912 Camp Fire Circle
Panama City Beach, FL 32413
MLS# 791587
4 beds | 4 baths | 2839 sqft
Open House (08/08/2026 - 11:00 am - 2:00 pm)
Property DescriptionNEW BUYER INCENTIVE! Seller offering $5,000 toward buyer's closing costs or an interest rate buy down with an acceptable offer.
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!
Acreage: 0.17
Design: Other
Lot Size (SqFt): 7405
Apx SqFt(Htd/Cooled): 2839
Construction Status: Construction Complete
SqFt Source: Prop App Site
Half Baths: 1
Accessory Dwelling Unit: No
Lot Dimensions: 60.0 ft x 125.0 ft
New Construction: No
Garage Y/N: Yes
Garage Spaces: 3
Pool: Yes
Pool Type: Community
Sub-Type: Detached Single Family
Bedrooms: 4
Full Baths: 3
Total Baths: 4
List Price/SqFt: 304.68
Status: Active
List Date: 2026-06-19
List Price: $865,000
Sub Area: 0322 - Beach - North West
Community/Resort: None
Waterfront: No
Elementary School: West Bay
Middle School: Surfside
High School: Arnold
Directions: From Hwy 98, turn on Hwy 79 going north. 2.6 Miles Breakwater community will be on your left.
Area: 03 - Bay County - Beach
Street #: 912
Street Name: Camp Fire
Street Suffix: Circle
State: FL
Zip Code: 32413
County: Bay
Subdivision: Breakwater at Ward Creek
Parcel ID: 32717-250-166
Legal Description: BREAKWATER AT WARD CREEK PH 1 LOT 319 ORB 4815 P 1513
Homestead: Yes
HOA Fee: Yes
HOA Amount: 200
HOA Frequency: Monthly
HOA Annual Amount: 2400
New Buyer Fee: Yes
New Buyer Fee Amt: 600
New Buyer Fee Paid: $
Last Taxes: 1354.84
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: Yes
Remarks: NEW BUYER INCENTIVE! Seller offering $5,000 toward buyer's closing costs or an interest rate buy down with an acceptable offer.
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!
Cooktop - Gas: 1
Dishwasher: 1
Oven - Double: 1
Range Hood: 1
Floor - Vinyl Plank: 1
Kitchen Island: 1
Roof - Shingle/Shake: 1
Siding - Hardie Board: 1
Deck Covered: 1
Fenced Back Yard: 1
Fenced Lot-All: 1
Patio Open: 1
Community Room: 1
Exercise Room: 1
Gated Community: 1
Ground Keeping: 1
Gated Access: 1
Paved Road: 1
Driveway: 1
Garage Attached: 1
Community Room: 1
Exercise Room: 1
Gated Community: 1
Picnic Area: 1
Covered Porch: 1
Great Room: 1
Kitchen: 1
Primary Bedroom: 1
Cable - Available: 1
Electricity - Connected: 1
Natural Gas - Connected: 1
Public Sewer - Connected: 1
Ceiling Fan(s): 1
Central Air: 1
MBath Double Vanity: 1
MBath Separate Shwr: 1
MBath Tub - Soaking: 1
MBed First Floor: 1
Gated Community: 1
Smoke Detector(s): 1
Appliances: Cooktop - Gas; Dishwasher; Disposal; Dryer; Ice Maker; Microwave; Oven - Double; Range Hood; Refrigerator; Washer
Cooling: Ceiling Fan(s); Central Air; Electric
Heating: Central; Electric
Exterior: Deck Covered; Fenced Back Yard; Fenced Lot-All; Patio Open
Association Fees Include: Community Room; Exercise Room; Gated Community; Ground Keeping; Playground; Pool; Tennis
Financing: Cash; Conventional; FHA; VA
Lot Access: Gated Access; Paved Road
Security Features: Gated Community; Smoke Detector(s)
Parking Features: Driveway; Garage Attached; Oversized
Association Amenities: Community Room; Exercise Room; Gated Community; Pickle Ball; Picnic Area; Playground; Pool; Tennis
Rooms: Covered Porch; Great Room; Kitchen; Primary Bedroom
Utilities: Cable - Available; Electricity - Connected; Natural Gas - Connected; Public Sewer - Connected
Present Zoning: Resid Single Family
| Room Name | Level | Dimensions | Length | Width |
| Primary Bedroom | First | 17 x 14.5 | 17.00 | 14.50 |
| Great Room | First | 19 x 19 | 19.00 | 19.00 |
| Kitchen | First | 21 x 13 | 21.00 | 13.00 |
| Covered Porch | First | 24 x 9 | 24.00 | 9.00 |
Listing Office: Salty Marlin Realty LLC
Last Updated: August - 07 - 2026
Information deemed reliable but not guaranteed.