# 3207 Swordfish Drive, Panama City Beach, FL 32408 > **TL;DR:** 4bd/3ba single family, $1,170,000 ($393/sqft), built 2023, 2,980 sqft. > Fireplace, Waterfront, 2-car garage. Est. $7,907/mo. Listed 8 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $1,170,000 | | Price/sqft | $393 | | Bedrooms | 4 | | Bathrooms | 2 full, 1 half | | Square Feet | 2,980 | | Year Built | 2023 | | Lot Size | 6,534 sqft (0.15 acres) | | Stories | 2 | | Garage | 2-car | | Property Type | Single Family (Other) | | Status | Active | | Days on Market | 8 | ## Why This Home Stands Out - **Waterfront** - Waterfront location listed ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $5,916 | | Estimated Insurance | $341 | | HOA | $1,650 | | **Total** | **$7,907** | ## Nearby Schools - **Elementary:** Patronis - **Middle:** Surfside - **High:** Arnold ## Key Amenities - Fireplace - Waterfront - 2-car garage ## Property Highlights - Built in 2023 - 0.15 acre lot - 2 stories - 6 parking spaces - Fireplace - Waterfront ## Description ### Agent 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! ## Location - **Address:** 3207 Swordfish Drive, Panama City Beach, FL 32408 - **County:** Bay - **Neighborhood:** BAY POINT UNIT 1 - **Coordinates:** 30.150716, -85.738508 - **Google Maps:** https://www.google.com/maps?q=30.150716,-85.738508 ## Listing Agent - **Name:** Karen K Smith · **License:** 3102215 - **Brokerage:** Beachy Beach Real Estate - **Broker Phone:** (850) 527-5651 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/3207-Swordfish-Dr_Panama-City-Beach_FL_32408_M55643-42964?f=listhub&s=ECARMLSFL&m=1013996&c=propsimple) ## Photos ![3207 Swordfish Drive - Photo 1](http://lh.rdcpix.com/a5d99cc02871ae5b28a98c35ec168f07l-f273195033r.jpg) ![3207 Swordfish Drive - Photo 2](http://lh.rdcpix.com/a5d99cc02871ae5b28a98c35ec168f07l-f1386965798r.jpg) ![3207 Swordfish Drive - Photo 3](http://lh.rdcpix.com/a5d99cc02871ae5b28a98c35ec168f07l-f1911077802r.jpg) ![3207 Swordfish Drive - Photo 4](http://lh.rdcpix.com/a5d99cc02871ae5b28a98c35ec168f07l-f1673313768r.jpg) ![3207 Swordfish Drive - Photo 5](http://lh.rdcpix.com/a5d99cc02871ae5b28a98c35ec168f07l-f1082998159r.jpg) ![3207 Swordfish Drive - Photo 6](http://lh.rdcpix.com/a5d99cc02871ae5b28a98c35ec168f07l-f1347929140r.jpg) ![3207 Swordfish Drive - Photo 7](http://lh.rdcpix.com/a5d99cc02871ae5b28a98c35ec168f07l-f1856543095r.jpg) ![3207 Swordfish Drive - Photo 8](http://lh.rdcpix.com/a5d99cc02871ae5b28a98c35ec168f07l-f3116354037r.jpg) ![3207 Swordfish Drive - Photo 9](http://lh.rdcpix.com/a5d99cc02871ae5b28a98c35ec168f07l-f3564590028r.jpg) ![3207 Swordfish Drive - Photo 10](http://lh.rdcpix.com/a5d99cc02871ae5b28a98c35ec168f07l-f1565917160r.jpg) ![3207 Swordfish Drive - Photo 11](http://lh.rdcpix.com/a5d99cc02871ae5b28a98c35ec168f07l-f893646703r.jpg) ![3207 Swordfish Drive - Photo 12](http://lh.rdcpix.com/a5d99cc02871ae5b28a98c35ec168f07l-f1923759375r.jpg) ![3207 Swordfish Drive - Photo 13](http://lh.rdcpix.com/a5d99cc02871ae5b28a98c35ec168f07l-f4105579625r.jpg) ![3207 Swordfish Drive - Photo 14](http://lh.rdcpix.com/a5d99cc02871ae5b28a98c35ec168f07l-f2867313250r.jpg) ![3207 Swordfish Drive - Photo 15](http://lh.rdcpix.com/a5d99cc02871ae5b28a98c35ec168f07l-f1675533834r.jpg) ![3207 Swordfish Drive - Photo 16](http://lh.rdcpix.com/a5d99cc02871ae5b28a98c35ec168f07l-f3352986212r.jpg) ![3207 Swordfish Drive - Photo 17](http://lh.rdcpix.com/a5d99cc02871ae5b28a98c35ec168f07l-f1316309978r.jpg) ![3207 Swordfish Drive - Photo 18](http://lh.rdcpix.com/a5d99cc02871ae5b28a98c35ec168f07l-f1504521135r.jpg) ![3207 Swordfish Drive - Photo 19](http://lh.rdcpix.com/a5d99cc02871ae5b28a98c35ec168f07l-f112712795r.jpg) ![3207 Swordfish Drive - Photo 20](http://lh.rdcpix.com/a5d99cc02871ae5b28a98c35ec168f07l-f3001222013r.jpg) ![3207 Swordfish Drive - Photo 21](http://lh.rdcpix.com/a5d99cc02871ae5b28a98c35ec168f07l-f4163207042r.jpg) ![3207 Swordfish Drive - Photo 22](http://lh.rdcpix.com/a5d99cc02871ae5b28a98c35ec168f07l-f1481935717r.jpg) ![3207 Swordfish Drive - Photo 23](http://lh.rdcpix.com/a5d99cc02871ae5b28a98c35ec168f07l-f2043525811r.jpg) ![3207 Swordfish Drive - Photo 24](http://lh.rdcpix.com/a5d99cc02871ae5b28a98c35ec168f07l-f361696711r.jpg) ![3207 Swordfish Drive - Photo 25](http://lh.rdcpix.com/a5d99cc02871ae5b28a98c35ec168f07l-f901658058r.jpg) ![3207 Swordfish Drive - Photo 26](http://lh.rdcpix.com/a5d99cc02871ae5b28a98c35ec168f07l-f1287110238r.jpg) ![3207 Swordfish Drive - Photo 27](http://lh.rdcpix.com/a5d99cc02871ae5b28a98c35ec168f07l-f2514330896r.jpg) ![3207 Swordfish Drive - Photo 28](http://lh.rdcpix.com/a5d99cc02871ae5b28a98c35ec168f07l-f3424633144r.jpg) ![3207 Swordfish Drive - Photo 29](http://lh.rdcpix.com/a5d99cc02871ae5b28a98c35ec168f07l-f89478810r.jpg) ![3207 Swordfish Drive - Photo 30](http://lh.rdcpix.com/a5d99cc02871ae5b28a98c35ec168f07l-f1042947167r.jpg) ![3207 Swordfish Drive - Photo 31](http://lh.rdcpix.com/a5d99cc02871ae5b28a98c35ec168f07l-f207265948r.jpg) ![3207 Swordfish Drive - Photo 32](http://lh.rdcpix.com/a5d99cc02871ae5b28a98c35ec168f07l-f150250097r.jpg) ![3207 Swordfish Drive - Photo 33](http://lh.rdcpix.com/a5d99cc02871ae5b28a98c35ec168f07l-f2774405533r.jpg) ![3207 Swordfish Drive - Photo 34](http://lh.rdcpix.com/a5d99cc02871ae5b28a98c35ec168f07l-f3526386348r.jpg) ![3207 Swordfish Drive - Photo 35](http://lh.rdcpix.com/a5d99cc02871ae5b28a98c35ec168f07l-f1354274780r.jpg) ![3207 Swordfish Drive - Photo 36](http://lh.rdcpix.com/a5d99cc02871ae5b28a98c35ec168f07l-f1624438850r.jpg) ![3207 Swordfish Drive - Photo 37](http://lh.rdcpix.com/a5d99cc02871ae5b28a98c35ec168f07l-f1293139837r.jpg) ![3207 Swordfish Drive - Photo 38](http://lh.rdcpix.com/a5d99cc02871ae5b28a98c35ec168f07l-f3923215893r.jpg) ![3207 Swordfish Drive - Photo 39](http://lh.rdcpix.com/a5d99cc02871ae5b28a98c35ec168f07l-f1060703429r.jpg) ![3207 Swordfish Drive - Photo 40](http://lh.rdcpix.com/a5d99cc02871ae5b28a98c35ec168f07l-f3680438434r.jpg) ![3207 Swordfish Drive - Photo 41](http://lh.rdcpix.com/a5d99cc02871ae5b28a98c35ec168f07l-f1372522285r.jpg) ![3207 Swordfish Drive - Photo 42](http://lh.rdcpix.com/a5d99cc02871ae5b28a98c35ec168f07l-f463669806r.jpg) ![3207 Swordfish Drive - Photo 43](http://lh.rdcpix.com/a5d99cc02871ae5b28a98c35ec168f07l-f1242724463r.jpg) ![3207 Swordfish Drive - Photo 44](http://lh.rdcpix.com/a5d99cc02871ae5b28a98c35ec168f07l-f1266646596r.jpg) ![3207 Swordfish Drive - Photo 45](http://lh.rdcpix.com/a5d99cc02871ae5b28a98c35ec168f07l-f3041049296r.jpg) ![3207 Swordfish Drive - Photo 46](http://lh.rdcpix.com/a5d99cc02871ae5b28a98c35ec168f07l-f1650667833r.jpg) ![3207 Swordfish Drive - Photo 47](http://lh.rdcpix.com/a5d99cc02871ae5b28a98c35ec168f07l-f669599360r.jpg) ![3207 Swordfish Drive - Photo 48](http://lh.rdcpix.com/a5d99cc02871ae5b28a98c35ec168f07l-f3572369761r.jpg) ![3207 Swordfish Drive - Photo 49](http://lh.rdcpix.com/a5d99cc02871ae5b28a98c35ec168f07l-f1260744288r.jpg) ![3207 Swordfish Drive - Photo 50](http://lh.rdcpix.com/a5d99cc02871ae5b28a98c35ec168f07l-f715952913r.jpg) --- **MLS#:** 1013996 | **Updated:** 2026-10-25 **Source:** listhub *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.* [View on PropertySimple](https://staging.propertysimple.ai/listing/3207-swordfish-drive-panama-city-beach-fl-32408-00bda49763974f258abc0dad57446c1a) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://staging.propertysimple.ai/listing/3207-swordfish-drive-panama-city-beach-fl-32408-00bda49763974f258abc0dad57446c1a#listing", "url": "https://staging.propertysimple.ai/listing/3207-swordfish-drive-panama-city-beach-fl-32408-00bda49763974f258abc0dad57446c1a", "name": "3207 Swordfish Drive, Panama City Beach, FL 32408", "description": "Experience waterfront living in Bay Point with front-row seats to some of the most breathtaking sunrises on the bay. 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