Gulf-Front Luxury Retreat at - Panama City Beach, FL. Welcome to your ultimate beachfront escape at Twin Palms Condominiums, where luxury meets the laid-back coastal lifestyle along the world-renowned shores of Panama City Beach. This stunning Gulf-front condo has been completely renovated with high-end, luxury finishes throughout, creating a modern and inviting retreat that is equally suited as a high-performing vacation rental, a second home, or a full-time residence. Inside, you'll find a thoughtfully designed interior with updated flooring, a beautifully upgraded kitchen, and spa-inspired bathrooms, all curated to reflect a sophisticated coastal aesthetic. The open living area flows seamlessly onto an extra-large private balcony overlooking the Gulf, offering breathtaking, unobstructed views of emerald waters and sugar-white sands. This expansive outdoor space not only enhances everyday living with room to relax or entertain, but also adds significant rental appeal, as guests consistently seek larger balconies to fully enjoy the beachfront experience. The primary suite offers direct access to this balcony, allowing you to wake up to the sound of the waves and step outside to take in the sunrise or unwind in the evening with spectacular sunsets. Just outside your front door, you'll also appreciate the convenience of an additional owner's storage closet, perfect for securely storing beach gear or personal belongings.
Twin Palms Condominiums is known for its desirable Gulf-front setting and resort-style amenities, including private beach access, a beachfront pool, indoor and outdoor hot tubs, a sauna and steam room, a well-equipped fitness center, and covered parking, all designed to enhance both owner enjoyment and guest satisfaction. Located in a prime area of Panama City Beach, this property provides easy access to popular dining, shopping, and entertainment, as well as nearby attractions like St. Andrews State Park, making it highly attractive to vacationers year-round. The combination of location, amenities, and luxury upgrades makes this condo an exceptional investment opportunity with strong rental potential, whether you continue hosting established returning guests or create your own rental program. For those seeking a tropical retreat, this property offers the perfect escape from colder climates, inviting you to enjoy warm Gulf breezes, sunshine-filled days, and the relaxed rhythm of beachfront living. Whether your goal is income generation, seasonal enjoyment, or making your Florida Gulf dream a reality, this beautifully renovated condo at Twin Palms delivers an unmatched opportunity to live where others vacation.
For sale
Price cut: $20K (6/25)
$539,000
10519 Front Beach Rd Unit 1602B, Panama City, FL 32405
2beds
1,147sqft
Condominium
Built in 2004
-- sqft lot
$513,600 Zestimate®
$470/sqft
$-- HOA
What's special
Private beach accessGulf-front condoDesirable gulf-front settingCovered parkingSophisticated coastal aestheticSpa-inspired bathroomsUpdated flooring
- 57 days |
- 197 |
- 4 |
Zillow last checked:
Listing updated:
Listed by:
Gina Williams 850-890-4330,
Chipola Realty, Chipley Office
Source: CPAR,MLS#: 789309
Originating MLS: Central Panhandle Association of REALTORS
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Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Rooms
- Room types: Living Room, Primary Bedroom
Primary bedroom
- Dimensions: 14 x 12
Living room
- Dimensions: 16 x 17
Interior area
- Total structure area: 1,147
- Total interior livable area: 1,147 sqft
Property
Parking
- Total spaces: 1
- Parking features: Garage
- Garage spaces: 1
Features
- Pool features: Community
- On waterfront: Yes
- Waterfront features: Gulf
Details
- Parcel number: 34881457000
Construction
Type & style
- Home type: Condo
- Architectural style: High Rise
- Property subtype: Condominium
- Attached to another structure: Yes
Condition
- New construction: No
- Year built: 2004
Utilities & green energy
- Sewer: Public Sewer
- Utilities for property: Cable Connected
Community & HOA
Community
- Features: Community Pool, Short Term Rental Allowed
- Subdivision: Twin Palms Resort
HOA
- Has HOA: Yes
Location
- Region: Panama City
Financial & listing details
- Price per square foot: $470/sqft
- Tax assessed value: $471,750
- Annual tax amount: $5,339
- Date on market: 5/3/2026
- Cumulative days on market: 56 days
Estimated market value
$513,600
$488,000 - $539,000
$2,100/mo
Price history
| Date | Event | Price |
|---|---|---|
| 6/25/2026 | Price change | $539,000-3.6%$470/sqft |
Source: | ||
| 5/3/2026 | Listed for sale | $559,000+124.5%$487/sqft |
Source: | ||
| 11/29/2014 | Listing removed | $249,000$217/sqft |
Source: Pineapple Properties #625911 Report a problem | ||
| 11/11/2014 | Price change | $249,000-0.4%$217/sqft |
Source: Pineapple Properties #625911 Report a problem | ||
| 1/30/2014 | Listed for sale | $249,900+56.2%$218/sqft |
Source: Pineapple Properties #616663 Report a problem | ||
| 1/4/2012 | Sold | $160,000-57.3%$139/sqft |
Source: Public Record Report a problem | ||
| 7/19/2004 | Sold | $375,000$327/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $5,986 +0.9% | $471,750 +2.2% |
| 2023 | $5,933 +22.6% | $461,657 +10% |
| 2022 | $4,837 | $419,688 |
| 2021 | -- | -- |
| 2020 | $3,333 +11.2% | $267,410 +10% |
| 2019 | $2,997 | $243,100 +10% |
| 2018 | $2,997 +9.6% | $221,000 +4% |
| 2017 | $2,734 +12.8% | $212,500 +5.7% |
| 2016 | $2,425 +13.3% | $201,025 +12.6% |
| 2015 | $2,141 | $178,500 +7.6% |
| 2014 | $2,141 | $165,916 +10% |
| 2013 | -- | $150,833 -6.1% |
| 2012 | -- | $160,580 -5% |
| 2011 | -- | $168,953 |
| 2010 | -- | $168,953 -23% |
| 2009 | -- | $219,472 -5% |
| 2008 | -- | $231,023 -13% |
| 2007 | -- | $265,544 -32.7% |
| 2006 | -- | $394,568 +4.9% |
| 2005 | -- | $376,001 +1580.1% |
| 2004 | -- | $22,380 |
Find assessor info on the county website
Monthly payment
Est. payment$--/mo
Payment breakdown
Explore the cost of this home by adjusting the details. Changes won't be saved.All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
See how much you could borrow to make a competitive offer.
Climate risks
Neighborhood: 32405
Getting around
24 / 100
Minimal TransitNearby schools
GreatSchools rating
- 8/10Hutchison Beach Elementary SchoolGrades: K-5Distance: 2.1 mi
- 7/10Surfside Middle SchoolGrades: PK-12Distance: 3.3 mi
- 4/10J.R. Arnold High SchoolGrades: 9-12Distance: 1.8 mi
Schools provided by the listing agent
- Elementary: Hutchison Beach
- Middle: Surfside
- High: Arnold
Source: CPAR. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
A local agent can set up tours, give advice and negotiate with sellers.
A local lender can help you make sure your offer is ready when you are.
- Florida
- Bay County
- Panama City Beach
- 32405
- 10519 Front Beach Rd Unit 1602B
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