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Street View
$1,170,000
Monthly Est:$5,824
4 Beds
- 3 Baths
2 full baths + 1 half bath
2,980sqft
3207 Swordfish Dr, Panama City Beach, FL 32408
$1,170,000
$5,824/moEst:
Get Pre-Approved
Single Family Residence
Built in 2023
$137.5/mo HOA
0.25 acre lot
$393/sq.ft
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
- Houzeo last checked: 12 hours ago
- Listing updated: October 14, 2026 at 8:59 am
- Listing Provided by: Mia Nadeau (229) 220-0101 | Beachy Beach Real Estate (850) 233-4351
- Source: Bay/Panama City/Central Panhandle MLS-FL | MLS#: 792030

Property Details
Status
Active
Type
Single Family Residence
No. of Stories
2
County
City
Neighborhood
--
Year Built
2023
HOA Fees
$137.5/mo
Finished Area
2,980 sqft
Lot Size
0.25 acre lot
Basement Area
- sqft
MLS Name
Bay/Panama City/Central Panhandle MLS
MLS Number
792030
MLS Status
Active
Days on Market
107
Cumulative Days on Market
105

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Location
HOA Management
N/A
HOA Fees
$1,650/ Annually
Amenities
Amenities and services may be covered by one or multiple associations and service providers.
Security Guard
Security Gate
AssociationManagement
Disclaimer: Amenities are based on third-party information and may vary; buyers must independently verify all amenities, as information is deemed reliable but not guaranteed.
Facts & Features
Rooms
Bedrooms & bathrooms
Bedrooms: 4
Bathrooms: 3
BonusRoom
Level: Second
Area: 484.00 Square Feet
Dimensions: 22 x 22
Patio
Level: Second
Area: 624.00 Square Feet
Dimensions: 52 x 12
LivingRoom
Level: Second
Area: 456.00 Square Feet
Dimensions: 19 x 24
Kitchen
Level: Second
Area: 195.00 Square Feet
Dimensions: 15 x 13
Interior
Interior Features
Double Vanity, Main Level Primary, Separate Shower, Walk In Closets
Appliances
Electric Oven, Gas Cooktop, Tankless Water Heater
Exterior Features
Covered Patio, Deck, Outdoor Kitchen
Cooling
Central Air, Ceiling Fans
Flooring
Plank, Vinyl
Heating
Fireplaces, Natural Gas
Sewer
Public Sewer
Construction
Year Built
Year Built: 2023
Home type
Single Family Residence
Architectural Style
Craftsman
Construction Materials
Hardiplank Type
Foundation Details
Slab
Utilities & Energy
Fireplace Features
Gas
Parking Features
Paved
Association Amenities
Gated
Security Features
Carbon Monoxide Detectors, Gated Community, Twenty Four Hour Security, Fire Alarm, Smoke Detectors
Other Features
Patio And Porch Features
Balcony, Deck, Covered, Porch
Lot Features
Cul De Sac
Community Features
Gated
Subdivision Name
Bay Point Unit 1
Price History
| Date | Event | Price |
|---|---|---|
06/30/2026 Source: | Listed for Sale | $1,175,000 +0.43% $394/sqft |
06/30/2026 Source: | Price Decreased | $1,170,000 -0.43% $393/sqft |
02/16/2026 Source: | Off Market | $1,175,000 -2.08% $394/sqft |
05/17/2025 Source: | Price Increased | $1,200,000 +4.35% $403/sqft |
04/10/2025 Source: | Listed for Sale | $1,150,000 +1050.00% $386/sqft |
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Based on information from Central Panhandle Association of REALTORS® MLS through Oct 15, 2026, 06:45AM. IDX information is provided exclusively for consumers’ personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by the MLS. ©2026 Bay Central Panhandle Association of REALTORS®
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