Breakwater at Ward Creek Homes for Sale

Living in Breakwater at Ward Creek

The Breakwater at Ward Creek name drew eight active and 61 sold homes in a Panama City Beach listing search on September 24, 2026, with closings between December 4, 2024 and August 24, 2026. That reading belongs to one day and does not show what is for sale today.

Searching the owner field for Breakwater at Ward Creek HOA turns up two parcels, both coded residential common area: 32717-275-284, labeled Shoal Landing, and 32717-250-226 at 335 Breakwater Boulevard. The county draws the first in eight separate pieces and the second in two, which is why a raw search returns ten rows for two parcels.

Each parcel number belongs to a larger numbered series. Series 32717-275 lists 142 parcels, 141 of them coded vacant and 128 owned by Toll Southeast Inc. Series 32717-250 lists 113 parcels, with 54 coded single family, 56 vacant and 51 owned by the same company. Together that is 179 of 255 parcels in one owner's name. A series is a county numbering group, so treat it as a pointer rather than a boundary, and note that a vacant code can lag construction.

Neither HOA parcel is inside a city: the county's boundary map lists both as unincorporated Bay County, and the Census place list has none at either. FEMA's current flood map places about three quarters of each parcel in Zone A, a flood hazard area where no base flood elevation has been published, and the rest in Zone X. These are the HOA's common parcels, so they do not show the zone of any lot or home, which needs its own address check.

Nothing in the county fields answers what the association requires of owners, what dues or amenities exist, what status the roads have, or whether renting is permitted.