listed May 31, 2026SingleFamilyResidence▼ Price cut: $1,000 (8/17)
$749,000
5-Bedroom Home in The Preserve at Lake Powell
725 Landing Circle, Panama City Beach, FL 32413
SingleFamilyResidence in The Preserve at Lake Powell, Panama City Beach · Built 2022
The Preserve at Lake Powell · Panama City Beach, FL 32413 · Bay County
Listing data checked against the MLS November 14, 2026 at 10:45 AM ET · rechecked hourly
Listed by Corcoran Reverie (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
5Bedrooms
4Bathrooms
2022Year Built
FEMA Zone X5 bedrooms
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
Buyer leverage
Balanced market
165 days on market
Zone X
Flood risk
Minimal hazard per FEMA; ~12 ft elevation
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
725 Landing Circle in The Preserve at Lake Powell, Panama City Beach is listed at $749,000. It has been listed May 31, 2026. Listing facts: built in 2022, HOA dues of $88/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
Built 2022 · 4 yrs
listed May 31, 2026
HOA $88/mo (per listing)
Listing description
About this home
Incredible outdoor living meets turnkey convenience in this beautifully upgraded coastal home just minutes from Scenic Highway 30A. A standout feature is the expansive covered entertainment area with 10-foot ceilings, complete with an outdoor kitchen with power and water, hibachi, Green Egg, and grill-perfect for year-round gatherings. Solar panels are included and will be fully paid off at closing, offering energy efficiency and long-term savings.
Recently improved by $25,000, this exceptional property at 725 Landing Circle is ideally positioned on the highly desirable west end of Panama City Beach, close to a rare coastal dune lake, sugar-white sand beaches, and emerald Gulf waters. With more than $150,000 in enhancements, the home showcases elevated finishes, modern fixtures, and durable coastal-friendly materials throughout. The spacious floor plan offers five bedrooms and four full bathrooms.
The main level features a tranquil primary suite for added privacy, plus an additional bedroom and full bath that work well for guests, a home office, or multi-generational living. Upstairs, generously sized bedrooms and baths support both comfortable personal use and strong short-term rental performance. This property is truly move-in ready and ideal as a high-performing vacation rental, full-time residence, or second home.
Its prime location near 30A, Gulf beaches, shopping, dining, and entertainment enhances both lifestyle and investment appeal. Experience luxury, comfort, and coastal living in one of Panama City Beach's most sought-after areas.
All 47 photos
Description provided by Corcoran Reverie and reproduced from the MLS; not independently verified.
Comparable closed sales for this home are unavailable right now, so this page shows no comparable-sales median or automated estimate for The Preserve at Lake Powell. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$749,000
Bed / bath5 / 4
Year built2022
Property typeSingleFamilyResidence
MLS #785925
Listing statuslisted May 31, 2026
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~12 ft
CountyBay
Area listings1 active · 0 under contract
Estimated first-year tax~$8,575/yr
CDD assessmentNone on record
HOA$88/mo
Calculated estimates
Estimated monthly payment$5,079
Insurance (illustrative)$2k–$4k/yr
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$5,079/mo
Principal & interest $4,059/mo80%
Taxes $715/mo14%
Insurance $218/mo4%
HOA $88/mo2%
$5,079/mo at 20% down, 30-yr @ 7.18% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Bay County rate (12.28 mills, county-average millage, 2025; verify with the property appraiser). Not a bill.
⚠️
Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Current owner’s estimated bill $6,625/yr ($552/mo) — taxable value $540,189 × 12.28 mills
$1,950 more each year
(+29%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$91,807
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$631,996
Market value
$590,911
Assessed
$540,189
Taxable
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Sources: Florida DOR certified tax roll (2025), Central Panhandle AR; millage: Florida TaxWatch 2025 How Florida Counties Compare (county-average millage); school portion estimated at ~42% of total, capped at 6.50 mills. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 725 Landing Circle
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
Property tax
The current owner's bill is about $6,625/yr (certified county roll, taxable value × millage). Buy at the asking price of $749,000 and the first-year bill resets to about $8,575/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 12.28 mills (county-average millage, estimate)); Save Our Homes caps later increases at 3%/yr.
HOA dues
$88/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close.
Home and flood insurance
The average Citizens Property Insurance premium in Bay County is $1,928/yr (1,264 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $2,000–$4,000/yr; neither is a quote. Flood: this address maps to FEMA zone X, outside the high-risk zone; flood insurance is optional but most lenders and insurers recommend it. Statewide, a zone X flood policy runs about $500–$700/yr (FEMA Risk Rating 2.0 averages, not a quote).
Roof and age
Built in 2022. A newer roof and current wind-mitigation features usually mean the lower end of insurance quotes; ask for the wind-mitigation form.
Estimated carrying cost at the asking price, before the mortgage: about $963/month (tax $715, HOA $88, insurance $161). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
CDD assessment
Not reported
The MLS listing does not report a CDD amount. Many Florida communities have one; it shows on the county tax bill — confirm with the tax collector or the listing agent.
Insurance (illustrative range)
$2k–$4k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$88/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~12 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Bay County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
County hazard risk ratings (FEMA National Risk Index, county level)
Hazard risk
Natural hazard risk
FEMA National Risk Index for Bay County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneVery High
Coastal floodingRelatively Moderate
Inland floodingRelatively Moderate
Heat waveRelatively Moderate
WildfireRelatively Low
TornadoRelatively High
LightningVery High
Strong windRelatively Moderate
DroughtVery Low
HailVery Low
Cold waveRelatively Moderate
Winter weatherRelatively Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband — how to check availability for this address
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Property timeline
This home’s history
2022BuiltPer public record
About May 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (listed about May 31, 2026)
Aug 4, 2026First seen on our siteObserved at $750,000
Aug 17, 2026Price cut$749,000 (-$1,000, -0.1%)
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $749,000Corcoran Reverie · listed May 31, 2026
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
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Listed by Corcoran Reverie · MLS # 785925
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Keep looking
Similar homes for sale near The Preserve at Lake Powell
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
225 Rose Lane, Panama City Beach, FL 32413, Panama City Beach · $750,000 · 3 bd / 2 ba · listed November 12, 2026 (courtesy of Berkshire Hathaway HomeServices Beach Properties of Florida)
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Oct 2026 · Retail Dining
Boots on the Beach western wear store opens in Panama City Beach
The store held its grand opening on October 28 near Joan Avenue and Thomas Drive, selling men's and women's western clothing and boots and offering a custom hat bar. Co-owner Jo Cochran said Pier Park's only western option is Dillard's.
Why it matters: A specialty apparel shop broadens local shopping choices outside the Pier Park retail core. The project is about 3 miles east of The Preserve At Lake Powell, elsewhere in Bay County.
Bay County wraps up second phase of Island View Park renovations
Phase two, costing about $40,000 from the county general budget, adds two pavilions, a basketball court and sidewalks, following a May playground replacement. A new fence is already in. Completion is expected within a few weeks.
Why it matters: Added courts, shade structures and walkways improve everyday recreation options in the surrounding neighborhood. The project is about 10 miles east of The Preserve At Lake Powell, elsewhere in Bay County.
West Beach Drive and Mulberry Avenue water, sewer and sidewalk work set to begin in Panama City
The project covers West Beach Drive from Sixth to Fourth Street and Mulberry Avenue, adding water lines, sewer lines and sidewalks in three phases to keep businesses open. Chevron has agreed to cover extra disposal costs if contaminated soil is found. Crews were expected to mobilize within about a week.
Why it matters: Upgraded utilities and sidewalks support the west-side commercial area, with some construction disruption during phasing. The project is about 11 miles east of The Preserve At Lake Powell, elsewhere in Bay County.
Panama City Beach advances Clara Avenue and Cobb Road sidewalks to engineering
City council voted to move sidewalk enhancements on Clara Avenue and Cobb Road into the engineering phase. Mayor Stuart Tettemer hopes to receive engineering work in early to mid 2027 before the next phase. No cost was stated.
Why it matters: Planned sidewalks would improve walking connections along two local streets, though construction is still more than a year off. The project is about 4 miles east of The Preserve At Lake Powell, elsewhere in Bay County.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in Bay County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
School zoningThis address is in the Bay County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
Items worth confirming for 725 Landing Circle, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2022: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $88/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
Get a homeowners insurance quote for this specific address in Bay County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Confirm square footage and room dimensions independently.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $8,575/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,950 more per year than the current owner’s estimated bill (+29%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
Confirm school zoning directly with the district.
Provenance
Data sources & freshness
Listing record
CPAR, checked against the MLS hourly (last: November 14, 2026)
Comparable sales
Comparable-sales estimate unavailable for this home right now — no medians or automated estimate shown
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of CPAR records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 725 Landing Circle and when was it built?
Per the listing record, 725 Landing Circle was built in 2022 and has 5 bedrooms and 4 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 725 Landing Circle in?
725 Landing Circle is in The Preserve at Lake Powell in Panama City Beach, Bay County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Does 725 Landing Circle have an HOA, and how much are the dues?
The listing reports HOA dues of $88 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 725 Landing Circle differ from the current owner's?
The estimate on this page (about $8,575 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,950 more per year than the current owner’s estimated bill (+29%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 725 Landing Circle in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
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Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com and we will review and correct or remove it promptly.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
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Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
