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

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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 July 31, 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 island 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 residence welcomes homeowners into its generous two-story foyer and through an enticing passage to the great room, casual dining area, and lanai. This 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. Upstairs, find luxury in the seclusion of your primary bedroom suite complete with a walk-in closet and private bath featuring dual sinks and a dedicated water closet. Secondary bedrooms are equally inviting alongside an additional loft space suitable for relaxation or entertainment alike while easy access laundry facilities present convenience on this same level.

Coastal

Cottage

Farmhouse

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Cain

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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.

Frankford

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 three thousand square feet. With its welcoming foyer leading into the spacious great room, open dining area, and well-equipped kitchen with large center island for gathering around - it is easy to see why this layout is so popular among homeowners today. On the main floor also resides the primary suite featuring dual sinks in the bathroom along with a luxurious shower along with a generous walk-in closet for ample storage space making this suite truly serene. Further exploration reveals two additional bedrooms providing comfort and convenience at every turn. Rounding up this impeccable design are practical elements like first-floor laundry facilities and plenty of outdoor living space at the covered lanai.

Hathaway

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 breakfast bar that opens into an airy great room, perfectly suited for entertaining or relaxed evenings at home. Adjoining the kitchen and great room is a casual dining area central to both spaces, making entertaining an ease. A private primary suite promises tranquility, complete with dual sinks in the primary bath, separate water closet, and sizable walk-in closet. Added conveniences include 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 spacious flex spaces

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

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 in Panama City Beach, FL, ranging from 1,644–2,348 square feet. Situated in a gated community 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 of the luxury 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

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Hathaway

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Bellview

Site Plan

Explore the Possibilities