Turtle Lake
4324 W 20th St,
Panama City,
FL
32405
-
Monthly Rent
$1,135 - $1,625
-
Bedrooms
1 - 3 bd
-
Bathrooms
1 - 2.5 ba
-
Square Feet
700 - 1,300 sq ft
Highlights
- Pool
- Walk-In Closets
- Balcony
Pricing & Floor Plans
-
Unit B-B109price $1,170square feet 700availibility Now
-
Unit P-P255price $1,135square feet 700availibility Apr 1
-
Unit U-U177price $1,295square feet 900availibility Now
-
Unit U-U284price $1,305square feet 900availibility Now
-
Unit Q-Q161price $1,320square feet 900availibility Now
-
Unit S-S170price $1,330square feet 1,000availibility Now
-
Unit D-D227price $1,335square feet 1,000availibility Now
-
Unit S-S271price $1,335square feet 1,000availibility Now
-
Unit K-K314price $1,545square feet 1,100availibility Now
-
Unit R-R323price $1,565square feet 1,100availibility Now
-
Unit K-K313price $1,565square feet 1,100availibility Now
-
Unit A-A204price $1,595square feet 1,300availibility Now
-
Unit M-M242price $1,595square feet 1,300availibility Now
-
Unit M-M243price $1,595square feet 1,300availibility Now
-
Unit B-B109price $1,170square feet 700availibility Now
-
Unit P-P255price $1,135square feet 700availibility Apr 1
-
Unit U-U177price $1,295square feet 900availibility Now
-
Unit U-U284price $1,305square feet 900availibility Now
-
Unit Q-Q161price $1,320square feet 900availibility Now
-
Unit S-S170price $1,330square feet 1,000availibility Now
-
Unit D-D227price $1,335square feet 1,000availibility Now
-
Unit S-S271price $1,335square feet 1,000availibility Now
-
Unit K-K314price $1,545square feet 1,100availibility Now
-
Unit R-R323price $1,565square feet 1,100availibility Now
-
Unit K-K313price $1,565square feet 1,100availibility Now
-
Unit A-A204price $1,595square feet 1,300availibility Now
-
Unit M-M242price $1,595square feet 1,300availibility Now
-
Unit M-M243price $1,595square feet 1,300availibility Now
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.
-
One-Time Basics
-
Due at Application
-
Application FeeCharged per applicant.$50
-
-
Due at Move-In
-
Administration FeeCharged per unit.$100
-
Application DepositCharged per unit.$200
-
-
Due at Application
-
Dogs
-
Monthly Pet FeeMax of 2. Charged per pet.$10
-
One-Time Pet FeeMax of 2. Charged per pet.$300
75 lbs. Weight Limit -
-
Cats
-
Monthly Pet FeeMax of 2. Charged per pet.$10
-
One-Time Pet FeeMax of 2. Charged per pet.$300
40 lbs. Weight Limit -
-
Birds
Max of 2, 5 lbs. Weight Limit
-
Fish
Max of 2, 1 lbs. Weight Limit
-
Pet Fees
-
Pet RentCharged per pet.$10 / mo
-
Pet Fees & ChargesCharged per pet.$300
-
-
Administration FeeCharged per unit.$100
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
-
12 mo
Property Information
-
Built in 1978
-
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
- Other
- Breakfast Bar
- Catch & Release Fishing Lake
Community Amenities
- Laundry Facilities
- Pool
- Playground
Apartment Features
- Washer/Dryer Hookup
- Dishwasher
- Walk-In Closets
- Balcony
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- Laundry Facilities
- Pool
- Playground
- Other
- Breakfast Bar
- Catch & Release Fishing Lake
- Washer/Dryer Hookup
- Dishwasher
- Walk-In Closets
- Balcony
| 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 |
| Colleges & Universities | Distance | ||
|---|---|---|---|
| Colleges & Universities | Distance | ||
| Walk: | 11 min | 0.6 mi | |
| Drive: | 26 min | 12.6 mi |
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.
Turtle Lake Photos
-
Turtle Lake
-
2BR, 2BA - 1,000 SF
-
2BR, 2BA - 1000SF - Livingroom
-
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
Models
-
Seabreeze
-
Sunset
-
Retreat
-
Lakeview
-
Palm
-
Bayview
While Turtle Lake does not provide in‑unit laundry, on‑site laundry facilities are available for shared resident use.
Utilities are not included in rent. Residents should plan to set up and pay for all services separately.
Contact this property for parking details.
Turtle Lake has one to three-bedrooms with rent ranges from $1,135/mo. to $1,625/mo.
Yes, Turtle Lake welcomes pets. Breed restrictions, weight limits, and additional fees may apply. View this property's pet policy.
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.
Turtle Lake is offering 1 Month Free for eligible applicants, with rental rates starting at $1,135.
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
Property Manager Responded