Gated

Pool

Fitness Center

Clubhouse

Multi-Purpose Fields

Outdoor Fireplace

Pickleball Courts

Playgrounds

Sports Fields

Sport Court

Tennis Courts

Residents can enjoy private amenities at Breakwater at Ward Creek

Enjoy the Florida weather year-round at the Breakwater at Ward Creek amenities

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Learn More About
Financing Offers
Available Now

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

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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 and then a locked interest rate starting with year three for the remaining loan term. This offer is only available on homes that close by August 28, 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 Community Area Tour

Breakwater at Ward Creek in Panama City Beach, FL, Community Tour

Open-concept floor plans perfect for entertaining

Gourmet kitchens with islands for extra seating

Spacious great room just off the gourmet kitchen

Enjoy stunning white sand beaches and clear blue waters

Breakwater is centrally located close to shopping, dining, and entertainment

Pier Park, located in Panama City Beach, Florida, is a popular shopping, dining, and entertainment destination

Rosemary Beach is known for its charming architecture, boutique shopping, and pedestrian-friendly community atmosphere

The Cain home design welcomes you into a dramatic two-story foyer through an enticing passage to the great room, casual dining area, and covered lanai. The open-concept floor plan hosts a well-designed kitchen that sits at the heart of it all with an ample center island providing added counter space, perfect for socializing and meal preparations. A versatile flex room located conveniently near the everyday entry and powder room offers customizable living space. Upstairs, find luxury in the seclusion of your primary bedroom suite complete with a walk-in closet and private bath featuring a dual-sink vanity and a dedicated water closet. Two secondary bedrooms are equally inviting alongside an additional loft space suitable for relaxation or entertainment, while easy access laundry facilities present convenience on this same level.

Coastal

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Farmhouse

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Thoughtfully designed and full of charm, the Frankford home design offers extraordinary single-level living. A gracious foyer and flex room flow into the stunning open-concept great room and casual dining area with access to the beautiful rear covered lanai. The well-designed kitchen is defined by a spacious center island with breakfast bar, wraparound counter and cabinet space, and a sizable pantry. The secluded primary bedroom suite is complemented by an ample walk-in closet and a splendid primary bath with a dual-sink vanity, a large luxe shower, and a private water closet. The large secondary bedroom features a roomy closet and a shared hall bath. Additional highlights include conveniently located laundry and plenty of additional storage.

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Featured Home Design

The Hathaway home design delivers everything a modern family needs, spread over two spacious stories and encompassing an impressive area of over 2,500 square feet. With a welcoming two-story front porch leading to a gorgeous foyer leading into the spacious great room, open dining area, and well-equipped kitchen with a large center island for gathering around, it's easy to see why this layout is so popular among homeowners today. The main floor also includes the primary suite featuring dual sinks in the bathroom along with a luxurious shower and a generous walk-in closet for ample storage space, making this suite truly serene. A versatile flex room on this level provides additional space for relaxation or entertaining. Further exploration reveals two secondary bedrooms providing comfort and convenience at every turn. A central loft provides additional everyday living space for family or guests. This impeccable design includes practical elements like a first-floor laundry area and plenty of outdoor living space with the covered lanai.

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The Bellview home design charms with its thoughtful use of space and inviting open floor plan. At the heart of this home is a well-equipped kitchen featuring a center island with a breakfast bar that opens into an airy great room, perfect for entertaining or relaxed evenings at home. Adjoining the kitchen and great room is a casual dining area central to both spaces. A private primary suite offers tranquility, complete with a dual-sink vanity in the primary bath, private water closet, and generous walk-in closet. Additional features include a central laundry room, covered lanai, and an everyday entry that provides access to the foyer and promotes a clutter-free living environment while maintaining close proximity to essential spaces.

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Breakwater - Coastal Collection features single-family homes in Panama City Beach, FL, within a gated community offering access to luxurious onsite amenities.

Breakwater at Ward Creek - Coastal Collection

Exclusive, gated community with award-winning coastal architecture situated on beautiful home sites, many with preserve or water views

Open floor plans with gourmet kitchens, seamless indoor/outdoor living areas, and expansive flex spaces

Prime location minutes from Northwest Florida Beaches International Airport, the future FSU Health Care Facility, upscale shopping at 30Avenue, public beach access, and vibrant dining, shopping, and entertainment at Pier Park

Central location just minutes from Northwest Florida Beaches International Airport and Pier Park, featuring robust dining, shopping, and entertainment for all ages

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

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.

Coastal Collection

Why You Will Love This Community

School District

Home Designs

Thoughtfully Created

Bellview

Cain

Frankford

Hathaway

Elevate the Everyday

Gated

Pool

Fitness Center

Clubhouse

Multi-Purpose Fields

Outdoor Fireplace

Pickleball Courts

Playgrounds

Sports Fields

Sport Court

Tennis Courts

Delight in the Details

Tour This Community

Cain

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Frankford

Tour This Community

Hathaway

Tour This Community

Bellview

Site Plan

Explore the Possibilities