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Sold for $400,000
  • $400,000

    12590 Emerald Lake Dr, Panama City Beach, FL 32407

    3beds
    1,211sqft
    Single Family Residence
    Built in 1991
    6,534 Square Feet Lot
    $398,500 Zestimate®
    $330/sqft
    $2,411 Estimated rent

    Home value

    $398,500

    $375,000 - $426,000

    $2,411/mo

    Zestimate® history
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    What's special

    Stylish finishesFresh paint throughoutTwo additional bedroomsStorage buildingUpdated en-suite bathMarble countertopsQuiet cul-de-sac
    'CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS' Beautifully maintained and thoughtfully updated 3-bedroom, 2-bath beach home is ideally situated on a quiet cul-de-sac in the heart of the central beach area. Designed with a light, airy coastal aesthetic, the interior features fresh paint throughout and stylish finishes that create a relaxed, move-in-ready retreat. The spacious 21x15 living room is enhanced by vaulted ceilings, offering an open and inviting atmosphere. The kitchen is both functional and appealing, featuring stainless steel appliances, cream-colored solid surface countertops, and crisp white cabinetry. Durable vinyl wood plank flooring runs throughout most of the home, combining style with easy maintenance. A desirable split-bedroom floor plan provides privacy, with a well-appointed primary suite offering dual closets and an updated en-suite bath complete with dual vanities, marble countertops, upgraded fixtures, and designer touches including coastal-inspired accents. Two additional bedrooms share a full bath with an upgraded vanity, lighting and plumbing fixtures. Step outside to enjoy a fully fenced backyard with well-maintained landscaping, supported by a sprinkler system on a newly installed shallow well pump. The outdoor space also includes a storage building and a shaded patio-perfect for relaxing or entertaining. Energy efficiency is a standout feature, with paid off solar panels keeping the current owner's electric bill at approximately $40 per month. Located just minutes from the beach, this home offers easy access to local favorites including Pier Park, Pirates Voyage Dinner & Show, and Topgolf Panama City Beach, along with shopping, dining and other entertainment options. Whether you're looking for a primary residence, vacation getaway, or investment opportunity, this home delivers the perfect blend of comfort, style, and location.

    Zillow last checked:

    Listing updated:

    Listed by:

    Laura Hartzog 850-527-0325,

    Coldwell Banker Realty

    Bought with:

    Taylor Moorman

    Scenic Sotheby's International Realty

    Source: CPAR,MLS#: 788503MLS LogoOriginating MLS: Central Panhandle Association of REALTORS

    Facts & features

    Interior

    Bedrooms & bathrooms
    • Bedrooms: 3
    • Bathrooms: 2
    • Full bathrooms: 2
    Rooms
    • Room types: Bedroom, Dining Room, Full Bath, Garage, Kitchen, Living Room, Primary Bathroom, Primary Bedroom, Other, Patio
    Primary bedroom
    • Level: First
    • Dimensions: 16 x 12.5
    Bedroom
    • Level: First
    • Dimensions: 13 x 10
    Bedroom
    • Level: First
    • Dimensions: 11 x 10
    Primary bathroom
    • Level: First
    • Dimensions: 8.5 x 9.5
    Dining room
    • Level: First
    • Dimensions: 10 x 8
    Other
    • Level: First
    • Dimensions: 8 x 5
    Garage
    • Level: First
    • Dimensions: 26 x 18
    Kitchen
    • Level: First
    • Dimensions: 9 x 10
    Living room
    • Level: First
    • Dimensions: 21 x 15
    Other
    • Description: shed
    • Level: First
    • Dimensions: 10 x 7
    Patio
    • Level: First
    • Dimensions: 10 x 8
    Heating
    • Central, Electric
    Cooling
    • Central Air, Ceiling Fan(s)
    Appliances
    • Included: Electric Range, Gas Water Heater, Tankless Water Heater
    Features
    • Double Vanity, Main Level Primary, Tub Shower
    • Windows: Double Pane Windows
    Interior area
    • Total structure area: 1,211
    • Total interior livable area: 1,211 sqft

    Property

    Parking
    • Total spaces: 2
    • Parking features: Garage
    • Garage spaces: 2
    Features
    • Patio & porch: Patio, Covered, Porch
    • Exterior features: Patio
    • Fencing: Fenced
    Lot
    • Size: 6,534 Square Feet
    • Dimensions: 60 x 106
    • Features: Sprinkler System, Paved
    Details
    • Additional structures: Shed(s)
    • Parcel number: 34170116000
    • Zoning description: Resid Single Family
    • Special conditions: Listed As-Is

    Construction

    Type & style
    • Home type: SingleFamily
    • Architectural style: Coastal
    • Property subtype: Single Family Residence
    Materials
    • Stucco, Wood Frame
    • Foundation: Slab
    • Roof: Composition,Shingle
    Condition
    • New construction: No
    • Year built: 1991

    Utilities & green energy

    • Sewer: Public Sewer
    • Utilities for property: Electricity Available

    Community & HOA

    Community
    • Features: Short Term Rental Allowed
    • Subdivision: Emerald Lake Estates
    HOA
    • Has HOA: No
    Location
    • Region: Panama City Beach

    Financial & listing details

    • Price per square foot: $330/sqft
    • Tax assessed value: $188,677
    • Annual tax amount: $2,580
    • Date on market: 4/17/2026
    • Cumulative days on market: 52 days
    • Electric utility on property: Yes

    Price history

    DateEventPrice
    7/17/2026Sold$400,000-4.8%$330/sqft
    Source: CPAR #788503 Report a problem
    6/9/2026Pending sale$420,000$347/sqft
    Source: CPAR #788503 Report a problem
    5/15/2026Price change$420,000-1.2%$347/sqft
    Source: CPAR #788503 Report a problem
    4/17/2026Listed for sale$425,000+11.8%$351/sqft
    Source: CPAR #788503 Report a problem
    7/22/2025Sold$380,000$314/sqft
    Source: Public Record Report a problem
    1/21/2023Listing removed--
    Source: CPAR Report a problem
    1/2/2023Price change$2,300-8%$2/sqft
    Source: CPAR Report a problem
    12/14/2022Listed for rent$2,500$2/sqft
    Source: CPAR Report a problem

    Public tax history

    YearProperty taxesTax assessment
    2024$2,420 -0.9%$188,677 -0.3%
    2023$2,442 +152.9%$189,192 +92.3%
    2022$965 $98,408
    2021-- --
    2020$858 +2.6%$94,223 +2.3%
    2019$837 $92,105 +1.9%
    2018$837 +1.2%$90,388 +2.1%
    2017$826 +23.2%$88,529 +2.1%
    2016$671 +5.4%$86,708 +0.7%
    2015$636 $86,105 +0.8%
    2014$636 $85,422 +1.5%
    2013-- $84,160 -1.3%
    2012-- $85,236 +6.1%
    2011-- $80,343 +1.5%
    2010-- $79,156 +2.7%
    2009-- $77,075 +0.1%
    2008-- $76,998 +3%
    2007-- $74,755 +2.5%
    2006-- $72,932 +3%
    2005-- $70,808 +3%
    2004-- $68,746 +1.9%
    2003-- $67,464 +2.4%
    2002-- $65,883 +1.6%
    2001-- $64,845 +0.6%
    2000-- $64,457
    Find assessor info on the county website

    Neighborhood: 32407

    Nearby schools

    GreatSchools rating
    Schools provided by the listing agent
    • Elementary: Hutchison Beach
    • Middle: Surfside
    • High: Arnold

    Source: CPAR. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

    Sell for more on Zillow
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    Sell for more on Zillow
    Get a Zillow Showcase℠ listing at no additional cost and you could sell for .
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    +$7,970
    With Zillow Showcase(estimated)
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