Discover Turtle Lake Apartments in Panama City, FL just steps from Gulf Coast State College and FSU Panama City! Our budget-friendly community offers studio, one, two, and three-bedroom apartments with modern layouts and private patios or balconies. Enjoy resort-style amenities, including a pool, fitness center, and fishing lake. Perfect for students and professionals alike schedule a tour today!
Turtle Lake
4324 W 20th St, Panama City, FL 32405
Apartment building
1-2 beds
Pet-friendly
Other parking
Available units
Price may not include required fees and charges
Price may not include required fees and charges.
$1,152+·1 bed, 1 bath
UnitSqftBase rentAvailable
700$1,1529/13/2025
700$1,1529/16/2025
$1,404+·2 bed, 2 bath
UnitSqftBase rentAvailable
1,000$1,40410/11/2025
What's special
Playground
Play date, anyone?
A playground is a rare feature. Only 16% of buildings in Panama City have this amenity.
Fishing lakePrivate patios or balconiesModern layouts
Office hours
| Day | Open hours |
|---|---|
| Mon - Fri: | 8:30 am - 5:30 pm |
| Sat: | Closed |
| Sun: | Closed |
Facts, features & policies
Building Amenities
Other
- Hookups: Washer/Dryer Connections*
- Swimming Pool: Sparkling Swimming Pool
Outdoor common areas
- Playground
Services & facilities
- Online Rent Payment
Unit Features
Appliances
- Dishwasher
- Washer/Dryer Hookups: Washer/Dryer Connections*
Other
- Balcony: Patio or Balcony
- Patio Balcony: Patio or Balcony
Policies
Pets
Dogs
- Allowed
- 2 pet max
- $300 one time fee
- $10 monthly pet fee
- We love our furry friends! All fees are per pet.
Cats
- Allowed
- 2 pet max
- $300 one time fee
- $10 monthly pet fee
- We love our furry friends! All fees are per pet.
Parking
- Parking Lot: Other
Special Features
- 24 Hour Emergency Maintenance
- Boat/rv Parking Area
- Breakfast Bar
- Close To Gulf Coast State And Fsu, Panama City
- Fishing Lake
- Large Walk-in Closets*
- Upgraded 1 Bedroom*
- Upgraded 2 Bedroom*
- Upgraded 3 Bedroom*
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
Near 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
- 5/10Lucille Moore Elementary SchoolGrades: PK-5Distance: 0.7 mi
- 2/10Jinks Middle SchoolGrades: 6-8Distance: 3.2 mi
- 5/10Bay High SchoolGrades: 9-12Distance: 3.7 mi
Market Trends
Rental market summary
The average rent for all beds and all property types in Panama City, FL is $2,000.
Average rent
$2,000
Month-over-month
+$100
Year-over-year
+$200
Available rentals
158
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 28, 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?
Turtle Lake has 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 dogs are allowed per unit. This building has a one time fee of $300 and monthly fee of $10 for dogs. 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.
