Photos
- 1–3 Bedrooms
- $1,181–$1,758Available Unit Pricing
- 700–1,300Square Feet
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*
Property Contact Info
Floorplan Pricing and Availability
Turtle Lake offers 1 to 3 Bedroom apartments starting from $1,181 and having 700–1,300 sq ft. Here is the current pricing and availability:
New! Interactive Property Map
ApartmentHomeLiving.com's new Interactive Property Map allows you to see where every available unit is located at this community.Try It Now >1 Bedroom
From $1,181
Floorplan A1
1 Bed, 1 Bath, 700 sq ftAvailable NowModel Gallery
Floorplans
Availability Details
Price Availability Date Unit Sq Ft Deposit View Details $1,206 Available Now N148 700 $500 $1,216 Available Now B109 700 $500 $1,181 Available Now B208 700 $500 Model Amenities and Features
Kitchen
- Dishwasher
Model Rent and Fees
Price Range
- $1,181 - $1,216
Available Unit Pricing
- $1,181 - $1,216
Deposit
- $500 deposit
Unit N148 Amenities and Features
Kitchen
- Dishwasher
Unique Features
- Upgraded 1 Bedroom*
Unit N148 Rent and Fees
Price
- $1,206
Deposit
- $500 deposit
Model Rent and Fees
Price
- $1,181 - $1,216
Unit B109 Amenities and Features
Kitchen
- Dishwasher
Unique Features
- Upgraded 1 Bedroom*
Unit B109 Rent and Fees
Price
- $1,216
Deposit
- $500 deposit
Model Rent and Fees
Price
- $1,181 - $1,216
Unit B208 Amenities and Features
Kitchen
- Dishwasher
Unique Features
- Upgraded 1 Bedroom*
Unit B208 Rent and Fees
Price
- $1,181
Deposit
- $500 deposit
Model Rent and Fees
Price
- $1,181 - $1,216
Apartment Model: A1From $1,1811 Bedroom, 1 Bath, 700 sq ftAvailable Now![]()
A1 - Floorplan 1 Apartment Unit: N148Apartment Model: A1$1,2061 Bedroom, 1 Bath, 700 sq ftAvailable NowApartment Unit: B109Apartment Model: A1$1,2161 Bedroom, 1 Bath, 700 sq ftAvailable NowApartment Unit: B208Apartment Model: A1$1,1811 Bedroom, 1 Bath, 700 sq ftAvailable Now2 Bedrooms
From $1,347
Floorplan B2
2 Beds, 1.5 Baths, 900 sq ftCheapest 2 BedroomThis is the cheapest 2 Bedroom at this PropertyAvailable NowModel Gallery
Floorplans
Availability Details
Price Availability Date Unit Sq Ft Deposit View Details $1,392 Available Now U183 900 $500 $1,347 Available Now U281 900 $500 $1,382 Available Now Q167 900 $500 Model Amenities and Features
Kitchen
- Dishwasher
Model Rent and Fees
Price Range
- $1,347 - $1,395
Available Unit Pricing
- $1,347 - $1,395
Deposit
- $500 deposit
Unit U183 Amenities and Features
Kitchen
- Dishwasher
Unit U183 Rent and Fees
Price
- From $1,392
Deposit
- $500 deposit
Model Rent and Fees
Price
- $1,347 - $1,395
Unit U281 Amenities and Features
Kitchen
- Dishwasher
Unit U281 Rent and Fees
Price
- From $1,347
Deposit
- $500 deposit
Model Rent and Fees
Price
- $1,347 - $1,395
Unit Q167 Amenities and Features
Kitchen
- Dishwasher
Unit Q167 Rent and Fees
Price
- From $1,382
Deposit
- $500 deposit
Model Rent and Fees
Price
- $1,347 - $1,395
Apartment Model: B2From $1,3472 Bedroom, 1.5 Bath, 900 sq ftAvailable Now![]()
B2 - Floorplan 1 Apartment Unit: U183Apartment Model: B2From $1,3922 Bedroom, 1.5 Bath, 900 sq ftAvailable NowApartment Unit: U281Apartment Model: B2From $1,3472 Bedroom, 1.5 Bath, 900 sq ftAvailable NowApartment Unit: Q167Apartment Model: B2From $1,3822 Bedroom, 1.5 Bath, 900 sq ftAvailable NowFrom $1,424
Floorplan B3
2 Beds, 2 Baths, 1000 sq ftAvailable NowModel Gallery
Floorplans
Availability Details
Price Availability Date Unit Sq Ft Deposit View Details $1,468 Available Now H239 1000 $500 $1,428 Available Now H233 1000 $500 $1,424 February 25, 2025 S276 1000 $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
- $1,424 - $1,471
Available Unit Pricing
- $1,424 - $1,471
Deposit
- $500 deposit
Unit H239 Amenities and Features
Unique Features
- Upgraded 2 Bedroom*
Unit H239 Rent and Fees
Price
- From $1,468
Deposit
- $500 deposit
Model Rent and Fees
Price
- $1,424 - $1,471
Unit H233 Rent and Fees
Price
- From $1,428
Deposit
- $500 deposit
Model Rent and Fees
Price
- $1,424 - $1,471
Unit S276 Rent and Fees
Price
- From $1,424
Deposit
- $500 deposit
Model Rent and Fees
Price
- $1,424 - $1,471
Apartment Model: B3From $1,4242 Bedroom, 2 Bath, 1000 sq ftAvailable Now![]()
B3 - Floorplan 1 Apartment Unit: H239Apartment Model: B3From $1,4682 Bedroom, 2 Bath, 1000 sq ftAvailable NowApartment Unit: H233Apartment Model: B3From $1,4282 Bedroom, 2 Bath, 1000 sq ftAvailable NowApartment Unit: S276Apartment Model: B3From $1,4242 Bedroom, 2 Bath, 1000 sq ftAvailable February 25, 2025From $1,387
Floorplan B1
2 Beds, 1.5 Baths, 1000 sq ftAvailable February 25, 2025Model Gallery
Floorplans
Availability Details
Price Availability Date Unit Sq Ft Deposit $1,387 February 25, 2025 F303 1000 $500 Unit F303 Amenities and Features
Kitchen
- Dishwasher
Unit F303 Rent and Fees
Price
- From $1,387
Deposit
- $500 deposit
Model Rent and Fees
Price
- $1,387 - $1,391
Apartment Model: B1From $1,3872 Bedroom, 1.5 Bath, 1000 sq ftAvailable February 25, 2025![]()
B1 - Floorplan 1 Apartment Unit: F303Apartment Model: B1From $1,3872 Bedroom, 1.5 Bath, 1000 sq ftAvailable February 25, 20253 Bedrooms
From $1,585
Floorplan C1
3 Beds, 2.5 Baths, 1100 sq ftAvailable NowModel Gallery
Floorplans
Availability Details
Price Availability Date Unit Sq Ft Deposit View Details $1,755 Available Now V331 1100 $500 $1,585 January 15, 2025 G306 1100 $500 Model Amenities and Features
Kitchen
- Dishwasher
Model Rent and Fees
Price Range
- $1,585 - $1,758
Available Unit Pricing
- $1,585 - $1,758
Deposit
- $500 deposit
Unit V331 Amenities and Features
Kitchen
- Dishwasher
Unit V331 Rent and Fees
Price
- From $1,755
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
Apartment Model: C1From $1,5853 Bedroom, 2.5 Bath, 1100 sq ftAvailable Now![]()
C1 - Floorplan 1 Apartment Unit: V331Apartment Model: C1From $1,7553 Bedroom, 2.5 Bath, 1100 sq ftAvailable NowApartment Unit: G306Apartment Model: C1From $1,5853 Bedroom, 2.5 Bath, 1100 sq ftAvailable January 15, 2025From $1,660
Floorplan C2
3 Beds, 2 Baths, 1300 sq ftAvailable NowModel Gallery
Floorplans
Availability Details
Price Availability Date Unit Sq Ft Deposit View Details $1,705 Available Now A101 1300 $500 $1,660 Available Now A201 1300 $500 $1,660 Available Now A204 1300 $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 A204 Amenities and Features
Kitchen
- Dishwasher
Unique Features
- Upgraded 3 Bedroom*
Unit A204 Rent and Fees
Price
- From $1,660
Deposit
- $500 deposit
Model Rent and Fees
Price
- $1,660 - $1,734
Apartment Model: C2From $1,6603 Bedroom, 2 Bath, 1300 sq ftAvailable Now![]()
C2 - Floorplan 1 Apartment Unit: A101Apartment Model: C2From $1,7053 Bedroom, 2 Bath, 1300 sq ftAvailable NowApartment Unit: A201Apartment Model: C2From $1,6603 Bedroom, 2 Bath, 1300 sq ftAvailable NowApartment Unit: A204Apartment Model: C2From $1,6603 Bedroom, 2 Bath, 1300 sq ftAvailable Now
* 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
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
2BR, 2BA - 1,000 SF
2BR, 2BA, 1000SF
2BR, 1.5 BA, 900SF
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
Map
4324 W 20th St, Panama City, FL 32405
- Shopping
- Colleges
- Grocery
- Medical
Map
Hours and Contact Info
Call Us - Open Now!
Currently Closed
By Appointment
| 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 |
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
What Are Walk Score®, Transit Score®, and Bike Score® Ratings?
- Walk Score® measures the walkability of any address.
- Transit Score® measures access to public transit.
- Bike Score® measures the bikeability of any address.
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 $1,181 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.
Lifestyle Ratings
Learn more about Lifestyle SearchRenters Reviews and Ratings
1 2
Showing 1-12 of 15 Reviews
Disaster relief
January 24, 2019Everyone 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, 2019Dear 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 MoreReview from Apartments.com
ROACHES!! ROACHES!!
February 6, 2018I 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, 2017The 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, 2016I 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 MoreReview from Apartments.com
Not a bad place overall
August 4, 2015I 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 AReview from Apartments.com
Another year renewed
February 15, 2014I'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, 2014All 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, 2014I 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, 2013I 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, 2014My 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, 2014This 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, 2014Nice 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
Public School - Grades K-12 (7 Students)
In Attendance Zone5 minute drive / 2.4 miles away
Bay Virtual Instruction (Course Offerings)
Bay
1515 June Avenue
Public School - Grades 9-12 (0 Students)
In Attendance Zone5 minute drive / 2.4 miles away
Bay Virtual Franchise
Bay
1515 June Avenue
Public School - Grades K-12 (66 Students)
In Attendance Zone5 minute drive / 2.4 miles away
Bay High School
Bay
1200 Harrison Avenue
Public School - Grades 9-12 (1255 Students)
In Attendance Zone7 minute drive / 3.6 miles away
Lucille Moore Elementary School
Bay
1900 Michigan Avenue
Public School - Grades PK-5 (503 Students)
In Attendance Zone2 minute drive / 0.7 miles away
Jinks Middle School
Bay
600 West 11th Street
Public School - Grades 6-8 (570 Students)
In Attendance Zone6 minute drive / 3.2 miles away
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.
About GreatSchools Data on ApartmentHomeLiving.com.
Points of Interest
Time and distance from Turtle Lake.
| Big Box and Retail | Address | Drive | Distance |
|---|---|---|---|
| Publix | 3204 Heartleaf Ave E | 6 min | 3.0 mi |
| Target | 2340 Martin Luther King Jr Blvd | 8 min | 4.1 mi |
| Kohl's | 2610 Martin Luther King Jr Blvd | 9 min | 4.2 mi |
| Colleges and Universities | Address | Drive | Distance |
|---|---|---|---|
| Gulf Coast State College - Panama City Campus | 5230 West Highway 98 | 1 min | 0.5 mi |
| Gulf Coast State College - North Bay Center | 637 Highway 2300 | 18 min | 8.7 mi |
| Groceries | Address | Drive | Distance |
|---|---|---|---|
| Publix | 3204 Heartleaf Ave E | 6 min | 3.0 mi |
| Save-A-Lot | 902 Ohio Ave | 12 min | 5.8 mi |
| Hospitals | Address | Drive | Distance |
|---|---|---|---|
| Gulf Coast Regional Medical Center | 449 W 23rd St | 6 min | 3.1 mi |
| Emerald Coast Behavioral Hospital | 1940 Harrison Ave | 7 min | 3.5 mi |
| Ascension Sacred Heart Bay | 615 N Bonita Ave | 9 min | 4.6 mi |
| Military Bases | Address | Drive | Distance |
|---|---|---|---|
| Naval Coastal Systems Center | 4 min | 2.3 mi |
| Shopping Centers | Address | Drive | Distance |
|---|---|---|---|
| Holiday Plaza | 6608 W Highway 98 | 1 min | 0.4 mi |
| College Plaza | Hwy 98 | 2 min | 0.7 mi |
| St Andrews Plaza | 2913 W Highway 98 | 3 min | 1.2 mi |
Turtle Lake has 3 shopping centers within 1.2 miles.
Nearby Neighborhoods
Rental Price Ranges in the Area
| Bedroom | Average Rent | Cheapest Rent | Highest Rent |
|---|---|---|---|
| Panama City Studio Apartments | $1,123 | $905 | $1,500 |
| Panama City 1 Bedroom Apartments | $1,419 | $499 | $1,949 |
| Panama City 2 Bedroom Apartments | $1,632 | $975 | $2,400 |
| Panama City 3 Bedroom Apartments | $1,908 | $1,025 | $2,800 |
| Panama City 4 Bedroom Apartments | $2,203 | $1,735 | $2,400 |
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Viewing: Turtle Lake | Desktop Version | Listing Updated: 12/26/2024 | AHLGLD