Photos
- 1–3 Bedrooms
- $1,182-$1,684Pricing
- 700–1,300Square Feet
About Turtle Lake
Discover Turtle Lake Apartments in Panama City, FL just steps from Gulf Coast State College and FSU Panama City! Our budget-friendly community offers studio, one, two, and three-bedroom apartments with modern layouts and private patios or balconies. Enjoy resort-style amenities, including a pool, fitness center, and fishing lake. Perfect for students and professionals alike schedule a tour today!
Turtle Lake is located in the 32405 Zip code of Panama City, FL. This community is professionally managed by Dial Equities, a NE Corp d/b/a Haley Residential
Unique Features and Amenities
- 24 Hour Emergency Maintenance
- Boat/RV Parking Area
- Breakfast bar
- Fishing lake
- Large Walk-In Closets*
- Online Payments Available
- Patio Or Balcony
- Upgraded 1 Bedroom*
- Upgraded 2 Bedroom*
- Upgraded 3 Bedroom*
- Washer/Dryer Connections*
Property Contact Info
Floorplan Pricing and Availability
Turtle Lake offers 1 to 3 Bedroom apartments starting from $1,182 and having 700–1,300 sq ft. Here is the current pricing and availability:
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Floorplan A1
From $1,182
1 Bed, 1 Bath, 700 sq ftAvailable Oct 5Model Gallery
Floorplans
Availability Details
Price Availability Date Unit Sq Ft View Details $1,182 October 5, 2025 N251 700 $1,187 October 18, 2025 N151 700 Model Amenities and Features
Kitchen
- Dishwasher
Model Rent and Fees
Model Price Range
- $1,182 - $1,187
Unit N251 Amenities and Features
Kitchen
- Dishwasher
Unit N251 Rent and Fees
Unit Price
- $1,182
Model Rent and Fees
Model Price Range
- $1,182 - $1,187
Unit N151 Amenities and Features
Kitchen
- Dishwasher
Unit N151 Rent and Fees
Unit Price
- $1,187
Model Rent and Fees
Model Price Range
- $1,182 - $1,187
Apartment Model: A1From $1,1821 Bedroom, 1 Bath, 700 sq ftAvailable October 5, 2025![]()
A1 - Floorplan 1 Apartment Unit: N251Apartment Model: A1$1,1821 Bedroom, 1 Bath, 700 sq ftAvailable October 5, 2025Apartment Unit: N151Apartment Model: A1$1,1871 Bedroom, 1 Bath, 700 sq ftAvailable October 18, 20252 Bedrooms
Show Unavailable FloorplansFloorplan B3
From $1,302
2 Beds, 2 Baths, 1000 sq ftAvailable NowCheapest 2 BedroomThis is the cheapest 2 Bedroom at this PropertyModel Gallery
Floorplans
Availability Details
Price Availability Date Unit Sq Ft $1,302 Available Now S274 1000 $1,347 Available Now D226 1000 $1,381 October 11, 2025 S270 1000 Model Amenities and Features
Features
- Air Conditioning
- Balcony
- Cable Ready
- Ceiling Fans
- Heating
- Storage Space
- Tub/Shower
- Washer/Dryer Hookup
Kitchen
- Dishwasher
- Disposal
- Kitchen
- Oven
- Range
- Refrigerator
Model Rent and Fees
Model Price Range
- $1,302 - $1,410
Current Available Pricing
- $1,302 - $1,381
Unit S274 Rent and Fees
Unit Price
- $1,302
Model Rent and Fees
Model Price Range
- $1,302 - $1,410
Unit D226 Rent and Fees
Unit Price
- $1,347
Model Rent and Fees
Model Price Range
- $1,302 - $1,410
Unit S270 Rent and Fees
Unit Price
- $1,381
Model Rent and Fees
Model Price Range
- $1,302 - $1,410
Apartment Model: B3From $1,3022 Bedroom, 2 Bath, 1000 sq ftAvailable Now![]()
B3 - Floorplan 1 Apartment Unit: S274Apartment Model: B3$1,3022 Bedroom, 2 Bath, 1000 sq ftAvailable NowApartment Unit: D226Apartment Model: B3$1,3472 Bedroom, 2 Bath, 1000 sq ftAvailable NowApartment Unit: S270Apartment Model: B3$1,3812 Bedroom, 2 Bath, 1000 sq ftAvailable October 11, 2025Floorplan B2
From $1,311
2 Beds, 1.5 Baths, 900 sq ftAvailable Sep 18Model Gallery
Floorplans
Availability Details
Price Availability Date Unit Sq Ft $1,311 September 18, 2025 U184 900 Unit U184 Amenities and Features
Kitchen
- Dishwasher
Unit U184 Rent and Fees
Unit Price
- $1,311
Model Rent and Fees
Model Price Range
- $1,311 - $1,315
Apartment Model: B2From $1,3112 Bedroom, 1.5 Bath, 900 sq ftAvailable September 18, 2025![]()
B2 - Floorplan 1 Apartment Unit: U184Apartment Model: B2$1,3112 Bedroom, 1.5 Bath, 900 sq ftAvailable September 18, 2025Floorplan B1
2 Beds, 1.5 Baths, 1000 sq ftModel Gallery
Floorplans
Availability Details
Price Availability Date Unit Sq Ft $1,377 Call for Availability B1 1000 sq ft Model Amenities and Features
Kitchen
- Dishwasher
Model Rent and Fees
Model Price
- $1,377
Apartment Model: B1$1,3772 Bedroom, 1.5 Bath, 1000 sq ftUnavailable![]()
B1 - Floorplan 1 3 Bedrooms
Floorplan C1
$1,609
3 Beds, 2.5 Baths, 1100 sq ftAvailable NowModel Gallery
Floorplans
Availability Details
Price Availability Date Unit Sq Ft View Details $1,609 Available Now G307 1100 $1,609 September 24, 2025 K314 1100 Model Amenities and Features
Kitchen
- Dishwasher
Model Rent and Fees
Model Price
- $1,609
Unit G307 Amenities and Features
Kitchen
- Dishwasher
Unit G307 Rent and Fees
Unit Price
- $1,609
Model Rent and Fees
Price
- $1,609
Unit K314 Amenities and Features
Kitchen
- Dishwasher
Unit K314 Rent and Fees
Unit Price
- $1,609
Model Rent and Fees
Price
- $1,609
Apartment Model: C1$1,6093 Bedroom, 2.5 Bath, 1100 sq ftAvailable Now![]()
C1 - Floorplan 1 Apartment Unit: G307Apartment Model: C1$1,6093 Bedroom, 2.5 Bath, 1100 sq ftAvailable NowApartment Unit: K314Apartment Model: C1$1,6093 Bedroom, 2.5 Bath, 1100 sq ftAvailable September 24, 2025Floorplan C2
$1,684
3 Beds, 2 Baths, 1300 sq ftAvailable NowModel Gallery
Floorplans
Availability Details
Price Availability Date Unit Sq Ft $1,684 Available Now A203 1300 Unit A203 Amenities and Features
Kitchen
- Dishwasher
Unit A203 Rent and Fees
Unit Price
- $1,684
Model Rent and Fees
Price
- $1,684
Apartment Model: C2$1,6843 Bedroom, 2 Bath, 1300 sq ftAvailable Now![]()
C2 - Floorplan 1 Apartment Unit: A203Apartment Model: C2$1,6843 Bedroom, 2 Bath, 1300 sq ftAvailable Now
Price shown is base rent and may not include non-optional fees and utilities. View Fees and Policies for details. Price, availability, fees, and any applicable rent special are subject to change without notice.
Schedule a Tour
Call us at: (850) 818-9419 to schedule a tour.
Matterport 3D Tours
2BR, 2BA - 1,000 SF
2BR, 2BA, 1000SF
2BR, 1.5 BA, 900SF
Property Information
- 200 Units
- 2 Stories
- Built in 1978
- Renovated In Jul 2020
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Fees and Policies
The fees below are based on community-supplied data and may exclude additional fees and utilities.
Other Fees
Personal Add-Ons
- Administrative Fee$100
- Application Fee Per Applicant$50
Pet Policy and Fees
Cats
- 2 Pet Limit
- $10 Monthly Pet Rent
- $300 Fee
We love our furry friends! All fees are per pet. | Restrictions: None
Dogs
- 2 Pet Limit
- $10 Monthly Pet Rent
- $300 Fee
We love our furry friends! All fees are per pet. | Restrictions: None
Parking Info and Fees
- Other
Features and Amenities
On-Site Services
- Car Wash Area
- Online Services
- Renters Insurance Program
- Laundry Facilities
Community Features
- Clubhouse
- Walk Up
Outdoor Features
- Cabana
- Courtyard
- Lake Access
- Patio
Recreation and Fitness
- Fitness Center
- Bicycle Storage
- Playground
- Pool
Interior Features
- Balcony
- Storage Space
- Heating
- Ceiling Fans
- Tub/Shower
- Cable Ready
- Washer/Dryer Hookup
- Air Conditioning
Kitchen Amenities
- Dishwasher
- Range
- Refrigerator
- Oven
- Disposal
- Kitchen
Living Area Features
- Walk In Closets
- Dining Room
- Linen Closet
- Views
- Window Coverings
- Vinyl Flooring
- Carpet
Map
4324 W 20th St, Panama City, FL 32405
- Shopping
- Colleges
- Grocery
- Medical
Map
Hours and Contact Info
Call Us - Open Now!
Currently Closed
By Appointment
| Monday | 8:30 am–5:30 pm |
| Tuesday | 8:30 am–5:30 pm |
| Wednesday | 8:30 am–5:30 pm |
| Thursday | 8:30 am–5:30 pm |
| Friday | 8:30 am–5:30 pm |
| Saturday | Closed |
| Sunday | Closed |
Getting Around
Walk Score®
32 / 100
Car-Dependent
Most errands require a car
Bike Score®
43 / 100
Somewhat Bikeable
Minimal bike infrastructure
Transit Score®
28 / 100
Some Transit
A few nearby public transportation options
What Are Walk Score®, Transit Score®, and Bike Score® Ratings?
- Walk Score® measures the walkability of any address.
- Transit Score® measures access to public transit.
- Bike Score® measures the bikeability of any address.
Frequently Asked Questions about Turtle Lake
Where is Turtle Lake located?
Turtle Lake is located at 4324 W 20th St, Panama City, FL
What is the current rent range at Turtle Lake?
1 Bedroom to 3 Bedroom Apartments at Turtle Lake currently range from $1,182 to $1,684
When is the leasing office open?
- The office Hours for Turtle Lake are
- Monday 8:30 am–5:30 pm
- Tuesday 8:30 am–5:30 pm
- Wednesday 8:30 am–5:30 pm
- Thursday 8:30 am–5:30 pm
- Friday 8:30 am–5:30 pm
- Saturday Closed
- Sunday Closed
Are pets allowed?
Call us today to find out our pet policy and if we allow pets
Lifestyle Ratings
Learn more about Lifestyle SearchRenters Reviews and Ratings
1 2
Showing 1-12 of 15 Reviews
Disaster relief
January 24, 2019Everyone had some degree of suffering during hurricane Michael but turtle lake was very good to us. First and foremost, in the aftermath of the disaster all residents had rent waved for 3 months, because of that we had time to look for new jobs, pay all our overdue bills and we were able to do Christmas which was a HUGE blessing. Second, the staff has always been nothing but kind and understanding and bend over backwards to meet any requests we have. Unfortunately, maintenance is very ...understaffed but such can't be helped considering the situation and isn't permanent and will be remedied with due time. Even considering such they work as fast as possible. lastly, the community and residents mostly keep to themselves and are quiet. The only negative thing I can say about turtle lake is the pest control company they hire (Brock) isn't worth the spare change I'm required to throw their way every month. I was also sad to see all the beautiful trees that survived get cut down. This was the first apartment my boyfriend and I have ever lived in together but we were well taken care of. I can only hope that our next apartment complex out of state will be even half as good. And I can assure you that once all the repairs are done they are going to be beautiful.Property Manager Responded
February 1, 2019Dear Anonymous, We appreciate your feedback! The devastation caused by Hurricane Michael has been extremely difficult for everyone in our area. We are glad that we could help our residents when they needed it the most. We will continue to make the needed repairs to our community and are looking for additional staffing in our maintenance department. We will share the thoughts about the pest control service to see where we can make improvements. Thank you again for sharing your thoughts. Let us know if your plans change and you decide to relocate to Panama City in the future. We would love to have you back with us. Sincerely, Shalonda Community Manager
Read MoreReview from Apartments.com
ROACHES!! ROACHES!!
February 6, 2018I have been dealing with an ongoing roach problem for over 8 months now which the management has been informed ever since July of 2017 it's now February of 2018 and the management refuses to do anything about this. The first year no signs of any roaches when I got new neighbors the issue began and it has yet to be resolved.Review from Apartments.com
Worst place to live
May 4, 2017The staff will tell change paperwork on you without telling you and put you in a different apartment than the one they say they show you, but by then you've already signed your lease. Very very sneaky company. It has changed ownership at least twice since I have lived here in 1 year. There are raccoons in the dumpsters at night, ducks poop on your porch, there is trash left out everywhere. Not a clean environment. They just want you to sign that lease. I highly DO NOT recommend. Good luck.Review from Apartments.com
Great Space, Quiet and I Love the Staff
June 23, 2016I moved here about a year ago and have really enjoyed it here. The apartment is beautiful and I love the location. It's in the city and close to everything but doesn't have that busy, "city" vibe. The ladies in the office are great and always willing to help and the maintenance staff are friendly and take care of my work orders very quickly. I also really like that I can pay my rent and put maintenance requests in online. I pay all my other bills online and here I can even pay my rent online. All ...around it's a great place to live! I love it here!!!Read MoreReview from Apartments.com
Not a bad place overall
August 4, 2015I have lived here at Turtle Lake Apartments for over a year now for school. For being nearly directly across the street from Gulf Coast State College, the rent is reasonable. The 2B2B is spacious and well laid out. The walkway in front of the apartments of building D does tend to flood during really rainy days, but it doesn't stand for more than a few hours. Maintenance issues are resolved within the hour usually, the the maintenance guys here are AReview from Apartments.com
Another year renewed
February 15, 2014I've lived here since November 2012. The office staff is super sweet and helpful. I feel safe living here, and have had little to no issues whatsoever. I can honestly say that for the affordable price, this is the best apartment community I've lived in. Everyone is very nice and helpful, and it's super convenient living here because of it's location.Review from Apartments.com
Awesome place to live!
June 26, 2014All of the residents here are so friendly. We are like a big family. The pool is amazing and it over looks the lake. If there is ever a maintenance issue, they come immediately to address it. Rent is reasonable. It is a quiet community. And we r getting a brand new custom built playground. We just renewed our lease for another year because we love it so much!Review from Apartments.com
I love living here, wouldnt live anywhere else!!
June 10, 2014I moved here about three years ago, and I never plan on leaving! Turtle lake gives you good value for the price. My grandchildren are able to go to the newly built playground, and enjoy the large pool. I think they love the amenities more than there own home. They host great socializing parties and holiday events such as Easter, where I can meet my neighbors and new people. Thank you turtle lake for providing me a great place to live at a great price!Review from Apartments.com
A very good community to live at.
December 5, 2013I have lived at Turtle Lake apartments in Panama city Florida for over 3 years and I can say that they have come a long way in improving the living standards of theis apartment complex coupled with a new management team which strives to satiisfy its tenants to the fullest.Review from Apartments.com
life is great at turtle lake!
July 9, 2014My fiance and I Have lived in turtle lake for almost three years and are not planning on moving any time soon. The staff of the complex are friendly prompt and professional. The grounds and pool are always kept neat and well manicured. Overall a wonderful place to live and call home.Review from Apartments.com
I love this apartment!
April 8, 2014This is the best, it's the most amazing experience for your family. It's very peaceful and calm. Very nice settings, I love everything about Turtle Lake! Can't wait to become apart of the community!Review from Apartments.com
Turtle Lake
November 13, 2014Nice complex but does need some updating to impose rent increases.Overall I am happy with the complex.Review from Apartments.com
Nearby Schools
Bay High School
Bay
1200 Harrison Avenue
Public School - Grades 9-12 (1255 Students)
In Attendance Zone7 minute drive / 3.6 miles away
Lucille Moore Elementary School
Bay
1900 Michigan Avenue
Public School - Grades PK-5 (503 Students)
In Attendance Zone2 minute drive / 0.7 miles away
Jinks Middle School
Bay
600 West 11th Street
Public School - Grades 6-8 (570 Students)
In Attendance Zone6 minute drive / 3.2 miles away
School data provided by GreatSchools.
details
The GreatSchools Rating helps parents compare schools within a state based on a variety of school quality indicators and provides a helpful picture of how effectively each school serves all of its students. Ratings are on scale of 1 (below average) and to 10 (above average) and can include test scores, college readiness, academic progress, advanced courses, equity, discipline and attendance data. We also advise parents to visit schools, consider other information on school performance and programs, and consider needs as part of the school selection process.
About GreatSchools Data on ApartmentHomeLiving.com.
About GreatSchools Data on ApartmentHomeLiving.com.
Points of Interest
Time and distance from Turtle Lake.
Big Box and Retail
Publix
3204 Heartleaf Ave E
6 minute drive / 2.98 miles away
Target
2340 Martin Luther King Jr Blvd
9 minute drive / 4.26 miles away
Kohl's
2610 Martin Luther King Jr Blvd
9 minute drive / 4.26 miles away
Colleges and Universities
Groceries
Publix
3204 Heartleaf Ave E
6 minute drive / 2.98 miles away
Save-A-Lot
902 Ohio Ave
12 minute drive / 5.66 miles away
Hospitals
Military Bases
Naval Coastal Systems Center
4 minute drive / 2.24 miles away
Shopping Centers
Turtle Lake has 5 shopping centers within 1.5 miles.
Nearby Neighborhoods
Rental Price Ranges in the Area
| Bedroom | Average Rent | Cheapest Rent | Highest Rent |
|---|---|---|---|
| Panama City Studio Apartments | $989 | $895 | $1,200 |
| Panama City 1 Bedroom Apartments | $1,417 | $895 | $3,450 |
| Panama City 2 Bedroom Apartments | $1,592 | $975 | $2,288 |
| Panama City 3 Bedroom Apartments | $1,969 | $1,095 | $2,850 |
| Panama City 4 Bedroom Apartments | $2,243 | $1,400 | $3,400 |
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By Amenities
Viewing: Turtle Lake | Desktop Version | Listing Updated: 09/16/2025 | AHLGLD