Welcome to Turtle Lake Apartments in Panama City, FL - a welcoming community offering spacious one, two, and three-bedroom homes designed for comfort and convenience. Whether you're a student, military personnel, or working professional, Turtle Lake delivers value-packed living in a serene, well-connected neighborhood.
Quick access to Highway 98 puts you close to everything Panama City has to offer - from local dining and shopping to top employers and recreational spots. Come home to Turtle Lake Apartments and experience a community built around your lifestyle.
Status: Special offer
Expires December 31, 2026
Apartment building
1-3 beds
Pet-friendly
Available units
 Unit P-P253 1 bd, 1 ba | 700 | Nov 20 | $1,145 |
Unit P-P258 1 bd, 1 ba | 700 | Dec 12 | $1,145 |
Unit C-C216 1 bd, 1 ba | 700 | Dec 25 | $1,145 |
Unit P-P259 1 bd, 1 ba | 700 | Jan 13 | $1,145 |
Unit P-P154 1 bd, 1 ba | 700 | Now | $1,170 |
 Unit U-U283 2 bd, 1.5 ba | 900 | Now | $1,315 |
Unit U-U181 2 bd, 1.5 ba | 900 | Nov 17 | $1,330 |
Unit Q-Q167 2 bd, 1.5 ba | 900 | Nov 26 | $1,330 |
Unit Q-Q165 2 bd, 1.5 ba | 900 | Jan 15 | $1,330 |
Unit Q-Q166 2 bd, 1.5 ba | 900 | Feb 11 | $1,330 |
 Unit S-S273 2 bd, 2 ba | 1,000 | Now | $1,345 |
Unit S-S276 2 bd, 2 ba | 1,000 | Now | $1,355 |
Unit D-D124 2 bd, 2 ba | 1,000 | Now | $1,370 |
Unit D-D125 2 bd, 2 ba | 1,000 | Now | $1,370 |
Unit H-H133 2 bd, 2 ba | 1,000 | Now | $1,370 |
What's special
Playground
Play date, anyone?
A playground is a rare feature. Less than 12% of buildings in Panama City have this amenity.
Office hours
| Day | Open hours |
|---|---|
| Mon - Fri: | 8:30 am - 5:30 pm |
| Sat - Sun: | Closed |
Facts, features & policies
Building Amenities
Other
- Swimming Pool: Pool
Outdoor common areas
- Balcony/Patio
- Playground
Services & facilities
- Bicycle Storage: Bike Storage
- Package Service: Package Receiving
Unit Features
Appliances
- Dishwasher
- Garbage Disposal
- Microwave Oven
- Range
- Refrigerator
- Washer/Dryer Hookups: In Select Units.
Cooling
- Air Conditioning: Central Heat & Air
- Ceiling Fan
Flooring
- Carpet
- Vinyl Plank Flooring
Other
- Black Appliances: In Select Units.
- Breakfast Bar
- Ice Maker
- Large Closets: Walk In Closets
- Private Entrance
- Window Coverings
Policies
Lease terms
- 6 months, 12 months
Pet essentials
Additional details
Birds: Bird
Fish: Fish
Special Features
- 24-Hour Emergency Maintenance
- Additional Storage
- Boat/Rv Parking
- Catch & Release Fishing Lake
- Laundry Facility
- Pets Allowed
Neighborhood: 32405
Areas of interest
Use our interactive map to explore the neighborhood and see how it matches your interests.
Travel times
Getting around
Walk Score®
 / 100
Car-DependentTransit Score®
 / 100
Some TransitNear Turtle Lake
- Zoo World, home to over 260 animals, offering programs such as Animal Encounters, Simmer Safari Zoo Camp and Adopt a Wild Child, is a 5-minute drive away.
- Ripley's Believe It or Not Museum occupies a replica of a sinking ship featuring interactive exhibits showcasing weird relics, a movie theater and laser race and is a 10-minute drive away.
- Shipwreck Island Waterpark, located within a 10-minute drive, features a variety of water slides, a lazy river, a wave pool, Tadpole Hole, Skull Island and The Great Shipwreck.
- Panama City Beach Dolphin Tours & More, offering a variety of tours including fishing, spearfishing, scuba diving and snorkeling, is a 5-minute drive away.
Nearby schools in Panama City
Lucille Moore Elementary School
Grades PK-5 • 0.7 miles1/10
GreatSchools® Rating
Test Score Rating
1/10Student Progress Rating
1/10Jinks Middle School
Grades 6-8 • 3.2 miles3/10
GreatSchools® Rating
Test Score Rating
3/10Student Progress Rating
2/10Bay High School
Grades 9-12 • 3.7 miles3/10
GreatSchools® Rating
Test Score Rating
4/10College Readiness Rating
4/10Student Progress Rating
2/10Living in Panama City
ZIP code 32405 spans Cedar Grove, Pretty Bayou, Hiland Park, Dirego Park and Bayview across Panama City, Lynn Haven and Springfield. The area sits near St. Andrew Bay and North Bay, with a warm, humid climate and mild winters. Pretty Bayou and the bay shore offer water views and opportunities for boating and fishing, while neighborhood parks and outdoor recreation provide places to walk and play. Panama City’s historic downtown, waterfront, local restaurants and coffee shops add nearby options for dining and arts. Everyday errands are served by shopping along major roads, and driving is the most practical way to get between the spread-out neighborhoods; regional routes connect the area with the wider Bay County region. Rental data for ZIP code 32405 puts median rent at $1,750 per month, with a typical range of $450 to $5,000.
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Frequently asked questions
Where is Turtle Lake located, and what is the neighborhood like?
Turtle Lake is located at 4324 W 20th St, Panama City, FL. The surrounding area includes multiple restaurants and cafes within 2 miles, such as Los Antojitos Mexican Restaurant, The Farmish Market, and Break It Down Nutrition.
What is the average rent in Panama City, FL?
Based on the latest Zillow data, the median rent across all unit types in ZIP code 32405 in Panama City is currently $1,750 per month. Prices vary by neighborhood, floor plan, and building amenities.
What schools are assigned to Turtle Lake?
The schools assigned to Turtle Lake include Lucille Moore Elementary School, Jinks Middle School, and Bay High School.
What are the grocery stores and everyday shopping options near Turtle Lake?
Turtle Lake is located near 4 grocery stores, including Wd Pop-Up Store (0.9 miles) and Winn-Dixie (0.9 miles). Additional shopping options, including Dollar General, are approximately 0.4 miles away.
What is the minimum and maximum rent for Turtle Lake?
The total price for an apartment unit in Turtle Lake ranges from $1,145 to $1,640. The total price will vary by floor plan, unit size, and unit amenities.
There are 4+ floor plans availableWith 27% more variety than properties in the area, you're sure to find a place that fits your lifestyle.
