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Harrison Lilly

Owner/Operator | Harrison Lilly Emerald Coast | Harrison Lilly Realty | PLACE

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912 Camp Fire Cir , Panama City Beach, FL 32413
$865,000
Est. Payment: $4,387.12/mo
4 Bed
4 Bath
2839 Sqft
Status: active | Days on site: 61
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

NEW BUYER INCENTIVE! Seller offering $5,000 toward buyer's closing costs or an interest rate buy down with an acceptable offer. Welcome to Breakwater, one of Panama City Beach's premier gated communities, where resort style amenities, modern design, and everyday convenience come together. This exceptional Grayton floor plan features over $100,000 in Toll Brothers builder upgrades and is situated on one of the community's most desirable homesites, backing to protected land that is restricted from future development, providing a rare sense of privacy and a backyard view that will remain preserved. This beautifully maintained 4 bedroom, 3.5 bath home features soaring ceilings, an open concept layout, a spacious 3 car garage, and a backyard with plenty of room to create your own private oasis, including space for a future pool. Filled with natural light, the spacious kitchen and living area create the perfect place for entertaining, gathering with family, and enjoying everyday life. Thoughtfully upgraded with over $100,000 in Toll Brothers builder upgrades, this home features a luxury KitchenAid appliance package with a gas cooktop and double wall ovens, premium quartz countertops, an expanded kitchen island, wide plank hardwood flooring throughout most of the home, tray ceilings, a dedicated office, spa inspired primary suite, and an impressive 12 foot stacking sliding glass door that seamlessly blends indoor and outdoor living. A complete builder upgrade summary is available in the MLS documents. The spa inspired primary suite features a freestanding soaking tub, oversized walk in shower with frameless glass, rain shower head, designer tile, and luxury finishes throughout, creating the perfect place to unwind. What truly sets this Panama City Beach home apart is the lifestyle. Breakwater residents enjoy a gated entrance, resort style pool, pickleball courts, tennis courts, fitness center, clubhouse, and playground, all designed to make everyday living feel a little more like a getaway. Conveniently located just minutes from Pier Park, the white sand beaches of the Emerald Coast, Northwest Florida Beaches International Airport, shopping, dining, and entertainment, this home offers the perfect combination of luxury, convenience, and coastal living. Where everyday living feels like a getaway!

Highlights

Listed by Kaitlyn Fucci , 850-814-6839 Salty Marlin Realty LLC , 850-615-2406. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.17

HOA Fee

200 Monthly

Year Built

2025

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Breakwater at Ward Creek

Listing ID

791587

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:4
  • Full Bathrooms:3
  • 1/2 Bathrooms:1
Appliances:Gas Cooktop, Ice Maker
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Double Vanity, Main Level Primary, Soaking Tub, Separate Shower, Walk-In Closet(s)

Exterior Features

Lot:Cul-De-Sac,Paved
Lot Dimensions:60.0 ft x 125.0 ft
Zoning:Resid Single Family
Roof:Shake
Others:
  • Additional:Covered Patio, Patio
Sewer:Public Sewer
Parking Features:Gated
Principal Interest
$4,387
Taxes
$113
HOA
$200

Home Price

$865,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$173,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$4,387.12

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $4,387.12 $112.90 $200.00 $4,700.02
Yearly $52,645.40 $1,354.84 $2,400.00 $56,400.24
Total $1,579,362.05 $40,645.20 $72,000.00 $1,692,007.25

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

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Market insight data is pulled from the same city as the listing being viewed (Panama City Beach, FL).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Bay County Association of REALTORS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-08-20T06:33:19.000Z

© 2026 Bay County Association of REALTORS