# 125 Smugglers Cove Court, Panama City Beach, FL 32413

> **TL;DR:** 5bd/4ba single family, $995,000 ($299/sqft), built 2005, 3,329 sqft.
> Fireplace, Solar, Waterfront, View. Est. $4,312/mo. Listed 118 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $995,000 |
| Price/sqft | $299 |
| Bedrooms | 5 |
| Bathrooms | 4 full |
| Square Feet | 3,329 |
| Year Built | 2005 |
| Lot Size | 8,712 sqft (0.20 acres) |
| Stories | 2 |
| Property Type | Single Family (Single Family Residence) |
| Status | For Sale |
| Days on Market | 118 |

## Why This Home Stands Out

- **Solar Panels** - Reduced energy costs
- **Waterfront** - Direct water access
- **Views** - Lake

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Mortgage (20% down, 6.5%) | $4,312 |
| **Total** | **$4,312** |

## Nearby Schools

- **Elementary:** West Bay
- **Middle:** Surfside
- **High:** Arnold

## Key Amenities

- Fireplace
- Solar
- Waterfront
- View
- A/C

## Property Highlights

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

## Description

### 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.

## Location

- **Address:** 125 Smugglers Cove Court, Panama City Beach, FL 32413
- **County:** Bay
- **Neighborhood:** Lakes At Summer Breeze
- **Coordinates:** 30.22816, -85.898984
- **Google Maps:** https://www.google.com/maps?q=30.22816,-85.898984

## Listing Agent

- **Name:** Mindi A Sato
- **Brokerage:** Keller Williams Success Realty
- **Phone:** 8506283118
- **Email:** mindisato@gmail.com

## Primary Photo

![125 Smugglers Cove Court - Primary Photo](http://lh.rdcpix.com/336217969fb116092965f63d7b43018bl-f716575625r.jpg)

*87 total photos available on [listing page](https://www.propertysimple.com/listing/125-smugglers-cove-court-panama-city-beach-fl-32413-l784633)*

---

**MLS#:** 784633 | **Updated:** 2026-06-19
**Source:** listhub

*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.*

[View on PropertySimple](https://www.propertysimple.com/listing/125-smugglers-cove-court-panama-city-beach-fl-32413-l784633)

---

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