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About This Home

This 5-bedroom, 4-bathroom single family at 125 Smugglers Cove Court in Panama City Beach, FL is listed for $995,000 ($299 per sqft). Built in 2005, the home offers 3,329 sqft of living space on a 0.20 acres lot.

Agent Description

Tucked into the highly sought after west end subdivision of Lakes at Summer Breeze, this custom built home with an attached carriage house is the kind of property buyers wait for and rarely find. Enjoy lake and Gulf views, sunsets from multiple balconies, and a short walk to Beach Access 66.

The 2,888 SF main home offers 4 bedrooms, 3 full baths, high ceilings, walls of windows, plantation shutters, tile and wood floors, a gas fireplace, and an updated kitchen with custom cabinetry and gas stove. The first floor suite has its own entrance and is perfect for guests.

Upstairs, the oversized primary suite feels like a retreat, complete with a seating area or office, hardwood floors, nice bath room with a soaker tub and shower, and a full width screened balcony overlooking the lake that will absolutely become your favorite sunset spot.

Two additional spacious bedrooms one with built in bunks, a wet bar, shared balcony, and full bath round out the second level. The carriage house adds serious value a 2 car garage plus a 441 SF studio apartment with full kitchen, full bath, and tankless water heater ideal for guests or multigenerational living.

Outside, enjoy paver patios, an outdoor shower, and daily wildlife sightings such as turtles, ducks, osprey, and even eagles. Bonus perk? Solar panels will be paid off at closing, keeping monthly electric bills refreshingly low. This is PCB luxury living done right.

Key Features

  • Built in 2005
  • 0.20 acre lot
  • 2 stories
  • Fireplace
  • Waterfront

Property Details

2 stories
4 full
2005

Amenities

SolarFireplaceWaterfrontViewA/C

Monthly Cost Estimate

$5,321/mo

20% down · 6.5% · 30 years

Principal$720
Interest$4,312
Insurance$290

Estimates only. Actual payments may vary.

Location

125 Smugglers Cove Court

Panama City Beach, FL 32413

Lakes At Summer Breeze

Features & Amenities

Exterior Features

PatioOutdoorShower

Property Details

Construction

Stucco

Views

Lake

Pool Features

PatioPorch

Parking

OpenGarage

Heating

CentralElectric (Heating)Fireplace(s)

Cooling

Ceiling Fan(s)DuctlessCentral Air

Appliances

GasOvenGasRange

Questions & Answers

This 5-bedroom, 4-bathroom single family at 125 Smugglers Cove Court is listed at $995,000 ($299/sqft). The estimated monthly payment is $4,312 based on 20% down at 6.5% interest.

Key features include: Built in 2005, 0.20 acre lot, 2 stories, Fireplace, Waterfront. Exterior Features: Patio, OutdoorShower.

This property is listed by Mindi A Sato and can be reached at 8506283118 or mindisato@gmail.com.

MS

Mindi A Sato

Agent at Keller Williams Success Realty

(850) 628-3118

Listed by Keller Williams Success Realty · View on Broker Site

MLS# 784633· Source: listhub· Updated 118 days ago

Copyright © 2026 Central Panhandle Association of REALTORS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

125 Smugglers Cove Court, Panama City Beach, FL 32413

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