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Harrison Lilly

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

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912 Camp Fire Cir Lot 319 , Panama City Beach, FL 32413
$865,000
Est. Payment: $4,387.12/mo
4 Bed
4 Bath
2839 Sqft
Status: active | Days on site: 39
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to Breakwater, one of Panama City Beach's premier gated communities, where resort-style amenities, modern design, and everyday convenience come together. 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. Situated on a desirable corner homesite near a quiet cul-de-sac, this move-in-ready home offers all the benefits of new construction without the wait. Filled with natural light, the spacious kitchen and living area create the perfect place for entertaining, gathering with family, and enjoying everyday life. The primary suite features a spa-inspired bath complete with an oversized soaking tub, creating the perfect place to unwind. What truly sets this Panama City Beach home apart is the lifestyle. Breakwater residents enjoy resort-style amenities including a community pool, pickleball courts, tennis courts, fitness center, clubhouse, playground, and a gated entrance--all designed to make everyday living feel a little more like a getaway. Conveniently located just minutes from shopping, dining, Northwest Florida Beaches International Airport, Pier Park, and the beautiful white-sand beaches of the Emerald Coast, this home offers the perfect combination of luxury, convenience, and coastal living. Where everyday living feels like a getaway!!

Highlights

Listed by Kaitlyn Fucci , 850-928-0224 Salty Marlin Realty , 850-615-2406. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.18

HOA Fee

Year Built

2025

County

Bay

Area

27 - Bay County

Neighborhood

Breakwater at Ward Creek

Listing ID

1007466

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:4
  • Full Bathrooms:3
  • 1/2 Bathrooms:1
Appliances:Dishwasher, Disposal, Dryer, Microwave, Oven Double, Range Hood, Refrigerator W/IceMk, Smoke Detector, Stove/Oven Gas, Water Heater - Tnkls
Air Cond:Central Air
Fireplaces:
Floor:Floor Vinyl
Other:
  • Additional:Ceiling Tray/Cofferd, Kitchen Island, Pantry

Exterior Features

Lot:Cul-De-Sac,Interior
Lot Dimensions:60'x120'
Zoning:Resid Single Family
Others:
  • Additional:Rain Gutter, Fenced Back Yard, Deck Covered, Patio Open
Sewer:Public Sewer

Open House

Upcoming Open Houses
Saturday 9:00 am - 11:00 am Sep 5
Principal Interest
$4,387
Taxes
$113
HOA
$0

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

Principal Taxes HOA Total
Monthly $4,387.12 $112.90 $0.00 $4,500.02
Yearly $52,645.40 $1,354.84 $0.00 $54,000.24
Total $1,579,362.05 $40,645.20 $0.00 $1,620,007.25

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 Emerald Coast Multiple Listing Services, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-08-20T06:32:47.000Z

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