Address
912 Camp Fire Circle, Panama City Beach, FL
Price
$ 849,700
Property Attributes
- MLS#791587
- TypeSingle Family
- Listing Status Active
- CountyBay
- CityPanama City Beach
- Area03 - Bay County - Beach
- NeighborhoodBreakwater at Ward Creek
- Zip32413
- Style
- Year Built2025
- Taxes$ 1354
- Price$ 849,700
- Bedrooms4
- Full Bathrooms3
- Half Bathrooms1
- Sqr Footage2839
- Lot Size0.17 Acres
Data Source:
Central Panhandle Association of REALTORS® (CPAR)
Property Description
Welcome to Breakwater, one of Panama City Beach's premier gated communities, where resort style amenities, modern design, and everyday convenience come together. This exceptional Grayton floor plan features over $100,000 in Toll Brothers builder upgrades and is situated on one of the community's most desirable homesites, backing to protected land that is restricted from future development, providing a rare sense of privacy and a backyard view that will remain preserved. This beautifully maintained 4 bedroom, 3.5 bath home features soaring ceilings, an open concept layout, a spacious 3 car garage, and a backyard with plenty of room to create your own private oasis, including space for a future pool. Filled with natural light, the spacious kitchen and living area create the perfect place for entertaining, gathering with family, and enjoying everyday life. Thoughtfully upgraded with over $100,000 in Toll Brothers builder upgrades, this home features a luxury KitchenAid appliance package with a gas cooktop and double wall ovens, premium quartz countertops, an expanded kitchen island, wide plank hardwood flooring throughout most of the home, tray ceilings, a dedicated office, spa inspired primary suite, and an impressive 12 foot stacking sliding glass door that seamlessly blends indoor and outdoor living. A complete builder upgrade summary is available in the MLS documents. The spa inspired primary suite features a freestanding soaking tub, oversized walk in shower with frameless glass, rain shower head, designer tile, and luxury finishes throughout, creating the perfect place to unwind. What truly sets this Panama City Beach home apart is the lifestyle. Breakwater residents enjoy a gated entrance, resort style pool, pickleball courts, tennis courts, fitness center, clubhouse, and playground, all designed to make everyday living feel a little more like a getaway. Conveniently located just minutes from Pier Park, the white sand beaches of the Emerald Coast, Northwest Florida Beaches International Airport, shopping, dining, and entertainment, this home offers the perfect combination of luxury, convenience, and coastal living. Where everyday living feels like a getaway!
| Elementary School | Middle School | High School |
|---|---|---|
| West Bay Elementary School | Surfside Middle School | Arnold High School |
| Price History | |
|---|---|
| 6/19/2026 | Listed $865,000 |
| 9/16/2026 | 2$849,700 |
General Features
| Sewer | Public Sewer |
|---|---|
| Utilities | Electricity Available |
| Property Subtype | Single Family Residence |
| Tax Year | 2025 |
| Community Features | Clubhouse,Fitness Center,Playground,Park,Pool,Tennis Court(s),Community Pool,Gated |
| County | Bay |
| Property Type | Residential |
| HOA | true |
| Subdivision Name | Breakwater at Ward Creek |
| Status | Active |
| Directions | From Hwy 98, turn on Hwy 79 going north. 2.6 Miles Breakwater community will be on your left. |
| High School | Arnold |
| City | Panama City Beach |
| Zoning Description | Resid Single Family |
| MLS Area | 03 - Bay County - Beach |
| Lot Size Units | Acres |
| Lot Size Square Feet | 7405 |
| Elementary School | West Bay |
| Tax Annual Amount | 1354.84 |
| Middle/Junior High School | Surfside |
| MLS Area Minor | 0322 - Beach - North West |
| Standard Status | Active |
| Property Sub Type Additional | Single Family Residence |
| Association Amenities | Gated |
| Occupancy Type | Vacant |
| Year Built | 2025 |
| Association Fee Includes | Clubhouse,Fitness Facility,Maintenance Grounds,Playground,Pool(s),Tennis Courts |
| Heating | Central,Electric |
| Cooling | Central Air,Ceiling Fan(s) |
| Appliances | Gas Cooktop,Ice Maker |
| Patio/Porch Features | Deck,Patio |
| Construction Materials | HardiPlank Type |
| Attached Garage | false |
| Garage Y/N | true |
| Total Rooms | 4 |
| Full Baths | 3 |
| Garage Spaces | 3 |
| Architectural Style | Other |
| HOA Fee | 200 |
| Assoc Fee Paid Per | Monthly |
| Pool Features | Community |
| Security Features | Gated Community,Security Gate,Smoke Detector(s) |
| New Construction | false |
| Roof | Shake |
Interior Features
| Total Baths | 4 |
|---|---|
| Interior Amenities | Double Vanity,Main Level Primary,Soaking Tub,Separate Shower,Walk-In Closet(s) |
| Air Conditioning Y/N | true |
| Heating Y/N | true |
| Total Bedrooms | 4 |
| LivingAreaSource | Appraiser |
| Half Baths | 1 |
Exterior Features
| Lot Features | Cul-De-Sac,Paved |
|---|---|
| Lot Size Area | 0.17 |
| Lot Dimensions | 60.0 ft x 125.0 ft |
| Lot Size Acres | 0.17 |
| Parking Features | Gated |
| Building Area Total | 2839 |
| Waterfront Y/N | false |
| Exterior Amenities | Covered Patio,Patio |
| Fencing | Full,Fenced |
Amenities
- Foreclosure
- Views
- Short Sale
- New Construction
- Adult 55+
- Lease To Own
- No HOA Fees
- Furnished
- Primary On Main
- Air Conditioning
- Seller Finance
- Green
- Fixer Upper
- Horse
- Golf
- Fireplace
- Deck
- Garage
- Basement
- Pool
Property vs Single Family Average in 32413
Price
Taxes
Year Built
In The Neighborhood
Open House
Panama City Beach
$ 1,195,000
- Type
- Single Family
- Size
- 3,065 SqFt
- Rooms
- 4 Beds + 3.5 Baths
Open House
Panama City Beach
$ 1,195,000
- Type
- Single Family
- Size
- 3,065 SqFt
- Rooms
- 4 Beds + 3.5 Baths
Emerald Coast Association of REALTORS®, Inc. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers
Listing data provided by: Central Panhandle Association of Realtors (CPAR)
Information deemed reliable but not guaranteed. The information is provided exclusively for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
