Breakwater at Ward Creek Homes for Sale

Welcome to Breakwater at Ward Creek, a picturesque subdivision nestled in the heart of Panama City Beach, Florida. This charming community offers a perfect blend of coastal living and suburban tranquility, making it an ideal choice for families, retirees, and anyone looking to embrace the laid-back lifestyle of the Sunshine State.

Breakwater at Ward Creek boasts a variety of beautifully designed homes for sale, each showcasing modern architecture and thoughtful layouts. Whether you're in search of a cozy single-family home or a spacious residence to accommodate your growing family, you'll find a range of options that cater to diverse tastes and budgets. Many homes feature stunning outdoor spaces, perfect for entertaining or simply enjoying the warm Florida sunshine.

Residents of Breakwater at Ward Creek enjoy a wealth of nearby amenities, including pristine beaches, lush parks, and vibrant shopping and dining options. With the Gulf of Mexico just a stone's throw away, you can easily indulge in water activities such as swimming, fishing, and boating. The community is also conveniently located near top-rated schools and healthcare facilities, ensuring that all your needs are met.

As you explore the homes for sale in Breakwater at Ward Creek, you'll discover a welcoming neighborhood atmosphere, where friendly faces and a strong sense of community abound. Don’t miss the opportunity to make this enchanting subdivision your new home. Experience the best of Panama City Beach living at Breakwater at Ward Creek, where your dream home awaits!

Newest Breakwater at Ward Creek Homes for Sale

$729,000

3 Beds ⋅ 3 Baths ⋅ 792917 MLS

Beautiful new single-story 3 car garage Toll Brothers home that perfectly blends elegance, space, and modern functionality. Located on cul-de-sac! Currently under construction with estimated completion January 2027. Limited time to make interior design studio selections. Featuring 3 spacious bedrooms and 2.5 beautifully appointed baths. From the moment you arrive, the 3-car garage offers ample space for vehicles and storage. The garage has 8' door height, windows and paver driveway for grand curb appeal. Inside the heart of the home is the grand open great room, where 10' ceilings, natural light, and seamless flow create an inviting space for both entertaining and everyday living. The chef's kitchen opens effortlessly to the living and dining areas, making gatherings a joy. Retreat to your luxurious primary suite, complete with a spa-inspired bathroom featuring a massive walk-in shower, soaking tub, dual vanities, and an oversized walk-in closet. Step outside to your private oasis--an expansive covered lanai with elegant pavers, perfect for morning coffee, outdoor dining, or relaxing evenings under the stars. Backyard backs up to peaceful woods and enough space for pool or outdoor living. Gated community with completed amenities including a resort-style pool, clubhouse, fitness center, tennis and pickleball courts, playground, multi-purpose field, and much more. Short drive to public beach access, Pier Park shopping, dining and fun entertainment, airport, future FSU/TMH medical campus, future West Bay Center with Publix, and recreation outdoor activities at Frank Brown Park. Don't miss this rare opportunity to own a slice of paradise! Call today to schedule your private tour. *Pictures are stock photos and not of actual home.

312 Ember Lane Unit Lot 302, Panama City Beach

Listing courtesy of Jacksonville TBI Realty LLC.

$826,000

5 Beds ⋅ 4 Baths ⋅ 792480 MLS

Welcome to your Toll Brothers dream home, where luxury, comfort, and convenience come together in perfect harmony. Construction estimated completion February 2027. Limited time to select interior design studio selections to personalize it. Nestled in a gated community, this grand two-story residence boasts over 20-foot ceilings and an inviting open floor plan designed to impress from the moment you step inside. As you enter, you're greeted by the grandeur of soaring ceilings and an abundance of natural light that fills the home with warmth. The kitchen and great room a space that invites both creativity and connection, perfect for family gatherings or entertaining guests. On the main level is the primary suite, a true retreat offering both relaxation and luxury. With a spa-like bathroom featuring a large tile shower, a separate soaking tub, and two spacious walk-in closets, every detail has been meticulously designed to create an oasis of serenity. This is more than just a bedroom; it's a sanctuary where you can unwind in ultimate comfort. Upstairs, the expansive loft and bonus area offer endless possibilities for your lifestyle, whether it's a game room, home theater, or a second living area. With four spacious bedrooms and 3.5 beautifully appointed baths, this home accommodates every need with elegance and functionality. The office room offers the ideal space for work, study or can be used as 5th bedroom. 3-car garage offers ample room for your vehicles, storage, and more. Step outside the multi slide glass door onto your covered lanai and embrace the natural wood preserve beauty providing both privacy and a tranquil setting. The community is filled with completed resort style amenities, including pool, clubhouse, fitness center, pickleball courts, tennis court, playground, and a multi-purpose field. Short drive to public beach access, Pier Park shopping, dining and fun entertainment, airport, future FSU/TMH medical campus, future West Bay Center with Publix and recreation outdoor activities at Frank Brown Park. Don't miss the opportunity to make this extraordinary property your forever home, where every detail is crafted for your utmost enjoyment. Pictures are not of actual home, but same floor plan.

657 Shoal Landing Unit Lot 177, Panama City Beach

Listing courtesy of Jacksonville TBI Realty LLC.

$865,000

4 Beds ⋅ 4 Baths ⋅ 791587 MLS

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!!

912 Camp Fire Circle, Panama City Beach

Listing courtesy of Salty Marlin Realty LLC.

$1,270,000

4 Beds ⋅ 4 Baths ⋅ 790256 MLS

The most upgraded home to ever hit the market in Breakwater at Ward Creek. This 4-bedroom, 3.5-bath, 3,065 sq ft residence on a preserve-backing homesite has been finished years ahead of the standing inventory, with a level of detail that shows better than the model homes. Step into a two-story foyer with 20-foot ceilings, custom beam work, added window and door casing throughout, and a glass-enclosed wine cellar built under the stairs as an architectural feature. The kitchen carries KitchenAid appliances, a Thor cooktop, a custom wood vent hood with a top-tier exhaust system, marble counters that replaced all original quartz throughout the home, cabinet toppers, glass bar cabinetry, slide-out drawer systems, and full under- and in-cabinet lighting. The pantry was rebuilt into the largest available in a Toll Brothers floor plan, with custom shelving, marble counter, and a second LG refrigerator. Solid wood cabinetry was added in the mudroom, laundry, and primary bath, with new tile backsplashes, a shiplap accent wall, and gold fixtures and hardware carried through the home. Every closet is a custom build-out with drawers and shelving and dedicated lighting. The primary suite includes wireless motorized shades and a new dual shower with high-end tile and a custom waterfall design. Behind the home, a full front-and-back makeover delivers a saltwater pool and spa, fire pit with fire bowls, outdoor TV, landscape lighting, all backing to HOA preserve so the view stays yours. A four-zone security camera system, whole-home WiFi coverage, custom tongue-and-groove porch ceilings, a fresh top-to-bottom interior repaint, and a three-car tandem garage with significant storage complete the home. This is not a project. It is move-in-ready luxury with nothing left to decide. Furniture negotiable. Breakwater at Ward Creek is a gated community in one of Panama City Beach's strongest growth corridors. Its brand-new clubhouse just opened, with a fitness center, indoor and outdoor living spaces, a zero-entry pool with sun shelf and lap lane, cabana seating, a playground, tennis and pickleball courts, and a large outdoor green space. Nearby, the West Bay Town Center is bringing a new Publix and shopping, a new FSU Health hospital is underway, and a new Intracoastal marina is planned.

300 Breakwater Boulevard, Panama City Beach

Listing courtesy of Christies International Real Estate Emerald Coast.

$787,000

4 Beds ⋅ 4 Baths ⋅ 789642 MLS

Stunning single-story 3 car garage Toll Brothers home. Construction completion estimated January 2027. Limited time to make your personal selections at design studio. Offering 2,844 square feet of living space. Boasting 4 spacious bedrooms, office/flex room and 3.5 beautifully appointed bathrooms, this residence exudes elegance and comfort at every turn. The soaring 12-foot ceilings in the grand foyer set the tone for the home's grandeur, with 10-foot ceilings throughout the rest of the living areas, adding to the airy and open feel. The expansive open floor plan includes a office room, perfect for working from home, and a three-car garage with a stylish paver driveway. Step into the heart of the home, the gourmet open kitchen. Here, you'll find exquisite quartz countertops, large island, and stainless steel appliances, making it ideal for both cooking and entertaining. Bathrooms feature elegant tile finishes. The primary suite is a true retreat, with two walk-in closets offering ample storage space and bathroom designed to pamper with a spa-like atmosphere large soaking tub and walk-in tile shower. Enjoy outdoor living on the covered paver lanai, which overlooks a serene private wooded preserve, providing the ultimate in peace and privacy. The beautiful gated community enhances your lifestyle, offering easy access to a variety of completed amenities including a resort-style pool, clubhouse, fitness center, tennis and pickleball courts, playground, multi-purpose field, and much more. Short drive to public beach access, Pier Park shopping, dining and fun entertainment, airport, future FSU/TMH medical campus, future West Bay Center with Publix, and recreation outdoor activities at Frank Brown Park. This home is more than just a place to live, it's a lifestyle waiting to be embraced. Call today to schedule your private tour! Pictures are stock photos and not of actual home.

344 Breakwater Boulevard Unit Lot 28, Panama City Beach

Listing courtesy of Jacksonville TBI Realty LLC.

$677,000

4 Beds ⋅ 3 Baths ⋅ 788148 MLS

Single-story Toll Brothers home located on a private preserve home site. New construction complete available for quick move-in. 4-bedroom, 3-bathroom residence boasts an inviting office/study room with glass doors, working from home, arts and crafts or play room. As you enter the home, you are greeted by a grand foyer with soaring 12-foot ceilings, setting the tone for the open and airy feel that flows throughout the entire space. The remainder of the home features 10-foot ceilings, adding to the sense of spaciousness and elegance. Luxury vinyl plank flooring throughout the home and tile in bathrooms. The open gourmet kitchen is outfitted with stainless steel appliances, sleek quartz countertops, designer tile backsplash, pendant lights, spacious pantry and ample cabinet space for all your culinary needs. Whether preparing a family meal or entertaining guests, this gourmet kitchen is sure to impress. The primary suite is a true retreat, featuring a luxurious en-suite bath complete with a separate tile shower and a large soaking tub perfect for unwinding after a long day. With an upgraded multi-slide stacked door in the great room that opens up fully for indoor and outdoor living to a covered patio with pavers. Located in a gated community with resort style amenities including large pool, lap pool, clubhouse, fitness center, pickleball courts, tennis court, playground, multi-purpose field and more. Short drive to public beach access, Pier Park shopping, dining and fun entertainment, airport, future FSU/TMH medical campus, future West Bay Center with Publix, and recreation outdoor activities at Frank Brown Park. Some pictures are not of actual home, but same home plan. Explore everything this exceptional home has to offer and schedule your appointment today.

272 Breakwater Boulevard Unit Lot 14, Panama City Beach

Listing courtesy of Jacksonville TBI Realty LLC.

$899,999

3 Beds ⋅ 3 Baths ⋅ 787538 MLS

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. An attached spa with waterfall and five jets adjoins the pool, all enclosed within a screened lanai for year-round use. The lanai is pre-plumbed for gas 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.

917 Camp Fire Circle, Panama City Beach

Listing courtesy of Keller Williams Success Realty.

$644,000

3 Beds ⋅ 2 Baths ⋅ 787514 MLS

New construction single-story Toll Brothers home in Breakwater at Ward Creek. Construction complete available for quick move-in. Featuring 3 spacious bedrooms, 2 full baths, and a versatile bonus room perfect for a home office, study or media space, this home backs up to serene, private woods--offering a peaceful retreat right in your backyard. Enjoy high 10' ceilings and seamless luxury vinyl plank flooring throughout home, with elegant tile in the bathrooms for added style and durability. The gourmet open kitchen is a chef's dream, complete with quartz countertops, premium cabinetry, tile backsplash, and a large island ideal for entertaining. The primary bathroom has duel vanity with quartz countertops, walk-in tile extra large shower with frameless glass door and spacious walk-in closet. Paver driveway and paver covered lanai. Located in a gated community with resort-style amenities, this home offers access to a pool, fitness center, clubhouse, tennis court, pickleball courts, playground, multi-purpose field and more--all just minutes from the gorgeous beach, Pier Park dining, shopping and fun entertainment, trails and parks, NW FL Beaches International Airport, Frank Brown Park, future FSU/TMH Medical Campus, and future Watersound West Bay Center with Publix. Experience coastal living at its finest with privacy, luxury, and convenience wrapped into one stunning property. This home is more than just a place to live, it's a lifestyle waiting to be embraced. Schedule a tour now and lets start your new home journey.

380 Breakwater Boulevard Unit Lot 37, Panama City Beach

Listing courtesy of Jacksonville TBI Realty LLC.

$965,000

5 Beds ⋅ 4 Baths ⋅ 782457 MLS

Welcome to this exceptional new construction Toll Brothers home, perfectly situated on a limited premium cul-de-sac homesite and available for quick move-in. Offering over 3,200 square feet of thoughtfully designed living space, this stunning residence features 5 spacious bedrooms, 3.5 bathrooms, and soaring ceilings that create an open, light-filled atmosphere throughout. Nestled in a gated community, this grand two-story residence boasts over 20-foot ceilings and an inviting open floor plan designed to impress from the moment you step inside. As you enter, you're greeted by the grandeur of soaring ceilings and an abundance of natural light that fills the home with warmth. The kitchen and great room a space that invites both creativity and connection, perfect for family gatherings or entertaining guests. On the main level is the primary suite, a true retreat offering both relaxation and luxury. With a spa-like bathroom featuring a large tile shower, a separate soaking tub, and two spacious walk-in closets, every detail has been meticulously designed to create an oasis of serenity. This is more than just a bedroom; it's a sanctuary where you can unwind in ultimate comfort. Upstairs, the expansive loft offer endless possibilities for your lifestyle, whether it's a game room, home theater, or a second living area. With four spacious bedrooms and 3.5 beautifully appointed baths, this home accommodates every need with elegance and functionality. The office room offers the ideal space for work, study or can be used as 5th bedroom. 3-car garage offers ample room for your vehicles, storage, and more. Step outside the multi slide glass door onto your screen-in covered lanai and embrace the natural wood preserve beauty providing both privacy and a tranquil setting. Situated on one of the largest homesites in the neighborhood with over 11,300 sq ft giving lots of space between the homes in back and plenty of room for personalized backyard oasis. The community is filled with completed resort style amenities, including pool, clubhouse, fitness center, pickleball courts, tennis court, playground, and a multi-purpose field. Short drive to public beach access, Pier Park shopping, dining and fun entertainment, airport, future FSU/TMH medical campus, future West Bay Center with Publix and recreation outdoor activities at Frank Brown Park. Don't miss the opportunity to make this extraordinary property your forever home, where every detail is crafted for your utmost enjoyment. Claim your everyday escape and live where others vacation. Lets start your new home journey today!

320 Ember Lane Unit Lot 304, Panama City Beach

Listing courtesy of Jacksonville TBI Realty LLC.

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