917 Camp Fire Circle, Panama City Beach, FL 32413

$950,000
Property Type: Residential Bedrooms: 3 Baths: 3 Square Footage: 2,469 Lot Size (sq. ft.): 7,405 Status: Active
Current Price: $950,000 List Date: 3/31/2026 Last Modified: 4/14/2026

Description

Welcome to a home that was never meant to be sold. Built in August 2025 as a true forever home, every detail of this custom Toll Brothers Caswell design from the Vista Collection was thoughtfully selected with intention, quality, and comfort in mind. Life simply had other plans--offering a rare opportunity to own a nearly new, highly upgraded home without the wait. Tucked away on a premium cul-de-sac lot, with the majority of construction on the street already complete, this home offers a sense of peace, privacy, and permanence that's hard to find in newer communities. Backing to a natural wooded area with serene lake views beyond, you'll enjoy no rear neighbors and a setting that feels both private and connected to nature. Step outside and you'll immediately

Supplements: understand the lifestyle this home was designed for. The backyard has already been transformed into a private retreat, featuring an 11' x 24' saltwater, heated pool with a steel-reinforced shotcrete shell, pebble sheen finish, tanning shelf, and bench seating. The attached spa with waterfall and five jets creates the perfect place to unwind, all enclosed within a spacious screened enclosure--so you can enjoy it year-round without the hassle, expense, or wait of building it yourself. The home is also pre-plumbed for gas on the lanai, offering the option to easily add a future outdoor kitchen. Inside, the attention to detail is evident in every space. A bright, open layout is enhanced by a multi-slide stacked glass door that seamlessly connects indoor and outdoor living, while tray ceilings in the foyer, great room, and primary suite add architectural interest and dimension. The office is enclosed with glass doors, creating a functional yet stylish work-from-home space. The kitchen was designed to be both beautiful and highly functional, featuring an oversized double-sided island with abundant storage, quartz countertops, custom cabinetry, a ceramic tile backsplash, and a suite of stainless KitchenAid appliances including a 36'' gas cooktop with hood, built-in microwave, and oven, complemented by a Samsung Bespoke refrigerator. The primary suite offers a true retreat with a spa-like bathroom featuring a frameless glass shower with ceiling-mounted rain head, upgraded Kohler fixtures, elevated vanities, and designer tile selections carried throughout all bathrooms. Hard surface flooring runs throughout the home, with porcelain tile in all baths and thoughtfully selected finishes that elevate each space. Additional upgrades include hurricane-rated front and rear windows and doors, solid 2x6 construction, LED recessed lighting with dimmers, smart home technology, a security system, upgraded interior hardware, comfort-height toilets, and a spacious three-car garage with durable, non-slip polyurea/polyaspartic flooring. The paver driveway and updated landscaping with palm trees complete the home's polished coastal curb appeal. Located in a thoughtfully designed community where each home is individually built--never mass-produced--you'll also enjoy resort-style amenities including a pool with lap lanes, fitness center, luxury clubhouse, pickleball and tennis courts, and a playground. All of this just 4 short miles from the beach, shopping, dining, entertainment, and 10 miles to the Northwest Florida Beaches International Airport. If you've been searching for a home that offers the quality of new construction, the upgrades of a custom build, and the ease of being completely move-in ready--this is an opportunity not to be missed.

More Information MLS# 999374

Contract Info

Listing Board: Emerald Coast List Price/SqFt: 384.77 List Date: 2026-03-31 Current Price: $950,000 List Price: $950,000

Location, Tax and Legal

Sub Area: 2722 - Beach - North West Elementary School: West Bay Middle School: Surfside High School: Arnold Legal Description: BREAKWATER AT WARD CREEK PH 1 LOT 311 ORB 4815 P 1513

General Property Info

Sub-Type: Detached Single Family Design: Contemporary SqFt Source: Building Plan Garage: Yes Carport: No Driveway Spaces: 2 Pool: Yes Pool Type: Private Apx SqFt(Htd/Cooled): 2469 Bedrooms: 3 Full Baths: 2 Half Baths: 1 Total Bathrooms: 3 # Stories: 1 Year Built: 2025 Garage Spaces: 3 Acreage: 0.17

Listing Info, Tax & Legal

Is Subject Leased: No Assessment Fees: Yes Assessment Amount: 630 Annual Assessment Amount: 2520 Assessment Paid: Quarterly New Buyer Fee: Yes New Buyer Fee Amt: 0.5 New Buyer Fee Paid: % Last Taxes: 1354.84 Last Tax Year: 2025 Brokerage Interest: No Interest As Is: Yes

Remarks & Misc

Remarks: Welcome to a home that was never meant to be sold. Built in August 2025 as a true forever home, every detail of this custom Toll Brothers Caswell design from the Vista Collection was thoughtfully selected with intention, quality, and comfort in mind. Life simply had other plans--offering a rare opportunity to own a nearly new, highly upgraded home without the wait. Tucked away on a premium cul-de-sac lot, with the majority of construction on the street already complete, this home offers a sense of peace, privacy, and permanence that's hard to find in newer communities. Backing to a natural wooded area with serene lake views beyond, you'll enjoy no rear neighbors and a setting that feels both private and connected to nature. Step outside and you'll immediately

Construction Status

Construction Complete: 1

Parking Features

Garage Attached: 1

Waterview

Pond: 1

Lot/Parcel Access

Paved Road: 1 State Highway: 1

Lot Features

Dead End: 1 Interior: 1 Level: 1 Sidewalk: 1 Survey Available: 1

Project Facilities

Community Room: 1 Exercise Room: 1 Gated Community: 1 Pickle Ball: 1 Picnic Area: 1 Playground: 1 Pool: 1 Short Term Rental - Not Allowed: 1 Tennis: 1

Construction/Siding

Brick: 1 Siding CmntFbrHrdBrd: 1 Slab: 1

Utilities

Electric: 1 Gas - Natural: 1 Public Sewer: 1 Public Water: 1 Underground: 1

Zoning

Resid Single Family: 1

Exterior

Hot Tub: 1 Patio Enclosed: 1 Pool - Enclosed: 1 Pool - Gunite Concrt: 1 Pool - Heated: 1 Pool - In-Ground: 1 Sprinkler System: 1

Interior

Ceiling Raised: 1 Floor Tile: 1 Floor Vinyl: 1 Kitchen Island: 1 Lighting Recessed: 1 Pantry: 1 Split Bedroom: 1 Washer/Dryer Hookup: 1 Window Treatment All: 1

Financing

Conventional: 1 FHA: 1 VA: 1

Appliances

Auto Garage Door Opn: 1 Cooktop: 1 Dishwasher: 1 Disposal: 1 Microwave: 1 Refrigerator: 1 Refrigerator W/IceMk: 1 Security System: 1

Energy

AC - Central Elect: 1 Ceiling Fans: 1 Heat Cntrl Electric: 1 Storm Doors: 1 Storm Windows: 1 Water Heater - Gas: 1 Water Heater - Tnkls: 1

Mstr Bdrm/Mstr Bath

MBath Double Vanity: 1 MBath Shower Only: 1 MBath Tile: 1 MBath Walk-In Closet: 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 Bonus Room: 1 Dining Room: 1 Garage: 1 Kitchen: 1 Living Room: 1 Master Bedroom: 1 Other: 1

Fees Include

Accounting: 1 Ground Keeping: 1 Insurance: 1 Legal: 1 Management: 1 Recreational Faclty: 1

Status Change Info

Status: Active

Location Tax and Legal

Area: 27 - Bay County Street #: 917 Street Name: Camp Fire Street Suffix: Circle State: FL Zip Code: 32413 County: Bay Project Name/Subdivision: Breakwater at Ward Creek Parcel ID: 32717-250-150

Property Features

Construction Status: Construction Complete Lot Features: Dead End; Interior; Level; Sidewalk; Survey Available Zoning: Resid Single Family Waterview: Pond Parking Features: Garage Attached Project Facilities: Community Room; Exercise Room; Gated Community; Pickle Ball; Picnic Area; Playground; Pool; Short Term Rental - Not Allowed; Tennis Exterior: Hot Tub; Patio Enclosed; Pool - Enclosed; Pool - Gunite Concrt; Pool - Heated; Pool - In-Ground; Sprinkler System Interior: Ceiling Raised; Floor Tile; Floor Vinyl; Kitchen Island; Lighting Recessed; Pantry; Split Bedroom; Washer/Dryer Hookup; Window Treatment All Appliances: Auto Garage Door Opn; Cooktop; Dishwasher; Disposal; Microwave; Refrigerator; Refrigerator W/IceMk; Security System Utilities: Electric; Gas - Natural; Public Sewer; Public Water; Underground Energy: AC - Central Elect; Ceiling Fans; Heat Cntrl Electric; Storm Doors; Storm Windows; Water Heater - Gas; Water Heater - Tnkls Master Bedroom: First Bedroom: First Kitchen: First Living Room: First Rooms: Bedroom; Bonus Room; Dining Room; Garage; Kitchen; Living Room; Master Bedroom; Other Financing: Conventional; FHA; VA Fees Include: Accounting; Ground Keeping; Insurance; Legal; Management; Recreational Faclty

Room Information

Master Bedroom Level: First Dimensions: 18.4 x 15 Length: 18.40 Width: 15.00 Dimensions: 18.4 x 15 Bedroom Level: First Dimensions: 12.9 x 11 Length: 12.90 Width: 11.00 Dimensions: 12.9 x 11 Bedroom Level: First Dimensions: 11.4 x 10.9 Length: 11.40 Width: 10.90 Dimensions: 11.4 x 10.9 Bonus Room Level: First Dimensions: 11.4 x 9.9 Length: 11.40 Width: 9.90 Dimensions: 11.4 x 9.9 Other Level: First Dimensions: 30.8 x 10 Length: 30.80 Width: 10.00 Remarks: Covered Lanai Dimensions: 30.8 x 10 Living Room Level: First Dimensions: 28.2 x 15.9 Length: 28.20 Width: 15.90 Dimensions: 28.2 x 15.9 Kitchen Level: First Dimensions: 14.9 x 14.6 Length: 14.90 Width: 14.60 Dimensions: 14.9 x 14.6 Dining Room Level: First Dimensions: 14.6 x 13.5 Length: 14.60 Width: 13.50 Dimensions: 14.6 x 13.5 Garage Level: First Dimensions: 21.1 x 20.4 Length: 21.10 Width: 20.40 Remarks: 2 Car Dimensions: 21.1 x 20.4 Garage Level: First Dimensions: 20.9 x 11.8 Length: 20.90 Width: 11.80 Remarks: 1 Car Dimensions: 20.9 x 11.8

Documents

Listing Office: Keller Williams Success Realty
Last Updated: April - 14 - 2026
All information is believed to be accurate but is not guaranteed. Protected by Copyright© 2026 and is owned either by the Emerald Coast Association of REALTORS®, Inc or by the developers of the software, FBS, Inc. All rights reserved.