See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

259 Breakwater Blvd, Panama City Beach, FL, 32413

2beds
2baths
1,665sqft
$509,000
$306price/sqft
$3,616/moest. monthly cost
$144,640/yrincome needed

About This Home

Your Toll Brothers home awaits! Construction complete available for quick move-in. This gorgeous 2-bedroom, 2-bath, 2 car garage home with an office room offers 1665 sq. ft. of elegance and comfort. From the moment you step onto the paver driveway, you'll be captivated by the blend of modern design and natural beauty. The glass-paneled office provides a tranquil space to work or relax, with an abundance of light flowing through the space. As you enter, you'll immediately notice the soaring 10-foot ceilings throughout, complemented by tray ceilings in the spacious great room and luxurious primary bedroom. The open-concept design invites effortless living, with a beautifully upgraded kitchen featuring a large island perfect for entertaining. Whether you're preparing a casual meal or hosting friends, this kitchen makes every moment feel special. Unwind in your primary suite, a true sanctuary with a spa-like bath featuring a walk-in tile shower, a large soaking tub, dual vanity and spacious walk-in closet. Step outside onto your private covered lanai, where you can enjoy morning coffee or evening sunsets in complete privacy, thanks to the surrounding privacy wall and the tranquil beauty of the woods beyond. This outdoor space feels like an extension of your living area, with the added luxury of paver details that tie everything together. This gated community is filled with 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 out on the opportunity to live in a place that combines luxury, serenity, and convenience all in one. Call today to schedule your private tour.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
45
BikeSomewhat Bikeable

Schools

6/10
7/10
Surfside Middle SchoolGrades 6-84.1 mi
4/10
J.R. Arnold High SchoolGrades 9-125.4 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Slab
  • Roof: Composition,Shingle
  • Construction materials: HardiPlank Type

Other

  • Builder name: Toll Brothers

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Oven,Gas Cooktop,Tankless Water Heater

Bedroom

  • Level: First
  • Dimensions: 11 x 11

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Heating & Cooling

  • Heating features: Electric,Heat Pump
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,665
  • Total interior livable area: 1,665 sqft

Master Bedroom

  • Level: First
  • Dimensions: 15 x 13

Property

Details

  • Parcel number: 32717250204
  • Zoning description: Resid Single Family

Features

  • Stories: 1
  • Pool features: Community
  • Patio & porch: Covered,Patio

Lot

  • Lot size: 4,791 sqft
  • Features: Sprinkler System,Paved
  • Lot size dimensions: 40' x 120'

Parking

  • Total spaces: 2
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneVery High
  • Lightning
    LightningVery High
  • Tornado
    TornadoRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
Coastal Flooding
Cold Wave
Heat Wave
Strong Wind
Tsunami

FEMA Declared Disasters in Bay County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,573$30,876
Home Insurance *$596$7,152
Property Taxes $250$3,000
Electricity $197$2,366
Total$3,616$43,392
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$123,977/yr
40% on housing$108,480/yr
45% on housing$96,426/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 13.3%
13.3%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 6.0%
6.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$306This listing

vs Other Active Listings

Avg $/sqft

ZIP 32413$287
Bay County$241

vs Homes Sold Last Month

Median $/sqft

ZIP 32413$311
Bay County$205

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-03-24Price change$509,000
2025-11-22Price change$499,000
2025-11-18Price change$500,000
2025-11-05Listed for sale$504,000

New Construction Spec

AgentNathan Gido
BrokerageJacksonville TBI Realty LLC

Similar Homes