2 Hours Ago
Highlights
Pet Friendly
Location
4324 W 20th St, Panama City, FL 32405, USA
Hi! Let’s figure out if this property is right for you.
Powered by Zumper AI
Tour Turtle Lake
Contact
Leasing office
Nearby rentals
Renter hub
Property management
Apartments for rent DestinApartments for rent Fort Walton BeachApartments for rent Panama City BeachApartments for rent Santa Rosa BeachApartments for rent Panama CityApartments for rent Miramar BeachApartments for rent DeFuniak SpringsApartments for rent Downtown DestinApartments for rent Crystal BeachApartments for rent Lower Grand LagoonApartments for rent Laguna BeachApartments for rent CrestviewApartments for rent NicevilleApartments for rent FreeportApartments for rent Elliott's PointApartments Near Me
Houses for rent DestinHouses for rent Miramar BeachHouses for rent Panama City BeachHouses for rent Panama CityHouses for rent Lower Grand LagoonHouses for rent Holiday BeachHouses for rent Fort Walton BeachHouses for rent NicevilleHouses for rent CrestviewHouses for rent Santa Rosa BeachHouses for rent OaklandHouses for rent NorthwestHouses for rent CrestviewHouses for rent Mary EstherHouses for rent FreeportHouses for rent near me
Property Overview
Turtle Lake presents an impressive opportunity for renters, highlighted by a strong Zumper expert rating of 8.8 out of 10 and a perfect price rating of 10, reflecting excellent value for its quality. With top-notch amenities and a favorable location rating of 9, residents can enjoy convenient access to various points of interest and community offerings. Additionally, the property fosters a conducive environment for both remote work and social interactions, supported by strong trustworthiness in its management practices.
This summary uses Zumper’s proprietary data. “Zumper Expert Ratings,” “Things you’ll love,” and “Great for” are based on our internal analyses of market trends and renter insights.
Things you’ll love
Less expensive- Dishwasher
- Images Available
Great for
Social life
Pet owners
Work-from-home
Floor plans
| C214 | 1 bed | 1 bath | 700 sqft | $1,135 /mo | |||
| P255 | 1 bed | 1 bath | 700 sqft | $1,135 /mo | |||
| C215 | 1 bed | 1 bath | 700 sqft | $1,135 /mo | |||
| U177 | 2 bed | 1 bath | 900 sqft | $1,295 /mo | |||
| Q263 | 2 bed | 1 bath | 900 sqft | $1,295 /mo | |||
| U284 | 2 bed | 1 bath | 900 sqft | $1,305 /mo | |||
| Q161 | 2 bed | 1 bath | 900 sqft | $1,320 /mo | |||
| U182 | 2 bed | 1 bath | 900 sqft | $1,320 /mo | |||
| Q162 | 2 bed | 1 bath | 900 sqft | $1,320 /mo | |||
| U179 | 2 bed | 1 bath | 900 sqft | $1,330 /mo | |||
| S170 | 2 bed | 2 bath | 1,000 sqft | $1,330 /mo | |||
| D227 | 2 bed | 2 bath | 1,000 sqft | $1,335 /mo | |||
| S271 | 2 bed | 2 bath | 1,000 sqft | $1,335 /mo | |||
| H234 | 2 bed | 2 bath | 1,000 sqft | $1,335 /mo | |||
| H138 | 2 bed | 2 bath | 1,000 sqft | $1,360 /mo | |||
| H240 | 2 bed | 2 bath | 1,000 sqft | $1,375 /mo | |||
| S175 | 2 bed | 2 bath | 1,000 sqft | $1,400 /mo | |||
| K314 | 3 bed | 2 bath | 1,100 sqft | $1,545 /mo | |||
| G306 | 3 bed | 2 bath | 1,100 sqft | $1,545 /mo | |||
| R323 | 3 bed | 2 bath | 1,100 sqft | $1,565 /mo | |||
| K313 | 3 bed | 2 bath | 1,100 sqft | $1,565 /mo | |||
| A204 | 3 bed | 2 bath | 1,300 sqft | $1,595 /mo | |||
| M242 | 3 bed | 2 bath | 1,300 sqft | $1,595 /mo | |||
| M243 | 3 bed | 2 bath | 1,300 sqft | $1,595 /mo | |||
| M244 | 3 bed | 2 bath | 1,300 sqft | $1,615 /mo | |||
| E230 | 3 bed | 2 bath | 1,300 sqft | $1,625 /mo | |||
| E229 | 3 bed | 2 bath | 1,300 sqft | $1,625 /mo |
Let's explore this property.
Amenities for Turtle Lake
Apartment Amenities
| Air Conditioning | Balcony |
| Breakfast Bar | Living Room |
| Walk-in Closet |
Appliances
| Dishwasher | In-Unit Laundry |
| Range/Oven | Refrigerator |
| Washer Dryer Connections |
Tech
| Cable Ready | High-Speed Internet |
Building
| Cats OK | Clubhouse |
| Controlled Access | Dogs OK |
| Onsite Laundry | Residents Lounge |
Grounds
| Car Care Center | Outdoor Space |
| Playground | Swimming Pool |
Services
| On-Site Maintenance | Online Community Portal |
Other
| Online Payments |
Units, floor plans, amenities, dimensions, details, availability, and prices may be approximate and subject to change. Please contact a community representative for more information.
Policies and fees
Applicants
Applicants
One-time.
Contact Property
REQUIRED FEES
Security Deposit
One-time. Refundable.
Contact Property
Dog Policy
Allowed
Limit1
Cat Policy
Allowed
Limit1
Questions about this property’s policies and fees?
Building details
Property details
| Year built | 1978 |
|---|---|
| Units | 199 |
Advertisement
About Turtle Lake
Turtle Lake is a Panama City Apartment located at 4324 W 20th St. The property features 1 - 3 BR rental units available starting at $1135. Amenities include Pet Friendly Community, Dogs Ok, Cats Ok, On-Site Laundry, and Washer / Dryer Connections. Off-Street Parking parking available. Contact us for a showing.
Year Built: 1978
Zumper Expert Rating
Our expert rating is based on a weighted average score of property attributes that renters care about most: price, amenities, location, quality, and trust.
8.8
/10
Very GoodWith a solid 8.8 out of 10 overall, Turtle Lake is a great option for renters. While some aspects, like Quality, might not be as distinguished as other properties nearby, Turtle Lake has a number of attractive features—namely its Price— so you can be assured your rent will come with a high standard of living.
Price·10A score that weighs the cost and location of the property, which we calculate by comparing rent prices of recent units to the median price of nearby rentals, adjusting for overall quality and features.
Turtle Lake offers an excellent balance between price and value. It's priced competitively for its amenities, location, and other key features. Compared to the median price per bedroom in the area, this property is less than, or about the same as, nearby rentals, so residents can expect great value without too many compromises on their desired standard of living.
Amenities·10A score based on the amenities offered at this property compared to other rentals in the area. We consider the quantity, quality, and popularity of features both on site and within the units.
Turtle Lake stands out as a premier property with an impressive array of amenities and an excellent standard of living. Residents here have access to many of the most popular and desired perks—pets allowed—making this one of the top choices for renters seeking unparalleled comfort and convenience.
Location·9A score based on proximity and ease of access to shops, restaurants, schools, and public transportation while considering the desirability of the area.
Turtle Lake is exceptional when it comes to location and conveniences. Communication with management or leasing staff is usually quick and easy and they often use advanced scheduling and communication tools to streamline the process. The location of this property offers easy access to popular points of interest in the area and options for getting around.
Quality·6A score based on what makes the property stand out, such as luxury features, unique offerings, age of the building, and our ability to verify the accuracy of these details.
While Turtle Lake does not have many hallmark characteristics to highlight, it has some qualities and features that will resonate with a broad range of renters.
Trustworthiness·7A score based on the accuracy, completeness, recency, and usefulness of the information provided by this property, so you can trust that what you see is what you get.
Turtle Lake provides some information about the features available in the community and its apartments, making it a reliable option for prospective renters. Renters should ask additional questions about amenities and non-negotiable items they are looking for.
Turtle Lake is great for:
Property highlights
We compared every listing in the surrounding area to determine which amenities are most common. If a building lacks an amenity that most others in the area have, it is a con. If a building has an amenity most others in the area do not, it is a pro. Similarly, price, schools, and size are calculated relative to the size, price, and distance to schools of the other properties nearby.How Turtle Lake compares to other nearby properties.
Positives
- Less expensive
- The 1-bedrooms are cheaper than other similar listings nearby
- Less expensive
- The 3-bedrooms are cheaper than other similar listings nearby
- Dishwasher
- Dishwasher available in kitchen
- Images Available
- There are at least 10 photos of this address
- Laundry available on site
- Washers and dryers are available in-building or in-unit
- Walk-in closet
- More closet space on average
Considerations
- Greater distance from high schools
- The nearest high school is farther than 2 miles away
- Greater distance from middle schools
- The nearest middle school is farther than 2 miles away
Get the latest listings anytime, anywhere
Receive similar listings in the area, download our app, and more.
Rent trends in Panama City
1-bedroom apartments here are priced 5% lower than 1-bedrooms in Panama City.
If you decide to upgrade your space, you can expect 2-bedrooms at Turtle Lake to be 7% more than the average for similarly sized apartments in Panama City.
3-bedroom apartments at Turtle Lake cost about 16% less than the average rent price for 3-bedroom apartments in Panama City.
Median rents as of Feb 7 2026.
Panama City
| Month | Median Rent |
|---|---|
| June 2024 | $900 |
| September 2024 | $900 |
| October 2024 | $743 |
| November 2024 | $725 |
| December 2024 | $841 |
| January 2025 | $875 |
| February 2025 | $962 |
| March 2025 | $990 |
| April 2025 | $1,043 |
| May 2025 | $1,135 |
| June 2025 | $1,036 |
| July 2025 | $1,147 |
| August 2025 | $1,035 |
| September 2025 | $915 |
| October 2025 | $875 |
| November 2025 | $1,081 |
| December 2025 | $1,353 |
| January 2026 | $1,352 |
| February 2026 | $1,390 |
Affordability calculator
Can I afford to live at 4324 W 20th St?
Bedrooms
Rent-to-income ratio
30%
Slide to adjust the percentage of your monthly income you are willing to spend on rent.
The general rule of thumb is to spend around 30% or less of your income on rent.
Recommended income
$45,400/yr
With your selected rent-to-income ratio, you'd ideally want to make $45,400 annually to afford this 1-bedroom median monthly rent price of $1,135.
For more information on rent affordability, visit our rent calculator.
Schools near Turtle Lake
Lucille Moore Elementary School
1900 michigan ave
panama city, FL, 32405
PK, K-5Public
C+
St. Andrew School
2010 w 12th st
panama city, FL, 32401
PK, K-5Public
C+
Bay Virtual Franchise
1515 june ave
panama city, FL, 32405
K-12Public
C+
A. GARY WALSINGHAM ACADEMY
44 chip seal parkway
panama city beach, FL, 32407
PK, K-3Public
Rosenwald High School
924 bay ave
panama city, FL, 32401
PK, 6-12Public
C-
Advertisement
Internet available near Turtle Lake
Neighborhood
NEIGHBORHOOD VIBE
Peaceful and quiet
Noise-canceling headphones not required in this mostly noise free area.
Getting around Panama City near 4324 W 20th St
Walking
3/10
Fewer daily needs are within walking distance (unless you’re up for a challenge).
Driving
8/10
Commuting is easy with multiple accessible routes and plenty of parking.
Cycling
4/10
This is semi-bikeable, but you’ll need another way of getting around.
Transit
2/10
There are a few mass transit options within the area.
Points of interest for 4324 W 20th St, Panama City
Groceries
4/10
At least one grocery store within a 30-minute walk
Shopping
4/10
Some shops within walking distance
Cafes
4/10
Some cafés within walking distance
Restaurants
4/10
Some restaurants within walking distance
Primary schools
2/10
No elementary schools within a 30-minute walk
High schools
0/10
No high schools within a 30-minute walk
Nightlife
2/10
Few or no bars within walking distance
Compare similar properties nearby
- dogs and cats ok
- in-unit laundry
- air conditioning
- dogs and cats ok
- in-unit laundry
- air conditioning
- dogs and cats ok
- in-unit laundry
- air conditioning
- dogs and cats ok
- in-unit laundry
- air conditioning
- dogs and cats ok
- in-unit laundry
- air conditioning
The Kelly at 23rd Luxury Apartments
Our team has verified this company2002 Wilson Ave
1–3 Beds
$1,410–$3,581
- dogs and cats ok
- in-unit laundry
- air conditioning
- dogs and cats ok
- in-unit laundry
- air conditioning
- dogs and cats ok
- in-unit laundry
- air conditioning
- dogs and cats ok
- in-unit laundry
- air conditioning
- dogs and cats ok
- in-unit laundry
- air conditioning
- dogs and cats ok
- in-unit laundry
- air conditioning
- dogs and cats ok
- in-unit laundry
- air conditioning
- dogs and cats ok
- in-unit laundry
- air conditioning
The Kelly at 23rd Luxury Apartments
Our team has verified this company2002 Wilson Ave
1–3 Beds
$1,410–$3,581
- dogs and cats ok
- in-unit laundry
- air conditioning
- dogs and cats ok
- in-unit laundry
- air conditioning
- dogs and cats ok
- in-unit laundry
- air conditioning