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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

Two Months Free Rent!
Must apply within 24 hours of tour. 12 month lease. Must move in by 4/30/26. Additional terms and conditions may apply.
Floor plans
1 Bed • 1 Bath
$1,135 - $1,170
700 ft2
4 Available
N248
$1,135
Available May 9th, 2026
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B105
$1,170
Available May 13th, 2026
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P154
$1,160
Available May 16th, 2026
View
C217
$1,135
Available May 30th, 2026
View
View Rented Units
2 Beds • 1 Bath
$1,285 - $1,330
900 ft2
7 Available
U177
$1,295
Available Now
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Q263
$1,295
Available Now
View
U284
$1,305
Available Now
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Q161
$1,320
Available Now
View
U180
$1,330
Available Now
View
Q162
$1,320
Available Apr 11th, 2026
View
U281
$1,285
Available Apr 16th, 2026
View
View Rented Units
2 Beds • 2 Bath
$1,330 - $1,390
1000 ft2
7 Available
S170
$1,330
Available Now
View
S271
$1,335
Available Now
View
H234
$1,335
Available Now
View
S169
$1,390
Available Now
View
S173
$1,360
Available May 14th, 2026
View
D121
$1,360
Available Jun 12th, 2026
View
D127
$1,360
Available Jun 13th, 2026
View
View Rented Units
2 Beds • 1 Bath
$1,325
1000 ft2
1 Available
F302
$1,325
Available Jun 9th, 2026
View
3 Beds • 2 Bath
$1,545 - $1,565
1100 ft2
3 Available
G306
$1,545
Available Now
View
K314
$1,545
Available Now
View
R323
$1,565
Available Now
View
View Rented Units
3 Beds • 2 Bath
$1,595 - $1,625
1300 ft2
6 Available
M243
$1,595
Available Now
View
A204
$1,595
Available Now
View
M242
$1,595
Available Now
View
M244
$1,615
Available Now
View
E230
$1,625
Available Now
View
E229
$1,625
Available Now
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
Storage
Refrigerator
Pool
Walk In Closets
Online Community Portal
Vinyl Flooring
Living Room
Cable-ready
High-speed Internet
Secured Entry
24-hour Maintenance
Clubhouse
Online Payments
Black Appliances
Car Care Center
Fishing Lake
Large Closets
Boat/rv Parking Area
Large Closets
Balcony, Deck, Patio
Microwave
Range / Oven
Catch & Release Fishing Lake
Parking
On Site Maintenance
Breakfast Bar
Dishwasher
Playground
Carpet
Window Coverings
Ice Maker
Central A / C
Ceiling Fans
Package Receiving
Bike Storage
Private Entrance
Disposal
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: (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...
Read More
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...
Read More
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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:
$41,400
per year
2 Bedroom
Suggested income:
$47,800
per year
3 Bedroom
Suggested income:
$57,200
per year
Rent report

Turtle Lake Rent vs. Panama City Average

 Turtle Lake      Panama City Average
1BR
$1,150
$1,244
$0
$450
$900
$1,350
$1,800
2BR
$1,330
$1,392
$0
$500
$1,000
$1,500
$2,000
3BR
$1,589
$1,966
$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 9% more per month.

Turtle Lake provides 10% more square footage than the average Panama City 1 bedroom apartment.

Monthly Rent Rent per Sq. Ft. Suggested
Monthly Income
Turtle Lake
1BR $1,150 $1.60 $3,450
2BR $1,330 $1.40 $3,989
3BR $1,589 $1.30 $4,768
Panama City Average
Studio $1,371 $3.00 $4,114
1BR $1,244 $1.90 $3,732
2BR $1,392 $1.40 $4,177
3BR $1,966 $1.40 $5,898
4BR $2,787 $1.20 $8,362

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 28 available units at this property.
How many units are move-in ready in the next 2 months?
This property has 25 units available for move-in over the next 2 months. 18 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 $1,135 to $1,625. Turtle Lake has 1 bedroom units available starting at $1,135, 2 bedroom units available starting at $1,285, and 3 bedroom units available starting at $1,545.
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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