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$762,200
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Property 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!!!!
Full Property Details
Full Property Details for 12560 Emerald Lake Dr
General
- Sold For: $762,200
- Taxes: $3,237 (2025)
- Status: Closed
- Type: Single Family
- Source: Bay_County
- MLS ID: 787111
- Added to Site: 112 day(s) ago
Interior
- Number of Rooms: 17
- Interior Features: Interior Steps, Jetted Tub, Separate Shower, Upper Level Primary, Walk-In Closet(s), Entrance Foyer
- Fireplace: Yes
- Fireplace(s): Electric
- Appliances: Electric Cooktop, Electric Oven, Electric Range
Rooms
Bathrooms
- Total Bathrooms: 3
- Full Bathrooms: 2
- Half Bathrooms: 1
Bedrooms
- Total Bedrooms: 3
Additional Information
- Security/Safety: Security System Owned, Security Lights, Security System, Fire Alarm, Smoke Detector(s)
Exterior
- Exterior Features: Deck, Dock, Patio, Fire Pit
- Porch/Patio/Deck: Deck, Patio, Balcony
Parking
- Garage: Yes
- Garage Spaces: 2
- Parking Features: Garage, Garage Door Opener, Paved
Location
- County: Bay
- Subdivision: Emerald Lake Estates
- Driving 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.
School Information
- Elementary School: Hutchison Beach
- Middle School: Surfside
- High School: Arnold
Community
- Community Name: 03 - Bay County - Beach
Heating & Cooling
- Central air: Yes
- Air Conditioning: Yes
- Cooling Type: Central Air, Ceiling Fan(s)
- Heating Type: Central, Electric, Fireplace(s), Natural Gas
Utilities
- Sewer: Public Sewer
- Utility Description: Cable Connected, Electricity Available
Structural Information
- Architectural Style: Contemporary
- Construction: HardiPlank Type, Other, See Remarks
- Roof: Metal
- Windows: Double Pane Windows
- Doors: Insulated Doors
- Stories/Levels: 2
- Sq. Ft. Source: Plans
- Year Built: 2019
Lot Features
- Property View: Lake, Water
- Lot Size (Acres): 0.18
- Lot Size (Sq. Ft.): 7,841
- Lot Size: .18
- Lot Dimensions: 75 x 106
- Lot Features: Cul-De-Sac, Sprinkler System, Paved
- Zoning: City, Resid Single Family
- Fencing (Description): Fenced, Partial, Privacy
Water Features
- Water Front: Yes
- Water View: Yes
- Water Front Desc.: Lake, Lake Front
- Water Front View: Lake, Lake Front
- Lake Front: Yes
Financial Considerations
- Tax Amount: $3,237
- Tax Year: 2025
Disclosures and Reports
- Legal Description: EMERALD LAKE ESTATES LOT 13 ORB 4021 P 562
- Property ID: 34170-113-000
Listed and Sold by CENTURY 21 Ryan Realty Inc
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Schools
Schools serving 12560 Emerald Lake Dr
School District:Bay County School District
| Name | Grades | Distance |
|---|---|---|
Hutchison Beach Elementary School 12900 Middle Beach Rd, Panama City, FL 32407 | K-5 | 0.3 mi |
Surfside Middle School 300 Nautilus Street, Panama City Beach, FL 32413 | 6-8 | 1.1 mi |
J.R. Arnold High School 550 North Alf Coleman Road, Panama City Beach, FL 32407 | 9-12 | 1.3 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 12560 Emerald Lake Dr
Date
Details
Price
Change
Source
7/02/2026
Sold
$762,200
-2.28%
MLS
3/20/2026
Listed
$780,000
—
MLS
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
12560 Emerald Lake Drive, Panama City Beach, FL 32407 (MLS# 787111) is a Single Family property that was sold at $762,200 on July 02, 2026. Want to learn more about 12560 Emerald Lake Drive? 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.

