917 Camp Fire Circle, Panama City Beach

$899,999

3 Beds
3 Baths
2,469 Sqft
.17 Acre
3 Garages

CURRENTLY UNDER CONTRACT - SELLER TAKING BACKUP OFFERS! Welcome to a home that was never meant to be sold.
Built in August 2025 as a true forever home, this custom Toll Brothers Caswell design from the Vista Collection was thoughtfully selected with intention, quality, and comfort in mind. Life had other plans, offering a rare opportunity to own a nearly-new, highly upgraded home without the wait.
Here is the piece the public tax record does not show. The private 11' x 24' saltwater heated pool and its screened enclosure were a $120,000 post-purchase investment by the sellers, separate from the home purchase itself. At $899,999, this listing essentially reflects what the sellers are all-in on this property. A buyer here inherits the finished home, the finished pool, and a community with amenities officially open, without the appreciation premium or the 18-month wait of a new build.
Tucked on a premium cul-de-sac lot with the majority of street construction complete, the home offers peace, privacy, and permanence rarely found in newer communities. Backing to a natural wooded preserve with serene lake views beyond, there are no rear neighbors and a setting that feels both private and connected to nature.
The outdoor space has been fully transformed. The 11' x 24' saltwater heated pool features a steel-reinforced shotcrete shell, pebble sheen finish, tanning shelf, and bench seating. and ready for a future outdoor kitchen.
Inside, a multi-slide stacked glass door connects the great room to the lanai and pool. Tray ceilings elevate the foyer, great room, and primary suite. A bonus room with glass panel doors creates a functional work-from-home space. The kitchen features an oversized double-sided quartz island with abundant storage, custom cabinetry, ceramic tile backsplash, a suite of KitchenAid stainless appliances (36" gas cooktop with hood, built-in microwave, and oven), and a Samsung Bespoke refrigerator.
The primary suite offers a spa-like bathroom with frameless glass shower, ceiling-mounted rain head, upgraded Kohler fixtures, elevated vanities, and designer tile carried throughout. Hard surface flooring runs throughout, with porcelain tile in all baths.
Additional features 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, a three-car garage with durable non-slip polyurea flooring, and a paver driveway.
Breakwater's amenities are officially open: resort pool with lap lanes, luxury clubhouse, fitness center, pickleball and tennis courts, outdoor fireplace, and playground. Four miles to the beach, shopping, dining, and entertainment. Ten miles to Northwest Florida Beaches International Airport.
The quality of new construction. The upgrades of a custom build. The ease of completely move-in ready. Without the wait.

Essential Information
MLS® #999374
Price$899,999
Sold Price$865,000
Date Sold$2026-08-13
Bedrooms3
Bathrooms3.00
Full Baths2
Half Baths1
Square Footage2,469
Acres0.17
Year Built2025
TypeResidential
Sub-TypeDetached Single Family
StyleContemporary
StatusSold
Community Information
Address917 Camp Fire Circle
Area27 - Bay County
SubdivisionBreakwater at Ward Creek
CityPanama City Beach
CountyBay
StateFL
Zip Code32413
Amenities
ParkingGarage Door Opener
# of Garages3
ViewPond
Has PoolYes
PoolHeated, In Ground
Utilities

Electric, Gas - Natural, Public Sewer, Public Water, Underground

Interior
HeatingCentral, Gas - Natural
CoolingCentral Air, Ceiling Fan(s)
# of Stories1
Interior Features

Vaulted Ceiling(s), Kitchen Island, Recessed Lighting, Pantry, Split Bedroom, Washer/Dryer Hookup

Appliances

Cooktop, Dishwasher, Disposal, Microwave, Refrigerator, Gas Water Heater, Tankless Water Heater

Exterior
ConstructionBrick, Siding CmntFbrHrdBrd
FoundationSlab
Exterior Features

Hot Tub, Pool - Gunite Concrt, Pool - Enclosed, Sprinkler System

Lot Description

Dead End, Interior Lot, Level, Sidewalk, Survey Available

Windows

Storm Window(s), Window Treatments

School Information
ElementaryWest Bay
MiddleSurfside
HighArnold
Additional Information
Days on Website198
ZoningResid Single Family
Listing Details
OfficeKeller Williams Success Realty
Property History
Price Reduced from $930,000 to $899,999
Price Reduced from $950,000 to $930,000
Price Reduced from $975,000 to $950,000
LISTING MAP

Get directions to this property:

Properties for Sale Similar to 917 Camp Fire Circle, Panama City Beach, FL

Photo of Listing #1002011

561 Millbridge Drive, Panama City Beach

$924,430 - 4 Beds, 3 Baths, 2,711 Sf

MLS® # 1002011

Photo of Listing #999634

924 Camp Fire Circle Lot 322, Panama City Beach

$835,000 - 4 Beds, 4 Baths, 2,839 Sf

MLS® # 999634

Photo of Listing #1002087

634 Shoal Landing Lot 198, Panama City Beach

$898,000 - 5 Beds, 4 Baths, 3,430 Sf

MLS® # 1002087

DISCLAIMER: Information Deemed Reliable but not guaranteed. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
All listings are provided courtesy of the Emerald Coast Association of Realtors, Copyright2026, All rights reserved.

Listing information last updated on October 15th, 2026 at 6:37pm CDT.