Photos
- 1–3 Bedrooms
- $1,165-$1,680Pricing
- 700–1,300Square Feet
Rent Specials
$500 Off Rent~~Must apply within 24 hours of tour. Must sign a 12-month lease. Move in by 10/31/25. Additional terms and conditions may apply.
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 Dial Equities, a NE Corp d/b/a Haley Residential
Unique Features and Amenities
- Administration Fee
- Application Deposit
- Boat/RV parking
- Breakfast Bar
- Catch & Release Fishing Lake
- Other
Property Contact Info
Floorplan Pricing and Availability
Turtle Lake offers 1 to 3 Bedroom apartments starting from $1,165 and having 700–1,300 sq ft. Here is the current pricing and availability:
New! Interactive Property Map
ApartmentHomeLiving.com's new Interactive Property Map allows you to see where every available unit is located at this community.Try It Now >1 Bedroom
The Seabreeze
From $1,165
1 Bed, 1 Bath, 700 sq ftAvailable NowModel Gallery
Floorplans
Availability Details
Price Availability Date Unit Sq Ft Deposit View Details $1,165 Available Now C-C214 700 $500 $1,165 November 18, 2025 N-N247 700 $500 $1,200 November 20, 2025 B-B106 700 $500 Model Amenities and Features
Features
- Balcony
- Washer/Dryer Hookup
Kitchen
- Dishwasher
Living Space
- Walk-In Closets
Unique Features
- Breakfast Bar
- Other
Model Rent and Fees
Model Price Range
- $1,165 - $1,200
Deposit
- $500 deposit
Unit C-C214 Amenities and Features
Features
- Balcony
- Washer/Dryer Hookup
Kitchen
- Dishwasher
Living Space
- Walk-In Closets
Unique Features
- Breakfast Bar
- Other
Unit C-C214 Rent and Fees
Unit Price
- $1,165
Deposit
- $500 deposit
Model Rent and Fees
Model Price Range
- $1,165 - $1,200
Unit N-N247 Amenities and Features
Features
- Balcony
- Washer/Dryer Hookup
Kitchen
- Dishwasher
Kitchen Space
- Breakfast Bar
Living Space
- Walk-In Closets
Unique Features
- Other
Unit N-N247 Rent and Fees
Unit Price
- $1,165
Deposit
- $500 deposit
Model Rent and Fees
Model Price Range
- $1,165 - $1,200
Unit B-B106 Amenities and Features
Features
- Balcony
- Washer/Dryer Hookup
Kitchen
- Dishwasher
Living Space
- Walk-In Closets
Unique Features
- Breakfast Bar
- Other
Unit B-B106 Rent and Fees
Unit Price
- $1,200
Deposit
- $500 deposit
Model Rent and Fees
Model Price Range
- $1,165 - $1,200
Apartment Model: The SeabreezeFrom $1,1651 Bedroom, 1 Bath, 700 sq ftAvailable Now![]()
The Seabreeze - Floorplan 1 Apartment Unit: C-C214Apartment Model: The Seabreeze$1,1651 Bedroom, 1 Bath, 700 sq ftAvailable NowApartment Unit: N-N247Apartment Model: The Seabreeze$1,1651 Bedroom, 1 Bath, 700 sq ftAvailable November 18, 2025Apartment Unit: B-B106Apartment Model: The Seabreeze$1,2001 Bedroom, 1 Bath, 700 sq ftAvailable November 20, 20252 Bedrooms
Show Unavailable FloorplansThe Sunset
$1,215
2 Beds, 1.5 Baths, 900 sq ftAvailable Nov 15Cheapest 2 BedroomThis is the cheapest 2 Bedroom at this PropertyModel Gallery
Floorplans
Availability Details
Price Availability Date Unit Sq Ft Deposit $1,215 November 15, 2025 Q-Q161 900 $500 Unit Q-Q161 Amenities and Features
Features
- Balcony
- Washer/Dryer Hookup
Kitchen
- Dishwasher
Kitchen Space
- Breakfast Bar
Living Space
- Walk-In Closets
Unique Features
- Other
Unit Q-Q161 Rent and Fees
Unit Price
- $1,215
Deposit
- $500 deposit
Model Rent and Fees
Price
- $1,215
Apartment Model: The Sunset$1,2152 Bedroom, 1.5 Bath, 900 sq ftAvailable November 15, 2025![]()
The Sunset - Floorplan 1 Apartment Unit: Q-Q161Apartment Model: The Sunset$1,2152 Bedroom, 1.5 Bath, 900 sq ftAvailable November 15, 2025The Lakeview
From $1,335
2 Beds, 2 Baths, 1000 sq ftAvailable Nov 15Model Gallery
Floorplans
Availability Details
Price Availability Date Unit Sq Ft Deposit View Details $1,335 November 15, 2025 D-D227 1000 $500 $1,375 December 4, 2025 H-H240 1000 $500 $1,360 December 16, 2025 H-H133 1000 $500 Model Amenities and Features
Features
- Balcony
- Washer/Dryer Hookup
Kitchen
- Dishwasher
Living Space
- Walk-In Closets
Unique Features
- Breakfast Bar
- Other
Model Rent and Fees
Model Price Range
- $1,335 - $1,375
Deposit
- $500 deposit
Unit D-D227 Amenities and Features
Features
- Balcony
- Washer/Dryer Hookup
Kitchen
- Dishwasher
Living Space
- Walk-In Closets
Unique Features
- Breakfast Bar
- Other
Unit D-D227 Rent and Fees
Unit Price
- $1,335
Deposit
- $500 deposit
Model Rent and Fees
Model Price Range
- $1,335 - $1,375
Unit H-H240 Amenities and Features
Features
- Balcony
- Washer/Dryer Hookup
Kitchen
- Dishwasher
Kitchen Space
- Breakfast Bar
Living Space
- Walk-In Closets
Unique Features
- Other
Unit H-H240 Rent and Fees
Unit Price
- $1,375
Deposit
- $500 deposit
Model Rent and Fees
Model Price Range
- $1,335 - $1,375
Unit H-H133 Amenities and Features
Features
- Balcony
- Washer/Dryer Hookup
Kitchen
- Dishwasher
Living Space
- Walk-In Closets
Unique Features
- Breakfast Bar
- Other
Unit H-H133 Rent and Fees
Unit Price
- $1,360
Deposit
- $500 deposit
Model Rent and Fees
Model Price Range
- $1,335 - $1,375
Apartment Model: The LakeviewFrom $1,3352 Bedroom, 2 Bath, 1000 sq ftAvailable November 15, 2025![]()
The Lakeview - Floorplan 1 Apartment Unit: D-D227Apartment Model: The Lakeview$1,3352 Bedroom, 2 Bath, 1000 sq ftAvailable November 15, 2025Apartment Unit: H-H240Apartment Model: The Lakeview$1,3752 Bedroom, 2 Bath, 1000 sq ftAvailable December 4, 2025Apartment Unit: H-H133Apartment Model: The Lakeview$1,3602 Bedroom, 2 Bath, 1000 sq ftAvailable December 16, 2025The Retreat
2 Beds, 1.5 Baths, 1000 sq ftModel Gallery
Floorplans
Availability Details
Availability Date Unit Sq Ft Call for Availability The Retreat 1000 sq ft Model Amenities and Features
Features
- Balcony
- Washer/Dryer Hookup
Kitchen
- Dishwasher
Living Space
- Walk-In Closets
Unique Features
- Breakfast Bar
- Other
Apartment Model: The RetreatCall For Rates2 Bedroom, 1.5 Bath, 1000 sq ftUnavailable![]()
The Retreat - Floorplan 1 3 Bedrooms
The Bayview
From $1,595
3 Beds, 2.5 Baths, 1100 sq ftAvailable NowModel Gallery
Floorplans
Availability Details
Price Availability Date Unit Sq Ft Deposit View Details $1,595 Available Now K-K314 1100 $500 $1,615 January 7, 2026 K-K313 1100 $500 $1,615 January 7, 2026 R-R323 1100 $500 Model Amenities and Features
Features
- Balcony
- Washer/Dryer Hookup
Kitchen
- Dishwasher
Living Space
- Walk-In Closets
Unique Features
- Breakfast Bar
- Other
Model Rent and Fees
Model Price Range
- $1,595 - $1,615
Deposit
- $500 deposit
Unit K-K314 Amenities and Features
Features
- Balcony
- Washer/Dryer Hookup
Kitchen
- Dishwasher
Kitchen Space
- Breakfast Bar
Living Space
- Walk-In Closets
Unique Features
- Other
Unit K-K314 Rent and Fees
Unit Price
- $1,595
Deposit
- $500 deposit
Model Rent and Fees
Model Price Range
- $1,595 - $1,615
Unit K-K313 Amenities and Features
Features
- Balcony
- Washer/Dryer Hookup
Kitchen
- Dishwasher
Living Space
- Walk-In Closets
Unique Features
- Breakfast Bar
- Other
Unit K-K313 Rent and Fees
Unit Price
- $1,615
Deposit
- $500 deposit
Model Rent and Fees
Model Price Range
- $1,595 - $1,615
Unit R-R323 Amenities and Features
Features
- Balcony
- Washer/Dryer Hookup
Kitchen
- Dishwasher
Kitchen Space
- Breakfast Bar
Living Space
- Walk-In Closets
Unique Features
- Other
Unit R-R323 Rent and Fees
Unit Price
- $1,615
Deposit
- $500 deposit
Model Rent and Fees
Model Price Range
- $1,595 - $1,615
Apartment Model: The BayviewFrom $1,5953 Bedroom, 2.5 Bath, 1100 sq ftAvailable Now![]()
The Bayview - Floorplan 1 Apartment Unit: K-K314Apartment Model: The Bayview$1,5953 Bedroom, 2.5 Bath, 1100 sq ftAvailable NowApartment Unit: K-K313Apartment Model: The Bayview$1,6153 Bedroom, 2.5 Bath, 1100 sq ftAvailable January 7, 2026Apartment Unit: R-R323Apartment Model: The Bayview$1,6153 Bedroom, 2.5 Bath, 1100 sq ftAvailable January 7, 2026The Palm
From $1,645
3 Beds, 2 Baths, 1300 sq ftAvailable NowModel Gallery
Floorplans
Availability Details
Price Availability Date Unit Sq Ft Deposit View Details $1,680 Available Now E-E130 1300 $500 $1,665 Available Now M-M241 1300 $500 $1,670 December 22, 2025 A-A103 1300 $500 Model Amenities and Features
Features
- Balcony
- Washer/Dryer Hookup
Kitchen
- Dishwasher
Living Space
- Walk-In Closets
Unique Features
- Breakfast Bar
- Other
Model Rent and Fees
Model Price Range
- $1,645 - $1,680
Current Available Pricing
- $1,665 - $1,680
Deposit
- $500 deposit
Unit E-E130 Amenities and Features
Features
- Balcony
- Washer/Dryer Hookup
Kitchen
- Dishwasher
Living Space
- Walk-In Closets
Unique Features
- Breakfast Bar
- Other
Unit E-E130 Rent and Fees
Unit Price
- $1,680
Deposit
- $500 deposit
Model Rent and Fees
Model Price Range
- $1,645 - $1,680
Unit M-M241 Amenities and Features
Features
- Balcony
- Washer/Dryer Hookup
Kitchen
- Dishwasher
Living Space
- Walk-In Closets
Unique Features
- Breakfast Bar
- Other
Unit M-M241 Rent and Fees
Unit Price
- $1,665
Deposit
- $500 deposit
Model Rent and Fees
Model Price Range
- $1,645 - $1,680
Unit A-A103 Amenities and Features
Features
- Balcony
- Washer/Dryer Hookup
Kitchen
- Dishwasher
Living Space
- Walk-In Closets
Unique Features
- Breakfast Bar
- Other
Unit A-A103 Rent and Fees
Unit Price
- $1,670
Deposit
- $500 deposit
Model Rent and Fees
Model Price Range
- $1,645 - $1,680
Apartment Model: The PalmFrom $1,6453 Bedroom, 2 Bath, 1300 sq ftAvailable Now![]()
The Palm - Floorplan 1 Apartment Unit: E-E130Apartment Model: The Palm$1,6803 Bedroom, 2 Bath, 1300 sq ftAvailable NowApartment Unit: M-M241Apartment Model: The Palm$1,6653 Bedroom, 2 Bath, 1300 sq ftAvailable NowApartment Unit: A-A103Apartment Model: The Palm$1,6703 Bedroom, 2 Bath, 1300 sq ftAvailable December 22, 2025
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
- Renovated In Jul 2020
- 200 Units
- 2 Stories
- Built in 1978
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Lease Terms
- 12 mo
Fees and Policies
The fees below are based on community-supplied data and may exclude additional fees and utilities.
Required Fees
One-Time Move-In Fees
- Due at Move-In
- Administrative Fee$100
- Administration Fee$100
- Application Deposit$200
- Due at Application
- Application Fee Per Applicant$50
- Application Fee$50
Other Fees
Pet Fees
- One-Time Pet Fee$300
- Monthly Pet Fee$10
- One-Time Pet Fee$300
- Monthly Pet Fee$10
- 2 Pet Limit
- 5 Lb Weight Limit
- 2 Pet Limit
- 40 Lb Weight Limit
- 2 Pet Limit
- 1 Lb Weight Limit
- 2 Pet Limit
- 75 Lb Weight Limit
Cat
Dog
Birds
Cats
Fish
Dogs
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
- Administration Fee
- Application Deposit
- Boat/RV parking
- Breakfast Bar
- Catch & Release Fishing Lake
- Other
On-Site Services
- Laundry Facilities
Recreation and Fitness
- Playground
- Pool
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 $1,165 to $1,680
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
Are there any rent specials?
The current rent special at Turtle Lake is: $500 Off Rent~~Must apply within 24 hours of tour. Must sign a 12-month lease. Move in by 10/31/25. Additional terms and conditions may apply..
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 | $872 | $775 | $925 |
| Panama City 1 Bedroom Apartments | $1,332 | $799 | $1,767 |
| Panama City 2 Bedroom Apartments | $1,528 | $875 | $2,284 |
| Panama City 3 Bedroom Apartments | $1,900 | $1,095 | $2,750 |
| Panama City 4 Bedroom Apartments | $2,156 | $1,195 | $3,400 |
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Viewing: Turtle Lake | Desktop Version | Listing Updated: 10/31/2025 | AHLGLD