Turtle Lake Apartments

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4324 W 20th St, Panama City, FL 32405
(850) 818-9419
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Turtle Lake in Panama City, FL - Building Photo

Turtle Lake

4324 W 20th St
Panama City, FL 32405
(850) 818-9419
  • 1-3 Bedrooms
  • $1,180 - $1,758Available Unit Pricing
  • 700-1,300Square Feet

Rent Specials

Move in Special!~~$300 off December Rent if you move in November! Call office for details today!

Ask Us About Our Specials

About Turtle Lake

Turtle Lake Apartment Homes offers a variety of floor plans to suit the individual needs and tastes of all of our residents. Our floor plans include such features as modern kitchens with a built in breakfast bar, walk-in closets, and private storage room in select units. If you are looking for privacy, then Turtle Lake Apartment Homes is your choice! We are located among 23 acres of naturally landscaped lakeside seclusion. In addition to the stunning views you will have as one of our residents, you will also enjoy the location of our community here in Panama City. We are within minutes of the gorgeous white sandy beaches of the Emerald Coast. Both Florida State University at Panama City and Gulf Coast State College are within walking distance to our community. There are several shopping centers, restaurants, and schools nearby.

Turtle Lake is located in the 32405 Zip code of Panama City, FL. This community is professionally managed by Dial Equities, a NE Corp d/b/a Haley Residential

Unique Features and Amenities

  • Boat/RV Parking Area
  • Breakfast Bar
  • Fishing lake
  • Large Walk-In Closets*
  • Online Payments Available
  • Patio Or Balcony
  • Upgraded 1 Bedroom*
  • Upgraded 2 Bedroom*
  • Upgraded 3 Bedroom*
  • Washer/dryer Connections*

See All Amenities

Property Contact Info

Floorplan Pricing and Availability

Turtle Lake offers 1 to 3 Bedroom apartments starting from $1,180 and having 700-1,300 sqft. Here is the current pricing and availability:

  • 1 Bedroom

    From $1,180

    Floorplan A1

    1 Bed, 1 Bath, 700 sq ftAvailable Now

    Availability Details

    PriceAvailability DateUnitSq FtDepositView Details
    $1,205Available NowN149700$500
    $1,205 December 20, 2024N148700$500
    $1,180 December 31, 2024N249700$500

    Model Amenities and Features

    Kitchen

    • Dishwasher

    Model Rent and Fees

    Price Range

    • $1,180 - $1,205

    Available Unit Pricing

    • $1,180 - $1,205

    Deposit

    • $500 deposit

    Unit N149 Amenities and Features

    Kitchen

    • Dishwasher

    Unique Features

    • Upgraded 1 Bedroom*

    Unit N149 Rent and Fees

    Price

    • $1,205

    Deposit

    • $500 deposit

    Model Rent and Fees

    Price

    • $1,180 - $1,205

    Unit N148 Amenities and Features

    Kitchen

    • Dishwasher

    Unique Features

    • Upgraded 1 Bedroom*

    Unit N148 Rent and Fees

    Price

    • $1,205

    Deposit

    • $500 deposit

    Model Rent and Fees

    Price

    • $1,180 - $1,205

    Unit N249 Amenities and Features

    Kitchen

    • Dishwasher

    Unit N249 Rent and Fees

    Price

    • $1,180

    Deposit

    • $500 deposit

    Model Rent and Fees

    Price

    • $1,180 - $1,205
  • 2 Bedrooms

    From $1,348

    Floorplan B2

    2 Beds, 1.5 Baths, 900 sq ftAvailable Now

    Availability Details

    PriceAvailability DateUnitSq FtDepositView Details
    $1,385Available NowU179900$500
    $1,385Available NowU183900$500
    $1,383 December 20, 2024Q162900$500

    Model Amenities and Features

    Kitchen

    • Dishwasher

    Model Rent and Fees

    Price Range

    • $1,348 - $1,399

    Available Unit Pricing

    • $1,383 - $1,399

    Deposit

    • $500 deposit

    Unit U179 Amenities and Features

    Kitchen

    • Dishwasher

    Unique Features

    • Upgraded 2 Bedroom*

    Unit U179 Rent and Fees

    Price

    • From $1,385

    Deposit

    • $500 deposit

    Model Rent and Fees

    Price

    • $1,348 - $1,399

    Unit U183 Amenities and Features

    Kitchen

    • Dishwasher

    Unit U183 Rent and Fees

    Price

    • From $1,385

    Deposit

    • $500 deposit

    Model Rent and Fees

    Price

    • $1,348 - $1,399

    Unit Q162 Amenities and Features

    Kitchen

    • Dishwasher

    Unique Features

    • Upgraded 2 Bedroom*

    Unit Q162 Rent and Fees

    Price

    • From $1,383

    Deposit

    • $500 deposit

    Model Rent and Fees

    Price

    • $1,348 - $1,399

    From $1,374

    Floorplan B1

    2 Beds, 1.5 Baths, 1000 sq ftCheapest 2 BedroomThis is the cheapest 2 Bedroom at this PropertyAvailable Now

    Availability Details

    PriceAvailability DateUnitSq FtDeposit
    $1,374Available NowJ3111000$500

    Unit J311 Amenities and Features

    Kitchen

    • Dishwasher

    Unique Features

    • Upgraded 2 Bedroom*

    Unit J311 Rent and Fees

    Price

    • From $1,374

    Deposit

    • $500 deposit

    Model Rent and Fees

    Price

    • $1,374 - $1,388

    From $1,429

    Floorplan B3

    2 Beds, 2 Baths, 1000 sq ftAvailable Now

    Availability Details

    PriceAvailability DateUnitSq FtDepositView Details
    $1,446Available NowD1251000$500
    $1,469 December 10, 2024H2391000$500
    $1,454 December 20, 2024H1381000$500

    Model Amenities and Features

    Features

    • Air Conditioning
    • Balcony
    • Cable Ready
    • Ceiling Fans
    • Heating
    • Storage Space
    • Tub/Shower
    • Washer/Dryer Hookup

    Kitchen

    • Dishwasher
    • Disposal
    • Kitchen
    • Oven
    • Range
    • Refrigerator

    Model Rent and Fees

    Price Range

    • $1,429 - $1,472

    Available Unit Pricing

    • $1,446 - $1,472

    Deposit

    • $500 deposit

    Unit D125 Rent and Fees

    Price

    • From $1,446

    Deposit

    • $500 deposit

    Model Rent and Fees

    Price

    • $1,429 - $1,472

    Unit H239 Amenities and Features

    Unique Features

    • Upgraded 2 Bedroom*

    Unit H239 Rent and Fees

    Price

    • From $1,469

    Deposit

    • $500 deposit

    Model Rent and Fees

    Price

    • $1,429 - $1,472

    Unit H138 Amenities and Features

    Unique Features

    • Upgraded 2 Bedroom*

    Unit H138 Rent and Fees

    Price

    • From $1,454

    Deposit

    • $500 deposit

    Model Rent and Fees

    Price

    • $1,429 - $1,472
  • 3 Bedrooms

    From $1,585

    Floorplan C1

    3 Beds, 2.5 Baths, 1100 sq ftAvailable Now

    Availability Details

    PriceAvailability DateUnitSq FtDepositView Details
    $1,605Available NowR3231100$500
    $1,585Available NowR3221100$500
    $1,585 December 20, 2024G3061100$500

    Model Amenities and Features

    Kitchen

    • Dishwasher

    Model Rent and Fees

    Price Range

    • $1,585 - $1,758

    Available Unit Pricing

    • $1,585 - $1,608

    Deposit

    • $500 deposit

    Unit R323 Amenities and Features

    Kitchen

    • Dishwasher

    Unit R323 Rent and Fees

    Price

    • From $1,605

    Deposit

    • $500 deposit

    Model Rent and Fees

    Price

    • $1,585 - $1,758

    Unit R322 Amenities and Features

    Kitchen

    • Dishwasher

    Unique Features

    • Upgraded 3 Bedroom*

    Unit R322 Rent and Fees

    Price

    • From $1,585

    Deposit

    • $500 deposit

    Model Rent and Fees

    Price

    • $1,585 - $1,758

    Unit G306 Amenities and Features

    Kitchen

    • Dishwasher

    Unique Features

    • Upgraded 3 Bedroom*

    Unit G306 Rent and Fees

    Price

    • From $1,585

    Deposit

    • $500 deposit

    Model Rent and Fees

    Price

    • $1,585 - $1,758

    From $1,660

    Floorplan C2

    3 Beds, 2 Baths, 1300 sq ftAvailable Now

    Availability Details

    PriceAvailability DateUnitSq FtDepositView Details
    $1,705Available NowA1011300$500
    $1,660Available NowA2011300$500
    $1,690Available NowE2301300$500

    Model Amenities and Features

    Kitchen

    • Dishwasher

    Model Rent and Fees

    Price Range

    • $1,660 - $1,734

    Available Unit Pricing

    • $1,660 - $1,708

    Deposit

    • $500 deposit

    Unit A101 Amenities and Features

    Kitchen

    • Dishwasher

    Unit A101 Rent and Fees

    Price

    • From $1,705

    Deposit

    • $500 deposit

    Model Rent and Fees

    Price

    • $1,660 - $1,734

    Unit A201 Amenities and Features

    Kitchen

    • Dishwasher

    Unit A201 Rent and Fees

    Price

    • From $1,660

    Deposit

    • $500 deposit

    Model Rent and Fees

    Price

    • $1,660 - $1,734

    Unit E230 Amenities and Features

    Kitchen

    • Dishwasher

    Unit E230 Rent and Fees

    Price

    • From $1,690

    Deposit

    • $500 deposit

    Model Rent and Fees

    Price

    • $1,660 - $1,734
* Price shown is base rent and may not include non-optional fees and utilities. View Fees and Policies for details. Price, availability, fees, and any applicable rent special are subject to change without notice.

Schedule a Tour

Schedule a Tour
Call us at: (850) 818-9419 to schedule a tour.

Property Information

  • Renovated In Jul 2020
  • 200 Units
  • 2 Stories
  • Built in 1978

Pet Policy

Pet Policy - Cats

  • Cats Allowed
  • 2 Pet Limit
  • We Love Our Furry Friends! Two Pets Allowed. Non Refundable Pet Fee Per Pet. One Time Fee: 1 25 Lbs $300 / 26 50 Lbs $400 / 51 70 Lbs $600
  • $10 Monthly Pet Rent

Pet Policy - Dogs

  • Dogs Allowed
  • $10 Monthly Pet Rent
  • 2 Pet Limit
  • We Love Our Furry Friends! Two Pets Allowed. Non Refundable Pet Fee Per Pet. One Time Fee: 1 25 Lbs $300 / 26 50 Lbs $400 / 51 70 Lbs $600

Parking Fees & Info

Parking Other

  • Other

Fee & Deposit Info

One-Time Fees

  • $100 Admin Fee
  • $50 Application Fee

3D Tours

Features and Amenities

Unique Amenities

  • Boat/RV Parking Area
  • Breakfast Bar
  • Fishing lake
  • Large Walk-In Closets*
  • Online Payments Available
  • Patio Or Balcony
  • Upgraded 1 Bedroom*
  • Upgraded 2 Bedroom*
  • Upgraded 3 Bedroom*
  • Washer/dryer Connections*

On-Site Services

  • Car Wash Area
  • Online Services
  • Renters Insurance Program
  • Laundry Facilities

Community Features

  • Clubhouse
  • Walk Up

Outdoor Features

  • Courtyard
  • Cabana
  • Lake Access
  • Patio

Recreation and Fitness

  • Bicycle Storage
  • Playground
  • Pool

Interior Features

  • Balcony
  • Storage Space
  • Ceiling Fans
  • Heating
  • Tub/Shower
  • Cable Ready
  • Washer/Dryer Hookup
  • Air Conditioning

Kitchen Amenities

  • Dishwasher
  • Oven
  • Range
  • Refrigerator
  • Kitchen
  • Disposal

Living Area Features

  • Walk In Closets
  • Dining Room
  • Linen Closet
  • Views
  • Window Coverings
  • Vinyl Flooring
  • Carpet
Google Map

Map

4324 W 20th St, Panama City, FL 32405

Hours and Contact Info

Call Us - Open Now!
Currently Closed
By Appointment
Monday10:00 am - 5:30 pm
Tuesday 8:30 am - 5:30 pm
Wednesday10:00 am - 5:30 pm
Thursday 8:30 am - 5:30 pm
Friday 8:30 am - 5:30 pm
Saturday10:00 am - 2:00 pm
SundayClosed

Getting Around

Walk Score®

32 / 100

Car-Dependent

Most errands require a car

Bike Score®

43 / 100

Somewhat Bikeable

Minimal bike infrastructure

Transit Score®

28 / 100

Some Transit

A few nearby public transportation options

Frequently Asked Questions about Turtle Lake

Where is Turtle Lake located?

Turtle Lake is located at 4324 W 20th St, Panama City, FL

What is the current rent range at Turtle Lake?

1 Bedroom to 3 Bedroom Apartments at Turtle Lake currently range from $1,180 to $1,758

When is the leasing office open?

  • The office Hours for Turtle Lake are
  • Monday 10:00 am - 5:30 pm
  • Tuesday 8:30 am - 5:30 pm
  • Wednesday 10:00 am - 5:30 pm
  • Thursday 8:30 am - 5:30 pm
  • Friday 8:30 am - 5:30 pm
  • Saturday 10:00 am - 2:00 pm
  • Sunday Closed

Are pets allowed?

Yes. Pets are allowed at Turtle Lake. Call us today for info on moving here with your pet.

Are there any rent specials?

The current rent special at Turtle Lake is: Move in Special!~~$300 off December Rent if you move in November! Call office for details today!.

Lifestyle Ratings

  • Affordability Nice Value3.4

    The Turtle Lake Apartments are 18.37% cheaper than the average apartment city-wide.

    Rent Comparison to the city of Panama City

    FloorplanLowest Price HereCity Average RentCost Difference%
    1 Bedroom$1,180$1,430-$250-17.5%
    2 Bedroom$1,348$1,651-$303-18.4%
    3 Bedroom$1,585$1,961-$376-19.2%

    Methodology: On 11/26/2024, ApartmentHomeLiving.com compared current rents by floorplan to 266 other apartment communities in Panama City using today’s up-to-date pricing using the sum/count averaging formula. This data will be updated in real-time as prices fluctuate.

    Rent Pricing Data as of 11/26/2024

  • Active Lifestyle 3.2

    From fitness centers to pools to putting greens, Active Lifestyle apartments feature local listings with the most amenities that support an always active lifestyle.

    Rating Factors

    This 3.2-star Active Lifestyle rating is based on the following features:

    • Lake Access
    • Bicycle Storage
    • Swimming Pool(s)
    • Playground(s)
    • Storage Spaces
    • Patios
  • Outdoors 3.0

    The Outdoors rating shows the apartment listings on ApartmentHomeLiving.com with the top amenities and features for renters who love the outdoor lifestyle.

    Rating Factors

    This 3.0-star Outdoors rating is based on the following features:

    • Lake Access
    • Balconies
    • Patios
    • Bicycle Storage
    • Storage Spaces
    • Courtyard
    • Cabana(s)
    • Swimming Pool(s)
Learn more about Lifestyle Search

Renters Reviews and Ratings

4.0
15 Renters Reviews
ⓘ How is this Rating Determined?The property ratings on ApartmentHomeLiving.com are created using a 5-star scale that includes average renter review scores combined with building ratings to determine an overall blended property score.

Building ratings are based on a community’s features, including the building design, construction, exterior spaces, and amenities. To learn more about the CoStar Building Rating System, refer to our official guidelines here.
  • Disaster relief

    January 24, 2019
    Everyone had some degree of suffering during hurricane Michael but turtle lake was very good to us. First and foremost, in the aftermath of the disaster all residents had rent waved for 3 months, because of that we had time to look for new jobs, pay all our overdue bills and we were able to do Christmas which was a HUGE blessing. Second, the staff has always been nothing but kind and understanding and bend over backwards to meet any requests we have. Unfortunately, maintenance is very ...
    understaffed but such can't be helped considering the situation and isn't permanent and will be remedied with due time. Even considering such they work as fast as possible. lastly, the community and residents mostly keep to themselves and are quiet. The only negative thing I can say about turtle lake is the pest control company they hire (Brock) isn't worth the spare change I'm required to throw their way every month. I was also sad to see all the beautiful trees that survived get cut down. This was the first apartment my boyfriend and I have ever lived in together but we were well taken care of. I can only hope that our next apartment complex out of state will be even half as good. And I can assure you that once all the repairs are done they are going to be beautiful.
    • Property Manager Responded

      February 1, 2019
      Dear Anonymous, We appreciate your feedback! The devastation caused by Hurricane Michael has been extremely difficult for everyone in our area. We are glad that we could help our residents when they needed it the most. We will continue to make the needed repairs to our community and are looking for additional staffing in our maintenance department. We will share the thoughts about the pest control service to see where we can make improvements. Thank you again for sharing your thoughts. Let us know if your plans change and you decide to relocate to Panama City in the future. We would love to have you back with us. Sincerely, Shalonda Community Manager
    Read More
    Review from Apartments.com
  • ROACHES!! ROACHES!!

    February 6, 2018
    I have been dealing with an ongoing roach problem for over 8 months now which the management has been informed ever since July of 2017 it's now February of 2018 and the management refuses to do anything about this. The first year no signs of any roaches when I got new neighbors the issue began and it has yet to be resolved.
    Review from Apartments.com
  • Worst place to live

    May 4, 2017
    The staff will tell change paperwork on you without telling you and put you in a different apartment than the one they say they show you, but by then you've already signed your lease. Very very sneaky company. It has changed ownership at least twice since I have lived here in 1 year. There are raccoons in the dumpsters at night, ducks poop on your porch, there is trash left out everywhere. Not a clean environment. They just want you to sign that lease. I highly DO NOT recommend. Good luck.
    Review from Apartments.com
  • Great Space, Quiet and I Love the Staff

    June 23, 2016
    I moved here about a year ago and have really enjoyed it here. The apartment is beautiful and I love the location. It's in the city and close to everything but doesn't have that busy, "city" vibe. The ladies in the office are great and always willing to help and the maintenance staff are friendly and take care of my work orders very quickly. I also really like that I can pay my rent and put maintenance requests in online. I pay all my other bills online and here I can even pay my rent online. All ...
    around it's a great place to live! I love it here!!!
    Read More
    Review from Apartments.com
  • Not a bad place overall

    August 4, 2015
    I have lived here at Turtle Lake Apartments for over a year now for school. For being nearly directly across the street from Gulf Coast State College, the rent is reasonable. The 2B2B is spacious and well laid out. The walkway in front of the apartments of building D does tend to flood during really rainy days, but it doesn't stand for more than a few hours. Maintenance issues are resolved within the hour usually, the the maintenance guys here are A
    Review from Apartments.com
  • Another year renewed

    February 15, 2014
    I've lived here since November 2012. The office staff is super sweet and helpful. I feel safe living here, and have had little to no issues whatsoever. I can honestly say that for the affordable price, this is the best apartment community I've lived in. Everyone is very nice and helpful, and it's super convenient living here because of it's location.
    Review from Apartments.com
  • Awesome place to live!

    June 26, 2014
    All of the residents here are so friendly. We are like a big family. The pool is amazing and it over looks the lake. If there is ever a maintenance issue, they come immediately to address it. Rent is reasonable. It is a quiet community. And we r getting a brand new custom built playground. We just renewed our lease for another year because we love it so much!
    Review from Apartments.com
  • I love living here, wouldnt live anywhere else!!

    June 10, 2014
    I moved here about three years ago, and I never plan on leaving! Turtle lake gives you good value for the price. My grandchildren are able to go to the newly built playground, and enjoy the large pool. I think they love the amenities more than there own home. They host great socializing parties and holiday events such as Easter, where I can meet my neighbors and new people. Thank you turtle lake for providing me a great place to live at a great price!
    Review from Apartments.com
  • A very good community to live at.

    December 5, 2013
    I have lived at Turtle Lake apartments in Panama city Florida for over 3 years and I can say that they have come a long way in improving the living standards of theis apartment complex coupled with a new management team which strives to satiisfy its tenants to the fullest.
    Review from Apartments.com
  • life is great at turtle lake!

    July 9, 2014
    My fiance and I Have lived in turtle lake for almost three years and are not planning on moving any time soon. The staff of the complex are friendly prompt and professional. The grounds and pool are always kept neat and well manicured. Overall a wonderful place to live and call home.
    Review from Apartments.com
  • I love this apartment!

    April 8, 2014
    This is the best, it's the most amazing experience for your family. It's very peaceful and calm. Very nice settings, I love everything about Turtle Lake! Can't wait to become apart of the community!
    Review from Apartments.com
  • Turtle Lake

    November 13, 2014
    Nice complex but does need some updating to impose rent increases.Overall I am happy with the complex.
    Review from Apartments.com

Nearby Schools

Bay Virtual Instruction Program

  • Bay
  • 1515 June Avenue
  • 5 min drive/2.4 mi away
  • Public School - Grades K-12 (7 Students)
  • In Attendance Zone

Bay Virtual Instruction (Course Offerings)

  • Bay
  • 1515 June Avenue
  • 5 min drive/2.4 mi away
  • Public School - Grades 9-12 (0 Students)
  • In Attendance Zone

Bay Virtual Franchise

  • Bay
  • 1515 June Avenue
  • 5 min drive/2.4 mi away
  • Public School - Grades K-12 (66 Students)
  • In Attendance Zone
6out of 10

Bay High School

  • Bay
  • 1200 Harrison Avenue
  • 7 min drive/3.6 mi away
  • Public School - Grades 9-12 (1255 Students)
  • In Attendance Zone
5out of 10

Lucille Moore Elementary School

  • Bay
  • 1900 Michigan Avenue
  • 2 min drive/0.7 mi away
  • Public School - Grades PK-5 (503 Students)
  • In Attendance Zone
5out of 10

Jinks Middle School

  • Bay
  • 600 West 11th Street
  • 6 min drive/3.2 mi away
  • Public School - Grades 6-8 (570 Students)
  • In Attendance Zone
2out of 10
School data provided by GreatSchools.
details
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 scale of 1 (below average) and 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 needs as part of the school selection process.

About GreatSchools Data on ApartmentHomeLiving.com.

Points of Interest

Time and distance from Turtle Lake.

Big Box and RetailAddressDriveDistance
Publix3204 Heartleaf Ave E6 min3.0 mi
Target2340 Martin Luther King Jr Blvd8 min4.1 mi
Kohl's2610 Martin Luther King Jr Blvd9 min4.2 mi
Colleges and UniversitiesAddressDriveDistance
Gulf Coast State College - Panama City Campus5230 West Highway 981 min0.5 mi
Gulf Coast State College - North Bay Center637 Highway 230018 min8.7 mi
GroceriesAddressDriveDistance
Publix3204 Heartleaf Ave E6 min3.0 mi
Save-A-Lot902 Ohio Ave12 min5.8 mi
HospitalsAddressDriveDistance
Gulf Coast Regional Medical Center449 W 23rd St6 min3.1 mi
Emerald Coast Behavioral Hospital1940 Harrison Ave7 min3.5 mi
Ascension Sacred Heart Bay615 N Bonita Ave9 min4.6 mi
Military BasesAddressDriveDistance
Naval Coastal Systems Center4 min2.3 mi
Shopping CentersAddressDriveDistance
Holiday Plaza6608 W Highway 981 min0.4 mi
College PlazaHwy 982 min0.7 mi
St Andrews Plaza2913 W Highway 983 min1.2 mi

Turtle Lake has 3 shopping centers within 1.2 miles.

Nearby Neighborhoods

1 to 4 Bedroom Apartments from $886
View Rentals
Studio to 3 Bedroom Apartments from $499
View Rentals

Rental Price Ranges in the Area

BedroomAverage RentCheapest RentHighest Rent
Panama City Studio Apartments $934$905$979
Panama City 1 Bedroom Apartments $1,430$499$1,799
Panama City 2 Bedroom Apartments $1,651$607$2,400
Panama City 3 Bedroom Apartments $1,961$706$3,000
Panama City 4 Bedroom Apartments $2,177$1,735$2,500

Browse Top Apartments in Panama City

By Price

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Viewing: Turtle Lake | Desktop Version | Listing Updated: 11/25/2024 | AHLGLD