Florida

Build your new home in Panama City Beach FL with Toll Brothers. Choose from a great selection of new construction home designs with flexible floor plans.

New Homes in Panama City Beach FL - New Construction Homes | Toll Brothers® 

Learn More About
Financing Offers
Available Now

Special Pricing on Select Quick Move-in Homes

30-Year Fixed Rate with 2/1 Buydown Program
Limited Time Only on Select Homes

[{"rate":3.49,"apr":5.68},{"rate":4.49,"apr":5.68},{"rate":5.49,"apr":5.68}]

For a limited time on select quick move-in homes, Toll Brothers Mortgage Company is offering reduced interest rates for the first two years of your 30-year fixed loan and then a locked interest rate starting with year three for the remaining loan term. All with as little as 10% down. This offer is only available on homes that close by October 17, 2025, so take advantage of this great rate now.

Discover the Toll Brothers 2/1 Buydown Program and give yourself one more reason to make your next move.

Breakwater at Ward Creek - Coastal Collection offers single-family homes ranging from 1,644 to 2,348 square feet in this exciting, gated new home community in Panama City Beach, Florida. Situated just minutes from the beach and the excitement of Panama City while maintaining its own quiet tranquility, this community brings luxury living and lifestyle to this highly desirable area. Plus, the Coastal Collection offers residents access to all community amenities, including a clubhouse, pool, and more.

Just minutes from beautiful Gulf beaches, Breakwater at Ward Creek - Coastal Collection offers new single-family homes in Panama City Beach, FL, within a gated community featuring incredible amenities and proximity to shopping and dining

Bellview

Cain

Frankford

Hathaway

Breakwater at Ward Creek - Coastal Collection

Just minutes from beautiful Gulf beaches, Breakwater at Ward Creek - Coastal Collection offers new single-family homes in Panama City Beach, FL, within a gated community featuring incredible amenities and proximity to shopping and dining.

Located just minutes from the Gulf of Mexico, Breakwater at Ward Creek - Oasis Collection offers five distinct home designs ranging from 2,114 to 2,539 square feet in a beautiful, gated new home community in Panama City Beach, FL. These single-family homes offer the opportunity to personalize fixtures and finishes at the Toll Brothers Design Studio. Breakwater at Ward Creek offers residents the ideal combination of luxury living and exciting lifestyle with its proximity to the beach and sophisticated shopping and dining, as well as community amenities that can be enjoyed year-round.

Breakwater at Ward Creek - Oasis Collection is a gated luxury new home community in Panama City Beach, FL, that features five beautiful home designs with options for designer finishes in a premier destination just minutes from gorgeous Gulf beaches

Delwood Farmhouse

Delwood Cottage

Sandestin Coastal

Summerwood Coastal

Summerwood Farmhouse

Palmetto Coastal

Delwood

Sandestin

Summerwood

West Bay

Palmetto

Breakwater at Ward Creek - Oasis Collection

Breakwater at Ward Creek - Oasis Collection is a gated luxury new home community in Panama City Beach, FL, that features five beautiful home designs with options for designer finishes in a premier destination just minutes from gorgeous Gulf beaches.

Defined by its expansive home designs ranging up to 3,392 square feet, Breakwater at Ward Creek - Vista Collection offers single-family homes in a sought-after location just minutes from the Gulf of Mexico. These luxury homes in Panama City Beach, FL, are the perfect blend of sophistication and convenience. Between its community amenities and proximity to upscale shopping and dining as well as the beautiful white sand beaches, Breakwater at Ward Creek makes it easy to enjoy the quintessential Florida lifestyle all year long.

Indulge in the epitome of resort-style living at Breakwater at Ward Creek - Vista Collection, which offers luxury homes in Panama City Beach, FL, unparalleled comfort, lavish amenities, and a premier destination just minutes from the Gulf of Mexico

Callaway Coastal

Caswell Cottage

Sandy Coastal

Grayton Farmhouse

Killian

Callaway

Caswell

Sandy

Grayton

Breakwater at Ward Creek - Vista Collection

Indulge in the epitome of resort-style living at Breakwater at Ward Creek - Vista Collection, which offers luxury homes in Panama City Beach, FL, unparalleled comfort, lavish amenities, and a premier destination just minutes from the Gulf of Mexico.

Just minutes from the gorgeous beaches of the Gulf of Mexico, Breakwater at Ward Creek is a gated community in Panama City Beach, FL, featuring luxury single-family homes with access to amazing resort-style amenities.

Beautiful sandy beaches and turquoise water of the Gulf of Mexico

Your Dream Home Awaits