Turtle Lake Apartments in Panama City, FL

Q: 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,

Contact

Turtle Lake

4324 W 20th St
Panama City, FL 32405
(850) 818-9419

1–3 Bedrooms
$1,305-$1,735 Pricing
700–1,300 Square Feet

About Turtle Lake

Welcome to Turtle Lake Apartments in Panama City, FL - a welcoming community offering spacious one, two, and three-bedroom homes designed for comfort and convenience. Whether you're a student, military personnel, or working professional, Turtle Lake delivers value-packed living in a serene, well-connected neighborhood. Quick access to Highway 98 puts you close to everything Panama City has to offer - from local dining and shopping to top employers and recreational spots. Come home to Turtle Lake Apartments and experience a community built around your lifestyle.

Turtle Lake is located in the 32405 Zip code of Panama City, FL. This community is professionally managed by Haley Residential

Unique Features and Amenities

Bike Storage
Black Appliances
Boat/rv Parking
Breakfast Bar
Catch & Release Fishing Lake
Other
Private Entrance
Vinyl Plank Flooring

See All Amenities

Property Contact Info

Listed by:
Agency:
Vendor Logo:
Website:: View Property Website
Call Us:: (850) 818-9419
Disclaimer:

Ask About Our Move-In Specials

Office Hours

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

Floorplan Pricing and Availability

Turtle Lake offers 1 to 3 Bedroom apartments starting from $1,305 and having 700–1,300 sq ft. Here is the current pricing and availability:

Cost CalculatorEstimate your monthly and one-time fees

1 Bedrooms
2 Bedrooms
3 Bedrooms

1 Bedroom
The Seabreeze
1 Bed, 1 Bath, 700 sq ft
Model Gallery
Floorplans
Availability Details
Availability Date Unit Sq Ft Deposit
Call for Availability The Seabreeze 700 sq ft $500
Model Amenities and Features
Features
Air Conditioning
Balcony
Ceiling Fans
Washer/Dryer Hookup
Kitchen
Dishwasher
Disposal
Ice Maker
Microwave
Refrigerator
Living Space
Walk-In Closets
Window Coverings
Unique Features
Black Appliances
Boat/RV Parking
Breakfast Bar
Other
Private Entrance
Vinyl Plank Flooring
Model Rent and Fees
Deposit
$500 deposit
Apartment Model: The SeabreezeCall For Rates1 Bedroom, 1 Bath, 700 sq ftUnavailable
The Seabreeze - Floorplan

Availability Date	Unit	Sq Ft	Deposit
Call for Availability	The Seabreeze	700 sq ft	$500

The Lakeview

From $1,345

2 Beds, 2 Baths, 1000 sq ft

Available Now

Model Gallery

Floorplans

Availability Details

Price	Availability Date	Unit	Sq Ft	Deposit	View Details
$1,345	Available Now	S-S273	1000	$500	View Details Below
$1,355	September 26, 2026	S-S276	1000	$500	View Details Below
$1,370	September 30, 2026	D-D124	1000	$500	View Details Below

Model Amenities and Features

Features

Air Conditioning
Balcony
Ceiling Fans
Washer/Dryer Hookup

Kitchen

Dishwasher
Disposal
Ice Maker
Microwave
Refrigerator

Living Space

Walk-In Closets
Window Coverings

Unique Features

Black Appliances
Boat/RV Parking
Breakfast Bar
Other
Private Entrance
Vinyl Plank Flooring

Model Rent and Fees

Model Price Range

$1,345 - $1,480

Current Available Pricing

$1,345 - $1,470

Deposit

$500 deposit

Unit S-S273 Amenities and Features

Features

Air Conditioning
Balcony
Ceiling Fans
Washer/Dryer Hookup

Kitchen

Dishwasher
Disposal
Ice Maker
Microwave
Refrigerator

Living Space

Walk-In Closets
Window Coverings

Unique Features

Black Appliances
Boat/RV Parking
Breakfast Bar
Other
Private Entrance
Vinyl Plank Flooring

Unit S-S273 Rent and Fees

Unit Price

From $1,345

View Details and Rent Estimate

Deposit

$500 deposit

Model Rent and Fees

Model Price Range

$1,345 - $1,480

Unit S-S276 Amenities and Features

Features

Air Conditioning
Balcony
Ceiling Fans
Washer/Dryer Hookup

Kitchen

Dishwasher
Disposal
Ice Maker
Microwave
Refrigerator

Living Space

Walk-In Closets
Window Coverings

Unique Features

Black Appliances
Boat/RV Parking
Breakfast Bar
Other
Private Entrance
Vinyl Plank Flooring

Unit S-S276 Rent and Fees

Unit Price

From $1,355

View Details and Rent Estimate

Deposit

$500 deposit

Model Rent and Fees

Model Price Range

$1,345 - $1,480

Unit D-D124 Amenities and Features

Features

Air Conditioning
Balcony
Ceiling Fans
Washer/Dryer Hookup

Kitchen

Dishwasher
Disposal
Ice Maker
Microwave
Refrigerator

Living Space

Walk-In Closets
Window Coverings

Unique Features

Black Appliances
Boat/RV Parking
Breakfast Bar
Other
Private Entrance
Vinyl Plank Flooring

Unit D-D124 Rent and Fees

Unit Price

From $1,370

View Details and Rent Estimate

Deposit

$500 deposit

Model Rent and Fees

Model Price Range

$1,345 - $1,480

The Sunset

From $1,305

2 Beds, 1.5 Baths, 900 sq ft

Available Sep 19

Cheapest 2 BedroomThis is the cheapest 2 Bedroom at this Property

Model Gallery

Floorplans

Availability Details

Price	Availability Date	Unit	Sq Ft	Deposit	Property Map
$1,305	September 19, 2026	Q-Q266	900	$500

Unit Q-Q266 Amenities and Features

Features

Air Conditioning
Balcony
Ceiling Fans
Washer/Dryer Hookup

Kitchen

Dishwasher
Disposal
Ice Maker
Microwave
Refrigerator

Living Space

Walk-In Closets
Window Coverings

Unique Features

Black Appliances
Boat/RV Parking
Breakfast Bar
Other
Private Entrance
Vinyl Plank Flooring

Unit Q-Q266 Rent and Fees

Unit Price

From $1,305

View Details and Rent Estimate

Deposit

$500 deposit

Model Rent and Fees

Model Price Range

$1,305 - $1,405

The Retreat

2 Beds, 1.5 Baths, 1000 sq ft

Model Gallery

Floorplans

Availability Details

Availability Date	Unit	Sq Ft	Deposit
Call for Availability	The Retreat	1000 sq ft	$500

Model Amenities and Features

Features

Air Conditioning
Balcony
Ceiling Fans
Washer/Dryer Hookup

Kitchen

Dishwasher
Disposal
Ice Maker
Microwave
Refrigerator

Living Space

Walk-In Closets
Window Coverings

Unique Features

Black Appliances
Boat/RV Parking
Breakfast Bar
Other
Private Entrance
Vinyl Plank Flooring

Model Rent and Fees

Deposit

$500 deposit

Show Unavailable Floorplans

The Palm

From $1,605

3 Beds, 2 Baths, 1300 sq ft

Available Nov 3

Model Gallery

Floorplans

Availability Details

Price	Availability Date	Unit	Sq Ft	Deposit	View Details
$1,635	November 3, 2026	E-E229	1300	$500	View Details Below
$1,605	November 3, 2026	M-M242	1300	$500	View Details Below
$1,605	November 3, 2026	M-M243	1300	$500	View Details Below

Model Amenities and Features

Features

Air Conditioning
Balcony
Ceiling Fans
Washer/Dryer Hookup

Kitchen

Dishwasher
Disposal
Ice Maker
Microwave
Refrigerator

Living Space

Walk-In Closets
Window Coverings

Unique Features

Black Appliances
Boat/RV Parking
Breakfast Bar
Other
Private Entrance
Vinyl Plank Flooring

Model Rent and Fees

Model Price Range

$1,605 - $1,735

Deposit

$500 deposit

Unit E-E229 Amenities and Features

Features

Air Conditioning
Balcony
Ceiling Fans
Washer/Dryer Hookup

Kitchen

Dishwasher
Disposal
Ice Maker
Microwave
Refrigerator

Living Space

Walk-In Closets
Window Coverings

Unique Features

Black Appliances
Boat/RV Parking
Breakfast Bar
Other
Private Entrance
Vinyl Plank Flooring

Unit E-E229 Rent and Fees

Unit Price

From $1,635

View Details and Rent Estimate

Deposit

$500 deposit

Model Rent and Fees

Model Price Range

$1,605 - $1,735

Unit M-M242 Amenities and Features

Features

Air Conditioning
Balcony
Ceiling Fans
Washer/Dryer Hookup

Kitchen

Dishwasher
Disposal
Ice Maker
Microwave
Refrigerator

Living Space

Walk-In Closets
Window Coverings

Unique Features

Black Appliances
Boat/RV Parking
Breakfast Bar
Other
Private Entrance
Vinyl Plank Flooring

Unit M-M242 Rent and Fees

Unit Price

From $1,605

View Details and Rent Estimate

Deposit

$500 deposit

Model Rent and Fees

Model Price Range

$1,605 - $1,735

Unit M-M243 Amenities and Features

Features

Air Conditioning
Balcony
Ceiling Fans
Washer/Dryer Hookup

Kitchen

Dishwasher
Disposal
Ice Maker
Microwave
Refrigerator

Living Space

Walk-In Closets
Window Coverings

Unique Features

Black Appliances
Boat/RV Parking
Breakfast Bar
Other
Private Entrance
Vinyl Plank Flooring

Unit M-M243 Rent and Fees

Unit Price

From $1,605

View Details and Rent Estimate

Deposit

$500 deposit

Model Rent and Fees

Model Price Range

$1,605 - $1,735

The Bayview

3 Beds, 2.5 Baths, 1100 sq ft

Model Gallery

Floorplans

Availability Details

Availability Date	Unit	Sq Ft	Deposit
Call for Availability	The Bayview	1100 sq ft	$500

Model Amenities and Features

Features

Air Conditioning
Balcony
Ceiling Fans
Washer/Dryer Hookup

Kitchen

Dishwasher
Disposal
Ice Maker
Microwave
Refrigerator

Living Space

Walk-In Closets
Window Coverings

Unique Features

Black Appliances
Boat/RV Parking
Breakfast Bar
Other
Private Entrance
Vinyl Plank Flooring

Model Rent and Fees

Deposit

$500 deposit

Show Unavailable Floorplans

Price shown is base rent. Excludes user-selected optional fees and variable or usage-based fees and required charges due at or prior to move-in or at move-out. View Fees and Policies for details. Price, availability, fees, and any applicable rent special are subject to change without notice.

Schedule a Tour

Request Tour

Call us at: (850) 818-9419 to request a tour.

3D Tours

2BR, 2BA - 1,000 SF

2BR, 2BA, 1000SF

2BR, 1.5 BA, 900SF

The Sunset - 2BR, 1.5 BA, 900SF

Property Information

Renovated In Jul 2020
200 Units
2 Stories
Built in 1978

Lease Terms

6, 12 mo

Ask About Our Lease Terms

Fees and Policies

The fees listed below are community-provided and may exclude utilities or add-ons. All payments are made directly to the property and are non-refundable unless otherwise specified. Use the Cost Calculator to determine costs based on your needs.

Ask About Our Fees

Other Fees and Policies

Pet Fees

Cat: Pet Fees & ChargesiMax of 2. Charged Per Pet.$300.00; Pet RentiMax of 2. Charged Per Pet.$10.00/mo
Dog: Pet Fees & ChargesiMax of 2. Charged Per Pet.$300.00; Pet RentiMax of 2. Charged Per Pet.$10.00/mo

Find Out About Our Pet Policy

Property Fee Disclaimer: Based on community-supplied data and independent market research. Subject to change without notice. May exclude fees for mandatory or optional services and usage-based utilities.

Features and Amenities

Unique Amenities

Bike Storage
Black Appliances
Boat/rv Parking
Breakfast Bar
Catch & Release Fishing Lake
Other
Private Entrance
Vinyl Plank Flooring

On-Site Services

Package Service
Laundry Facilities

Outdoor Features

Lake Access

Recreation and Fitness

Bicycle Storage
Playground
Pool

Interior Features

Balcony
Tub/Shower
Heating
Ceiling Fans
Washer/Dryer Hookup
Air Conditioning

Kitchen Amenities

Dishwasher
Microwave
Range
Refrigerator
Oven
Disposal
Freezer
Ice Maker
Kitchen

Living Area Features

Walk In Closets
Vinyl Flooring
Carpet
Window Coverings

Ask About Our Amenities

Getting Around

40 / 100 Fairly walkable
Some day-to-day needs are within walking distance
30 / 100 Limited public transit
Transit is available for some trips
30 / 100 Somewhat Bikeable
Not very suitable for bicycle commuting and/or recreation
80 / 100 Very car friendly
Excellent access to freeways and/or major arteries, with a very low chance of parking problems

Scores provided by

details

Getting to Know the Area

40 / 100 Restaurants
Some restaurants within a few minutes
30 / 100 Cafes
Some cafés within walking distance
50 / 100 Nightlife
Some bars within walking distance
40 / 100 Shopping
Several shops within walking distance
80 / 100 Noise Level
Very few sources of noise nearby

Scores provided by

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 $1,305 to $1,735

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

Affordability 3.2
The Affordability rating shows you how this community's most affordable floorplan pricing relates to the local average.
Active Lifestyle 3.0
From fitness centers to pools to putting greens, Active Lifestyle apartments feature local listings with the most amenities that support an always active lifestyle.
Rating Factors
This 3.0-star Active Lifestyle rating is based on the following features:
- Lake Access
- Bicycle Storage
- Swimming Pool(s)
- Playground(s)

Learn more about Lifestyle Search

Renters Reviews and Ratings

4.0

15 Renters Reviews

Sort by

Showing 1-12 of 15 Reviews

Disaster relief

January 24, 2019 - Review from Apartments.com

Everyone 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, 2019

Dear 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

ROACHES!! ROACHES!!

February 6, 2018 - Review from Apartments.com

I 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.

Worst place to live

May 4, 2017 - Review from Apartments.com

The 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.

Great Space, Quiet and I Love the Staff

June 23, 2016 - Review from Apartments.com

I 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!!!

Not a bad place overall

August 4, 2015 - Review from Apartments.com

I 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 A

Another year renewed

February 15, 2014 - Review from Apartments.com

I'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.

Awesome place to live!

June 26, 2014 - Review from Apartments.com

All 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!

I love living here, wouldnt live anywhere else!!

June 10, 2014 - Review from Apartments.com

I 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!

A very good community to live at.

December 5, 2013 - Review from Apartments.com

I 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.

life is great at turtle lake!

July 9, 2014 - Review from Apartments.com

My 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.

I love this apartment!

April 8, 2014 - Review from Apartments.com

This 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!

Turtle Lake

November 13, 2014 - Review from Apartments.com

Nice complex but does need some updating to impose rent increases.Overall I am happy with the complex.

Nearby Schools

Lucille Moore Elementary School

Bay

1900 Michigan Avenue

Public School - Grades PK-5 (525 Students)

In Attendance Zone2 minute drive / 0.7 miles away

Jinks Middle School

Bay

600 West 11th Street

Public School - Grades 6-8 (516 Students)

In Attendance Zone6 minute drive / 3.2 miles away

Bay High School

Bay

1200 Harrison Avenue

Public School - Grades 9-12 (1337 Students)

In Attendance Zone7 minute drive / 3.6 miles away

School data provided by GreatSchools.

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

Gulf Coast State College - Panama City Campus

5230 West Highway 98

1 minute drive / 0.44 miles away

Gulf Coast State College - North Bay Center

637 Highway 2300

18 minute drive / 8.44 miles away

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

Military Bases

Naval Coastal Systems Center

4 minute drive / 2.24 miles away

Turtle Lake has 5 shopping centers within 1.5 miles.

Nearby Neighborhoods

Pretty Bayou

1 to 4 Bedroom Apartments from $1,037

View Rentals

SweetBay

Studio to 4 Bedroom Apartments from $895

View Rentals

Rental Price Ranges in the Area

Bedroom	Average Rent	Cheapest Rent	Highest Rent
Panama City Studio Apartments	$1,046	$895	$1,450
Panama City 1 Bedroom Apartments	$1,398	$900	$3,210
Panama City 2 Bedroom Apartments	$1,680	$950	$8,140
Panama City 3 Bedroom Apartments	$2,022	$1,000	$8,400
Panama City 4 Bedroom Apartments	$3,770	$1,295	$10,000+
2 Bedroom Homes	$1,461	$950	$2,700
3 Bedroom Homes	$2,078	$1,100	$4,500
4 Bedroom Homes	$2,552	$1,800	$8,000
5 Bedroom Homes	$2,748	$2,250	$3,550
6 Bedroom Homes	$9,500	$9,500	$9,500

Turtle Lake Apartments

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Contact

Turtle Lake

About Turtle Lake

Unique Features and Amenities

Property Contact Info

Office Hours

Floorplan Pricing and Availability

New! Interactive Property Map

1 Bedroom

The Seabreeze

Model Gallery

Floorplans

Availability Details

Model Amenities and Features

Features

Kitchen

Living Space

Unique Features

Model Rent and Fees

Deposit

2 Bedrooms

The Lakeview

From $1,345

Model Gallery

Floorplans

Availability Details

Model Amenities and Features

Features

Kitchen

Living Space

Unique Features

Model Rent and Fees

Model Price Range

Current Available Pricing

Deposit

Unit S-S273 Gallery

Property Map

Unit S-S273 Amenities and Features

Features

Kitchen

Living Space

Unique Features

Unit S-S273 Rent and Fees

Unit Price

Deposit

Model Rent and Fees

Model Price Range

Unit S-S276 Gallery

Property Map

Unit S-S276 Amenities and Features

Features

Kitchen

Living Space

Unique Features

Unit S-S276 Rent and Fees

Unit Price

Deposit

Model Rent and Fees

Model Price Range

Unit D-D124 Gallery

Property Map

Unit D-D124 Amenities and Features

Features

Kitchen

Living Space

Unique Features

Unit D-D124 Rent and Fees

Unit Price

Deposit

Model Rent and Fees

Model Price Range

The Sunset

From $1,305

Model Gallery

Floorplans

Availability Details

Unit Q-Q266 Gallery

Property Map