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  • Primary Photo - Turtle Lake
  • 2BR, 2BA - 1000SF - Kitchen - Turtle Lake
    2BR, 1.5 BA, 900SF - Kitchen - Turtle Lake
  • 2BR, 1.5 BA, 900SF - Livingroom - Turtle Lake
    2BR, 1.5 BA - 900SF - Bathroom - Turtle Lake
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Language: English

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View All Hours Office Hours Monday - Friday, 8:30am - 5:30pm Saturday & Sunday, Closed

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call 850-740-0778
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Florida Bay County Panama City Turtle Lake

Turtle Lake

4324 W 20th St, Panama City, FL 32405

4.0 (15 reviews)

Property Rating

4.0
Great
Out of 5

4.0 Blended Score

See all 15 Renter Reviews

How Is This Rating Determined?

Every community on Apartments.com features a rating displayed on a 5-star scale. This rating includes average renter review scores and a building rating to determine an overall blended score for this property.

Building ratings are based on this community’s features, including the building design, construction, exterior spaces, and amenities. To learn more about the CoStar Building Rating System, refer to our official guidelines here.

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850-740-0778
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  • Monthly Rent

    $1,152 - $1,665

  • Bedrooms

    1 - 3 bd

  • Bathrooms

    1 - 2.5 ba

  • Square Feet

    700 - 1,300 sq ft

Turtle Lake
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$500 off First Month's Rent!*

Sign a 12-month lease to get $500 off first month's rent. Terms and conditions may apply. Offer ends 6/30/25

Pricing & Floor Plans

filter results by bedrooms
A1 $1,152 – $1,177
1 Bed 1 Bath 700 Sq Ft $500 Deposit
4 Available units
Unit
Base Price
Sq Ft
Availability
Unit Details
  • Unit P159
    price $1,177
    square feet 700
    availibility Jun 29
  • Unit C219
    price $1,152
    square feet 700
    availibility Jun 30
  • Unit C113
    price $1,177
    square feet 700
    availibility Jul 6
  • Unit B209
    price $1,162
    square feet 700
    availibility Aug 23

B2 $1,283 – $1,326
2 Beds 1.5 Baths 900 Sq Ft $500 Deposit
5 Available units
Unit
Base Price
Sq Ft
Availability
Unit Details
  • Unit Q266
    price $1,290
    square feet 900
    availibility Now
  • Unit Q264
    price $1,290
    square feet 900
    availibility Now
  • Unit U279
    price $1,300
    square feet 900
    availibility Now
  • Unit U280
    price $1,300
    square feet 900
    availibility Now
  • Unit U283
    price $1,300
    square feet 900
    availibility Now

B3 $1,386 – $1,397
2 Beds 2 Baths 1,000 Sq Ft $500 Deposit
1 Available unit
Unit
Base Price
Sq Ft
Availability
Unit Details
  • Unit S171
    price $1,386
    square feet 1,000
    availibility Now
C1 $1,556 – $1,599
3 Beds 2.5 Baths 1,100 Sq Ft $500 Deposit
2 Available units
Unit
Base Price
Sq Ft
Availability
Unit Details
  • Unit K315
    price $1,556
    square feet 1,100
    availibility Now
  • Unit G305
    price $1,599
    square feet 1,100
    availibility Sep 4
C2 $1,631 – $1,665
3 Beds 2 Baths 1,300 Sq Ft $500 Deposit
3 Available units
Unit
Base Price
Sq Ft
Availability
Unit Details
  • Unit A203
    price $1,631
    square feet 1,300
    availibility Now
  • Unit A104
    price $1,656
    square feet 1,300
    availibility Now
  • Unit A201
    price $1,635
    square feet 1,300
    availibility Jun 30
B1 $1,377 Not Available
2 Beds 1.5 Baths 1,000 Sq Ft $500 Deposit
A1 $1,152 – $1,177
1 Bed 1 Bath 700 Sq Ft $500 Deposit
4 Available units
Unit
Base Price
Sq Ft
Availability
Unit Details
  • Unit P159
    price $1,177
    square feet 700
    availibility Jun 29
  • Unit C219
    price $1,152
    square feet 700
    availibility Jun 30
  • Unit C113
    price $1,177
    square feet 700
    availibility Jul 6
  • Unit B209
    price $1,162
    square feet 700
    availibility Aug 23

B2 $1,283 – $1,326
2 Beds 1.5 Baths 900 Sq Ft $500 Deposit
5 Available units
Unit
Base Price
Sq Ft
Availability
Unit Details
  • Unit Q266
    price $1,290
    square feet 900
    availibility Now
  • Unit Q264
    price $1,290
    square feet 900
    availibility Now
  • Unit U279
    price $1,300
    square feet 900
    availibility Now
  • Unit U280
    price $1,300
    square feet 900
    availibility Now
  • Unit U283
    price $1,300
    square feet 900
    availibility Now

B3 $1,386 – $1,397
2 Beds 2 Baths 1,000 Sq Ft $500 Deposit
1 Available unit
Unit
Base Price
Sq Ft
Availability
Unit Details
  • Unit S171
    price $1,386
    square feet 1,000
    availibility Now
B1 $1,377 Not Available
2 Beds 1.5 Baths 1,000 Sq Ft $500 Deposit
C1 $1,556 – $1,599
3 Beds 2.5 Baths 1,100 Sq Ft $500 Deposit
2 Available units
Unit
Base Price
Sq Ft
Availability
Unit Details
  • Unit K315
    price $1,556
    square feet 1,100
    availibility Now
  • Unit G305
    price $1,599
    square feet 1,100
    availibility Sep 4
C2 $1,631 – $1,665
3 Beds 2 Baths 1,300 Sq Ft $500 Deposit
3 Available units
Unit
Base Price
Sq Ft
Availability
Unit Details
  • Unit A203
    price $1,631
    square feet 1,300
    availibility Now
  • Unit A104
    price $1,656
    square feet 1,300
    availibility Now
  • Unit A201
    price $1,635
    square feet 1,300
    availibility Jun 30
* 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.
* Square footage definitions vary. Displayed square footage is approximate.

Fees and Policies

The fees below are based on community-supplied data and may exclude additional fees and utilities.

  • One-Time Move-In Fees
  • Administrative Fee
    $100
  • Application Fee
    $50
  • Dogs Allowed
  • Monthly pet rent
    $10
  • One time Fee
    $300
  • Pet deposit
    $0
  • Pet Limit
    2
  • Comments:
    We love our furry friends! All fees are per pet.
  • Cats Allowed
  • Monthly pet rent
    $10
  • One time Fee
    $300
  • Pet deposit
    $0
  • Pet Limit
    2
  • Comments:
    We love our furry friends! All fees are per pet.
  • Parking
  • Other
    --

Details

Property Information

  • Built in 1978
  • 200 units/2 stories

Matterport 3D Tours

2BR, 2BA - 1,000 SF
1/3

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 an apartment community located in Bay County and the 32405 ZIP Code. This area is served by the Bay attendance zone.

Unique Features

  • Breakfast Bar
  • Patio or Balcony
  • Online Payments Available
  • Upgraded 2 Bedroom*
  • $0 Pet Deposit
  • 24 Hour Emergency Maintenance
  • Fishing Lake
  • Upgraded 3 Bedroom*
  • Washer/Dryer Connections*
  • Boat/RV Parking Area
  • Large Walk-In Closets*
  • Upgraded 1 Bedroom*

Contact

View Property Website
Language: English
Closed Today
  • Monday - Friday, 8:30am - 5:30pm
  • Saturday & Sunday, Closed
Property Management Company Logo

Community Amenities

Pool

Fitness Center

Laundry Facilities

Playground

  • Laundry Facilities
  • Renters Insurance Program
  • Online Services
  • Car Wash Area
  • Clubhouse
  • Walk-Up
  • Fitness Center
  • Pool
  • Playground
  • Bicycle Storage
  • Cabana
  • Courtyard
  • Lake Access

Apartment Features

Air Conditioning

Dishwasher

Washer/Dryer Hookup

Walk-In Closets

Refrigerator

Tub/Shower

Disposal

Patio

Highlights

  • Washer/Dryer Hookup
  • Air Conditioning
  • Heating
  • Ceiling Fans
  • Cable Ready
  • Storage Space
  • Tub/Shower

Kitchen Features & Appliances

  • Dishwasher
  • Disposal
  • Kitchen
  • Oven
  • Range
  • Refrigerator

Model Details

  • Carpet
  • Vinyl Flooring
  • Dining Room
  • Views
  • Walk-In Closets
  • Linen Closet
  • Window Coverings
  • Balcony
  • Patio
Location Get Directions
Schools Restaurants Groceries Coffee Banks Shops Fitness
Amenities
  • Laundry Facilities
  • Renters Insurance Program
  • Online Services
  • Car Wash Area
  • Clubhouse
  • Walk-Up
  • Cabana
  • Courtyard
  • Lake Access
  • Fitness Center
  • Pool
  • Playground
  • Bicycle Storage
  • Breakfast Bar
  • Patio or Balcony
  • Online Payments Available
  • Upgraded 2 Bedroom*
  • $0 Pet Deposit
  • 24 Hour Emergency Maintenance
  • Fishing Lake
  • Upgraded 3 Bedroom*
  • Washer/Dryer Connections*
  • Boat/RV Parking Area
  • Large Walk-In Closets*
  • Upgraded 1 Bedroom*
  • Washer/Dryer Hookup
  • Air Conditioning
  • Heating
  • Ceiling Fans
  • Cable Ready
  • Storage Space
  • Tub/Shower
  • Dishwasher
  • Disposal
  • Kitchen
  • Oven
  • Range
  • Refrigerator
  • Carpet
  • Vinyl Flooring
  • Dining Room
  • Views
  • Walk-In Closets
  • Linen Closet
  • Window Coverings
  • Balcony
  • Patio
Expenses
Recurring
Cat Rent $10
Dog Rent $10
One-Time
Cat Fee $300
Dog Fee $300
Office Hours
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
850-740-0778
City - Panama City

Situated on Florida’s Panhandle, Panama City sits about midway between Tallahassee and Pensacola. Panama City’s location on the Saint Andrew Bay affords residents plenty of opportunities for water-based recreation like sailing, kayaking, and paddle boarding in addition to fresh seafood at numerous area restaurants.

Panama City exudes a suburban vibe with a tropical twist. Residents enjoy shopping brand-name retailers at Panama City Square and Panama City Mall along 23rd Street as well as unique boutiques and specialty shops in the charming downtown area stretched along Harrison Avenue.

Panama City’s walkable downtown also boasts a bevy of diverse eateries, cozy cafes, and nightlife spots. World-class beaches are just a short drive from Panama City, along with the many exciting attractions of neighboring tourist-driven Panama City Beach. Getting around from Panama City is a breeze with access to U.S. 98 and U.S. 231.

Learn more about living in Panama City 
Education
Colleges & Universities Distance
Colleges & Universities Distance
Gulf Coast State, Panama City
Walk: 11 min 0.6 mi
Gulf Coast State, North Bay
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 Schools
  • Private Schools
Lucille Moore Elementary School
Public Elementary School
Grades PK-5
503 Students
Attendance Zone
Jinks Middle School
Public Middle School
Grades 6-8
570 Students
Attendance Zone
Central High School
Charter High School
Grades 9-12
93 Students
Nearby
Bay High School
Public High School
Grades 9-12
1,255 Students
Attendance Zone
Bacot Academy
Private Elementary, Middle & High School
Grades 1-10
Nearby
Covenant Christian School
Private Elementary, Middle & High School
Grades PK-12
139 Students
Nearby
Bacot Academy
Private Elementary, Middle & High School
Grades 1-10
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 © 2025. All rights reserved.
Transportation

Turtle Lake is near Northwest Florida Beaches International, located 23.3 miles or 37 minutes away.

Airports Distance
Airports Distance
Northwest Florida Beaches International
Drive: 37 min 23.3 mi
Car-Dependent
15
Walk Score®
Out of 100
This area is considered a car-dependent area and most errands will require a car.
Minimal Transit
0
Transit Score®
Out of 100
Somewhat Bikeable
43
Bike Score®
Out of 100
You might be able to find places to ride your bike in this area, but you’ll most likely want your car for most errands.
-
-
Soundscore™
Out of 100

Traffic:

-

Airport:

-

Businesses:

-

Score provided by

Scores provided by  and

Score provided by

Points of Interest

Time and distance from Turtle Lake.

Shopping Centers Distance
Shopping Centers Distance
Northstar Center
Drive: 4 min 2.0 mi
Turtle Lake has 1 shopping centers within 2.0 miles, which is about a 4-minute drive. The miles and minutes will be for the farthest away property.
Parks and Recreation Distance
Parks and Recreation Distance
Science and Discovery Center of Northwest Florida
Drive: 8 min 4.2 mi
St. Andrews State Park
Drive: 17 min 8.0 mi
Turtle Lake has 2 parks within 8.0 miles, including Science and Discovery Center of Northwest Florida, and St. Andrews State Park.
Hospitals Distance
Hospitals Distance
Gulf Coast Regional Medical Center
Drive: 7 min 3.9 mi
Emerald Coast Behavioral Hospital
Drive: 9 min 4.5 mi
Ascension Sacred Heart Bay
Drive: 12 min 5.8 mi
Turtle Lake has 3 hospitals within 5.8 miles, the nearest is Gulf Coast Regional Medical Center which is 3.9 miles away and a 7 minute drive.
Military Bases Distance
Military Bases Distance
Naval Coastal Systems Center
Drive: 11 min 4.8 mi
Tyndall Air Force Base
Drive: 31 min 18.0 mi
Eglin Air Force Base De Funiak Spring
Drive: 138 min 77.0 mi
Turtle Lake has 3 military bases within 77.0 miles, the nearest is Naval Coastal Systems Center which is 4.8 miles away and a 11 minute drive.
 
 

Property Ratings at Turtle Lake

How Is This Rating Determined?

How Is This Rating Determined?

Every community on Apartments.com features a rating displayed on a 5-star scale. This rating includes average renter review scores and a building rating to determine an overall blended score for this property.

Building ratings are based on this community’s features, including the building design, construction, exterior spaces, and amenities. To learn more about the CoStar Building Rating System, refer to our official guidelines here.

4.0
Great
Out of 5

4.0 Blended Score

15 Renter Reviews

Share details of your own experience with this property

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1/24/19
Disaster relief

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 at Turtle Lake, Responded To This Review

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

2/7/18
ROACHES!! ROACHES!!

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.

5/5/17
Worst place to live

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.

6/26/16
Great Space, Quiet and I Love the Staff

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!!!

8/6/15
Not a bad place overall

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

11/13/14
Turtle Lake

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

10/11/14
Great location - close and convenient

Location makes in great for those that like to stay in the same neighborhood. You don't have to travel all over town. Plenty of place to shop and eat near by. Takes a while to get any maintenance work done though. Even though some apartments have their own laundry machine hook ups, the general use laundry room is too small and not enough machines for that large of a complex.

7/9/14
life is great at turtle lake!

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.

6/26/14
Awesome place to live!

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!

6/10/14
I love living here, wouldnt live anywhere else!!

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!

4/8/14
I love this apartment!

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!

2/19/14
Mr. Roshand Burkett

Excellent service freindly staff, and all issues handled in a timely manner.

2/15/14
Another year renewed

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.

1/31/14
apartment review

Beautiful place, well kept up, good location, very friendly and helpful apartment managers, most everything is great, but I think a $100 late fee is a little draconian, and the maintenance staff is not given holidays like Memorial Day and Labor Day off, to my knowledge. Also, having only 6 washers and driers for a 200 unit complex is a problem.

12/5/13
A very good community to live at.

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.

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Turtle Lake Photos

  • Turtle Lake

  • 2BR, 2BA - 1,000 SF

  • 2BR, 2BA - 1000SF - Kitchen

  • 2BR, 1.5 BA, 900SF - Kitchen

  • 2BR, 1.5 BA, 900SF - Livingroom

  • 2BR, 1.5 BA - 900SF - Bathroom

  • 2BR, 2BA - 1000SF - Bathroom

  • 2BR, 1.5 BA - 900SF - Dining Room

  • 2BR, 1.5 BA - 900SF - Bedroom

Models

  • 1 Bedroom

  • 2 Bedrooms

  • 2 Bedrooms

  • 2 Bedrooms

  • 3 Bedrooms

  • 3 Bedrooms

Frequently Asked Questions
Which floor plans are available, and what are the price ranges?

Turtle Lake has one to three bedrooms with rent ranges from $1,152/mo. to $1,665/mo.

Can I see a model or tour Turtle Lake?

You can take a virtual tour of Turtle Lake on Apartments.com.

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4324 W 20th St

Panama City, FL 32405

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