Recently Viewed Properties
See This Home
Save This Listing
Close

View All Photos

$570,000

  • For Sale
  • Active
  • Single Family
  • 3 Beds
  • 2 Full Baths
  • 1,756 Sq. Ft.
See This Home
Save This Home
See This Home
Save This Home
Easy to❤️ this furnished home at 109 Turtle Cove in Panama City Beach, FL, where coastal charm meets classic style. This inviting beach retreat is a true gem, ready for you to move in with just your personal belongings. Custom built 1756 square feet designed home features three spacious bedrooms & two bathrooms. The open-concept layout features crown molding and 9 foot ceilings with premium upgrades including high end lighting fixtures, wood tile flooring, & abundant storage solutions.The kitchen is fully equipped to meet the needs of any home chef. It boasts a gas stove & cooktop, a microwave, a large refrigerator all centered around a stainless steel island. The expansive pantry & ample cabinetry make it a hostess' dream for storing entertaining essentials. Enjoy leisurely meals step out onto your private patio to savor breathtaking sunsets. Beyond the home's stunning interiors, the vibrant community offers an array of amenities. Dive into relaxation with a large pool and hot tub, engage in a game of tennis or pickleball, or maintain your fitness routine at the fitness center. For those with a love for water adventures, a dock provides access to the serene Lake Powell and the majestic Gulf of America. With the convenience of both an attached garage and carport, alongside a spacious laundry room, this home is perfectly set up to be your primary residence or an idyllic second home. Located just 1.1 miles by golf cart or bike from pristine white sandy beaches, you're also a mere 3 miles from the eastern end of the iconic 30A Highway and 6.5 miles from the lively Pier Park shopping and dining district. The location is truly unparalleled, offering the perfect blend of convenience and community spirit, with welcoming neighbors that make Turtle Cove at Lake Powell an exceptional place to call home. Discover the delightful lifestyle awaiting you at the entrance to Wild Heron and Sharkstooth Golf Club.

Full Property Details for 109 Turtle Cove

General

  • Price: $570,000
  • Taxes: $5,208 (2024)
  • Status: Active
  • Type: Single Family
  • Source: Emerald_Coast
  • MLS ID: 987806
  • Updated: 2/6/2026
  • Added to Site: 155 day(s) ago

Interior

  • Rooms/Areas: Bedroom, Dining Area, Garage, Kitchen, Laundry, Living Room, Master Bedroom, Mud Room
  • Interior Features: Ceiling Tray/Cofferd, Furnished - All, Kitchen Island, Lighting Recessed, Pantry, Washer/Dryer Hookup, Window Treatment All
  • Appliances: Auto Garage Door Opn, Dishwasher, Disposal, Dryer, Microwave, Refrigerator W/IceMk, Smoke Detector, Stove/Oven Gas, Washer

Rooms

Bathrooms

  • Total Bathrooms: 2
  • Full Bathrooms: 2

Bedrooms

  • Total Bedrooms: 3

Other Rooms

  • Living Room: Living Room
  • Kitchen: Kitchen
  • Mud Room: Mud Room

Additional Information

  • Shared Amenities: Community Room, Dock, Exercise Room, Fishing, Pets Allowed, Pickle Ball, Picnic Area, Pool, Short Term Rental - Not Allowed, Tennis, Waterfront
  • Pool: Yes

Exterior

  • Exterior Features: Columns, Patio Covered, Porch, Sprinkler System

Parking

  • Garage: Yes
  • Garage Spaces: 1
  • Carports: Yes
  • Parking: Carport, Garage Attached

Location

  • Area: 27 - Bay County
  • County: Bay
  • Subdivision: Turtle Cove at Lake Powell
  • Driving Directions: From Hwy 98 and Hwy 79 intersection, travel west. Turn Right at the entrance marked Wild Heron. Turn left at the entrance marked Turtle Cove.

School Information

  • Elementary School: West Bay
  • Middle School: Surfside
  • High School: Arnold

Heating & Cooling

  • Heating/Cooling: AC - High Efficiency, Double Pane Windows, Heat High Efficiency, Water Heater - Gas, Water Heater - Tnkls

Utilities

  • Utility Description: Electric, Gas - Natural, Public Sewer, Public Water, TV Cable

Structural Information

  • Architectural Style: Florida Cottage
  • Construction: Roof Composite Shngl, Roof Pitched, Siding CmntFbrHrdBrd, Slab, Trim Vinyl, Trim Wood
  • Stories/Levels: 1
  • Square Feet: 1,756
  • Sq. Ft. Source: Building Plan
  • Year Built: 2018

Lot Features

  • Lot Size (Acres): 0.13
  • Lot Dimensions: 50 x 100
  • Zoning: Resid Single Family

Financial Considerations

  • Assessment Amount: $767
  • Assmt Payment Freq: Quarterly
  • Tax Amount: $5,208
  • Tax Year: 2024
  • Terms: Conventional, FHA, VA

Disclosures and Reports

  • Legal Description: TURTLE COVE AT LAKE POWELL LOT 60 ORB 4696 P 1509
  • Assessment: Yes
  • APN: 36068-160-000

Listed by Compass

Quickly Find Out More

* Indicates a required field

Yes, I would like more information. Please use and/or share my information with a Coldwell Banker ® affiliated agent to contact me about my real estate needs. By clicking Send Message, I request to be contacted by phone or text message and consent to being contacted by automated means. I understand that my consent to receive calls or texts is not a condition of purchasing any property, goods, or services. Alternatively, I understand that I can access real estate services by email or I can contact the agent myself.

If an Coldwell Banker affiliated agent is not available in the area where I need assistance, I agree to be contacted by a real estate agent affiliated with another brand owned or licensed by Anywhere Real Estate (BHGRE®, CENTURY 21®, Corcoran®, ERA®, or Sotheby’s International Realty®). I acknowledge that I have read and agree to the Terms of Use and Privacy Notice.

We Value Your Privacy

Listing agent

— 109 Turtle Cove —

  • Compass

Get Pre-Approved Today

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Schools serving 109 Turtle Cove

School District:Bay County School District
NameGradesDistance
West Bay Elementary School
14813 School Dr, Panama City Beach, FL 32413
K-56.1 mi
Surfside Middle School
300 Nautilus Street, Panama City Beach, FL 32413
6-87.3 mi
J.R. Arnold High School
550 North Alf Coleman Road, Panama City Beach, FL 32407
9-129.3 mi
Disclaimer: School attendance boundaries provided by ATTOM Data Solutions and are for reference only. Contact the school directly to verify enrollment eligibility.

Price & Sales History for 109 Turtle Cove Get Price Alerts and Save Property

Date
Details
Price
Change
Source
2/06/2026
Price Reduced
$570,000
-0.87%
MLS
10/17/2025
Listed
$575,000
13.93%
MLS
5/30/2023
Sold
$504,700
—
Public Record
Get Price Alerts and Save Property
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Tax History for 109 Turtle Cove

Year
Property Taxes
Change
Tax Assessment
Change
2025
$4,608
-12%
$422,226
—
2024
$5,209
8%
$421,020
2%
2023
$4,837
67%
$412,101
52%
2021
$2,898
-25%
$270,775
-19%
2022
$3,842
33%
$336,140
21%
2021
$2,898
6%
$278,674
17%
2019
$2,725
364%
$237,610
484%
2018
$587
30%
$40,700
10%
2017
$450
6%
$37,000
3%
2016
$424
—
$36,000
3%
2015
$426
-5%
$35,000
-5%
2014
$449
-5%
$37,000
-14%
2013
$474
—
$43,242
—
View All
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Estimate the Cost for 109 Turtle Cove

$
Down Payment
%
$
%

$
$

*These costs are estimates, and the interest rates assume exceptional credit standing.

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Listed by Compass

Similar Properties near 109 Turtle Cove

This is a carousel with tiles that activate property listing cards. Use the previous and next buttons to navigate.

109 Turtle Cove, Panama City Beach, FL 32413 - Photo 1
$569,000

109 Turtle Cove  Panama City Beach, FL 32413

  • Single Family
  • Active
  • 3
    Beds
  • 2
    Total Baths
751 Light Cast Wy, Panama City Beach, FL 32413 - Photo 1 Just Listed
$552,000

751 Light Cast Wy  Panama City Beach, FL 32413

  • Single Family
  • Active
  • Updated 5 days ago
  • 3
    Beds
  • 2
    Total Baths
769 Westwood Beach Cir, Panama City Beach, FL 32413 - Photo 1
$549,900

769 Westwood Beach Cir  Panama City Beach, FL 32413

  • Single Family
  • Active
  • 3
    Beds
  • 2
    Total Baths
771 Westwood Beach Cir, Panama City Beach, FL 32413 - Photo 1
$549,900

771 Westwood Beach Cir  Panama City Beach, FL 32413

  • Single Family
  • Active
  • 3
    Beds
  • 2
    Total Baths

Just Listed near 109 Turtle Cove

This is a carousel with tiles that activate property listing cards. Use the previous and next buttons to navigate.

153 Sea Eagle Ln, Santa Rosa Beach, FL 32459 - Photo 1 Just Listed
$738,000

153 Sea Eagle Ln  Santa Rosa Beach, FL 32459

  • Single Family
  • Active
  • Updated 3 days ago
  • 5
    Beds
  • 3
    Total Baths
321 Ridgewalk Cir, Santa Rosa Beach, FL 32459 - Photo 1 Just Listed
$1,175,000

321 Ridgewalk Cir  Santa Rosa Beach, FL 32459

  • Single Family
  • Active
  • Updated 4 days ago
  • 3
    Beds
  • 4
    Total Baths
  • 2,409
    Sq. Ft.
297 Ventana Blvd, Santa Rosa Beach, FL 32459 - Photo 1 Just Listed
$965,000

297 Ventana Blvd  Santa Rosa Beach, FL 32459

  • Single Family
  • Active
  • Updated 2 days ago
  • 3
    Beds
  • 3
    Total Baths
86 Village Blvd, Santa Rosa Beach, FL 32459 - Photo 1 Just Listed
$575,000

86 Village Blvd  #411  Santa Rosa Beach, FL 32459

  • Condo
  • Active
  • Updated 3 days ago
  • 3
    Beds
  • 2
    Total Baths

Price Reduced near 109 Turtle Cove

This is a carousel with tiles that activate property listing cards. Use the previous and next buttons to navigate.

123 Big Oak Ln, Santa Rosa Beach, FL 32459 - Photo 1 Price Reduced
-$5,000 (-0.77%)
$644,900

123 Big Oak Ln  Santa Rosa Beach, FL 32459

  • Single Family
  • Active
  • Updated 3 days ago
  • 3
    Beds
  • 2
    Total Baths
61 Madie Ln, Santa Rosa Beach, FL 32459 - Photo 1 Price Reduced
-$10,000 (-1.52%)
$649,900

61 Madie Ln  Santa Rosa Beach, FL 32459

  • Single Family
  • Active
  • Updated 5 days ago
  • 4
    Beds
  • 3
    Total Baths
148 Summer Breeze Ln, Santa Rosa Beach, FL 32459 - Photo 1 Price Reduced
-$4,000 (-0.62%)
$645,000

148 Summer Breeze Ln  Santa Rosa Beach, FL 32459

  • Single Family
  • Active
  • Updated 3 days ago
  • 2
    Beds
  • 2
    Total Baths
150 Calm Gulf Dr, Santa Rosa Beach, FL 32459 - Photo 1 Price Reduced
-$2,000 (-1.11%)
$177,999

150 Calm Gulf Dr  Santa Rosa Beach, FL 32459

  • Lots/Land
  • Active
  • Updated 3 days ago
  • 0.32
    Acres
Listed by New Alliance Group Realty

Recent Sales near 109 Turtle Cove

This is a carousel with tiles that activate property listing cards. Use the previous and next buttons to navigate.

21720 Pompano Ave, Panama City Beach, FL 32413 - Photo 1 Sold
$640,000

21720 Pompano Ave  Panama City Beach, FL 32413

  • Single Family
  • Closed
  • 3
    Beds
  • 2
    Total Baths
339 Kelly St, Panama City Beach, FL 32413 - Photo 1 Sold
$610,000

339 Kelly St  Panama City Beach, FL 32413

  • Single Family
  • Closed
  • 4
    Beds
  • 2
    Total Baths
Sold by Courtney Pantalena
104 Dupree St, Panama City Beach, FL 32413 - Photo 1 Sold
$525,000

104 Dupree St  Panama City Beach, FL 32413

  • Land Residential
  • Closed
  • 0.18
    Acres
21525 Hilltop Ave, Panama City Beach, FL 32413 - Photo 1 Sold
$490,000

21525 Hilltop Ave  Panama City Beach, FL 32413

  • Single Family
  • Closed
  • Updated 8 days ago
  • 2
    Beds
  • 1
    Total Bath

109 Turtle Cove, Panama City Beach, FL 32413 (MLS# 987806) is a Single Family property with 3 bedrooms and 2 full bathrooms. 109 Turtle Cove is currently listed for $570,000 and was received on October 17, 2025. Want to learn more about 109 Turtle Cove? Do you have questions about finding other Single Family real estate for sale in Panama City Beach? You can browse all Panama City Beach real estate or contact a Coldwell Banker agent to request more information.

Tour this property