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$865,000
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Property Description
CURRENTLY UNDER CONTRACT - SELLER TAKING BACKUP OFFERS! Welcome to a home that was never meant to be sold. Built in August 2025 as a true forever home, this custom Toll Brothers Caswell design from the Vista Collection was thoughtfully selected with intention, quality, and comfort in mind. Life had other plans, offering a rare opportunity to own a nearly-new, highly upgraded home without the wait. Here is the piece the public tax record does not show. The private 11' x 24' saltwater heated pool and its screened enclosure were a $120,000 post-purchase investment by the sellers, separate from the home purchase itself. At $899,999, this listing essentially reflects what the sellers are all-in on this property. A buyer here inherits the finished home, the finished pool, and a community with amenities officially open, without the appreciation premium or the 18-month wait of a new build. Tucked on a premium cul-de-sac lot with the majority of street construction complete, the home offers peace, privacy, and permanence rarely found in newer communities. Backing to a natural wooded preserve with serene lake views beyond, there are no rear neighbors and a setting that feels both private and connected to nature. The outdoor space has been fully transformed. The 11' x 24' saltwater heated pool features a steel-reinforced shotcrete shell, pebble sheen finish, tanning shelf, and bench seating. An attached spa with waterfall and five jets adjoins the pool, all enclosed within a screened lanai for year-round use. The lanai is pre-plumbed for gas and ready for a future outdoor kitchen. Inside, a multi-slide stacked glass door connects the great room to the lanai and pool. Tray ceilings elevate the foyer, great room, and primary suite. A bonus room with glass panel doors creates a functional work-from-home space. The kitchen features an oversized double-sided quartz island with abundant storage, custom cabinetry, ceramic tile backsplash, a suite of KitchenAid stainless appliances (36'' gas cooktop with hood, built-in microwave, and oven), and a Samsung Bespoke refrigerator. The primary suite offers a spa-like bathroom with frameless glass shower, ceiling-mounted rain head, upgraded Kohler fixtures, elevated vanities, and designer tile carried throughout. Hard surface flooring runs throughout, with porcelain tile in all baths. Additional features include hurricane-rated front and rear windows and doors, solid 2x6 construction, LED recessed lighting with dimmers, smart home technology, a security system, upgraded interior hardware, comfort-height toilets, a three-car garage with durable non-slip polyurea flooring, and a paver driveway. Breakwater's amenities are officially open: resort pool with lap lanes, luxury clubhouse, fitness center, pickleball and tennis courts, outdoor fireplace, and playground. Four miles to the beach, shopping, dining, and entertainment. Ten miles to Northwest Florida Beaches International Airport. The quality of new construction. The upgrades of a custom build. The ease of completely move-in ready. Without the wait.
Full Property Details
Full Property Details for 917 Camp Fire Cir
General
- Sold For: $865,000
- HOA FEE: $210/month
- Taxes: $1,355 (2025)
- Status: Closed
- Type: Single Family
- Source: Bay_County
- MLS ID: 787538
- Added to Site: 151 day(s) ago
Interior
- Number of Rooms: 10
- Interior Features: Main Level Primary, Smart Home, Shower Only
- Appliances: Electric Oven, Gas Cooktop, Gas Water Heater, Tankless Water Heater
Rooms
Bathrooms
- Total Bathrooms: 3
- Full Bathrooms: 2
- Half Bathrooms: 1
Bedrooms
- Total Bedrooms: 3
Additional Information
- Shared Amenities: Gated
- Pool: Yes
- Private Pool: Yes
- Pool Description: Gunite, In Ground, Screen Enclosure, Community, Private
- Tennis: Yes
Exterior
- Porch/Patio/Deck: Covered, Patio, Porch
Parking
- Garage: Yes
- Garage Spaces: 3
- Parking Features: Garage, Garage Door Opener
Location
- County: Bay
- Subdivision: Breakwater at Ward Creek
- Driving Directions: Traveling South on Highway 79 turn right into the gated community, Breakwater at Ward Creek, take your first left onto Camp Fire Circle, the home is on the right. Traveling North on Highway 79 turn left into the neighborhood and follow the directions above.
School Information
- Elementary School: West Bay
- Middle School: Surfside
- High School: Arnold
Community
- Community Name: 03 - Bay County - Beach
- Association: Yes
- Assoc. Fees Include: Association Management, Clubhouse, Fitness Facility, Insurance, Legal/Accounting, Maintenance Grounds, Playground, Pool(s), Tennis Courts
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, Underground Utilities
Structural Information
- Architectural Style: Contemporary
- Construction: Brick Veneer, HardiPlank Type
- Roof: Asphalt
- Windows: Storm Window(s), Tinted Windows
- Doors: Storm Door(s)
- Sq. Ft. Source: Plans
- Year Built: 2025
Lot Features
- Property View: Lake
- Lot Size (Acres): 0.17
- Lot Size (Sq. Ft.): 7,187
- Lot Size: .17
- Lot Dimensions: 60 x 120
- Frontage: Highway
- Lot Features: Sprinkler System, Paved
- Zoning: Resid Single Family
Water Features
- Water View: Yes
Financial Considerations
- Association Fee: $210
- Assoc Fee Freq.: Monthly
- Tax Amount: $1,355
- Tax Year: 2025
Disclosures and Reports
- Special Conditions: Listed As-Is
- Legal Description: BREAKWATER AT WARD CREEK PH 1 LOT 311 ORB 4815 P 1513
- Property ID: 32717-250-150
Listed by Keller Williams Success Realty
Sold by Anchor Realty Florida
Get Pre-Approved Today
Schools
Schools serving 917 Camp Fire Cir
School District:Bay County School District
| Name | Grades | Distance |
|---|---|---|
West Bay Elementary School 14813 School Dr, Panama City Beach, FL 32413 | K-5 | 2.1 mi |
Surfside Middle School 300 Nautilus Street, Panama City Beach, FL 32413 | 6-8 | 4.1 mi |
J.R. Arnold High School 550 North Alf Coleman Road, Panama City Beach, FL 32407 | 9-12 | 5.4 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 917 Camp Fire Cir
Date
Details
Price
Change
Source
8/13/2026
Sold
$865,000
-3.89%
MLS
6/03/2026
Price Reduced
$899,999
-3.23%
MLS
5/07/2026
Price Reduced
$930,000
-2.11%
MLS
4/13/2026
Price Reduced
$950,000
-2.56%
MLS
3/28/2026
Listed
$975,000
—
MLS
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
917 Camp Fire Circle, Panama City Beach, FL 32413 (MLS# 787538) is a Single Family property that was sold at $865,000 on August 13, 2026. Want to learn more about 917 Camp Fire Circle? 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.

