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Updated 1 hour ago

Turtle Lake

VERIFIED

4324 W 20th St Panama City, FL

4.2 5 reviews
1 - 3 Bed
•
1 - 2 Bath

700 - 1,300 Sq. Ft.

Available Now
Deal

$500 Off First Months Rent
Must sign a 12-month lease. Offer ends 12/31/25. Additional terms and conditions may apply.
Floor plans
1 Bed • 1 Bath
$1,165 - $1,200
700 ft2
6 Available
P259
$1,165
Available Now
View
N247
$1,165
Available Now
View
B106
$1,200
Available Now
View
C116
$1,190
Available Dec 9th, 2025
View
N249
$1,165
Available Jan 17th, 2026
View
P253
$1,165
Available Jan 22nd, 2026
View
View Rented Units
2 Beds • 1 Bath
$1,305 - $1,330
900 ft2
3 Available
U284
$1,305
Available Now
View
U183
$1,330
Available Now
View
Q161
$1,320
Available Dec 6th, 2025
View
View Rented Units
2 Beds • 2 Bath
$1,335 - $1,360
1000 ft2
5 Available
D227
$1,335
Available Now
View
D123
$1,360
Available Dec 13th, 2025
View
H138
$1,360
Available Dec 13th, 2025
View
H133
$1,360
Available Dec 16th, 2025
View
D224
$1,335
Available Jan 20th, 2026
View
View Rented Units
3 Beds • 2 Bath
$1,595 - $1,615
1100 ft2
4 Available
G307
$1,595
Available Now
View
K314
$1,595
Available Dec 31st, 2025
View
R323
$1,615
Available Jan 7th, 2026
View
K313
$1,615
Available Jan 7th, 2026
View
3 Beds • 2 Bath
$1,645 - $1,675
1300 ft2
6 Available
A203
$1,645
Available Now
View
M241
$1,665
Available Now
View
E230
$1,675
Available Jan 7th, 2026
View
M242
$1,645
Available Jan 16th, 2026
View
A204
$1,645
Available Jan 16th, 2026
View
E229
$1,675
Available Jan 16th, 2026
View
View Rented Units
Where you'll live
Street View
Map View
Satellite View
Turtle Lake
Turtle Lake
Turtle Lake
Amenities
On-site Laundry
Washer / Dryer Connections
Air Conditioning
Refrigerator
Pool
Walk In Closets
Large Closets
Dishwasher
Balcony, Deck, Patio
Boat/rv Parking Area
Large Closets
Fishing Lake
Car Care Center
Online Community Portal
Online Payments
Clubhouse
24-hour Maintenance
Secured Entry
High-speed Internet
Cable-ready
Range / Oven
Living Room
Catch & Release Fishing Lake
Parking
On Site Maintenance
Breakfast Bar
Playground
Fees & leasing info
Pets
Dogs Ok
Cats Ok
Pet Friendly Community
Pet Fee: $300.00
Other:

We are a pet-friendly community! 2 pets max.

Pet Rent: $10.00
Parking
Off-street Parking
Lease & Fees
Lease Length:

None

Property details
Description

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.

Additional Details
Year Built: 1978
Total Unit Count: 199
Last Updated: Updated 1 hour ago
Contact Number: (448) 652-6995
Property manager information
Haley Residential
8712 West Dodge Road Suite 400 Omaha, NE 68114
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Office Hours
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
Internet Providers
Provider Max Download Speed (Mbps) Max Upload Speed (Mbps)
AT&T Inc. 1000.0 1000.0
WideOpenWest Finance, LLC 1000.0 50.0
WideOpenWest Finance, LLC 1000.0 50.0
Comcast Corporation 987.0 35.0
ViaSat, Inc. 35.0 3.0
Data from June 2020 provided by the FCC
Social media posts
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Reviews
Turtle Lake
4.2
5 reviews
Dewayne
April 23, 2022
The staff is just exceptional extremely easy to talk to, helpful and very professional. And the Apartment is just perfect. I would recommend turtle...
Read More
Kasie
April 23, 2022
The office staff are amazing! They have always been super helpful with anything we need. Maintenance typically happens promptly. My only reason for 4...
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miles
April 22, 2022
Older apartments, small kitchen. But good size living room, dining room and bedrooms for two bedroom apartment my girlfriend (now wife) and I lived...
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Chris
April 19, 2022
Lived here 2+ years currently and so far, i have few complaints. We love our apartment, the pool is well maintained and maintenance is...
Read More
Meaghan
April 18, 2022
After losing our home in the Hurricane, finding somewhere to live was a challenge. It was hard to transition from a home to an...
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Photos Floor Plans Amenities Reviews
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Affordability
To comfortably afford an apartment, we recommend having at least three times your monthy rent in gross household income.
View suggested annual incomes for Turtle Lake by bedroom type below.
1 Bedroom
Suggested income:
$42,300
per year
2 Bedroom
Suggested income:
$48,200
per year
3 Bedroom
Suggested income:
$58,900
per year
Rent report

Turtle Lake Rent vs. Panama City Average

 Turtle Lake      Panama City Average
1BR
$1,175
$1,274
$0
$450
$900
$1,350
$1,800
2BR
$1,338
$1,430
$0
$500
$1,000
$1,500
$2,000
3BR
$1,637
$1,912
$0
$650
$1,300
$1,950
$2,600

Turtle Lake is asking 8% less than the average 1 bedroom apartment in Panama City.

If you upsized to an average priced Panama City 2 bedroom apartment, you would pay 11% more per month.

If you downsized to an average priced Panama City studio apartment, you would pay 34% less per month.

Turtle Lake provides 1% more square footage than the average Panama City 1 bedroom apartment.

Monthly Rent Rent per Sq. Ft. Suggested
Monthly Income
Turtle Lake
1BR $1,175 $1.70 $3,525
2BR $1,338 $1.40 $4,014
3BR $1,637 $1.30 $4,911
Panama City Average
Studio $950 $3.80 $2,850
1BR $1,274 $1.80 $3,821
2BR $1,430 $1.40 $4,290
3BR $1,912 $1.40 $5,736
4BR $2,334 $1.20 $7,002

Availability in Panama City

In order to find the best deal, you need to know what types of units are available. Property managers may be willing to give concessions if they have many vacant units.

There are currently 69 2BR units on the market in Panama City. If you're looking to negotiate, this may be your best option.

Studio
1BR
2BR
3BR
4BR
2% 20% 37% 32% 7%
Available Units in Panama City
Studio 4
1BR 38
2BR 69
3BR 59
4BR 14
Location
Nearby Hospitals
Name Distance
Encompass Health Emerald Coast Rehabilitation Of Panama City 2.92 mi.
Gulf Coast Medical Center 3.15 mi.
Emerald Coast Behavioral Hospital 3.59 mi.
Nearby Fire Stations
Name Distance
Thomas Drive Volunteer Fire Department, Inc. 3.75 mi.
Springfield Fire Department 4.11 mi.
Panama City Fire Department 4.11 mi.
FAQs
Is this property currently leasing units?
Yes. There are 24 available units at this property.
How many units are move-in ready in the next 2 months?
This property has 24 units available for move-in over the next 2 months. 9 units are vacant and ready for immediate occupancy.
What's the square footage of the available units?
The available units range from 700 to 1,300 square feet.
Does this property allow cats or dogs?
This property allows tenants to keep cats and dogs.
How many bedrooms are in the available units?
There are 1, 2 and 3 bedroom units available.
How many bathrooms are in the available units?
There are 1 and 2 bathroom units available.
What's the monthly rent at this property?
Rent on available units ranges from $1,165 to $1,675. Turtle Lake has 1 bedroom units available starting at $1,165, 2 bedroom units available starting at $1,305, and 3 bedroom units available starting at $1,595.
Where is this property located?
This property is at 4324 W 20th St in Panama City, FL. It's 4.2 miles northwest from the center of Panama City.
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