




- 1–3 Bedrooms
- $1,170-$1,730 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
Property Contact Info

- Listed by:
- Agency:
- Vendor Logo:
- Website:
- View Property Website
- Call Us:
- (850) 818-9419
- Disclaimer:
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 $1,170 and having 700–1,300 sq ft. Here is the current pricing and availability:
New! Interactive Property Map
1 Bedroom
The Seabreeze
From $1,170
1 Bed, 1 Bath, 700 sq ftAvailable Sep 9Model Gallery
Floorplans
Availability Details
Price Availability Date Unit Sq Ft Deposit View Details $1,170 September 9, 2026 P-P158 700 $500 $1,170 September 15, 2026 P-P159 700 $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
Model Price Range
- $1,170 - $1,270
Deposit
- $500 deposit
Unit P-P158 Amenities and Features
Features
- Air Conditioning
- Balcony
- Ceiling Fans
- Washer/Dryer Hookup
Kitchen
- Dishwasher
- Disposal
- Ice Maker
- Microwave
- Refrigerator
Kitchen Space
- Breakfast Bar
Living Space
- Walk-In Closets
- Window Coverings
Unique Features
- Black Appliances
- Boat/RV Parking
- Other
- Private Entrance
- Vinyl Plank Flooring
Unit P-P158 Rent and Fees
Unit Price
- From $1,170
View Details and Rent EstimateDeposit
- $500 deposit
Model Rent and Fees
Model Price Range
- $1,170 - $1,270
Unit P-P159 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 P-P159 Rent and Fees
Unit Price
- From $1,170
View Details and Rent EstimateDeposit
- $500 deposit
Model Rent and Fees
Model Price Range
- $1,170 - $1,270
Apartment Model: The SeabreezeFrom $1,1701 Bedroom, 1 Bath, 700 sq ftAvailable September 9, 2026![]()
The Seabreeze - Floorplan Apartment Unit: P-P158Apartment Model: The SeabreezeFrom $1,1701 Bedroom, 1 Bath, 700 sq ftAvailable September 9, 2026Apartment Unit: P-P159Apartment Model: The SeabreezeFrom $1,1701 Bedroom, 1 Bath, 700 sq ftAvailable September 15, 20262 Bedrooms
Show Unavailable FloorplansThe Sunset
From $1,305
2 Beds, 1.5 Baths, 900 sq ftAvailable NowCheapest 2 BedroomThis is the cheapest 2 Bedroom at this PropertyModel Gallery
Floorplans
Availability Details
Price Availability Date Unit Sq Ft Deposit View Details $1,340 Available Now U-U183 900 $500 $1,305 August 19, 2026 U-U278 900 $500 $1,315 August 28, 2026 U-U283 900 $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
Model Price Range
- $1,305 - $1,440
Deposit
- $500 deposit
Unit U-U183 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 U-U183 Rent and Fees
Unit Price
- From $1,340
View Details and Rent EstimateDeposit
- $500 deposit
Model Rent and Fees
Model Price Range
- $1,305 - $1,440
Unit U-U278 Amenities and Features
Features
- Air Conditioning
- Balcony
- Ceiling Fans
- Washer/Dryer Hookup
Kitchen
- Dishwasher
- Disposal
- Ice Maker
- Microwave
- Refrigerator
Kitchen Space
- Breakfast Bar
Living Space
- Walk-In Closets
- Window Coverings
Unique Features
- Black Appliances
- Boat/RV Parking
- Other
- Private Entrance
- Vinyl Plank Flooring
Unit U-U278 Rent and Fees
Unit Price
- From $1,305
View Details and Rent EstimateDeposit
- $500 deposit
Model Rent and Fees
Model Price Range
- $1,305 - $1,440
Unit U-U283 Amenities and Features
Features
- Air Conditioning
- Balcony
- Ceiling Fans
- Washer/Dryer Hookup
Kitchen
- Dishwasher
- Disposal
- Ice Maker
- Microwave
- Refrigerator
Kitchen Space
- Breakfast Bar
Living Space
- Walk-In Closets
- Window Coverings
Unique Features
- Black Appliances
- Boat/RV Parking
- Other
- Private Entrance
- Vinyl Plank Flooring
Unit U-U283 Rent and Fees
Unit Price
- From $1,315
View Details and Rent EstimateDeposit
- $500 deposit
Model Rent and Fees
Model Price Range
- $1,305 - $1,440
Apartment Model: The SunsetFrom $1,3052 Bedroom, 1.5 Bath, 900 sq ftAvailable Now![]()
The Sunset - Floorplan Apartment Unit: U-U183Apartment Model: 2 Beds, 1.5 bathsFrom $1,3402 Bedroom, 1.5 Bath, 900 sq ftAvailable NowApartment Unit: U-U278Apartment Model: The SunsetFrom $1,3052 Bedroom, 1.5 Bath, 900 sq ftAvailable August 19, 2026Apartment Unit: U-U283Apartment Model: The SunsetFrom $1,3152 Bedroom, 1.5 Bath, 900 sq ftAvailable August 28, 2026The Lakeview
From $1,370
2 Beds, 2 Baths, 1000 sq ftAvailable NowModel Gallery
Floorplans
Availability Details
Price Availability Date Unit Sq Ft Deposit View Details $1,370 Available Now D-D127 1000 $500 $1,370 September 26, 2026 D-D124 1000 $500 $1,370 October 3, 2026 D-D125 1000 $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
Model Price Range
- $1,370 - $1,470
Deposit
- $500 deposit
Unit D-D127 Amenities and Features
Features
- Air Conditioning
- Balcony
- Ceiling Fans
- Washer/Dryer Hookup
Kitchen
- Dishwasher
- Disposal
- Ice Maker
- Microwave
- Refrigerator
Kitchen Space
- Breakfast Bar
Living Space
- Walk-In Closets
- Window Coverings
Unique Features
- Black Appliances
- Boat/RV Parking
- Other
- Private Entrance
- Vinyl Plank Flooring
Unit D-D127 Rent and Fees
Unit Price
- From $1,370
View Details and Rent EstimateDeposit
- $500 deposit
Model Rent and Fees
Model Price Range
- $1,370 - $1,470
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 EstimateDeposit
- $500 deposit
Model Rent and Fees
Model Price Range
- $1,370 - $1,470
Unit D-D125 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-D125 Rent and Fees
Unit Price
- From $1,370
View Details and Rent EstimateDeposit
- $500 deposit
Model Rent and Fees
Model Price Range
- $1,370 - $1,470
Apartment Model: The LakeviewFrom $1,3702 Bedroom, 2 Bath, 1000 sq ftAvailable Now![]()
The Lakeview - Floorplan Apartment Unit: D-D127Apartment Model: The LakeviewFrom $1,3702 Bedroom, 2 Bath, 1000 sq ftAvailable NowApartment Unit: D-D124Apartment Model: The LakeviewFrom $1,3702 Bedroom, 2 Bath, 1000 sq ftAvailable September 26, 2026Apartment Unit: D-D125Apartment Model: The LakeviewFrom $1,3702 Bedroom, 2 Bath, 1000 sq ftAvailable October 3, 2026The Retreat
2 Beds, 1.5 Baths, 1000 sq ftModel 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
Apartment Model: The RetreatCall For Rates2 Bedroom, 1.5 Bath, 1000 sq ftUnavailable![]()
The Retreat - Floorplan 3 Bedrooms
The Palm
From $1,630
3 Beds, 2 Baths, 1300 sq ftAvailable Aug 14Model Gallery
Floorplans
Availability Details
Price Availability Date Unit Sq Ft Deposit $1,630 August 14, 2026 A-A104 1300 $500 Unit A-A104 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 A-A104 Rent and Fees
Unit Price
- From $1,630
View Details and Rent EstimateDeposit
- $500 deposit
Model Rent and Fees
Model Price Range
- $1,630 - $1,730
Apartment Model: The PalmFrom $1,6303 Bedroom, 2 Bath, 1300 sq ftAvailable August 14, 2026![]()
The Palm - Floorplan Apartment Unit: A-A104Apartment Model: The PalmFrom $1,6303 Bedroom, 2 Bath, 1300 sq ftAvailable August 14, 2026The Bayview
From $1,575
3 Beds, 2.5 Baths, 1100 sq ftAvailable Sep 24Model Gallery
Floorplans
Availability Details
Price Availability Date Unit Sq Ft Deposit $1,575 September 24, 2026 V-V330 1100 $500 Unit V-V330 Amenities and Features
Features
- Air Conditioning
- Balcony
- Ceiling Fans
- Washer/Dryer Hookup
Kitchen
- Dishwasher
- Disposal
- Ice Maker
- Microwave
- Refrigerator
Kitchen Space
- Breakfast Bar
Living Space
- Walk-In Closets
- Window Coverings
Unique Features
- Black Appliances
- Boat/RV Parking
- Other
- Private Entrance
- Vinyl Plank Flooring
Unit V-V330 Rent and Fees
Unit Price
- From $1,575
View Details and Rent EstimateDeposit
- $500 deposit
Model Rent and Fees
Model Price Range
- $1,575 - $1,675
Apartment Model: The BayviewFrom $1,5753 Bedroom, 2.5 Bath, 1100 sq ftAvailable September 24, 2026![]()
The Bayview - Floorplan Apartment Unit: V-V330Apartment Model: 3 Beds, 2.5 bathsFrom $1,5753 Bedroom, 2.5 Bath, 1100 sq ftAvailable September 24, 2026
Schedule a Tour
3D Tours
Property Information
- Renovated In Jul 2020
- 200 Units
- 2 Stories
- Built in 1978
Lease Terms
- 6, 12 mo
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.
Required Fees
One-Time Basics
- Due at Application
- Application FeeiCharged Per Applicant.$50.00
- Due at Move-In
- Administration FeeiCharged per unit.$100.00
Other Fees and Policies
Pet Fees
- Pet Fees & ChargesiCharged Per Pet.$300.00
- Pet RentiCharged Per Pet.$10.00/mo
- 2 Pet Limit
- 5 Lb Weight Limit
- 2 Pet Limit
- 40 Lb Weight Limit
- 2 Pet Limit
- 95 Lb Weight Limit
- 2 Pet Limit
- 1 Lb Weight Limit
Birds
Cats
Dogs
The following breeds or mix of breeds are not permitted within the community: Pit Bull, American Staffordshire Terrier, Rottweiler, and Presa Canario.
Fish
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

Map
- Shopping
- Colleges
- Grocery
- Medical

Map
Getting Around
40 / 100 Fairly walkable
30 / 100 Limited public transit
30 / 100 Somewhat Bikeable
80 / 100 Very car friendly
Getting to Know the Area
40 / 100 Restaurants
30 / 100 Cafes
50 / 100 Nightlife
40 / 100 Shopping
80 / 100 Noise Level
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 $1,170 to $1,730
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
Renters Reviews and Ratings
Disaster relief
ROACHES!! ROACHES!!
Worst place to live
Great Space, Quiet and I Love the Staff
Not a bad place overall
Another year renewed
Awesome place to live!
I love living here, wouldnt live anywhere else!!
A very good community to live at.
life is great at turtle lake!
I love this apartment!
Turtle Lake
Nearby Schools
Lucille Moore Elementary School
Jinks Middle School
Bay High School
About GreatSchools Data on ApartmentHomeLiving.com.
Points of Interest
Time and distance from Turtle Lake.
Big Box and Retail
Publix
Target
Kohl's
Colleges and Universities
Groceries
Publix
Save-A-Lot
Hospitals
Military Bases
Naval Coastal Systems Center
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 | $1,046 | $895 | $1,450 |
| Panama City 1 Bedroom Apartments | $1,423 | $900 | $2,567 |
| Panama City 2 Bedroom Apartments | $1,690 | $950 | $8,466 |
| Panama City 3 Bedroom Apartments | $1,968 | $1,095 | $6,259 |
| Panama City 4 Bedroom Apartments | $3,991 | $1,295 | $10,000+ |
| 2 Bedroom Homes | $1,445 | $850 | $3,850 |
| 3 Bedroom Homes | $2,074 | $1,100 | $4,400 |
| 4 Bedroom Homes | $2,472 | $1,900 | $4,300 |
| 5 Bedroom Homes | $2,520 | $2,250 | $3,000 |
| 7 Bedroom Homes | $3,200 | $3,200 | $3,200 |
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