Turtle Cove Homes for Sale

Living in Turtle Cove

Turtle Cove at Lake Powell is recorded as two plats in Bay County: the original in Plat Book 20, page 45 and Phase 2 in Plat Book 24, page 55. The county draws the original as one outline of about 23.2 acres with a 5.6 acre opening, and Phase 2 fills that opening, so the two never overlap and together cover about 23.2 acres. The tax roll files 65 parcels under the original name and 43 under Phase 2, all in ZIP 32413 on a street also called Turtle Cove, on Terrapin Way in Phase 2 and on Terrapin Close in the original. On the county's municipal boundary layer, both plats lie wholly inside the City of Panama City Beach rather than in unincorporated Bay County.

Of the 108 parcels, 99 carry a single family code, six are coded vacant, two are coded residential common area and one is a city-owned parcel. On the roll, 65 of the 99 homes were built in 2011, 2012 or 2013, including all 42 in Phase 2, and the others date from 2006 to 2023. Roll living area runs from about 1,440 to 4,330 square feet with a median near 2,110. On September 24, 2026 a saved listing search for the name showed 3 active and 42 sold homes, with closings from January 11, 2016 to April 20, 2026; it describes a decade of the market and not what is for sale today.

One row of lots is unlike the rest. The 14 parcels addressed 302 through 330 Turtle Cove, even numbers only, run along the mapped edge of Lake Powell: 11 sit within about 6 feet of the federal hydrography outline of the lake and the other 3 within about 150 feet, while no other home or vacant lot comes closer than about 160 feet. Their lots mostly run 8,600 to 11,100 square feet, with one at 19,600, against a median near 4,050 for the other homes on the plat. Eight of the 14 carry homes, six built in 2011 and two in 2023, and all six vacant lots on the plat are in this row. FEMA's national flood map shows Zone AE at a 10 foot base flood elevation across it, covering roughly 38 to 74 percent of each of the 14 parcels, and the remaining lots test as Zone X.

Filed December 17, 2004 and listed as active today, Turtle Cove at Lake Powell Homeowners' Association, Inc. (document N04000011810) has annual reports on file for every year from 2012 through 2026, and the last event on its record is a cancelled administrative dissolution dated September 28, 2005. Its registered principal address is 300 Turtle Cove. The tax roll lists two parcels coded residential common area with the plat's name as owner: 36068-171-000 in the original plat and 36068-175-430 in Phase 2. The registry shows that the corporation exists. It does not publish dues, rules, rental limits or who may use what, so ask for the declaration, current budget and rules for the address before relying on any of them.