Breakwater

Breakwater is a newer St. Joe neighborhood in Bay County, near Ward Creek and also off State Road 79. Homes are recent. The gulf is a drive, not the backyard.

It is not a marina and it is not a city. Public schools are Bay District Schools. Treat it as its own search, not as a listing that happens to say Ward Creek.

Ask which amenities are finished and what the builder still controls. A new house and a house in an older section nearby are different associations.