3.99% (6.04% APR) First-Year Rate
30-Year Fixed Rate with 2/1 Buydown Program Limited Time Only on Select Homes
Breakwater at Ward Creek
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Breakwater at Ward Creek Community Area Tour

Why You Will Love This Community

  • Exclusive, gated community with award-winning coastal architecture situated on beautiful home sites, many with preserve or water views
  • Hundreds of designer options are available to personalize your home at the exclusive onsite Toll Brothers Design Studio
  • Central location just minutes from Northwest Florida Beaches International Airport, Future FSU Health Care Facility, 30Avenue Shopping, public beach access, and Pier Park, featuring robust dining, shopping, and entertainment for all ages
  • Enjoy the spectacular Florida lifestyle at the future amenities accessible only by Breakwater residents
  • Residents are less than 20 minutes from the charming coastal town of Rosemary Beach, known for its unique architecture, pristine beaches, boutique shopping, robust dining options and vibrant community atmosphere
School District

Bay District

Located just minutes from the beautiful sandy beaches and turquoise water of the Gulf of Mexico, Breakwater introduces Toll Brothers luxury living to this highly desirable area. This serene, gated community of single-family homes in Panama City Beach, FL, offers unparalleled sophistication and the opportunity for homeowners to select interior finish and fixture options from top brands to create a truly personalized space. Breakwater also features an array of exciting community amenities, like a luxury clubhouse and pool, in addition to its close proximity to the beautiful charm of Rosemary Beach and modern conveniences of Panama City Beach.

Quick Move-In Homes

Designer Appointed

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Displaying 10 Homes

Home Designs

Thoughtfully Created

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Displaying 14 Homes
amenities

Elevate the Everyday

Amenities

Gated

Pool

Fitness Center

Clubhouse

Multi-Purpose Fields

Outdoor Fireplace

Pickleball Courts

Playgrounds

Sports Fields

Sport Court

Tennis Courts

Enjoy the year-round Florida weather at the Breakwater at Ward Creek amenities
Bask in the sun at the resort-style pool
Enjoy relaxing, luxurious amenities

Site Plan

Explore the Possibilities

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