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® 

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30-Year Fixed Rate with 2/1 Buydown Program

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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 with as little as 10% down, and then enjoy a locked interest rate starting in year three for the remaining loan term. This offer is only available on homes that close by June 30, 2026, 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 in Panama City Beach, FL, ranging from 1,665 to 2,548 square feet in an exciting gated community. 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 Cottage

Bellview Farmhouse

Frankford Farmhouse

Bellview

Cain

Frankford

Hathaway

Breakwater at Ward Creek - Coastal Collection

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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 Coast, Breakwater at Ward Creek - Oasis Collection offers five distinct home designs ranging from 2,114 to 2,565 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 in the spaces that matter most 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

Summerwood Cottage

Palmetto Farmhouse

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 3,242 square feet, Breakwater at Ward Creek - Vista Collection offers single-family homes in a sought-after location just minutes from the Gulf Coast. 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 Coast

Callaway

Caswell

Killian

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 Coast.

Just minutes from the gorgeous Gulf Coast beaches, 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

Breakwater at Ward Creek

Panama City Beach, FL - Community

New Homes for Sale in Panama City Beach, FL

Panama City Beach, FL, is a coastal paradise where Toll Brothers builds exquisite homes for those seeking a dream lifestyle. Nestled along the stunning Gulf Coast, this relaxed city offers a vibrant community and a wealth of natural beauty. With a commitment to quality and craftsmanship, Toll Brothers has chosen this idyllic location to create exceptional homes that cater to your lifestyle. Now is the time to embark on your journey to build the perfect new home in Panama City Beach and turn your dreams into reality.

Neighborhoods & Communities in Panama City Beach, FL

Boasting some of the best communities in Florida, Toll Brothers builds new construction homes in the most sought-after areas in and around Panama City Beach. Nearby El Centro Beach and Laguna Beach are known for their tranquil atmosphere and picturesque sunsets where you can enjoy the breathtaking views of the emerald waters and white sandy beaches. For those seeking a balance between natural beauty and convenience, West Bay provides the perfect blend of proximity to both the beach and essential amenities.

What to Expect Living in Panama City Beach, FL

When you choose to build a new construction home in Panama City Beach, FL, you'll experience a mild, subtropical climate with warm summers and mild winters, allowing you to enjoy outdoor activities year-round. Convenient highways like I-10 and Route 98 and accessible transportation options like the Bay Town Trolly make commuting a breeze, ensuring that you can easily explore nearby cities such as Tallahassee and Pensacola if you're seeking a change of scenery. Plus, the vibrant city of Destin is just under two hours away, with its stunning beaches, renowned fishing, and exciting entertainment and dining options, making it a perfect destination for weekend getaways. By choosing Toll Brothers, you make the easy choice of enjoying the best of Panama City Beach and beyond.

Places and Activities in Panama City Beach, FL

Panama City Beach offers a plethora of exciting activities to indulge in. From world-class golf courses to stunning nature trails and family-friendly attractions, there's something for everyone. Explore the vibrant coastal food scene or spend lazy days on the beach, basking in the Florida sun. St. Andrews State Park gives adventurers miles of beaches to explore on land while riding bikes or by sea while swimming, surfing, or snorkeling. Plus, with Pier Park so close, you'll have endless shopping, dining, and entertainment at your fingertips. With Toll Brothers as your home builder, you can fully immerse yourself in the incredible lifestyle that Florida has to offer while you enjoy luxury at home. It's time to take the next step and build your new home in Panama City Beach, where luxury, comfort, and coastal living converge seamlessly.

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New Homes for Sale in the Panama City Beach Area

Breakwater at Ward Creek