ASSUMABLE LOAN AVAILABLE WITH AN INCREDIBLE 2.25% INTEREST RATE!**

Rarely does a property offer this much space, privacy, and waterfront lifestyle in one package. Set on 1.14 acres with approximately 110 feet of frontage along the crystal-clear waters of Lake Merial, 147 Lake Merial Shores is a 4,182-square-foot waterfront retreat designed for those who believe home should be the gathering place for every holiday, celebration, and family milestone. Featuring six bedrooms, a bonus room, three-car garage and expansive indoor and outdoor living spaces, this remarkable estate is where unforgettable lake memories are made.

From the moment you enter, soaring ceilings and beautiful hardwood flooring create an impressive first impression. To the left of the foyer, a stunning floor-to-ceiling custom library provides the perfect setting for a private office, reading retreat, or study. The private library showcases a custom rolling ladder that glides effortlessly along the entire room. Formal living and dining spaces offer flexibility for gatherings, while a dedicated dining room area with a private bar creates an inviting atmosphere for hosting family celebrations and holiday dinners. The grand living room serves as the heart of the home, featuring dramatic 18-foot ceilings and expansive windows that frame picturesque views of the lake beyond. A beautiful wood burning fireplace creates a warm focal point, flanked by custom built-in cabinetry that provides both elegant display space and functional storage while enhancing the room's timeless character.

The well-appointed kitchen offers abundant cabinetry and storage throughout, including an extended custom storage area adjacent to the eat-in kitchen space. A conveniently located half bath near the kitchen enhances the home's thoughtful design and provides added comfort for guests during gatherings and special occasions. The spacious primary suite is located on the first floor, creating a private retreat separate from the additional bedrooms.

Upstairs, you'll find five generously sized bedrooms, two full bathrooms, and a massive bonus room large enough to serve as a home theater, game room, fitness area, or recreation space large enough for a pool table.

Step outside and experience the true beauty of Lake Merial living. Outdoor living takes center stage with a covered back patio and an expansive paver terrace designed for entertaining and relaxation. A private paver pathway meanders through the backyard to the lakefront, creating a seamless connection to the waterfront lifestyle. Whether you're launching a kayak, casting a line, enjoying a sunset cruise, or simply unwinding by the water, Lake Merial becomes an extension of your backyard. The meticulously maintained grounds create a park-like setting, offering plenty of space for outdoor entertaining, backyard barbecues, family gatherings, and making memories with friends and neighbors. Imagine spending Independence Day watching fireworks illuminate the lake, enjoying golf cart rides through the neighborhood, and ending the evening gathered around the water with family. This is more than a home--it's a lifestyle.

Lake Merial is one of Bay County's most sought-after waterfront communities, centered around a beautiful 300-acre spring-fed lake known for its clear waters and year-round recreational opportunities. Residents enjoy community events, walking trails, green spaces, and food truck nights.

Defined by its scale, waterfront setting, and enduring craftsmanship, 147 Lake Merial Shores stands as a distinguished Lake Merial residence, offering the space, privacy, and versatility to accommodate generations while creating an exceptional backdrop for everyday living. As one of only a handful of homes of this size situated directly on the water within Lake Merial, this remarkable property represents a rare opportunity to own one of the community's most significant waterfront estates.

Welcome to 12815 Merial Pass, a two-story brick home located in Phase I of the highly sought-after gated Lake Merial community, where timeless architecture, spacious living, and resort-style outdoor amenities come together to create an exceptional place to call home. Situated on a nearly half-acre corner lot with picturesque views of beautiful spring-fed Lake Merial, this impressive residence offers approximately 3,199 heated and cooled square feet, including 4 bedrooms, 3.5 bathrooms, and a spacious upstairs bonus room that could easily serve as a fifth bedroom, media room, playroom, or home office.

Built in 2014, this home offers outstanding curb appeal with its classic brick exterior, dimensional shingle roof, manicured landscaping, and fenced backyard. Inside, you'll find a thoughtfully designed floor plan featuring approximately 2,304 square feet on the main level and an additional 895 square feet upstairs.

Step through the front door into an inviting foyer, where a formal dining room welcomes guests on one side and a dedicated home office sits on the other. Throughout the home, elegant crown molding, neutral finishes, engineered hardwood flooring, luxury vinyl plank flooring in the downstairs bedrooms, and ceiling fans in every bedroom create a warm yet sophisticated atmosphere.

The spacious living room features beautiful tray ceilings and flows seamlessly into the open-concept kitchen, making it the perfect gathering place for family and friends. Designed with both function and style in mind, the kitchen offers abundant cabinetry, generous countertop space, and updated appliances, including a stove and dishwasher that are approximately two years old and a refrigerator that is approximately three years old. Just off the kitchen, a convenient half bath provides easy access for guests.

The primary suite serves as a relaxing retreat, complete with a tray ceiling and a well-appointed ensuite bathroom featuring dual vanities, a soaking garden tub, separate walk-in shower, and spacious walk-in closet.

Step outside and discover a backyard designed for enjoying the Florida lifestyle year-round. Installed in 2022, the saltwater pool and attached hot tub create an incredible outdoor oasis for relaxing or entertaining. The pool is equipped with both a heater and chiller, allowing you to comfortably enjoy the water throughout every season. The fully fenced backyard also includes a storage shed, while a newer irrigation well helps efficiently maintain the lawn and landscaping while reducing water costs.

Comfort is maintained throughout the home with dual HVAC systems, allowing separate climate control for both the upstairs and downstairs living areas.

Upstairs you'll find a massive bonus room that offers endless possibilities and could easily function as a fifth bedroom, game room, media room, fitness space, or additional family room. An additional upstairs bedroom and full bathroom make this level ideal for guests, teenagers, or multigenerational living.

Living in Lake Merial means more than simply owning a beautiful home, it is embracing an exceptional lifestyle. Residents enjoy access to the community's stunning 300-acre spring-fed lake, where kayaking, paddleboarding, fishing, and electric-powered boating create endless opportunities for outdoor recreation. Three community lake access areas make enjoying the water effortless, while scenic walking trails, green spaces, food truck nights, neighborhood events, holiday celebrations, and golf cart-friendly streets foster a true sense of community unlike anywhere else in Bay County.

If you've been searching for a home that combines generous living space, timeless construction, resort-style outdoor amenities, beautiful lake views, and one of Bay County's most desirable gated communities, this exceptional Lake Merial property is one you won't want to miss. Schedule your private showing today.

Welcome to your own private waterfront retreat on beautiful Spring Pond. Situated on a 4.71-acre waterfront parcel with approximately 215 feet of freshwater frontage, this exceptional custom-built home offers a rare combination of privacy, luxury, and outdoor recreation. Approximately 2.5 to 3 acres are high and dry, providing ample room for the home, beautifully landscaped grounds, and outdoor living, while the remaining acreage extends into the pristine waters of Spring Pond, enhancing both the property's privacy and waterfront appeal. Built in 2016 and featuring a brand-new roof installed in 2026, the true showpiece is the expansive private white sand beach spanning nearly two-thirds of an acre, creating a setting that feels more like a secluded resort than a private residence.

From the moment you enter, soaring 16-foot ceilings create an impressive first impression, while wood-look tile flooring extends throughout the home, blending timeless style with everyday durability. The spacious living room is highlighted by custom built-in bookcases that convey with the sale, and oversized windows capture breathtaking views of the backyard and waterfront beyond. The open-concept kitchen is designed for gathering, featuring a massive, oversized granite island, custom cabinetry, abundant workspace, and seamless flow into the living and dining areas.

The primary suite offers a peaceful retreat with generous space, a custom headboard that conveys with the home, and a luxurious ensuite bath complete with a soaking tub, double vanity, and oversized tiled walk-in shower with a built-in bench. It also offers private access to the home's spacious screened-in porch. One of the home's most impressive features is the 59-foot by 10-foot screened porch, where you'll enjoy panoramic views of the property and water. Whether you're enjoying your morning coffee, entertaining friends, or simply relaxing at sunset, the scenery provides a sense of peace that's difficult to find. Every detail throughout the home has been thoughtfully designed to create both comfort and functionality.

The backyard is truly something special. Mature landscaping, lush vegetation, apple trees, blueberry bushes, and seasonal blackberry patches create a private sanctuary where nature surrounds you. The crystal-clear waters of Spring Pond invite endless outdoor recreation, including kayaking, paddleboarding, swimming, boating, jet skiing, and fishing for largemouth bass, bluegill, bream, and other freshwater species. With approximately 215 feet of shoreline and your own massive white sand beach, every day feels like a vacation without ever leaving home.

Additional features include a spacious two-car garage, a private well supplying an eight-zone irrigation system, and no HOA restrictions. You'll enjoy exceptional privacy while still being conveniently located just 20 minutes from Lynn Haven, providing easy access to shopping, dining, schools, and everyday conveniences.


As you make your way home, you'll pass the Greenhead Fire Department, a nearby amenity that contributes to more favorable homeowner's insurance rates, followed by scenic horse pastures that set the tone for the peaceful surroundings ahead. Tucked away on the shores of Spring Pond, this exceptional property offers a rare combination of privacy, natural beauty, and waterfront living. Whether you're spending your days relaxing on your private white sand beach, fishing from your backyard, or simply taking in the tranquil views, this is a place where life moves at a slower pace. If you've been dreaming of a home where modern comfort meets the serenity of nature, this one-of-a-kind waterfront retreat is ready to welcome you home. This is more than a waterfront home; it's your own private freshwater paradise.

Welcome to 3025 Sarasota Avenue, a beautifully maintained 2020-built residence offering the perfect combination of modern finishes, everyday functionality, and a highly convenient Panama City location. Featuring 3 bedrooms, 2 bathrooms, and a desirable open-concept design, this home is ideal for first-time homebuyers, downsizers, or investors seeking a low-maintenance property in the heart of Bay County. Inside, you'll find waterproof vinyl flooring throughout, granite countertops, and a spacious living area highlighted by a striking tray ceiling, custom shiplap accent wall, electric fireplace, and built-in entertainment center. The well-appointed kitchen offers ample workspace and storage, while the primary suite features a double vanity and private bath. The exterior showcases attractive stone and vinyl accents that create exceptional curb appeal. Enjoy both front and rear covered porches, gutters, a fully fenced backyard with swing set, and an extended concrete patio perfect for grilling, entertaining, or relaxing outdoors. A stone paver pathway provides convenient access to the backyard, while the two-car garage adds additional storage and functionality. Located in Flood Zone X with no HOA, this property offers added peace of mind and flexibility. Situated just minutes from everyday conveniences, you'll enjoy quick access to Publix, Winn-Dixie, Walmart, and numerous dining and shopping destinations. The home is also conveniently located near schools, parks, and major commuter routes, making daily errands and travel effortless. Combining modern construction, thoughtful upgrades, and an exceptionally convenient central location, 3025 Sarasota Avenue presents an outstanding opportunity to own a move-in-ready home in one of Panama City's most accessible areas.

Welcome to 1900 Beck Ave., a beautifully maintained all-brick home perfectly positioned just minutes from the heart of Historic St. Andrews which is one of Panama City's most sought-after waterfront communities known for its vibrant coastal charm, local restaurants, marinas, boutique shopping, waterfront parks, farmers markets, and year-round community events.

Situated on a spacious corner lot, this 3-bedroom, 2-bathroom residence combines comfort, functionality, and convenience. Step inside to discover a massive 23x25 living room highlighted by luxury vinyl plank waterproof flooring, creating the perfect space for entertaining or relaxing. The updated kitchen features stainless steel appliances, elegant white cabinetry, granite countertops, and a custom backsplash, blending style and practicality seamlessly.

Additional upgrades include all new PEX plumbing throughout, a reliable ADT security system, and the added benefit of being located in Flood Zone X, where flood insurance is not typically required. A new roof was installed in 2018, and the home currently carries an affordable homeowner's insurance premium available upon request.

Outside, the oversized double driveway and covered carport provide ample parking for multiple vehicles, while the large, fenced backyard with convenient access gates offers ideal space for boat or RV storage, perfect for those wanting to take advantage of the nearby bay, marinas, and waterfront lifestyle. Enjoy outdoor gatherings on the spacious covered patio or unwind in the private backyard complete with a farmhouse-style storage shed.

Living near Historic St. Andrews offers a unique coastal lifestyle where golf cart rides to dinner, sunset walks along the bay, live music, boating adventures, and weekends at the marina become part of everyday life. Whether you are enjoying fresh seafood at locally loved restaurants, exploring nearby coffee shops and boutiques, or taking advantage of the area's shopping, dining, entertainment, and commercial conveniences, this location places you near the very best of Panama City. With exceptional accessibility and strong appeal for both homeowners and investors alike, this property presents an incredible opportunity for first-time buyers, long-term rental potential, or anyone looking to embrace the relaxed coastal lifestyle that makes St. Andrews such a desirable place to live. Schedule your private showing today!

Welcome to 6307 Babby Lane, a move-in-ready 3-bedroom, 2-bath home offering approximately 1,564 heated and cooled square feet on a spacious 0.23-acre lot.

Inside, the inviting living area features beautiful exposed wood ceiling beams and opens to the kitchen, creating a comfortable flow for everyday living and entertaining. The kitchen features granite countertops, while both bathrooms have coordinating granite countertops for a cohesive look throughout the home. Just off the kitchen and living area is a spacious heated and cooled Florida room offering approximately 288 square feet of additional living space, perfect for a second living area, home office, playroom, or flex space.

Recent improvements include brand-new carpet in all three bedrooms, a new garbage disposal, a new refrigerator, and fresh interior paint throughout in Sherwin-Williams Greek Villa. The doors, trim, and ceilings have also been freshly painted. Major updates include a roof replaced in February 2019 with 30-year dimensional shingles, HVAC installed in September 2019, and a water heater installed in February 2024.

Outside, the spacious backyard is enclosed by a privacy fence and features double-gate access on both sides of the home, providing convenient access to the backyard. A large storage shed offers plenty of room for tools and outdoor equipment. The property also includes a one-car garage with epoxy flooring.

With this convenient location, you're less than 10 minutes from Tyndall Air Force Base, Walmart, and a variety of restaurants, shopping, and everyday conveniences. Previously rented for $1,695 per month, this home offers versatility for an investor looking to add to a rental portfolio or an owner-occupant searching for a move-in-ready property. With approximately 1,564 heated and cooled square feet, numerous recent improvements, and a fully fenced backyard, 6307 Babby Lane is ready for its next chapter.