About This Home

This 4-bedroom, 3-bathroom single family at 3207 Swordfish Drive in Panama City Beach, FL is listed for $1,170,000 ($393 per sqft). Built in 2023, the home offers 2,980 sqft of living space on a 0.25 acres lot.

Key Features

  • Built in 2023
  • 0.25 acre lot
  • 2 stories
  • Fireplace
  • Waterfront

Property Details

2 stories
2 full, 1 half
2-car garage
2023

Amenities

FireplaceWaterfrontViewA/C
Listing Description

Experience waterfront living in Bay Point with front-row seats to some of the most breathtaking sunrises on the bay. Built in 2023, this elevated coastal masterpiece captures panoramic water views from nearly every room and offers a rare opportunity to watch boats glide toward the lagoon and pass from your own 52-foot back deck.

Designed for both relaxation and entertaining, the deck features a fully equipped outdoor kitchen with grill, sear station, sink, cabinetry, and sleek cable railing that keeps every inch of the view wide open. Inside, walls of oversized windows fill the home with natural light and create a seamless connection to the bay.

The kitchen was thoughtfully designed as the heart of the home, showcasing an over 10-foot island, a cast iron sink perfectly framed by an eight-foot picture window overlooking the bay, and a butler's pantry that keeps everyday appliances out of sight.

With no upper cabinets, the space feels open, modern, and intentionally centered around the view. The upper level was built for gathering, with the kitchen, living space, and office all oriented toward the water. One of the four bedrooms is currently styled as a game room/man cave with a large walk-in storage closet and direct access from the main living area, offering flexible space for guests, hobbies, or media.

The office is finished with over 100-year-old European doors, adding warmth and character you simply can't replicate. Downstairs, three additional bedrooms provide privacy and comfort, including a serene primary suite with calming water views, a spa-inspired bath with soaking tub, walk-in shower, dual vanities, and an oversized custom closet.

Just outside the suite, a private pavered porch with outdoor seating and an eight-person Master Spas hot tub creates a personal retreat where evenings end with peaceful bay breezes and quiet water reflections. Perfectly positioned just down the street from the resident-only Thomas Drive gate, this location offers both added security and exceptional convenience.

Bay Point is one of the area's most sought-after gated communities featuring 24-hour roving security, Bay Point Golf Club, Point South Marina, and golf-cart-friendly streets. Wildlife sightings are part of everyday life here, with deer often seen wandering through your yard, adding to the natural charm that makes Bay Point so special.

From the grand double-door entry and statement staircase to the ever-changing colors of the morning sky over the bay, this home delivers a rare blend of coastal design, privacy, and unforgettable waterfront living! Home Insurance: $2,584 | Flood Insurance (Quoted): $2,500 | Avg Electric: $200 | Avg Gas: $50 | Avg Water: $100

Monthly Cost Estimate

$7,907/mo

20% down · 6.5% · 30 years

Principal$846
Interest$5,070
Insurance$341
HOA$1,650

Estimates only. Actual payments may vary.

Location

3207 Swordfish Drive

Panama City Beach, FL 32408

Bay Point Unit 1

Features & Amenities

Interior Features

DoubleVanityMainLevelPrimarySeparateShowerWalkInClosets

Exterior Features

CoveredPatioDeckOutdoorKitchen

Property Details

Flooring

PlankVinyl

Construction

HardiplankType

Views

Water

Outdoor Features

DeckPatioPorch

Heating

Fireplace(s)Natural Gas

Cooling

Ceiling Fan(s)Central Air

Appliances

ElectricOvenGasCooktopTanklessWaterHeater

Questions & Answers

This 4-bedroom, 3-bathroom single family at 3207 Swordfish Drive is listed at $1,170,000 ($393/sqft). The estimated monthly payment is $7,907 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance, HOA fees.

HOA fees are $1650/month.

Key features include: Built in 2023, 0.25 acre lot, 2 stories, Fireplace, Waterfront. Interior Features: DoubleVanity, MainLevelPrimary, SeparateShower. Exterior Features: CoveredPatio, Deck, OutdoorKitchen.

This property is listed by Mia Nadeau.

MN

Mia Nadeau

Agent at Beachy Beach Real Estate

Listed by Beachy Beach Real Estate · Broker phone: (850) 527-5651 · View on Broker Site · Broker website

MLS# 792030· Source: Central Panhandle Association of REALTORS· 119 days on PropertySimple

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.

3207 Swordfish Drive, Panama City Beach, FL 32408

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