Ad #7586537
MLS #788503
'CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS'
12590 Emerald Lake Dr, Panama City Beach, FL 32407
$420,000
3Beds
2Baths
1,211Sqft
0.15Acres
About this property
'CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS' Beautifully maintained and thoughtfully updated 3-bedroom, 2-bath beach home is ideally situated on a quiet cul-de-sac in the heart of the central beach area. Designed with a light, airy coastal aesthetic, the interior features fresh paint throughout and stylish finishes that create a relaxed, move-in-ready retreat. The spacious 21x15 living room is enhanced by vaulted ceilings, offering an open and inviting atmosphere. The kitchen is both functional and appealing, featuring stainless steel appliances, cream-colored solid surface countertops, and crisp white cabinetry. Durable vinyl wood plank flooring runs throughout most of the home, combining style with easy maintenance. A desirable split-bedroom floor plan provides privacy, with a well-appointed primary suite offering dual closets and an updated en-suite bath complete with dual vanities, marble countertops, upgraded fixtures, and designer touches including coastal-inspired accents. Two additional bedrooms share a full bath with an upgraded vanity, lighting and plumbing fixtures. Step outside to enjoy a fully fenced backyard with well-maintained landscaping, supported by a sprinkler system on a newly installed shallow well pump. The outdoor space also includes a storage building and a shaded patio-perfect for relaxing or entertaining. Energy efficiency is a standout feature, with paid off solar panels keeping the current owner's electric bill at approximately $40 per month. Located just minutes from the beach, this home offers easy access to local favorites including Pier Park, Pirates Voyage Dinner & Show, and Topgolf Panama City Beach, along with shopping, dining and other entertainment options. Whether you're looking for a primary residence, vacation getaway, or investment opportunity, this home delivers the perfect blend of comfort, style, and location.
Property Features
3 Beds
2 Baths
1,211 Sqft
Built in 1991
0.15 Acres
Siding: Stucco, WoodFrame
Composition, Shingle Roof
Central, Electric (Heating)
$2,580 / yr property tax
Bay County
Emerald Lake Estates Community
Additional Photos
Contact Information
Laura Hartzog
Coldwell Banker Realty
850-527-0325
Location
Listing Agent: Laura Hartzog (License #: 3219905) 850-527-0325
Broker: Coldwell Banker Realty 850-814-0037 Listing Site
Copyright © 2026 Central Panhandle Association of REALTORS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.
Broker: Coldwell Banker Realty 850-814-0037 Listing Site
Copyright © 2026 Central Panhandle Association of REALTORS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.
BeachHouse.com
Printed Aug 12, 2026
Photo Gallery
$420,000
3
Beds
2
Baths
1,211
Sqft
12590 Emerald Lake Dr, Panama City Beach, FL 32407
By contacting this agent you agree to these Terms and Conditions.
MLS# 788503
'CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS'
$420,000
12590 Emerald Lake Dr, Panama City Beach, FL 32407
3
Beds
2
Baths
1,211
Sqft
0.15
Acres
$420,000
12590 Emerald Lake Dr, Panama City Beach, FL 32407
3 Beds
2 Baths
1,211 Sqft
0.15 Acres
'CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS' Beautifully maintained and thoughtfully updated 3-bedroom, 2-bath beach home is ideally situated on a quiet cul-de-sac in the heart of the central beach area. Designed with a light, airy coastal aesthetic, the interior features fresh paint throughout and stylish finishes that create a relaxed, move-in-ready retreat. The spacious 21x15 living room is enhanced by vaulted ceilings, offering an open and inviting atmosphere. The kitchen is both functional and appealing, featuring stainless steel appliances, cream-colored solid surface countertops, and crisp white cabinetry. Durable vinyl wood plank flooring runs throughout most of the home, combining style with easy maintenance. A desirable split-bedroom floor plan provides privacy, with a well-appointed primary suite offering dual closets and an updated en-suite bath complete with dual vanities, marble countertops, upgraded fixtures, and designer touches including coastal-inspired accents. Two additional bedrooms share a full bath with an upgraded vanity, lighting and plumbing fixtures. Step outside to enjoy a fully fenced backyard with well-maintained landscaping, supported by a sprinkler system on a newly installed shallow well pump. The outdoor space also includes a storage building and a shaded patio-perfect for relaxing or entertaining. Energy efficiency is a standout feature, with paid off solar panels keeping the current owner's electric bill at approximately $40 per month. Located just minutes from the beach, this home offers easy access to local favorites including Pier Park, Pirates Voyage Dinner & Show, and Topgolf Panama City Beach, along with shopping, dining and other entertainment options. Whether you're looking for a primary residence, vacation getaway, or investment opportunity, this home delivers the perfect blend of comfort, style, and location.
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Property Details
HOME DETAILS
3 Beds
2 Baths
1,211 Sqft
Built in 1991
0.15 Acres
EXTERIOR
Siding: Stucco, WoodFrame
Composition, Shingle Roof
INTERIOR
Central, Electric (Heating)
FINANCIAL & COMMUNITY
$2,580 / yr property tax
Bay County
Emerald Lake Estates Community
See More Details
Location
Mortgage Calculator
About Panama City Beach
Find Vacation Rental Beach Houses on Panama City Beach in FL! Book online - beachfront homes, cottages and condos for rent. Oceanfront homes with private pools. One of the best destinations for families. Pay less (no service fees!) and get a great deal on popular rentals now. Find family fun things to do in the Gulf Coast of Florida. A tropical paradise for a romantic waterfront wedding.
Ad Statistics
Ad Number
7586537
Viewed
0 time
Listing Status
Pending
Added
Apr 17, 2026
Last Refreshed
Jul 03, 2026 06:17:28 PM
Listing Information
Data Source
Central Panhandle Association of REALTORS
Source Property ID
788503
Listing Agent: Laura Hartzog (License #: 3219905) 850-527-0325
Broker: Coldwell Banker Realty 850-814-0037 Listing Site
Copyright © 2026 Central Panhandle Association of REALTORS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.
Broker: Coldwell Banker Realty 850-814-0037 Listing Site
Copyright © 2026 Central Panhandle Association of REALTORS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.
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