12560 Emerald Lake Drive, Panama City Beach, FL 32407

• 3 beds |
• 3 baths |
• 2,597 sqft

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!!!!

Listing Status:

Active

Date Added:

March 20, 2026

Data Last Updated:

April 2, 2026 at 6:16AM

Listing Office:

CENTURY 21 Ryan Realty Inc : 850-233-7926

MLS ID:

787111

Interior

• General: Interior StepsEntrance Foyer
• Appliances: Electric CooktopElectric OvenElectric Range
• Flooring: Luxury Vinyl Plank
• A/C: Central AirCeiling Fan(s)
• Heating: CentralElectricFireplace(s)Natural Gas
• Fireplace: ElectricFireplace

Exterior

• General: DeckDockPatioFire Pit
• Style: Contemporary
• Other Structures: BalconyDeckPatio
• Parking: GarageGarage Door OpenerPaved

Construction

• Roofing: Metal
• Windows: Double Pane Windows
• General: HardiPlank TypeOtherSee Remarks2Slab

Location

• Originating MLS: CPAR_CPAR
• County: Bay

Lot

• Zoning: EMERALD LAKE ESTATES LOT 13 ORB 4021 P 56234170-113-000
• View: LakeView
• Fencing: FencedPartialPrivacy

Utilities

• Utilities: Cable ConnectedElectricity Available
• Sewer: Public Sewer

Financial

• Source: CPAR_CPAR