnished Interior: Ceiling – Tray; Smart Home Kitchen: First Living Room: First Lot Features: Cul-De-Sac; Landscaped Lot Access: City Street; Gated Access Dining Room: First Family Room: First Security Features: Gated Community; Security Lights; Smoke Detector(s) Parking Features: Driveway; Garage Attached; Garage Door Opener; Paved Association Amenities: BBQ Pit/Grill; Dock; Fishing; Gated Community; Pavilion/Gazebo; Picnic Area; Playground; Pool Rooms: Bedroom; Dining Room; Family Room; Kitchen; Living Room; Primary Bedroom Utilities: Cable – Available; Electricity – Connected; Internet – Broadband Available; Internet – Fiber Optic; Natural Gas – Available; Phone – Available; Private Well; Public Water – Connected; Septic Tank Present Zoning: Resid Single Family

Room Information

Room Name	Level	Dimensions	Length	Width
Family Room	First	30 x 16.67	30.00	16.67
Kitchen	First	13.58 x 11.58	13.58	11.58
Primary Bedroom	First	17.5 x 14	17.50	14.00
Dining Room	First	12.5 x 10.33	12.50	10.33
Living Room	First	15 x 11.25	15.00	11.25
Bedroom	First	12 x 14	12.00	14.00
Bedroom	First	10.08 x 14.08	10.08	14.08
Bedroom	First	10.33 x 10.5	10.33	10.50

Listing Office: Adams Homes Realty, Inc.

Last Updated: July – 12 – 2026

Information deemed reliable but not guaranteed.