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

Breakwater at Ward Creek · Bay County

Key Facts

5Beds
4Baths
3,435Sq Ft
2026Year Built
0.16Lot (acres)
3Garage

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'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.

Property Information

Property Type

Residential

Sub-Type

Single Family Residence

Style

Traditional

Year Built

2026

Living Area

3,435 sq ft

Lot Size

0.16 acres

Lot Dimensions

60'x120'

Garage Spaces

3

Parking Spaces

3

Zoning

Resid Single Family

MLS® Listing#

1007398

Property Features

Interior

Kitchen IslandRecessed LightingPantry

Appliances

DishwasherDisposalMicrowaveTankless Water HeaterElectric Oven

Heating

Natural Gas

Parking

AttachedGarage

Patio

PatioCovered

Lot Features

Wooded

Foundation

Slab

Security

Smoke Detector(s)

Community

GatedPlaygroundPoolTennis Court(s)Sidewalks

Utilities

Natural Gas AvailableCable AvailableUnderground UtilitiesElectricity AvailablePhone Available

Sewer

Public Sewer

Water Source

Public

Rooms

  • Bedroom14.67 x 11.25First
  • Bedroom10.42 x 10.08First
  • Bedroom11.33 x 10Second
  • Bedroom13.42 x 10Second
  • Great Room19 x 18.5First
  • Loft20.75 x 16.42Second
  • Master Bedroom16.17 x 15First

Schools

Elementary:
West Bay
Middle:
Surfside
High:
Arnold

Financial Details

HOA

$210 / Monthly

Assessed Value

$210

Parcel Number

32717-275-072

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.

Affordability Calculator

$165,200

Estimated monthly payment

$4,396/mo

Principal $660,800 · Est. interest $921,875 over 30 yrs

Neighborhood Market Statistics

How this home compares to active listings in Panama City Beach, FL

$471,570
Median Listing Price
112
Median Days on Market
1,459
Median Sq Ft
$348
Median Price / Sq Ft
31,346
Active Listings
  • This home’s price is 75% above the area median.
  • Its price per sq ft is 31% below the area median.

Market statistics compiled from active EXIT Realty® and MLS listings in Panama City Beach, FL.

Location

Map showing the location of 657 Shoal Landing Lot 177, Panama City Beach, FL 32413

Points of Interest in Panama City Beach, FL

Showing the Panama City Beach area map.

Nearby Schools

  • West Bay Elementary School

    Elementary · 2.4 mi away

  • PCB Academy

    School · 2.5 mi away

  • Surfside Middle School

    Secondary · 4.0 mi away

  • Hutchison Beach Elementary School

    Elementary · 5.1 mi away

  • Surfside Kids Academy

    School · 5.2 mi away

  • JR Arnold High School

    Secondary · 5.7 mi away

  • Arnold Pre K

    Secondary · 5.8 mi away

  • Breakfast Point Academy

    School · 6.0 mi away

  • Primary Prep School

    Elementary · 7.1 mi away

  • St Bernadette Early Childhood Development Center

    School · 7.2 mi away

  • Ohana Institute

    School · 7.8 mi away

  • Twisted Fork Culinary Classroom

    School · 8.2 mi away

  • Learning Tree II-Child Development Center

    School · 8.3 mi away

  • Stacey's Fun in the Sun Preschool 2 Inc.

    School · 8.3 mi away

  • Patronis Elementary School

    Elementary · 9.5 mi away

  • Lucille Moore Elementary School

    Elementary · 11.7 mi away

  • Gulf Coast School for Autism

    School · 12.1 mi away

  • Bacot Academy

    School · 12.2 mi away

  • St Andrew School

    School · 12.3 mi away

  • Covenant Christian School

    School · 12.3 mi away

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EXIT Agents in Panama City Beach

Listing Courtesy: Jacksonville TBI Realty LLC - 8508542055

IDX property data is provided exclusively for consumers’ personal, non-commercial use, and IDX data may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. IDX data is deemed reliable but is not guaranteed accurate by the MLS. IDX data provided by the Emerald Coast Association of Realtors.

The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of one or more Multiple Listing Services (MLS). Listing information is deemed reliable but is not guaranteed accurate. Copyright © EXIT Realty® and respective MLS providers.

Data provided by EmeraldCoast. MLS® Listing#1007398. © 2026EXIT Realty®. All rights reserved.