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Harrison Lilly

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

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212 Turtle Cove , Panama City Beach, FL 32413
$459,000
Est. Payment: $2,327.96/mo
3 Bed
2 Bath
1410 Sqft
Status: active | Days on site: 68
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to 212 Turtle Cove in Panama City Beach, where coastal luxury, modern design, and effortless living come together in one incredible turnkey property. Completely renovated in 2025, this stunning 3-bedroom, 2-bath villa has been thoughtfully redesigned with high-end finishes and upscale details throughout. HVAC new 08/26 Step inside to a light-filled interior featuring luxury vinyl plank flooring throughout with absolutely no carpet, plantation shutters in every room, designer lighting, and beautifully selected quartz and quartzite countertops that elevate the entire space. Every inch of this home was designed with both style and comfort in mind, creating a sophisticated yet relaxed coastal feel perfect for full-time living, a second home, or investment property. Located in the highly sought-after Turtle Cove at Lake Powell community, residents enjoy an unmatched lifestyle surrounded by nature, recreation, and convenience. Lake Powell, Florida's largest coastal dune lake spanning nearly 800 acres with direct connection to the Gulf of Mexico, is right at your fingertips. Spend your days kayaking, paddleboarding, boating, or simply enjoying the peaceful waterfront setting. Community amenities are truly resort-style and include a private dock, pool, hot tub, fitness center, clubhouse with gathering space and catering kitchen, plus basketball, tennis, and pickleball courts. And when you are ready for the beach, the sugar-white sands of the Gulf are just minutes away along with Inlet Beach, Scenic 30A, and Pier Park for dining, shopping, and entertainment. Properties this updated, this amenity-rich, and this close to everything rarely come available. Don't live under a shell. Experience the best of beachside living at Turtle Cove.

Highlights

Listed by Michelle D Stewart , 850-919-5919 RE/MAX SELECT Partners , 850-806-2288. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.09

HOA Fee

818 Quarterly

Year Built

2012

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Turtle Cove At Lake Powell

Listing ID

790457

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Electric Oven, Electric Range, Electric Water Heater
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:Sprinkler System,Paved
Lot Dimensions:0x0
Zoning:Resid Single Family
Roof:Shingle
Others:
  • Additional:Patio
Principal Interest
$2,328
Taxes
$337
HOA
$818

Home Price

$459,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$91,800
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:
$2,327.96

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,327.96 $337.25 $818.00 $3,483.21
Yearly $27,935.54 $4,047.00 $9,816.00 $41,798.54
Total $838,066.10 $121,410.00 $294,480.00 $1,253,956.10

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