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.
Special offer
Turtle Lake
4324 W 20th St, Panama City, FL 32405
- Special offer! $500 Off First Months Rent: Must sign a 12-month lease. Offer ends 12/31/25. Additional terms and conditions may apply.Expires December 31, 2025
Apartment building
1-3 beds
Pet-friendly
Shared laundry
Available units
Price may not include required fees and charges
Price may not include required fees and charges.
Unit , sortable column | Sqft, sortable column | Available, sortable column | Base rent, sorted ascending |
|---|---|---|---|
 | 700 | Jan 17 | $1,165 |
| 700 | Now | $1,165 |
| 700 | Now | $1,165 |
| 700 | Jan 22 | $1,165 |
| 700 | Dec 4 | $1,190 |
| 700 | Now | $1,200 |
 | 900 | Now | $1,305 |
| 900 | Dec 6 | $1,320 |
| 900 | Now | $1,330 |
 | 1,000 | Now | $1,335 |
| 1,000 | Dec 13 | $1,360 |
| 1,000 | Dec 16 | $1,360 |
| 1,000 | Dec 13 | $1,360 |
 | 1,100 | Now | $1,595 |
| 1,100 | Jan 7 | $1,615 |
What's special
Office hours
| Day | Open hours |
|---|---|
| Mon - Fri: | 8:30 am - 5:30 pm |
| Sat: | Closed |
| Sun: | Closed |
Facts, features & policies
Building Amenities
Other
- Shared: Laundry Facility
- Swimming Pool: Pool
Outdoor common areas
- Playground
Unit Features
Appliances
- Dishwasher
- Washer/Dryer Hookups: In select units.
Other
- Balcony: Balcony/Patio
- Breakfast Bar
- Large Closets: In select units.
- Patio Balcony: Balcony/Patio
Policies
Lease terms
- 12 months
Pet essentials
- DogsAllowedNumber allowed2Monthly dog rent$10One-time dog fee$300
- CatsAllowedNumber allowed2Monthly cat rent$10One-time cat fee$300
- BirdsAllowedNumber allowed2
- FishAllowedNumber allowed2
Additional details
Birds: Bird
Fish: Fish
Special Features
- 24-hour Emergency Maintenance
- Boat/rv Parking
- Catch & Release Fishing Lake
Neighborhood: 32405
Areas of interest
Use our interactive map to explore the neighborhood and see how it matches your interests.
Travel times
Walk, Transit & Bike Scores
Walk Score®
/ 100
Car-DependentTransit Score®
/ 100
Some TransitBike Score®
/ 100
Somewhat BikeableNear Turtle Lake
- Zoo World, home to over 260 animals, offering programs such as Animal Encounters, Simmer Safari Zoo Camp and Adopt a Wild Child, is a 5-minute drive away.
- Ripley's Believe It or Not Museum occupies a replica of a sinking ship featuring interactive exhibits showcasing weird relics, a movie theater and laser race and is a 10-minute drive away.
- Shipwreck Island Waterpark, located within a 10-minute drive, features a variety of water slides, a lazy river, a wave pool, Tadpole Hole, Skull Island and The Great Shipwreck.
- Panama City Beach Dolphin Tours & More, offering a variety of tours including fishing, spearfishing, scuba diving and snorkeling, is a 5-minute drive away.
Nearby schools in Panama City
GreatSchools rating
- 4/10Lucille Moore Elementary SchoolGrades: PK-5Distance: 0.7 mi
- 2/10Jinks Middle SchoolGrades: 6-8Distance: 3.2 mi
- 3/10Bay High SchoolGrades: 9-12Distance: 3.7 mi
Frequently asked questions
What is the walk score of Turtle Lake?
Turtle Lake has a walk score of 15, it's car-dependent.
What is the transit score of Turtle Lake?
Turtle Lake has a transit score of 29, it has some transit.
What schools are assigned to Turtle Lake?
The schools assigned to Turtle Lake include Lucille Moore Elementary School, Jinks Middle School, and Bay High School.
Does Turtle Lake have in-unit laundry?
No, but Turtle Lake has shared building laundry and washer/dryer hookups available.
What neighborhood is Turtle Lake in?
Turtle Lake is in the 32405 neighborhood in Panama City, FL.
What are Turtle Lake's policies on pets?
A maximum of 2 cats are allowed per unit. This building has a one time fee of $300 and monthly fee of $10 for cats. A maximum of 2 birds are allowed per unit. A maximum of 2 fish are allowed per unit. A maximum of 2 dogs are allowed per unit. This building has a one time fee of $300 and monthly fee of $10 for dogs.
