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The Future is Bright at Breakfast Point Academy

By Clint Whitfield, Principal, Breakfast Point Academy

August 10th marked our first day of school for 2021-2022, and it was so amazing to see all of our returning Stingrays and meet new ones! We welcomed over 1,000 students back into our classrooms, and we are so excited to kick off this school year. We understand that we are still operating in a time of many challenges, questions, and obstacles. However, as we have proven in the past, our Stingrays will rise above these! We have much to celebrate from the previous school year as we reflect.

Last year, we returned to school in a hybrid model, offering virtual instruction to students at home. It was a learning curve for everyone, and our teachers did a fantastic job of adapting to the situation and working to meet the needs of all students, both on campus and off campus. The perseverance of the teachers, staff, students, and families to continue learning in such tenuous times is a testament to their dedication. In a time where so much was in an upheaval, we recognized that, but did not let it hamper the spirit of our school family. We ended the year with field day, awards ceremonies, celebrations, a full year of sports, and our heads held high because… We did it!

We recognize that there are still many challenges ahead of us, some we know, and many we cannot foresee. However, the fortitude of our school community has come together for what we are called to do, and that is to change the lives of children. We are dedicated to building relationships with our students and one another, and that is going to be the linchpin of success as we welcome the new school year.

We are introducing a new S.T.E.A.M class in elementary school in which our students will be engaged in hands-on, interactive learning that will allow them to apply a multitude of skills to enhance their learning. We are so excited to have this opportunity as we help grow the mindset of our elementary students and create a pipeline into our current CTE classes while paving the way for new opportunities in our Middle School.

We are looking forward to our Middle School students competing in a full line of sports, our MathCounts competition, the Tom P. Barefield History Fair, Invention Convention, and Beta Club. We are also looking forward to their CTE achievements as they gain industry certifications in different fields throughout the year. We are also excited to introduce a Marine Science course as an elective for our Middle School students.

At Breakfast Point Academy, we have so much to be proud of, but one of our greatest accomplishments this past school year was our achievement in the classroom. Our third through eight grade students took the FSA last Spring, and this summer, the Department of Education released preliminary school grades with an option to “opt in” if the grade stayed the same or increased. I am extremely proud to announce that Breakfast Point maintained our “A!” Given everything that our community endured last year, it is truly amazing what our students, teachers, and school were able to accomplish. We are excited to continue our longstanding dedication to our students, but also to our community. At Breakfast Point Academy “The Future is Bright.”

#RaysRise

Design and Culture: Top Trends in Natural Stone

Are you shopping for countertops? We have our top choices for countertops to share with you. Whether you are looking for granite, quartzite, or marble, we will guide you on the newest colors and trends for your upcoming project.

Many of you may not be aware of this, but Panama City Beach has its own stone yard that supplies all the local fabricators. If you are out shopping for countertops, Omicron is a great place to start. Omicron has a large warehouse open to the public with a variety of quartzites, marbles, granites, and quartz.
Kitchen
One of the top trends in countertops right now is hard marbles. Unlike Carrara and Calacatta marbles that are mined out of Italy, these beautiful hard marbles are being mined out of Brazil and are considered a dolomite marble. They are a much harder stone like quartzite or granite. Whether you have a modern home, farmhouse style home, or a coastal cottage style home, there is a hard marble that will suit any of these styles. Marble is timeless and gorgeous and creates a beautiful and cozy space. These stones have a variety of soft hues and will compliment many color schemes. The most popular hard marbles right now are Tesoro Bianco, Shadow Storm, Fantasy white. New stock has just arrived at our local Omicron called Shadow Blue which is also stunning.

Quartzites with light, neutral hues are also a top trend right now. Taj Mahal Quartzite, which comes from Brazil, is a beautiful choice for a coastal home. It has soft hues of creamy white, soft browns and golds and sometimes some subtle greys with extraordinary and unique movement. This stone has withstood the test of time and continues to be on the list of top picks for countertops. Unique quartzites with soft hues of grey and white are the trend right now and we love the slabs of Matarazzo Supreme that just arrived at the local stone yard, Omicron. The slabs of Matarazzo quartzite available locally are rare and unique with hues of warm greys and whites.

We cannot discuss countertops without talking about granite. Mona Lisa granite is a top choice for countertops on the coast right now. It is a white and grey granite with subtle hues of browns and blues going perfectly with our coastal atmosphere.

Granite Plus is one of your local fabricators and looks forward to assisting with your new countertops. Being in the stone business, we look at hundreds of slabs a week. You would think we would get tired of it, but we continue to be amazed that nature gives us these beautiful stones to put into our homes. Shopping for countertops is an adventure, so enjoy your journey at the local stone yard and at your local fabricators as you pick your new countertops.

ISO: PCB’s Best Oyster Dish

By Jack Smith

I think 18th-century satirist Jonathan Swift said it best: “He was a bold man that first ate an oyster.” Oysters are a somewhat divisive issue and as my wife likes to put it, “I would rather eat a tire.” Growing up on the Chesapeake Bay, oysters were always a staple of most seafood dinners. Legend has it that oysters were so plentiful in the bay that early colonists often ran aground on oyster reefs. The fact that oysters were so abundant made them inexpensive – they cost about half the price of beef and were served at almost every meal. Locally, some restaurants are now offering chargrilled oysters, which my wife proclaims to be “ sinfully delicious.” Some love them, some hate them, and some refuse to even try them. No matter, oysters have been a part of our history from the beginning of time, and if you’re in the “won’t try” camp, it might be time to reconsider.

Barefoot Oysters On The Half ShellBarefoot On The Beach
11703 Front Beach Road, PCB | (850) 249-2442
www.barefootrestaurants.com
Barefoot on the Beach is a casual cafe atmosphere located street-level with stunning views of the Gulf of Mexico offering a laid-back dining experience. Enjoy our oysters on the half shell. Eat ‘em raw, or get them baked with three cheeses, jalapenos and bacon.

Fried Oysters And FriesBoon Docks
14854 Bay View Circle, PCB | (850) 230-0005
boondocksfl.com
Like everything at Boon Docks, the oysters are delectable. Our fried oyster dinner is served with hushpuppies and your choice of two side dishes. It doesn’t get any better!

Angry Tuna Iso Seafood PlatterAngry Tuna
1701 S. Pier Park Drive, Suite 155, PCB | (850) 235-4632
One of Angry Tuna’s specialties is their Seafood Platter, featuring golden fried shrimp, oysters, grouper and stuffed blue crab. This seafood is so fresh it was probably swimming only a few hours ago.

 

Christos Iso Seafood TunaChristo’s Sports Bar & Grill
2903 Thomas Drive, PCB | (850) 708-1878
christossportsbarandgrill.com
Christo’s is one of the best kept secrets in Panama City Beach. Well, maybe not for the locals. One of the reasons is the Boom Boom Tuna – seared Ahi Tuna served with house ciroc. Please don’t tell the tourists.

Fresh Oysters PlateMike’s Cafe and Oyster Bar
17554 Front Beach Road, PCB | (850) 234-1942
mikescafeandoysterbar.com
Mike’s is famous for our oysters. We serve them raw, steamed or baked with a veriety of delicious toppings. Our Mike’s Baked Oysters come topped with shrimp, crab, spinach and smoked gouda. You may also want to try the Rockefeller, Bienville, Mexican, Parmesan Baked, PCB Baked or Cheddar & Bacon versions. Good news – you can get a sampler and try then four ways!

Schooners Iso OystersSchooners
5121 Gulf Drive, PCB | (850) 235-3555
schooners.com
Oysters are always the life of the party… Schooners’ classic “beach party” is the #1 favorite. A trio of deep fried mahi, oysters, and jumbo shrimp.

Capt A Iso OystersCapt. Anderson’s Restaurant
5551 N Lagoon Drive, PCB | (850) 234-2225
captandersons.com
America’s favorite seafood restaurant serves a delicious 1/2 dozen Parmesan Baked Oysters appetizer accented with their very own house seasoning. Hungry for more? Try the Select Fried Gulf Coast Oysters with a bottle of Lanson Brut Black Label Champagne.

Paparazzi Iso Seafood PizzaPaparazzi Gourmet Deli
2810 Thomas Drive, PCB | (850) 588-8244
Paparazzideli.com
The perfect beach combo – delicious, silky seafood on a pizza! Our decadent Grand Lagoon features shrimp and clams, with basil, garlic and olive oil. Our Pink Shrimp celebrates all things shrimp, cooked to perfection, covered in ooey gooey mozzarella and lying on a billowy bed of our famous pink sauce. Like all our pizzas, they are fresh, stone baked and made to order using recipes passed down through the generations.

Ask Apex: Insurance Claim Denied?

Ask Apex: Insurance Claim Denied?By Jeremy Neel

Have you ever had an insurance claim denied? There are several reasons a claim can be denied.

1. The incident was not covered in your insurance policy. It is extremely important to read an insurance policy, and understand which perils may be covered and which ones are not before filing a claim. For example, your neighborhood floods, and you have not been covered by flood insurance, then your claim would be denied.
2. The premiums have not been paid in a timely manner. If your insurance company has not already canceled your policy, they have the right to deny your claim for late payments of your premiums.
3. Acts of negligence of the homeowner. For instance, you have a hot water leak, and you attempt to fix the problem on your own instead of hiring a plumber, this would be considered negligence. Your claim could be denied because of improper maintenance involving the hot water heater.
4. You may not have enough coverage on your home. Homes can be insured for either Replacement Cost or Actual Cash Value. Replacement cost would be the price to restore the home to comparable conditions as when the home was first purchased. Actual Cash Value is the cost of replacing the home back to current conditions minus depreciation, or the market value of your home. Once again, it is extremely important to make sure you have enough coverage on your home should you ever need to file a claim due to water, fire, mold, or other perils that may effect your home.
5. Not filing a claim in a timely manner. Waiting too long to file a claim could result in the denial of your claim. It would be advantageous to discuss with your insurance company the time frame in which to file a claim, just in case the occasion should arise.
6. Filing a claim under false pretenses. Once a claim is filed, an insurance adjuster will come to your home to prove it is worthwhile for the insurance company’s payment for necessary repairs. If the adjuster finds you have not been truthful with your claim, or the damage is not as extensive as he/she can prove, your claim may be denied. Taking pictures of your property, once your policy is written, and after damage has occurred, would be helpful to your adjuster.

Here are a few ways to minimize denial of a claim:
1. Get to know your homeowner’s insurance policy, front to back. Understanding what perils are covered and which ones are not will play an important role when unexpected incidents occur.
2. Increase your coverage when necessary. For instance, should you build an addition to your home, or remodel your kitchen, you will need to increase your coverage as your value will increase.
3. Pictures, pictures, pictures. Taking inventory and pictures of your belongings and the structure of your home can benefit the adjuster, or, if necessary, prove your case should your adjuster deny your claim.
4. Let your insurance agent know of any life changes, such as marriage, or addition of residents into your home. In this case, the added possessions should be covered in your insurance policy.
5. Review your policy at least once per year. Should you have any questions regarding your homeowner’s insurance policy, your insurance agent would be glad to explain your coverage. It is best to have the questions answered before an event occurs caused by an emergency. In this manner, you are properly prepared to handle the stress that comes with the unexpected.

Apex is the people’s choice when it comes to water, fire, wind or mold damage. Should you have an emergency water loss or mitigation needs, please contact Apex at (850) 660-6900.

Slice of Life: New Movers

Marta Rose Thorpe.8 27 20By Marta Rose-Thorpe

Moving to a new town is not new to me… I’ve done it several times in my life. We moved a few times growing up and as kids, and then teens, you adjust. The big change happened when this Florida girl moved to Los Angeles in the late eighties – knowing virtually no one. There wasn’t a job awaiting me post-college, or relatives or friends to receive me. (So, why exactly did this seem like a good idea?) Simply put, I wanted a change. Those tall palm trees lined up against the glorious L.A. sunset looked so sexy. The place was vast, the pace was fast. The people I encountered had a distinction that set them apart from the friends and schoolmates I had left in Florida. Now, some will say that in life, you find what you seek. I was seeking different… And different is what I found. I knew no one, and nothing, and had to learn it all. Through the months I met people, learned my way around, and discovered the tempo of Southern California. I figured out where the locals hung out. I found jobs, gyms, and places of worship – cafes, clubs and the best beaches. This all took time, but by the early 2000s I was a “local” and had it all figured out. In 2004, 18 years later, I relocated back to Florida.

This go-round, the change wasn’t as easy-breezy. That bold, carefree spirit, generally possessed by youth, had matured and become more responsible at this point. A baby soon came, and as a new mother I had all kinds of needs: an appropriate place to live, health professionals, a solid source of income. I did have my immediate family in Panama City Beach – a sister, brother-in-law and their three children, and several other members of the family close by. But the “growing roots in a new community” process was the same. When you’re new in town you need resources – lots of resources. And a lot of that comes from just meeting new people, asking lots of questions, and putting in the time to research your new community. Flash forward to today, and again, I consider myself a “local” here in Bay County. But through my own personal experience of learning how to fit in in a new place, I’ve developed a passion for helping others do the same.

I joined the team of the Panama City Beach Chamber of Commerce for nine years, starting in 2005, as their marketing and communications person, and I adored that job! I loved being a resource to people, connecting people, and helping the new ones find their footing. I loved encouraging and supporting new businesses and small businesses. I loved helping people connect the dots. If you know me then you probably know that I frequently hand my card to new folks in town and tell them to “use me as a resource,” and frequently they will. This passion for connecting and engaging people with “what’s happening in the community” led me four years ago to launch Grand Lagoon Life Media which combines print, social platforms, and digital avenues to connect and engage residents of the Grand Lagoon (which is also my home). This month I’m bringing another new community platform to the area that REALLY excites me because I, again, get to be the Welcome Wagon of sorts. BeLOCAL Bay County reaches all families moving into Bay County every month, and that number seems to keep increasing. I reach them through multiple streams and help them get acclimated, give them resources, connect them to local businesses, and share with them where the locals like to go. Invaluable information! I wish BeLOCAL had existed when I moved to L.A. all those years ago!

So, if you’re new in town, welcome to your new chapter. Feel free to check out BeLocalBayFL on Instagram, and drop me a “hello!”

Studio 237 Music Lessons: Modes of Music Lessons

By Lisa Cyr

September is here and people are saying goodbye to their summer vacation and returning to a daily schedule. It is the month that we receive a larger number of calls from people seeking music lessons. They are in a discovery mode and are exploring for information to help them create a positive musical learning experience.

Discovering music might be: listening to pre-recorded music, attending live performances, taking a music appreciation class, or private lessons. This is the time you discover the instrument you want to play or the voice to develop. Maybe, the first instrument you try doesn’t work out. Then, you might try a different one. Discovery takes time, so plan for at least three months of lessons. Students learn a lot about themselves when presented with the task of finding time to practice. Best times could be in the early morning, after school/work, or later at night. Self-talk is revealing such as, “I always forget to play this note correctly.” Instead say, “I will remember to play this note.” or “I’ve got this.”

Next is the development mode. This is a time when you receive constructive feedback and suggestions for better technique. New skills are acquired as you begin to play faster and accurately. Fingers that were once awkward and weak begin to glide over the instrument. Mind to hand coordination quickens. Focus increases. Developing accurate counting skills is a key to becoming an above average player. Some students find this process boring and painfully uncomfortable when asked to “count out loud.” Ugh. It’s like I am a dentist about to pull a tooth as I say, “Ok, let’s count the beats as we play this song.” Ha! I am often met with a begrudging look that tells me, “No way.” I take that as a sign of a long lesson road ahead. I know that successful students have excellent counting skills.

Last is the demonstration mode. The final stage of a semester is performance. It is the culmination of all one’s efforts expressed to others. This is not a test. This is a venue to share your personal expression and goal achievement; a time of reflection as you look back to where you started and compare it to your present ability. Positive reflection fuels and inspires future progress. Most students get big smiles on their face as they reminisce and realize their ability has grown up a level. Replaying songs from your past is motivating and reveals progress. Also, memorization of music is an important skill to develop early in study. It creates confident focus and boosts creativity for an amazing performance. A great teacher once said to me, “Now that you have completely memorized this song, make it yours.”

Music lessons are an individual effort and develop character and responsibility for one’s total performance. From beginning to end, it’s all yours. Your success is not because of a team. Your God given talent is what you make of it. Mentors come and go but ultimately you remain. What you do with your ability is up to you; everyone has great ability and potential. Teaching is a special honor to help an individual enjoy and own their progress.
Studio 237 Music Lessons is located in Santa Rosa Beach, Florida. Our staff of teachers are ready to help you discover, develop, and demonstrate music. Call Ray or Lisa Cyr at 850.231.3199 and visit our website at www.Studio237Music.com.

Hormone Therapy for Men

Dr Chern PhotoBy Dr. Richard Chern, M.D.

Men eventually go through ANDROPAUSE which is basically male menopause. This typically occurs between age 35 & 55 but can occur earlier. This process occurs slowly and symptoms creep into our lives unnoticed until they begin affecting those around us. Symptoms include weight gain, lack of energy, irritability, fatigue, loss of libido, erectile dysfunction, loss of muscle mass, reduced exercise tolerance, weight gain, impaired memory, poor concentration, nervousness, depression, insomnia, sweating and the feeling that you are past your prime. Is it any wonder that men go through a midlife crisis?

Testing is easy. We can provide a lab order for you to take to your lab or we can draw your blood at any of our offices. If you have already had your labs drawn you can send them to us for review but often it is best to have labs redone as most offices fail to order everything that is needed. Labs should be drawn in the morning and although fasting is not required it is recommended. At The Hormone Restoration Center we look at testosterone and other labs that are often affected by low testosterone levels.

Treating low testosterone can reduce or eliminate every symptom discussed above; but not all treatments are the same. Some treatments improve symptoms and improve health.
Some treatments improve symptoms but increase the risk for disease and death. For example, research shows that testosterone shots can increase risk for heart attacks, strokes, and death from heart disease. The risks are not the same for every form of testosterone replacement. At The Hormone Restoration Center we use bio-identical testosterone replacement that can help reduce the risk of aggressive prostate cancer, cardiovascular disease, diabetes, Alzheimer’s disease, muscle loss, osteoporosis and much more.

In addition, estrogen levels are vitally important in the proper treatment of andropause. Unfortunately, many physicians forget to consider this issue or some incorrectly block estrogen production which increases the risk for disease and death.

There are many considerations when treating low testosterone in men. Although symptoms may be universal, treatment MUST be individualized.

Treating testosterone properly should not only resolve your symptoms but also improve your health. At The Hormone Restoration Center we do this every day. We are certified in the use of bio-identical hormones in men and women for the treatment of andropause, menopause and many other conditions.

Dr. Richard Chern, M.D. and Sue Griffin, APRN are currently accepting new patients. Please call (850) 837-1271 for an appointment.

Couples Who Play Together, Stay Together

Jamie C. Williamson J Phd Pcb Life HeadshotBy Jamie C. Williamson, PhD

Couples who play together, stay together, but that doesn’t mean you should treat your marriage like a game. If you treat your marriage like a game, you’ll get played and lose every time.

Couples who “play together” by engaging in fun, novel activities grow closer to each other, experience more positive emotions toward each other and their relationship and, as a result, are happier and want to stay together.

Three Reasons Why Playing Together Helps You Stay Together
First, playing together in novel and arousing activities keeps you (and your spouse) from getting bored and your relationship from becoming a boring routine.

Boredom sacks the current joy out of your relationship and, if not addressed, leads to increasing dissatisfaction over time, the temptation to seek excitement outside the relationship, and/or ultimately the “we’ve just grown apart” explanation for divorce.

Second, playing together also helps you and your spouse connect the good feelings you experience during the activity to your overall relationship.

Third, participating in novel and arousing activities makes people feel happier in general, and when you are a happier person, you are more likely to be a happy partner and extend that positive emotion to your marriage and spouse.

How far do you have to go to keep you and your spouse out of a boring routine?
Off the couch, maybe. But not that far.

Go for a bike ride. Throw a football around. Take a walk on the beach or a canoe ride. Try a stand-up paddle board. A new restaurant. Get to know other couples — new friends you make together.

Remember, marriage is not a game. Both husband and wife are on the same side.
So be sure you aren’t keeping score. If your wife “wins” because you agree to try something new that she recommended, you both win.

And, if your husband “wins” because you agree to try something new that he likes, you also both win.

Here’s a common example for football season (just remember, the point of the story is gender neutral).

If your husband really enjoys watching college football, learn to like it, too, rather than pout and try to make him feel guilty. (You might have to pretend at first). This will add a new activity for you to enjoy together.

In turn, he will naturally connect the fun he has watching the game with you to positive feelings about you. As a result, he will be more likely to want to make you happy and will look for ways to do that – like take a cooking class, or run a 5-K, go with you to church, or start a weekly date night.

Husbands, keep in mind that if you initiate the weekly date night (for example), your wife will transfer her good feeling about that to you and, as a result, be more likely to want to look for novel ways to make you happy, as well.

The point is that if you want to avoid (or get out of) the rut of relationship boredom, you have to play together by engaging in novel and arousing activities. It doesn’t matter who is ahead at the end of the first quarter. You’re both on the home team.

Can the novel and arousing activities involve sex?

Sure. But you are unlikely to be any good at sex play, if you aren’t fully engaged with each other out of the bedroom. And, if you suggest novel sex before you’ve shown a willingness to “get off the couch” your effort will backfire. First things first.

If you are starting to feel bored in your marriage, share this article with your spouse and talk about ways you can add some new activities or people to your life. Discuss how the positive feelings you get from these new experiences will help you grow closer again, increase your relationship satisfaction, and decrease the likelihood that you will “grow apart” (or be tempted to find excitement elsewhere).

Pick a new activity and begin to work it out. If your spouse won’t go along at first, try learning to like something your spouse already enjoys so you can do it together. Then, try to add something novel to you both.

Let me know if I can help.

Jamie C. Williamson, PhD is a FL Supreme Court Certified Family Mediator and Gottman Methods Couples Counselor. She is an owner and partner at Amity Mediation Workshop, LLC, a mediation practice specializing in “friendly divorce” mediation, family mediation, and marriage revitalization sessions for couples. She speaks frequently on Dr. Jamie authors the blog “Work it Out.” You can find her online at amitymediationworkshop.com.

A Pastor’s Ponderings: Changing Seasons

Pastor Jeff WadeBy Pastor Jeff Wade, The Rock of Panama City Beach

One of the things I love about September is that it begins a seasonal change. Living in Panama City Beach, we all know there are still many hot days left ahead here on the beach, but like it or not, the season is changing once again. Eventually the heat will give way to drier and cooler air. An old season will end, and a new season will begin.

Where do the seasons come from? The word of God gives us the answers to all things. When God created the heavens and the earth, seasons began. Just as he put the lights in the vault of the sky to separate day from night, he also placed them there to mark sacred times, and days and years (Genesis 1:14) We also know the seasons of the earth work in the same way for Genesis 8:22 says, “As long as the earth endures, seedtime and harvest, cold and heat, summer and winter, day and night will never cease.”

From the beginning of time itself, seasons have come and gone, each one with its specific purpose to us from a gracious and loving God. Have you ever considered why God gave us seasons in his design of creation? Maybe you are inclined to respond through the eyes of your own personal experiences in life and you would suggest that God gave us fall so that we would have football. Or maybe someone would say God gave us winter so that we could have Christmas. Someone else may say God gave us summer so that we could have beach time. While those activities certainly happen during those seasons, I don’t think its why God gave us the seasons. I would like to make a suggestion for consideration. One of the things that I have learned about God’s heart in pastoring here on the beach the past four years is that God loves diversity.

When God created the earth and the inhabitants of the earth he could have done so any way he wanted. There is so much intentionality behind his design. He set the earth on its axis, tilted it, and gave it a slow spin. It works on complete tandem and harmony with the sun, the moon, and the rest of our solar system. In doing so, as the earth rotated, seasons would change. There would be a diversity of change and weather, hot and cold, summers and winters. Plainly put… there would be a diversified constant change that will never cease. God gave us seasons so that we would see his glory in everything and also to experience multitudes of changes in his creation.

I find it important to tell you that not only do we have the seasons of the earth, but we also have seasons of life as well. They too are part of God’s diversified plan for you. I wonder what season you find yourself in today. Some are in a season of health. Some are in a season of sickness. Some are in a season of financial stability. Others are in a season of poverty. Some are enjoying the season of raising kids, while others are in a season of enjoying an empty next and simple time together as husband and wife. Just like earthly seasons, life seasons too will constantly change. So in this ever changing world, and in this ever changing life, is anything constant?

Yes.

Jesus.

Hebrews 13:8 says, “Jesus Christ is the same yesterday and today and forever.”

PCB Area Transformation Underway

By Ed Offley

The transformation of the Panama City Beach “island’’ is underway.

Throughout the 50-year history of Panama City Beach, this coastal resort city has rested within a narrow corridor between the Gulf of Mexico and a seemingly endless swath of forests and swamps to the north of Panama City Beach Parkway. But signs are everywhere that the “island,” along with the West Bay area, is beginning to undergo a profound growth that promises to bring in more than 300,000 new permanent residents within the next four decades, including 70,000 by the year 2025.

This unprecedented migration will be split between “active adult” retirees and younger people attracted to the new jobs and housing opportunities generated by the creation of what would today be the fourth-largest population center in the state of Florida – larger than Orlando and just slightly smaller than Tampa. They will reside, work, and play in a newly created urban and suburban community stretching from the current city limits north to SR20, and lying between SR77 and Point Washington State Forest in Walton County.
“They are coming in from all over,” said Catherine McCloy, director of planning and development for the St. Joe Co. since 2018. “The region as a whole is seeing an influx from all over the country, particularly since the pandemic.” The trend is expected to continue and expand over the next four decades, she added.

To accommodate that population boom, the St. Joe Co. in 2015 revised and enlarged the growth plan for its holdings in western Bay and eastern Walton Counties. Nearly two decades after unveiling an initial plan for the West Bay sector anchored around the Northwest Florida Beaches International Airport, company officials received approval from state and county officials of an expanded plan now totaling 110,500 acres – including 97,216 acres in Bay County and 13,284 acres in adjacent Walton County. Now after nearly six years of planning, permit applications and other preparations, the sector plan has suddenly sprung into life along a swath of the SR79 highway corridor. Four ongoing or planned projects include:

Construction Latitude Margaritaville New Homes Photo St. Joe Co• Latitude Margaritaville Watersound: Four months after sales opened on the initial phase of 249 homes in the adult active community, more than 200 homes are under construction or in the final planning stages. When fully developed with 7,000 residential units, the community will include a town center with recreational and commercial amenities, and a full marina on the Intracoastal Waterway.

• Ward’s Creek: Contractors are currently clearing land along the east side of SR79 just north of the Phillip Griffitts Parkway for what will become a 1,100-acre residential community straddling both sides of the highway. The project when finished will have 1,600 residential units.

• Four corners: The intersection of Phillip Griffitts Parkway and SR79 – currently a tree-lined landscape all around – will be the site of a separate town center containing commercial, business and retail amenities serving both the Ward’s Creek population and other local residents.

• Hospital: St. Joe Company officials announced last April 8 plans to build a new 100-bed hospital an 87-acre tract located on the southeast corner of the intersection. Tallahassee Memorial HealthCare and Florida State University’s College of Medicine are partners in the project. A construction date has not yet been set.

And this is just the beginning.

Ultimately, St. Joe officials envision a series of planned residential communities, with adjacent town and village centers providing recreational, service and entertainment amenities, that will serve a maximum population of 350,643 people, of whom all but 48,739 will be full-time residents. Current plans are for the construction of 29,000 residential units throughout the sector by the year 2025, adding about 70,000 new residents to the current PCB population of 18,000 – a nearly fourfold increase. Other elements of the final plan include:

• 11.2 million square feet of office and employment center space
• 4.5 million square feet of retail and commercial space (by comparison, Pier Park has a total of 1.2 million square feet);
• 6 million square feet of warehouse space;
• 1,350 hospital beds (1,150 more beds than the proposed hospital);
• 2,775 hotel rooms (about 20 mid-sized hotels);
• 342 holes of golf (about 19 eighteen-hole golf courses);
• 62,676 jobs created by 2064, including 12,536 by 2025;
• Annual county tax revenues of $182 million by 2064, including $10.3 million by 2025.

Even with that degree of development, more than 53,000 acres of the 110,000-acre tract will be left permanently undeveloped as conservation or preservation space, McCloy said.

A major premise of the Bay-Walton Sector Plan is that between 40 and 60 percent of the new housing will be “deed restricted” for what planners call the “active adult” population 55 years and over, McCloy said. One benefit to local government from this factor will be a lessened impact on public schools, and a lower average population per household (1.9 for seniors and 2.8 for younger families).

McCloy cautioned that the sector plan figures represent a maximum cap on planned development within the 110,000-acre tract that might change depending on future economic trends and unforeseen events such as a major hurricane. “This is not a hard-in-fact rule,” she said. “It’s a concept of what could be.”

While the sector development promises to totally transform western Bay and eastern Walton Counties, McCloy said that the pressure for growth would be there regardless. “The point is to plan well for the people who are coming, and to create a community where people will want to live,” she said.

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