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 0.15 acres lot.

Key Features

  • Built in 2023
  • 0.15 acre lot
  • 2 stories
  • 6 parking spaces
  • Fireplace
  • Waterfront

Property Details

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

Amenities

FireplaceWaterfront
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 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. Downstairs, the master suite and two additional bedrooms provide privacy and comfort. This home delivers a rare blend of coastal design, privacy, and unforgettable waterfront living!

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

Kitchen IslandLighting RecessedSplit Bedroom

Exterior Features

BalconyBBQ Pit/GrillHot TubSummer Kitchen

Property Details

Construction

Siding CmntFbrHrdBrd

Outdoor Features

DeckPatio

Parking

Covered

Appliances

DishwasherMicrowaveRefrigerator W/IceMkStove/Oven Dual FuelWater Heater - Tnkls

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, 0.15 acre lot, 2 stories, 6 parking spaces, Fireplace, Waterfront. Interior Features: Kitchen Island, Lighting Recessed, Split Bedroom. Exterior Features: Balcony, BBQ Pit/Grill, Hot Tub.

This property is listed by Karen K Smith.

KS

Karen K Smith

License 3102215

Agent at Beachy Beach Real Estate

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

MLS# 1013996· Source: Emerald Coast Association of Realtors· 7 days on PropertySimple

Copyright © 2026 Emerald Coast 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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