Turtle Lake
4324 W 20th St,
Panama City,
FL
32405
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850-740-0778
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Monthly Rent
$1,135 - $1,625
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Bedrooms
1 - 3 bd
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Bathrooms
1 - 2.5 ba
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Square Feet
700 - 1,300 sq ft
Turtle Lake
Favorites
Highlights
- Pool
- Walk-In Closets
- Lake Access
- Balcony
Pricing & Floor Plans
filter results by bedrooms
The Seabreeze
$1,135 – $1,160
1 Bed
1 Bath
700 Sq Ft
$500 Deposit
5 Available units
Unit
Base Price
Sq Ft
Availability
Unit Details
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Unit N-N245price $1,135square feet 700availibility Apr 25
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Unit N-N248price $1,135square feet 700availibility May 9
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Unit P-P154price $1,160square feet 700availibility May 16
The Sunset
$1,295 – $1,320
2 Beds
1.5 Baths
900 Sq Ft
$500 Deposit
5 Available units
Unit
Base Price
Sq Ft
Availability
Unit Details
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Unit U-U177price $1,295square feet 900availibility Now
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Unit Q-Q263price $1,295square feet 900availibility Now
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Unit Q-Q161price $1,320square feet 900availibility Now
The Lakeview
$1,230 – $1,360
2 Beds
2 Baths
1,000 Sq Ft
$500 Deposit
3 Available units
Unit
Base Price
Sq Ft
Availability
Unit Details
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Unit D-D222price $1,230square feet 1,000availibility Apr 25
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Unit S-S173price $1,360square feet 1,000availibility May 10
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Unit D-D127price $1,360square feet 1,000availibility Jun 13
The Bayview
$1,545
3 Beds
2.5 Baths
1,100 Sq Ft
$500 Deposit
2 Available units
Unit
Base Price
Sq Ft
Availability
Unit Details
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Unit K-K314price $1,545square feet 1,100availibility Now
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Unit G-G308price $1,545square feet 1,100availibility May 8
The Palm
$1,625
3 Beds
2 Baths
1,300 Sq Ft
$500 Deposit
1 Available unit
Unit
Base Price
Sq Ft
Availability
Unit Details
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Unit E-E230price $1,625square feet 1,300availibility Now
The Seabreeze
$1,135 – $1,160
1 Bed
1 Bath
700 Sq Ft
$500 Deposit
5 Available units
Unit
Base Price
Sq Ft
Availability
Unit Details
-
Unit N-N245price $1,135square feet 700availibility Apr 25
-
Unit N-N248price $1,135square feet 700availibility May 9
-
Unit P-P154price $1,160square feet 700availibility May 16
The Sunset
$1,295 – $1,320
2 Beds
1.5 Baths
900 Sq Ft
$500 Deposit
5 Available units
Unit
Base Price
Sq Ft
Availability
Unit Details
-
Unit U-U177price $1,295square feet 900availibility Now
-
Unit Q-Q263price $1,295square feet 900availibility Now
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Unit Q-Q161price $1,320square feet 900availibility Now
The Lakeview
$1,230 – $1,360
2 Beds
2 Baths
1,000 Sq Ft
$500 Deposit
3 Available units
Unit
Base Price
Sq Ft
Availability
Unit Details
-
Unit D-D222price $1,230square feet 1,000availibility Apr 25
-
Unit S-S173price $1,360square feet 1,000availibility May 10
-
Unit D-D127price $1,360square feet 1,000availibility Jun 13
The Bayview
$1,545
3 Beds
2.5 Baths
1,100 Sq Ft
$500 Deposit
2 Available units
Unit
Base Price
Sq Ft
Availability
Unit Details
-
Unit K-K314price $1,545square feet 1,100availibility Now
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Unit G-G308price $1,545square feet 1,100availibility May 8
The Palm
$1,625
3 Beds
2 Baths
1,300 Sq Ft
$500 Deposit
1 Available unit
Unit
Base Price
Sq Ft
Availability
Unit Details
-
Unit E-E230price $1,625square feet 1,300availibility Now
* 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.
* Square footage definitions vary. Displayed square footage is approximate.
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.
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One-Time Basics
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Due at Application
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Application FeeCharged per applicant.$50
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Due at Move-In
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Administration FeeCharged per unit.$100
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Application DepositCharged per unit.$200
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Security DepositCharged per unit.$300
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Due at Application
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Dogs
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One-Time Pet FeeMax of 2. Charged per pet.$300
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Monthly Pet FeeMax of 2. Charged per pet.$10 / mo
75 lbs. Weight LimitRestrictions:The following breeds or mix of breeds are not permitted within the community: Pit Bull, American Staffordshire Terrier, Rottweiler, and Presa Canario.Read More Read Less -
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Cats
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One-Time Pet FeeMax of 2. Charged per pet.$300
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Monthly Pet FeeMax of 2. Charged per pet.$10 / mo
40 lbs. Weight Limit -
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Birds
Max of 2, 5 lbs. Weight Limit
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Fish
Max of 2, 1 lbs. Weight Limit
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Pet Fees
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Pet Fees & ChargesCharged per pet.$300
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Pet RentCharged per pet.$10 / mo
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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.
Details
Lease Options
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12 mo
Property Information
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Built in 1978
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200 units/2 stories
Matterport 3D Tours
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 an apartment community located in Bay County and the 32405 ZIP Code. This area is served by the Bay attendance zone.
Unique Features
- Bike Storage
- Black Appliances
- Boat/rv Parking
- Breakfast Bar
- Catch & Release Fishing Lake
- Other
- Private Entrance
- Vinyl Plank Flooring
Community Amenities
Pool
Laundry Facilities
Playground
Bicycle Storage
- Package Service
- Laundry Facilities
- Pool
- Playground
- Bicycle Storage
- Lake Access
Apartment Features
Air Conditioning
Dishwasher
Washer/Dryer Hookup
Walk-In Closets
- Washer/Dryer Hookup
- Air Conditioning
- Heating
- Ceiling Fans
- Tub/Shower
- Dishwasher
- Disposal
- Ice Maker
- Kitchen
- Microwave
- Oven
- Range
- Refrigerator
- Freezer
- Carpet
- Vinyl Flooring
- Walk-In Closets
- Window Coverings
- Balcony
4324 W 20th St,
Panama City,
FL
32405
Located along Florida's Emerald Coast, Panama City combines coastal living with Southern hospitality. The rental market offers various options, with one-bedroom apartments averaging $1,215 per month, while three-bedroom homes average $1,879. Recent trends show some softening in rental rates, with one-bedroom units experiencing a 4.5% decrease year-over-year. Notable areas include historic St. Andrews, featuring a waterfront district and weekly farmers' market, and the downtown area with its expanding arts scene and local shops. The presence of Florida State University Panama City and Gulf Coast State College adds to the city's educational landscape.
Panama City's location on St. Andrews Bay provides year-round opportunities for water recreation and outdoor activities. The city spans 36 square miles, featuring public parks, marinas, and green spaces throughout the community. Tyndall Air Force Base, a significant presence in the area, is undergoing a $5.3 billion renovation project.
Learn more about living in Panama City
Amenities
- Package Service
- Laundry Facilities
- Lake Access
- Pool
- Playground
- Bicycle Storage
- Bike Storage
- Black Appliances
- Boat/rv Parking
- Breakfast Bar
- Catch & Release Fishing Lake
- Other
- Private Entrance
- Vinyl Plank Flooring
- Washer/Dryer Hookup
- Air Conditioning
- Heating
- Ceiling Fans
- Tub/Shower
- Dishwasher
- Disposal
- Ice Maker
- Kitchen
- Microwave
- Oven
- Range
- Refrigerator
- Freezer
- Carpet
- Vinyl Flooring
- Walk-In Closets
- Window Coverings
- Balcony
Expenses
Recurring
Cat Rent
$10
Dog Rent
$10
One-Time
Cat Fee
$300
Dog Fee
$300
Office Hours
850-740-0778
| Monday | 8:30am - 5:30pm |
|---|---|
| Tuesday | 8:30am - 5:30pm |
| Wednesday | 8:30am - 5:30pm |
| Thursday | 8:30am - 5:30pm |
| Friday | 8:30am - 5:30pm |
| Saturday | Closed |
| Sunday | Closed |
Education
| Colleges & Universities | Distance | ||
|---|---|---|---|
| Colleges & Universities | Distance | ||
| Walk: | 11 min | 0.6 mi | |
| Drive: | 26 min | 12.6 mi |
Turtle Lake is within 11 minutes or 0.6 mile from Gulf Coast State, Panama City. It is also near Gulf Coast State, North Bay.
Schools
Public Elementary School
Grades PK-5
503 Students
Attendance Zone
Public High School
Grades 9-12
93 Students
Nearby
Private Elementary, Middle & High School
Grades PK-12
193 Students
Nearby
School data provided by
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 a scale of 1 (below average) 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 family needs as part of the school selection process.
View GreatSchools Rating Methodology
Data provided by GreatSchools.org © 2026. All rights reserved.
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 a scale of 1 (below average) 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 family needs as part of the school selection process.
View GreatSchools Rating Methodology
Data provided by GreatSchools.org © 2026. All rights reserved.
Getting Around
What do Walkability, Transit, Drivability, and Bikeability mean?
Walkability measures the walking distance to day-to-day needs.
Transit measures access to public transportation.
Drivability measures congestion, parking availability, and access to major roads.
Bikeability measures the suitability for cycling.
How It Works
Fairly Walkable
Walkability
40
/ 100
Limited Public Transit
Transit
30
/ 100
Very Drivable
Drivability
80
/ 100
Somewhat Bikeable
Bikeability
30
/ 100
Scores provided by
What do Walkability, Transit, Drivability, and Bikeability mean?
Walkability measures the walking distance to day-to-day needs.
Transit measures access to public transportation.
Drivability measures congestion, parking availability, and access to major roads.
Bikeability measures the suitability for cycling.
How It Works
Active
Soundscore™
77
/ 100
Traffic
ActiveAirport
CalmBusinesses
CalmScores provided by
HowLoud What is a Sound Score Rating? A Sound Score Rating aggregates noise caused by vehicle traffic, airplane traffic and local sources. How It WorksTurtle Lake Photos
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Turtle Lake
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2BR, 2BA - 1,000 SF
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Living Area
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Dining Area
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Dining Area
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Kitchen
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Kitchen
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Playground
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Gazebo
Models
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Seabreeze
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Sunset
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Retreat
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Lakeview
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Palm
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Bayview
Does Turtle Lake have in-unit laundry?
While Turtle Lake does not provide in‑unit laundry, on‑site laundry facilities are available for shared resident use.
What utilities are included in rent at Turtle Lake?
Utilities are not included in rent. Residents should plan to set up and pay for all services separately.
Is parking available at Turtle Lake?
Contact this property for parking details.
Which floor plans are available, and what are the price ranges?
Turtle Lake has one to three-bedrooms with rent ranges from $1,135/mo. to $1,625/mo.
Is Turtle Lake pet-friendly?
Yes, Turtle Lake welcomes pets. Breed restrictions, weight limits, and additional fees may apply. View this property's pet policy.
How much income do I need to rent at Turtle Lake?
A good rule of thumb is to spend no more than 30% of your gross income on rent. Based on the lowest available rent of $1,135 for a one-bedroom, you would need to earn about $45,400 per year to qualify. Want to double-check your budget? Calculate how much rent you can afford with our Rent Affordability Calculator.
Does Turtle Lake have move-in specials?
Turtle Lake is offering 2 Months Free for eligible applicants, with rental rates starting at $1,135.
Does Turtle Lake offer Matterport 3D tours?
Yes! Turtle Lake offers 3 Matterport 3D Tours. Explore different floor plans and see unit level details, all without leaving home.
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.
What is a Sound Score Rating?
A Sound Score Rating aggregates noise caused by vehicle traffic, airplane traffic and local sources.
4324 W 20th St
Panama City, FL 32405