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

657 Shoal Lndg Lot 177, Panama City Beach, FL, 32413

5beds
4baths
3,435sqft
$848,000
$247price/sqft
$6,042/moest. monthly cost
$241,680/yrincome needed

About This Home

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.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

6/10
7/10
Surfside Middle SchoolGrades PK-124.0 mi
4/10
J.R. Arnold High SchoolGrades 9-125.6 mi

Construction

Condition

  • Property condition: Under Construction
  • Year built: 2026

Materials

  • Foundation: Slab
  • Construction materials: Siding CmntFbrHrdBrd

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Tankless Water Heater

Bedroom

  • Level: First
  • Area: 165.0375
  • Dimensions: 14.67 x 11.25

Bedroom

  • Level: First
  • Area: 105.0336
  • Dimensions: 10.42 x 10.08

Bedroom

  • Level: Second
  • Area: 134.2
  • Dimensions: 13.42 x 10

Bedroom

  • Level: Second
  • Area: 113.3
  • Dimensions: 11.33 x 10

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Kitchen Island,Recessed Lighting,Pantry
  • Common walls with other units/homes: No Common Walls

Great Room

  • Level: First
  • Area: 351.5
  • Dimensions: 19 x 18.5

Heating

  • Heating features: Natural Gas

Interior Area

  • Total structure area: 3,435
  • Total interior livable area: 3,435 sqft

Loft

  • Level: Second
  • Area: 340.715
  • Dimensions: 20.75 x 16.42

Master Bedroom

  • Level: First
  • Area: 242.55
  • Dimensions: 16.17 x 15

Property

Details

  • Parcel number: 32717275072
  • Zoning description: Resid Single Family

Features

  • Stories: 2
  • Patio & porch: Covered
  • Exterior features: Sprinkler System

Lot

  • Lot size: 6,969 sqft
  • Features: Sidewalk,Survey Available,Wooded
  • Lot size dimensions: 60' x 120'

Parking

  • Total spaces: 3
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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 $4,287$51,444
Home Insurance *$994$11,928
Property Taxes $416$4,992
Electricity $345$4,148
Total$6,042$72,504
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$207,154/yr
40% on housing$181,260/yr
45% on housing$161,120/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

$247This 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
2026-08-01Price change$848,000
2026-07-10Listed for sale$826,000

For Sale by Agent

AgentNathan O Gido
BrokerageJacksonville TBI Realty LLC

Similar Homes