109 Turtle Cove, Panama City Beach, FL 32413
$569,000
Property Type:
Residential
Bedrooms:
3
Baths:
2
Square Footage:
1,756
Lot Size (sq. ft.):
5,663
Status:
Active
Current Price:
$569,000
List Date:
10/17/2025
Last Modified:
3/06/2026
Description
Furnished or unfurnished priced 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
Supplements: 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.
More Information MLS# 987806
Contract Info
Listing Board: Emerald Coast
List Price/SqFt: 324.03
List Date: 2025-10-17
Current Price: $569,000
List Price: $569,000
Location, Tax and Legal
Sub Area: 2722 - Beach - North West
Elementary School: West Bay
Middle School: Surfside
High School: Arnold
Legal Description: TURTLE COVE AT LAKE POWELL LOT 60 ORB 4696 P 1509
General Property Info
Sub-Type: Detached Single Family
Design: Florida Cottage
SqFt Source: Building Plan
Immediate Occupancy: Yes
Garage: Yes
Carport: Yes
Carport Spaces: 1
Driveway Spaces: 1
Pool: Yes
Pool Type: Community
Apx SqFt(Htd/Cooled): 1756
Bedrooms: 3
Full Baths: 2
Total Bathrooms: 2
# Stories: 1
Year Built: 2018
Garage Spaces: 1
Acreage: 0.13
Listing Info, Tax & Legal
Is Subject Leased: No
Assessment Fees: Yes
Assessment Amount: 767
Annual Assessment Amount: 3068
Assessment Paid: Quarterly
New Buyer Fee: Yes
New Buyer Fee Amt: 0.25
New Buyer Fee Paid: %
Last Taxes: 5208.96
Last Tax Year: 2024
Brokerage Interest: No Interest
As Is: Yes
Remarks & Misc
Remarks: Furnished or unfurnished priced 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
Construction Status
Construction Complete: 1
Parking Features
Carport: 1
Garage Attached: 1
Project Facilities
Community Room: 1
Dock: 1
Exercise Room: 1
Fishing: 1
Pets Allowed: 1
Pickle Ball: 1
Picnic Area: 1
Pool: 1
Short Term Rental - Not Allowed: 1
Tennis: 1
Waterfront: 1
Construction/Siding
Roof Composite Shngl: 1
Roof Pitched: 1
Siding CmntFbrHrdBrd: 1
Slab: 1
Trim Vinyl: 1
Trim Wood: 1
Utilities
Electric: 1
Gas - Natural: 1
Public Sewer: 1
Public Water: 1
TV Cable: 1
Zoning
Resid Single Family: 1
Exterior
Columns: 1
Patio Covered: 1
Porch: 1
Sprinkler System: 1
Interior
Ceiling Tray/Cofferd: 1
Furnished - All: 1
Kitchen Island: 1
Lighting Recessed: 1
Pantry: 1
Washer/Dryer Hookup: 1
Window Treatment All: 1
Financing
Conventional: 1
FHA: 1
VA: 1
Appliances
Auto Garage Door Opn: 1
Dishwasher: 1
Disposal: 1
Dryer: 1
Microwave: 1
Refrigerator W/IceMk: 1
Smoke Detector: 1
Stove/Oven Gas: 1
Washer: 1
Energy
AC - High Efficiency: 1
Double Pane Windows: 1
Heat High Efficiency: 1
Water Heater - Gas: 1
Water Heater - Tnkls: 1
Mstr Bdrm/Mstr Bath
MBath Tile: 1
MBath Walk-In Closet: 1
MBed Carpeted: 1
MBed First Floor: 1
MBed Trey Ceiling: 1
Master Bedroom
First: 1
Bedroom
First: 1
Kitchen
First: 1
Living Room
First: 1
Rooms
Bedroom: 1
Dining Area: 1
Garage: 1
Kitchen: 1
Laundry: 1
Living Room: 1
Master Bedroom: 1
Mud Room: 1
Fees Include
Accounting: 1
Land Recreation: 1
Legal: 1
Management: 1
Master Association: 1
Trash: 1
Status Change Info
Status: Active
Location Tax and Legal
Area: 27 - Bay County
Street #: 109
Street Name: Turtle
Street Suffix: Cove
State: FL
Zip Code: 32413
County: Bay
Project Name/Subdivision: Turtle Cove at Lake Powell
Parcel ID: 36068-160-000
Property Features
Construction Status: Construction Complete
Zoning: Resid Single Family
Parking Features: Carport; Garage Attached
Project Facilities: Community Room; Dock; Exercise Room; Fishing; Pets Allowed; Pickle Ball; Picnic Area; Pool; Short Term Rental - Not Allowed; Tennis; Waterfront
Exterior: Columns; Patio Covered; Porch; Sprinkler System
Interior: 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
Utilities: Electric; Gas - Natural; Public Sewer; Public Water; TV Cable
Energy: AC - High Efficiency; Double Pane Windows; Heat High Efficiency; Water Heater - Gas; Water Heater - Tnkls
Master Bedroom: First
Bedroom: First
Kitchen: First
Living Room: First
Rooms: Bedroom; Dining Area; Garage; Kitchen; Laundry; Living Room; Master Bedroom; Mud Room
Financing: Conventional; FHA; VA
Fees Include: Accounting; Land Recreation; Legal; Management; Master Association; Trash
Room Information
Living Room
Level: First
Dimensions: 16 x 17
Length: 16.00
Width: 17.00
Remarks: Furnished
Dimensions: 16 x 17
Dining Area
Level: First
Dimensions: 12 x 12
Length: 12.00
Width: 12.00
Remarks: Furnished
Dimensions: 12 x 12
Kitchen
Level: First
Dimensions: 10 x 12
Length: 10.00
Width: 12.00
Dimensions: 10 x 12
Master Bedroom
Level: First
Dimensions: 14 x 14
Length: 14.00
Width: 14.00
Remarks: Furnished
Dimensions: 14 x 14
Mud Room
Level: First
Dimensions: 11 x 8
Length: 11.00
Width: 8.00
Dimensions: 11 x 8
Laundry
Level: First
Dimensions: 6 x 8
Length: 6.00
Width: 8.00
Dimensions: 6 x 8
Garage
Level: First
Dimensions: 26 x 11
Length: 26.00
Width: 11.00
Remarks: Oversized with storage
Dimensions: 26 x 11
Bedroom
Level: First
Dimensions: 11 x 12
Length: 11.00
Width: 12.00
Remarks: Furnished
Dimensions: 11 x 12
Bedroom
Level: First
Dimensions: 11 x 11
Length: 11.00
Width: 11.00
Remarks: Furnished
Dimensions: 11 x 11
Listing Office:
Compass
Listing Agent:
LeAnn B Nethery
Last Updated: March - 06 - 2026
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