




657 Shoal Lndg Lot 177, Panama City Beach, FL, 32413
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
Schools
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
- Lightning
- Tornado
- Coastal Flooding
- Cold Wave
- Heat Wave
- Strong Wind
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Bay County and Florida
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $4,287 | $51,444 |
| Home Insurance * | $994 | $11,928 |
| Property Taxes | $416 | $4,992 |
| Electricity | $345 | $4,148 |
| Total | $6,042 | $72,504 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-01 | Price change | $848,000 |
| 2026-07-10 | Listed for sale | $826,000 |
