12560 Emerald Lake Drive, Panama City Beach, FL 32407 (MLS# 787111)

List Price/SqFt: 300.35

Status: Pending

List Date: 2026-03-14

List Price: $780,000

Current Price: $780,000

Sub Area: 0320 - Beach - Middle Central

Community/Resort: None

Waterfront: Yes

Gulf Access: No

Elementary School: Hutchison Beach

Middle School: Surfside

High School: Arnold

Directions: From HWY 98 AKA PANAMA CITY BEACH PARKWAY and Navy Blvd. go west to Clara Ave. and take a left. Then take the first left onto Emerald Lake Dr. Home will be on the left.

Area: 03 - Bay County - Beach

Street #: 12560

Street Name: Emerald Lake

Street Suffix: Drive

State: FL

Zip Code: 32407

County: Bay

Subdivision: Emerald Lake Estates

Parcel ID: 34170-113-000

Legal Description: EMERALD LAKE ESTATES LOT 13 ORB 4021 P 562

Acreage: 0.18

Design: Contemporary

Lot Size (SqFt): 7841

Apx SqFt(Htd/Cooled): 2597

Immediate Occupancy: Yes

Construction Status: Construction Complete

SqFt Source: Builders Plans

Half Baths: 1

# of Stories in Building: 2

Lot Dimensions: 75 x 106

New Construction: No

Garage Y/N: Yes

Garage Spaces: 2

Driveway Spaces: 23

Pool: No

Sub-Type: Detached Single Family

Bedrooms: 3

Full Baths: 2

Total Baths: 3

Year Built: 2019

Homestead: Yes

HOA Fee: No

Senior Community: No

Is Subject Leased: No

New Buyer Fee: No

Last Taxes: 3237

Last Tax Year: 2025

Lot: 13

Brokerage Interest: No Interest

As Is: No

Section: 27

Township: 3S

Range: 16W

Condo Doc: No

Remarks: 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!!!!

Second: 1

First: 1

First: 1

First: 1

First: 1

Second: 1

Second: 1

First: 1

First: 1

Cooktop - Electric: 1

Dishwasher: 1

Disposal: 1

Microwave: 1

Oven - Electric: 1

Range - Electric: 1

Refrigerator: 1

Other: 1

Breakfast Bar: 1

Ceiling - Crwn Molding: 1

Fireplace: 1

Floor - Tile: 1

Floor - Vinyl Plank: 1

Lighting - Recessed: 1

Pantry: 1

Security System: 1

Stairs: 1

Window - Treatment Some: 1

Foundation - Slab on Grade: 1

Roof - Metal: 1

Siding - Hardie Board: 1

Other - See Remarks: 1

Balcony: 1

Deck Open: 1

Double Pane Windows: 1

Fenced Back Yard: 1

Fenced Lot-Part: 1

Fenced Privacy: 1

Fire Pit: 1

Patio Open: 1

Sprinkler System: 1

Dock: 1

Waterfront Feet: 75

Cash: 1

Conventional: 1

VA: 1

Unfurnished: 1

Bonus Room: 1

Floor - Carpet: 1

Insulated Doors: 1

First: 1

First: 1

Cul-De-Sac: 1

Dead End: 1

Landscaped: 1

Near Beach Access: 1

Survey Available: 1

Waterfront: 1

Within 1/2 Mile to Water: 1

Paved Road: 1

Boat: 1

Driveway: 1

Garage Attached: 1

Garage Door Opener: 1

Golf Cart Garage: 1

Other - See Remarks: 1

Paved: 1

MBath Separate Shwr: 1

MBath Walk-In Closet: 1

MBath Whirlpool: 1

MBed Waterfront: 1

City: 1

Resid Single Family: 1

Balcony: 1

Bedroom: 1

Deck/Patio: 1

Dining Room: 1

Foyer: 1

Full Bathroom: 1

Garage: 1

Half Bathroom: 1

Kitchen: 1

Laundry: 1

Living Room: 1

Master Bathroom: 1

Master Bedroom: 1

Office: 1

Sun Room: 1

Cable - Available: 1

TV Cable: 1

Electricity - Connected: 1

Natural Gas - Connected: 1

Public Sewer - Connected: 1

Public Water - Connected: 1

Other - See Remarks: 1

Lake: 1

Second: 1

First: 1

Lakefront: 1

Second: 1

Second: 1

Ceiling Fan(s): 1

Central Air: 1

Electric: 1

Central: 1

Electric: 1

Fireplace - Electric: 1

Natural Gas: 1

Fire Alarm: 1

Security Lights: 1

Security System: 1

Security System Owned: 1

Smoke Detector(s): 1

Under Contract Date: 2026-05-10