Listing provided courtesy of Anchor Realty Florida- MLS# 790734MLS Provider

9701 Summer Creek DrivePanama City, FL 32409

Single Family · 3 Beds · 3 Full Baths · 1 Half Bath · 3,243 Sq. ft. | 1.93 Acres
$1,399,000 Active

9701 Summer Creek Drive Overview

Time on Site:
26 days
Visits:
0

LUXURY LAKEFRONT ESTATE IN GATED CEDAR CREEK COMMUNITY - Experience exceptional lakefront living in this stunning Arthur Rutenberg custom-built home, perfectly situated on 1.9 private acres within the prestigious gated Cedar Creek community. Designed with both elegance and comfort in mind, this meticulously maintained 3-bedroom, 4-bath residence offers breathtaking water views, premium finishes, and resort-style outdoor amenities. Inside, you'll find soaring tray ceilings, extensive crown molding, and ceramic tile flooring throughout. Large energy-efficient windows fill the home with natural light while providing unobstructed panoramic views of the lake from nearly every room. The gourmet kitchen is a chef's dream, featuring a spacious center island, double ovens, gas cooktop, Sub-Zero refrigerator, oversized pantry, and an abundance of custom cabinetry. Whether entertaining guests or preparing family meals, this thoughtfully designed space offers both beauty and functionality. A rare and desirable feature, this home could easily be described as having three master suites, as each bedroom includes its own private bathroom. All three en-suite baths feature luxurious zero-entry tiled showers, creating a spa-like experience for family and guests alike. The expansive covered lanai serves as an outdoor living room, complete with a fireplace, television, and ample space for relaxing, entertaining, or simply enjoying spectacular lake views year-round. Car enthusiasts and hobbyists will appreciate the oversized garage with room for up to four vehicles. A large circular driveway and substantial stone-paver parking pad provide additional convenience and impressive curb appeal. The beautifully landscaped grounds showcase mature fruit trees, including satsuma, apple, and pear varieties. The fenced backyard is designed for both recreation and functionality, featuring a 24' x 28' workshop/storage building, private boat ramp, dock, and covered boathouse equipped with a boat lift--offering direct access to the lake for fishing, boating, and watersports. This extraordinary property combines luxury craftsmanship, privacy, and waterfront living in one exceptional offering. Don't miss the opportunity to own one of Cedar Creek's most impressive lakefront estates.

Love this property?
Create a profile so you can receive updates on this property as soon as they happen!
View Map

9701 Summer Creek Drive Facts & Features

  • Type Single Family
  • Sq. ft. 3,243
  • Price/Sq.ft. $431
  • Lot 1.93 Acres

Details

General

Association/HOA

  • Association Amenities: Gated,Picnic Area
  • Association: true

School Information

  • Elementary School: Deane Bozeman
  • Middle Or Junior School: Deane Bozeman
  • High School: Deane Bozeman

Building Information

  • New Construction: false
  • Year Built: 2019

Location/Region

  • County Or Parish: Bay
  • MLS Area Major: 04 - Bay County - North
  • MLS Area Minor: 0410 - Bay North - West Deerpoint/Southport
  • Postal City: Panama City
  • Subdivision Name: Cedar Creek At Deerpoint Lake

Community/Development

  • Community Features: Clubhouse,Playground,Park,Pool,Gated

Tax Information

  • Tax Annual Amount: 8178.0
  • Tax Year: 2025

General Information

  • Parcel Number: 07611-400-001
  • Property Sub Type: Single Family Residence
  • Property Type: Residential
  • Special Listing Conditions: Listed As-Is

Interior

Parking Information

  • Garage Spaces: 4.0
  • Garage: true

Beds/Baths

  • Bathrooms Full: 3
  • Bathrooms Half: 1
  • Bathrooms Total: 4
  • Bedrooms Total: 3

Building Interior

  • Building Area Total: 3243.0

General Information

  • Appliances: Electric Oven,Gas Cooktop,Gas Range,Gas Water Heater,Tankless Water Heater
  • Interior Features: Double Vanity,Main Level Primary,Soaking Tub,Separate Shower,Walk-In Closet(s)
  • Levels: One
  • Living Area Source: Plans
  • Rooms Total: 9
  • Security Features: Security System Owned,Gated Community,Security Gate
  • Stories: 1
  • Stories Total: 1
  • Units Furnished: None
  • Window Features: Double Pane Windows

Exterior

Parking Information

  • Parking Features: Garage,Garage Door Opener,Gated

Lot Information

  • Lot Features: Cul-De-Sac,Sprinkler System,Paved
  • Lot Size Acres: 1.93
  • Lot Size Area: 1.93
  • Lot Size Dimensions: Irregular
  • Lot Size Square Feet: 84071.0
  • Lot Size Units: Acres

Waterfront/View

  • Waterfront Features: Lake,Lake Front,Seawall,Shoreline - Natural,Boat Dock/Slip
  • Waterfront: true

Building Exterior/Construction

  • Architectural Style: Country
  • Attached Garage: false
  • Construction Materials: HardiPlank Type
  • Patio And Porch Features: Covered,Porch,Screened
  • Roof: Metal

General Information

  • Exterior Features: Boat Lift,Boat Slip,Boat Ramp,Dock,Porch
  • Fencing: Fenced
  • Other Structures: Boat House,Workshop
  • Pool Features: Community
  • Road Frontage Type: Private Road
  • Utilities: Electricity Available

Room Information

Room: Bedroom

  • Level: First
  • Dimensions: 18 x 148
  • Length: 18.0
  • Width: 148.0
  • Description: Guest Suite

Room: Bedroom

  • Level: First
  • Dimensions: 136 x 124
  • Length: 136.0
  • Width: 124.0
  • Description: w/Private Bath

Room: Den

  • Level: First
  • Dimensions: 13 x 15
  • Length: 13.0
  • Width: 15.0

Room: Garage

  • Level: First
  • Dimensions: 218 x 306
  • Length: 218.0
  • Width: 306.0

Room: Garage

  • Level: First
  • Dimensions: 20 x 215
  • Length: 20.0
  • Width: 215.0
  • Description: Garage/Workshop

Room: Great Room

  • Level: First
  • Dimensions: 198 x 196
  • Length: 198.0
  • Width: 196.0

Room: Other

  • Level: First
  • Dimensions: 334 x 154
  • Length: 334.0
  • Width: 154.0
  • Description: Lanai

Room: Other

  • Level: First
  • Dimensions: 15 x 173
  • Length: 15.0
  • Width: 173.0
  • Description: Cabana w/Outdoor Kitchen

Room: Primary Bedroom

  • Level: First
  • Dimensions: 196 x 144
  • Length: 196.0
  • Width: 144.0

9701 Summer Creek Drive Neighborhood

Community

32409 (Panama City) Demographics

43
Median Age
119
Population Density (per sq. mile)
23%
College Educated
$56,789
Estimated Median Income
3,369
Estimated Total Home Owners
422
Estimated Total Renters
89% / 11%
Estimated Owner / Renter Divide
3
Estimated Average Household Size
Community data courtesy of LiveBy, Inc.

Schools

School data courtesy of LiveBy, Inc. School ratings are based on a scale of 1-5, with 5 being the highest rating and 1 being the lowest rating.

9701 Summer Creek Drive Monthly Cost

$
$ %
%
$
$
* All calculations are estimates and provided by Reliance Network, for informational purposes only. Actual amounts may vary. ** Assumes 6.50% APR, 20% down payment, and conventional 30-year fixed rate first mortgage. Rates cited are for instructional purposes only; current rates are subject to change at any time without notice. You should not make any decisions based simply on the information provided. Additional required amounts such as taxes, insurance, homeowner association dues, assessments, mortgage insurance premiums, flood insurance or other such required payments should also be considered. Contact your mortgage company for current rates and additional information. Any mortgage broker or insurance agent that may appear is independent and is not affiliated with, endorsed by, or provided by the MLS.

9701 Summer Creek Drive Market Data

Based on the last 30 days in this zip code

$529,491
Average List Price
$221
Average Price per Square Foot
21
Properties Sold
64
Average Days on Market
154
Properties for Sale
Calculations provided by Reliance Network

9701 Summer Creek Drive History

Date Event Value Agent
6/3/2026Source: Central Panhandle MLS Added to Database
June 03, 2026