# 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, View, A/C. Est. $7,907/mo. Listed 120 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 | 10,890 sqft (0.25 acres) | | Stories | 2 | | Garage | 2-car | | Property Type | Single Family (Single Family Residence) | | Status | Active | | Days on Market | 120 | ## Why This Home Stands Out - **Waterfront** - Waterfront location listed - **Views** - Water ## 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 - View - A/C - 2-car garage ## Property Highlights - Built in 2023 - 0.25 acre lot - 2 stories - 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 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 ## 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:** Mia Nadeau - **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=BCARFL&m=792030&c=propsimple) ## Photos ![3207 Swordfish Drive - Photo 1](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f3255602846r.jpg) ![3207 Swordfish Drive - Photo 2](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f3619579124r.jpg) ![3207 Swordfish Drive - Photo 3](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f2140200396r.jpg) ![3207 Swordfish Drive - Photo 4](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f1328082409r.jpg) ![3207 Swordfish Drive - Photo 5](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f509146129r.jpg) ![3207 Swordfish Drive - Photo 6](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f2266371023r.jpg) ![3207 Swordfish Drive - Photo 7](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f4207604666r.jpg) ![3207 Swordfish Drive - Photo 8](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f1844413442r.jpg) ![3207 Swordfish Drive - Photo 9](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f2032112615r.jpg) ![3207 Swordfish Drive - Photo 10](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f1856562710r.jpg) ![3207 Swordfish Drive - Photo 11](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f2819682722r.jpg) ![3207 Swordfish Drive - Photo 12](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f1421879603r.jpg) ![3207 Swordfish Drive - Photo 13](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f1135127773r.jpg) ![3207 Swordfish Drive - Photo 14](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f1282521063r.jpg) ![3207 Swordfish Drive - Photo 15](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f1872453276r.jpg) ![3207 Swordfish Drive - Photo 16](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f2417036974r.jpg) ![3207 Swordfish Drive - Photo 17](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f846483198r.jpg) ![3207 Swordfish Drive - Photo 18](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f3313675508r.jpg) ![3207 Swordfish Drive - Photo 19](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f3791287976r.jpg) ![3207 Swordfish Drive - Photo 20](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f3498209563r.jpg) ![3207 Swordfish Drive - Photo 21](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f687509541r.jpg) ![3207 Swordfish Drive - Photo 22](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f3771058668r.jpg) ![3207 Swordfish Drive - Photo 23](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f1118157994r.jpg) ![3207 Swordfish Drive - Photo 24](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f1859303857r.jpg) ![3207 Swordfish Drive - Photo 25](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f1215332572r.jpg) ![3207 Swordfish Drive - Photo 26](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f2716261086r.jpg) ![3207 Swordfish Drive - Photo 27](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f924738562r.jpg) ![3207 Swordfish Drive - Photo 28](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f3715346596r.jpg) ![3207 Swordfish Drive - Photo 29](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f984743633r.jpg) ![3207 Swordfish Drive - Photo 30](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f107469002r.jpg) ![3207 Swordfish Drive - Photo 31](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f814168326r.jpg) ![3207 Swordfish Drive - Photo 32](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f1837676224r.jpg) ![3207 Swordfish Drive - Photo 33](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f3974142565r.jpg) ![3207 Swordfish Drive - Photo 34](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f1461578806r.jpg) ![3207 Swordfish Drive - Photo 35](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f4100944299r.jpg) ![3207 Swordfish Drive - Photo 36](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f3886721241r.jpg) ![3207 Swordfish Drive - Photo 37](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f499324956r.jpg) ![3207 Swordfish Drive - Photo 38](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f4097029782r.jpg) ![3207 Swordfish Drive - Photo 39](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f481662974r.jpg) ![3207 Swordfish Drive - Photo 40](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f2306112720r.jpg) ![3207 Swordfish Drive - Photo 41](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f3143379599r.jpg) ![3207 Swordfish Drive - Photo 42](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f1085206380r.jpg) ![3207 Swordfish Drive - Photo 43](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f2733412167r.jpg) ![3207 Swordfish Drive - Photo 44](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f2099757847r.jpg) ![3207 Swordfish Drive - Photo 45](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f4015848584r.jpg) ![3207 Swordfish Drive - Photo 46](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f4156654890r.jpg) ![3207 Swordfish Drive - Photo 47](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f3644783641r.jpg) ![3207 Swordfish Drive - Photo 48](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f3593171040r.jpg) ![3207 Swordfish Drive - Photo 49](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f1288787936r.jpg) ![3207 Swordfish Drive - Photo 50](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f2214815840r.jpg) ![3207 Swordfish Drive - Photo 51](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f1215820267r.jpg) ![3207 Swordfish Drive - Photo 52](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f1626228823r.jpg) ![3207 Swordfish Drive - Photo 53](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f3834250240r.jpg) ![3207 Swordfish Drive - Photo 54](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f2664784r.jpg) ![3207 Swordfish Drive - Photo 55](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f1482682858r.jpg) ![3207 Swordfish Drive - Photo 56](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f3782935557r.jpg) ![3207 Swordfish Drive - Photo 57](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f3907759306r.jpg) ![3207 Swordfish Drive - Photo 58](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f1270473251r.jpg) ![3207 Swordfish Drive - Photo 59](http://lh.rdcpix.com/18ac9083a93ca5ed27bcdeb479d1495cl-f1045718994r.jpg) --- **MLS#:** 792030 | **Updated:** 2026-10-25 **Source:** listhub *Copyright © 2026 Central Panhandle 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-32408-43a7f0782c1d4ba7a4865bd141780a62) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://staging.propertysimple.ai/listing/3207-swordfish-drive-panama-city-beach-fl-32408-43a7f0782c1d4ba7a4865bd141780a62#listing", "url": "https://staging.propertysimple.ai/listing/3207-swordfish-drive-panama-city-beach-fl-32408-43a7f0782c1d4ba7a4865bd141780a62", "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. 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! 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