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$400,000
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Property Description
'CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS' Beautifully maintained and thoughtfully updated 3-bedroom, 2-bath beach home is ideally situated on a quiet cul-de-sac in the heart of the central beach area. Designed with a light, airy coastal aesthetic, the interior features fresh paint throughout and stylish finishes that create a relaxed, move-in-ready retreat. The spacious 21x15 living room is enhanced by vaulted ceilings, offering an open and inviting atmosphere. The kitchen is both functional and appealing, featuring stainless steel appliances, cream-colored solid surface countertops, and crisp white cabinetry. Durable vinyl wood plank flooring runs throughout most of the home, combining style with easy maintenance. A desirable split-bedroom floor plan provides privacy, with a well-appointed primary suite offering dual closets and an updated en-suite bath complete with dual vanities, marble countertops, upgraded fixtures, and designer touches including coastal-inspired accents. Two additional bedrooms share a full bath with an upgraded vanity, lighting and plumbing fixtures. Step outside to enjoy a fully fenced backyard with well-maintained landscaping, supported by a sprinkler system on a newly installed shallow well pump. The outdoor space also includes a storage building and a shaded patio-perfect for relaxing or entertaining. Energy efficiency is a standout feature, with paid off solar panels keeping the current owner's electric bill at approximately $40 per month. Located just minutes from the beach, this home offers easy access to local favorites including Pier Park, Pirates Voyage Dinner & Show, and Topgolf Panama City Beach, along with shopping, dining and other entertainment options. Whether you're looking for a primary residence, vacation getaway, or investment opportunity, this home delivers the perfect blend of comfort, style, and location.
Full Property Details
Full Property Details for 12590 Emerald Lake Dr
General
- Sold For: $400,000
- Taxes: $2,580 (2025)
- Status: Closed
- Type: Single Family
- Source: Bay_County
- MLS ID: 788503
- Added to Site: 131 day(s) ago
Interior
- Number of Rooms: 11
- Interior Features: Double Vanity, Main Level Primary, Tub Shower
- Appliances: Electric Range, Gas Water Heater, Tankless Water Heater
Rooms
Bathrooms
- Total Bathrooms: 2
- Full Bathrooms: 2
Bedrooms
- Total Bedrooms: 3
Exterior
- Exterior Features: Patio
- Porch/Patio/Deck: Patio, Covered, Porch
Parking
- Garage: Yes
- Garage Spaces: 2
Location
- County: Bay
- Subdivision: Emerald Lake Estates
- Driving Directions: Take Panama City Beach Parkway West, turn right at the light onto Clara Ave., take your first right onto Emerald Lake Drive. 2nd home on the right. Street is a cul-de-sac.
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
Utilities
- Sewer: Public Sewer
- Utility Description: Electricity Available
Structural Information
- Architectural Style: Coastal
- Construction: Stucco, Wood Frame
- Roof: Composition, Shingle
- Windows: Double Pane Windows
- Sq. Ft. Source: Appraiser
- Year Built: 1991
Additional Structures
- Other Structures: Shed(s)
Lot Features
- Lot Size (Acres): 0.15
- Lot Size (Sq. Ft.): 6,360
- Lot Size: .15
- Lot Dimensions: 60 x 106
- Lot Features: Sprinkler System, Paved
- Zoning: Resid Single Family
- Fencing (Description): Fenced
Financial Considerations
- Tax Amount: $2,580
- Tax Year: 2025
Disclosures and Reports
- Special Conditions: Listed As-Is
- Legal Description: EMERALD LAKE ESTATES LOT 16 ORB 1365 P 456
- Property ID: 34170-116-000
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Schools
Schools serving 12590 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 12590 Emerald Lake Dr
Date
Details
Price
Change
Source
7/17/2026
Sold
$400,000
-4.76%
MLS
5/15/2026
Price Reduced
$420,000
-1.18%
MLS
4/17/2026
Listed
$425,000
—
MLS
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
12590 Emerald Lake Drive, Panama City Beach, FL 32407 (MLS# 788503) is a Single Family property that was sold at $400,000 on July 17, 2026. This property was listed by Laura Hartzog from our Panama City Beach - Thomas Dr. Office.Want to learn more about 12590 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.


