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$575,000
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Property Description
Easy to show 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 in your cozy dining area or 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
Full Property Details for 109 Turtle Cove
General
- Price: $575,000
- Taxes: $5,209 (2024)
- Status: Active
- Type: Single Family
- Source: Bay_County
- MLS ID: 780578
- Updated: 1/12/2026
- Added to Site: 92 day(s) ago
Interior
- Number of Rooms: 8
- Interior Features: Mud Room
- Appliances: Gas Cooktop, Gas Oven, Gas Water Heater, Plumbed For Ice Maker, Tankless Water Heater
Rooms
Bathrooms
- Total Bathrooms: 2
- Full Bathrooms: 2
Bedrooms
- Total Bedrooms: 3
Additional Information
- Shared Amenities: Dock
- Pool: Yes
- Pool Description: Community
- Tennis: Yes
- Security/Safety: Smoke Detector(s)
Exterior
- Porch/Patio/Deck: Covered, Patio, Porch
Parking
- Garage: Yes
- Garage Spaces: 1
- Covered Spaces: 1
- Parking Features: Garage, Garage Door Opener
Location
- County: Bay
- Subdivision: Turtle Cove At Lake Powell
- Driving Directions: From the intersection of Hwy 79 & Hwy 98 travel west until you reach the entrance of Wild Heron. Turn left onto Wild Heron Way and turn left into Turtle Cove.
School Information
- Elementary School: West Bay
- Middle School: Surfside
- High School: Arnold
Community
- Community Name: 03 - Bay County - Beach
- Association: Yes
Heating & Cooling
- Central air: Yes
- Air Conditioning: Yes
- Cooling Type: Central Air
- Heating Type: Central
Utilities
- Sewer: Public Sewer
- Utility Description: Underground Utilities
Structural Information
- Architectural Style: Florida
- Construction: HardiPlank Type
- Windows: Double Pane Windows, Storm Window(s)
- Stories/Levels: 1
- Sq. Ft. Source: Plans
- Year Built: 2018
Lot Features
- Lot Size (Acres): 0.13
- Lot Size (Sq. Ft.): 5,663
- Lot Size: .13
- Lot Dimensions: 50 x 100
- Lot Features: Sprinkler System, Paved
Water Features
- Boat Dock Slip: Yes
Financial Considerations
- Tax Amount: $5,209
- Tax Year: 2024
Disclosures and Reports
- Special Conditions: Listed As-Is
- Legal Description: TURTLE COVE AT LAKE POWELL LOT 60 ORB 4696 P 1509
- Property ID: 36068-160-000
Listed by Compass Florida, LLC
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Schools
Schools serving 109 Turtle Cove
School District:Bay County School District
| Name | Grades | Distance |
|---|---|---|
West Bay Elementary School 14813 School Dr, Panama City Beach, FL 32413 | K-5 | 6.1 mi |
Surfside Middle School 300 Nautilus Street, Panama City Beach, FL 32413 | 6-8 | 7.3 mi |
J.R. Arnold High School 550 North Alf Coleman Road, Panama City Beach, FL 32407 | 9-12 | 9.3 mi |
Disclaimer:
School attendance boundaries provided by Pitney Bowes and are for reference only. Contact the school directly to verify enrollment eligibility.
Price & Sales History for 109 Turtle Cove
Date
Details
Price
Change
Source
10/18/2025
Listed
$575,000
13.93%
MLS
5/30/2023
Sold
$504,700
—
Public Record
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
Tax History for 109 Turtle Cove
Year
Property Taxes
Change
Tax Assessment
Change
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
—
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
Estimate the Cost for 109 Turtle Cove
109 Turtle Cove, Panama City Beach, FL 32413 (MLS# 780578) is a Single Family property with 3 bedrooms and 2 full bathrooms. 109 Turtle Cove is currently listed for $575,000 and was received on October 18, 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.

