Turtle Cove At Lake Powell
Homes for Sale in Panama City Beach, FL
All 791 homes for sale in Panama City Beach, FL · median $369,900 · 654 homes for sale in 32413 · Bay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via CPAR MLS
As of September 2026, Turtle Cove At Lake Powell in Panama City Beach, FL has 5 homes for sale and 1 pending, asking from $367,970 to $829,000 (median $489,000). Over the 12 months ending 2026-09-20, 7 recorded sales closed at a median of $397,500, a median 141 days on market, sellers accepting 90% of original asking. Homes listed or recently sold were built 2012–2018; 6 of 6 report an HOA (median $273/mo); none of the 6 geocoded homes sit in a FEMA special flood hazard zone (median elevation 29 ft). At the median price and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $4,880 ($4,400 with the full homestead exemption).
| Location | Panama City Beach, Bay County, FL · ZIP 32413 |
|---|---|
| Homes in the community | 99 (FL DOR 2025 assessment roll) |
| Years built | 2006–2023 (median 2013) |
| Typical living area | 2,110 sq ft (median) |
| Home types (current listings and sales) | singlefamilyresidence 100% |
| Sale prices, last 12 months | $397,500 median across 7 closed sales |
| Days on market (closed sales) | 141 median |
| For sale right now | 5 active, 1 pending · median asking $489,000 |
| Owner-occupied (homestead) share | 52% |
Data as of September 20, 2026. Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Turtle Cove At Lake Powell key facts,” movewithmomentum.com/neighborhoods/turtle-cove-at-lake-powell, data as of September 20, 2026.
Homes For Sale Right Now in Turtle Cove At Lake Powell
Live MLS inventory for Turtle Cove At Lake Powell. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending Turtle Cove At Lake Powell listings as of 2026-09-26, priced high to low. Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate. Tap any home to ask about it.
Every Home for Sale in Turtle Cove At Lake Powell Right Now (6)
All 6 active and pending Turtle Cove At Lake Powell listings with a detail page, newest first, refreshed twice a day from the MLS.
- 107 Turtle Cove, Panama City Beach, Fl 32413 · $829,000 · 4 bd / 4 ba · listed Sep 5, 2026 · listed by Compass Florida, LLC
- 216 Turtle Cove, Panama City Beach, Fl 32413 · $639,000 · 4 bd / 4 ba · pending · listed Jul 17, 2026 · listed by Emerald Coast Realty Group
- 127 Terrapin Close, Panama City Beach, Fl 32413 · $715,000 · 5 bd / 3 ba · listed Jul 4, 2026 · listed by Compass Florida, LLC
- 212 Turtle Cove, Panama City Beach, Fl 32413 · $459,000 · 3 bd / 2 ba · listed Jul 4, 2026 · listed by RE/MAX SELECT Partners
- 210 Turtle Cove, Panama City Beach, Fl 32413 · $367,970 · 3 bd / 2 ba · listed Jul 3, 2026 · listed by Counts Real Estate Group Inc
- 124 Turtle Cove, Panama City Beach, Fl 32413 · $489,000 · 3 bd / 3 ba · listed Jun 27, 2026 · listed by Berkshire Hathaway HomeServices Beach Properties of Florida
Turtle Cove At Lake Powell is a small, tightly built pocket of 99 homes, most dating to the years right after 2006 through 2023, with a median build year of 2013. That newer construction age is doing a lot of the pricing work here — at a median of $397,500 for roughly 2,110 square feet of living space, you're paying for a home built to more recent code rather than for a list of resort-style extras, since current MLS listings show no identified community amenities.
The median 141 days on market tells the real story of this cycle: this is not a community where homes move fast. With only 7 closings in the recent window, pricing here should be read as directional rather than precise — each sale carries real weight on the median. Sellers need patience and sharp initial pricing; buyers who are willing to wait out the process have room to negotiate rather than compete.
The 60-Second Overview
Turtle Cove At Lake Powell market snapshot (as of September 20, 2026): the median sale price is about $398K, and a median 141 days on market for closed sales.
In ZIP 32413 (Panama City Beach), 1,569 homes closed in the last 12 months at a median of $445K, down 0.1% year over year, with a median 79 days on market. Right now 1,074 active and 177 pending listings put supply at about 7.3 months — a buyer's market. See the live ZIP 32413 housing market and the Bay County market.
County records show 4 qualified sales in Turtle Cove At Lake Powell across 2024–2025 (2 in 2024, 2 in 2025), median $520,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Turtle Cove At Lake Powell is a community of 99 homes in Panama City Beach, Bay County, built between 2006 and 2023 (median 2013), with a median living area of about 2,110 square feet. 52% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Turtle Cove At Lake Powell is a compact, post-2006 built community in Panama City Beach where roughly half of homes are homesteaded, pointing to a mix of full-time occupancy and second-home or investment use rather than a single dominant pattern.
The setting & the homes.
Aerial and on-site photos of Turtle Cove At Lake Powell. Swipe to explore the community.
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Turtle Cove At Lake PowellPhotos from CPAR MLS listings in Turtle Cove At Lake Powell; content deemed reliable but not guaranteed.
Who Turtle Cove At Lake Powell is best for.
Best for
- Buyers who want newer construction (mostly 2006 and later) without paying for a heavily amenitized community.
- Buyers comfortable with a longer selling and buying timeline, given the 141-day median days on market.
- Buyers or sellers who want a straightforward home purchase without HOA-style recreational amenities as part of the value proposition.
Probably not for
- Anyone who needs certainty from a large pool of recent comps — the sample size here is thin.
- Sellers who need a quick close; the market pace here runs well past a month on average.
- Buyers specifically shopping for a community with organized amenities, since none are identified in current listings.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level CPAR MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($398K) IS the median in the snapshot above.
Windows contain 1 to 26 sales each (7 in the current window); every figure carries its sample size, and thin markets swing on single closings. Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate. Deemed reliable but not guaranteed.
16% of homes for sale in ZIP 32413 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-09-23).
Turtle Cove At Lake Powell Market Scorecard
Turtle Cove At Lake Powell is currently a balanced market., a median asking price of $489,000, and homes go under contract in about 69 days.
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: CPAR MLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Housing distress & ownership in Turtle Cove At Lake Powell, Panama City Beach
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate. Deemed reliable but not guaranteed.
Turtle Cove At Lake Powell on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from CPAR MLS. Map data © OpenStreetMap, tiles © CARTO.
The Turtle Cove At Lake Powell buying strategy.
If we were buying in Turtle Cove At Lake Powell today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Turtle Cove At Lake Powell.
A Small Inventory, A Slow Clock
With only 99 homes total and a handful of closings in the current window, Turtle Cove At Lake Powell trades in small numbers. That has two effects worth understanding before you buy or list here: the median price can shift meaningfully with just one or two unusual sales, and there is no deep run of comparable data to lean on the way you would in a larger subdivision. Buyers and sellers both need to treat the $397,500 median as a reference point, not a ceiling or floor.
The 141-day median days-on-market is the more telling number for anyone planning a timeline. Homes here are not selling in weeks — pricing strategy, condition, and presentation matter more than urgency. Since the community's homes were largely built from 2006 onward, with a median year built of 2013, buyers should expect a mix of near-new and now well-established construction, and sellers of the newer stock have a real argument to make on age and system life versus older Bay County inventory.
The location and the amenities are priced into every listing in Turtle Cove At Lake Powell. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Turtle Cove At Lake Powell buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 3 factors (5.0). Basis: Long-Term Appreciation +83% since 2012; Owner Commitment 52% owner-occupied; Pricing Power 90.0% sale-to-list. Refreshed with each data update.
Why work with Momentum here
A community this small, with this few recent closings, punishes generic pricing advice. We work the actual comparable sales one at a time, flag which ones are outliers given the low closing count, and set expectations on timeline up front rather than after a listing sits for months. If you're buying, we help you use the 141-day market pace as leverage instead of pressure.
Turtle Cove At Lake Powell in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $273/month (about $3,276/yr) · median of 102 MLS listings, most billed quarterly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $273 per month ($3,276 a year) — the median AssociationFee across 102 MLS records, normalised to a monthly figure; most are billed quarterly. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-09.
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Turtle Cove At Lake Powell buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Turtle Cove At Lake Powell sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Turtle Cove At Lake Powell, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Turtle Cove At Lake Powell home worth?
Get a no-obligation home value based on real comparable sales in Turtle Cove At Lake Powell, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Frequently Asked Questions
What is the median home price in Turtle Cove At Lake Powell?
How long do homes in Turtle Cove At Lake Powell take to sell?
How many homes are in Turtle Cove At Lake Powell?
What share of Turtle Cove At Lake Powell is owner-occupied?
When were the homes in Turtle Cove At Lake Powell built?
Have Turtle Cove At Lake Powell home prices gone up?
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Where is Turtle Cove At Lake Powell, and what county is it in?
Is Turtle Cove At Lake Powell a good place to live?
Should you buy in Turtle Cove At Lake Powell?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | CPAR MLS, refreshed twice daily (last: September 26, 2026) |
| Community market stats | CPAR MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (3 streets, ZIP 32413)) |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2012 (160 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of CPAR MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the CPAR MLS member average and 8 days faster, and we’ll price yours against live local comps.
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