12560 Emerald Lake Drive Panama City Beach, FL 32407
Listing Courtesy of: CENTRAL PANHANDLE / Century 21 Ryan Realty / Melissa Ryan / CENTURY 21 Ryan Realty / Katie Patronis

  12560 Emerald Lake Drive Panama City Beach, FL 32407

Active (189 Days)
$780,000 (USD)
3
BED
3
BATH
2,597
SQFT

Description

Builder's Personal Custom built Luxury Home on a natural Lake in this Prime Panama City Beach Location! This stunning home is situated on a cul-de-sac and offers the perfect blend of privacy, elegance, and convenience--just two blocks from the World's Most beautiful beaches in Panama City Beach and moments from Pier Park dining and shopping, Top Golf, the new Dolly Parton Pirates Voyage dinner shows, and convenient to some of the beaches top-rated schools. Built in 2020 to the highest hurricane standards with upgraded doors and windows, this home has been thoughtfully designed inside and out. Step inside to find luxury vinyl plank flooring, shiplap accents in every primary room, and an inviting open-concept floorplan that flows seamlessly from the living room to the dining area and into the chef's kitchen. The kitchen is a showstopper, featuring quartz countertops, beautiful backsplash,a stainless steel appliances with dual oven electric stove, a pot filler, top-of-the-line slide-out microwave drawer, and soft-close shaker cabinets--perfect for entertaining or everyday living. Enjoy year-round comfort with a Rinnai tankless water heater providing endless hot water, plus hot and cold exterior faucets for convenience. The cozy enclosed patio room is used as an extra den and is the perfect spot for relaxing and overlooking the private natural lake, creating a peaceful setting for morning coffee or evening gatherings. This home offers flexibility with a bonus room/office on the main floor and an upstairs loft that can easily serve as a second office, media area, or playroom. The oversized garage is extra deep and includes a third golf cart door, ceiling fans, and additional golf cart parking alongside the home--ideal for a small boat.
The Additional highlights include: Private cul-de-sac location on a secluded lake Enclosed sunroom with lake views, Extra storage and parking options only Minutes to schools, shopping, entertainment, and the beach. This property truly checks every box: prime location, quality construction, modern updates, and a serene setting. Don't miss this rare opportunity to own a custom builder's personal home in the heart of Panama City Beach! No HOA fees!!!!

MLS #:
787111
Taxes
$3,237(2025)
Lot Size
7,841 SQFT
Type
Single-Family Home
Year Built
2019
Style
Contemporary
Views
Lake
County
Bay County
Community
Emerald Lake Estates

Listed By

Melissa Ryan, Century 21 Ryan Realty
Katie Patronis, CENTURY 21 Ryan Realty
Source
CENTRAL PANHANDLE
Last checked Mar 27 2026 at 10:11 PM GMT+0000
Bathroom Details
  • Full Bathrooms: 2
  • Half Bathroom: 1
Interior Features
  • Electric Cooktop
  • Electric Oven
  • Electric Range
  • Windows: Double Pane Windows
  • Entrance Foyer
  • Interior Steps
Subdivision
  • Emerald Lake Estates
Lot Information
  • Cul-De-Sac
  • Paved
  • Sprinkler System
Property Features
  • Fireplace: Electric
  • Foundation: Slab
Heating and Cooling
  • Electric
  • Central
  • Natural Gas
  • Fireplace(s)
  • Ceiling Fan(s)
  • Central Air
Flooring
  • Luxury Vinyl Plank
Exterior Features
  • Roof: Metal
Utility Information
  • Utilities: Electricity Available, Cable Connected
  • Sewer: Public Sewer
School Information
  • Elementary School: Hutchison Beach
  • Middle School: Surfside
  • High School: Arnold
Parking
  • Garage
  • Paved
  • Garage Door Opener
Stories
  • 2
Location
   
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Estimated Monthly Mortgage Payment

*Based on Fixed Interest Rate withe a 30 year term, principal and interest only

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Disclaimer: Copyright 2026 Central Panhandle MLS. All rights reserved. This information is deemed reliable, but not guaranteed. The information being provided is 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. Data last updated 3/27/26 15:11