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Updated 1 hour ago

Turtle Lake

VERIFIED

4324 W 20th St Panama City, FL

4.2 5 reviews
2 - 3 Bed
•
1 - 2 Bath

900 - 1,300 Sq. Ft.

Available Now
Floor plans
1 Bed • 1 Bath
$1,130 - $1,190
700 ft2
0 Available
N151
$1,190
Rented
View
N145
$1,190
Rented
View
C116
$1,160
Rented
View
P160
$1,130
Rented
View
P259
$1,135
Rented
View
N249
$1,135
Rented
View
P253
$1,135
Rented
View
C117
$1,160
Rented
View
C215
$1,135
Rented
View
B109
$1,170
Rented
View
2 Beds • 2 Bath
$1,345 - $1,470
1000 ft2
5 Available
H234
$1,345+
Available Now
View
S273
$1,345+
Available Sep 5th, 2026
View
S276
$1,355+
Available Sep 26th, 2026
View
D124
$1,370+
Available Sep 26th, 2026
View
D125
$1,370+
Available Oct 3rd, 2026
View
View Rented Units
2 Beds • 1 Bath
$1,305 - $1,405
900 ft2
2 Available
U278
$1,305+
Available Now
View
Q266
$1,305+
Available Sep 19th, 2026
View
View Rented Units
2 Beds • 1 Bath
$1,220 - $1,320
1000 ft2
1 Available
L318
$1,220+
Available Sep 4th, 2026
View
View Rented Units
3 Beds • 2 Bath
$1,605 - $1,735
1300 ft2
5 Available
A104
$1,630+
Available Aug 29th, 2026
View
M243
$1,605+
Available Nov 3rd, 2026
View
M242
$1,605+
Available Nov 3rd, 2026
View
M244
$1,625+
Available Nov 3rd, 2026
View
E229
$1,635+
Available Nov 3rd, 2026
View
View Rented Units
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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
Storage
Refrigerator
Pool
Walk In Closets
Vinyl Flooring
Living Room
Cable-ready
High-speed Internet
Secured Entry
24-hour Maintenance
Online Payments
Online Community Portal
Car Care Center
Fish
Fishing Lake
Balcony, Deck, Patio
Bird
Boat/rv Parking Area
Large Closets
Microwave
Playground
Breakfast Bar
On Site Maintenance
Parking
Catch & Release Fishing Lake
Range / Oven
Dishwasher
Carpet
Black Appliances
Ice Maker
Central A / C
Ceiling Fans
Package Receiving
Bike Storage
Private Entrance
Disposal
Window Coverings
Fees & leasing info
Pets
Dogs Ok
Cats Ok
Pet Friendly Community
Pet Fee: $300.00
Other:

We are a pet-friendly community! 



The following breeds or mix of breeds are not permitted within the community: Pit Bull, American Staffordshire Terrier, Rottweiler, and Presa Canario. There is a maximum of two pets per household, not to exceed 95 lbs each. Breeding of any animals is strictly prohibited.

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

12 months

Security Deposit:

$300

Other:

Application Deposit $200

Application Fee:

$50 per person

Admin Fee:

$100

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: (833) 690-0628
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...
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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...
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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.
2 Bedroom
Suggested income:
$47,700
per year
3 Bedroom
Suggested income:
$58,300
per year
Rent report

Turtle Lake Rent vs. Panama City Average

 Turtle Lake      Panama City Average
2BR
$1,327
$1,408
$0
$500
$1,000
$1,500
$2,000
3BR
$1,620
$4,010
$0
$1,350
$2,700
$4,050
$5,400

Turtle Lake is asking 60% less than the average 3 bedroom apartment in Panama City.

If you upsized to an average priced Panama City 4 bedroom apartment, you would pay 77% less per month.

If you downsized to an average priced Panama City 2 bedroom apartment, you would pay 185% less per month.

Turtle Lake provides 8% less square footage than the average Panama City 3 bedroom apartment.

Monthly Rent Rent per Sq. Ft. Suggested
Monthly Income
Turtle Lake
2BR $1,327 $1.40 $3,981
3BR $1,620 $1.20 $4,860
Panama City Average
Studio $1,313 $3.30 $3,938
1BR $1,184 $1.90 $3,553
2BR $1,408 $1.40 $4,223
3BR $4,010 $2.80 $12,030
4BR $2,266 $1.20 $6,798

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 114 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
1% 20% 42% 33% 4%
Available Units in Panama City
Studio 3
1BR 54
2BR 114
3BR 90
4BR 10
FAQs
Is this property currently leasing units?
Yes. There are 13 available units at this property.
How many units are move-in ready in the next 2 months?
This property has 9 units available for move-in over the next 2 months. 2 units are vacant and ready for immediate occupancy.
What's the square footage of the available units?
The available units range from 900 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 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 $1,220 to $1,730. Turtle Lake has 2 bedroom units available starting at $1,220 and 3 bedroom units available starting at $1,630.
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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