Welcome to your dream coastal getaway in the heart of Panama City Beach! This stunning 2-bed, 2-bath end unit in the sought-after Twin Palms condo building offers unbeatable views of the Gulf of Mexico from a spacious wrap-around balcony--perfect for watching dolphins play in the surf or catching one of those famous Florida sunsets. Located on the 4th floor with open parking just steps from your front door, this unit combines convenience, comfort, and privacy. Skip the busy elevators--you're only four flights of stairs from the sand and surf! Inside, you'll find a well-maintained, beachy retreat with an owner's closet, ideal for storage or making this your part-time home. The trash chute is located on the opposite end of the hallway, keeping foot traffic minimal and your environment peaceful. This unit is rental-ready, generating $32,000 in gross rental income last year--and that's with the owners enjoying it for monthly stays! Imagine the potential. You'll love the easy walk to nearby restaurants, museums, and entertainment, with Walmart just a minute's drive away. When you're not relaxing on the balcony or on the beach, enjoy the resort-style amenities including a beachfront pool, hot tub, sauna, and more. Whether you're looking for an income-producing investment, a personal beach retreat, or a bit of both, this condo delivers. Come experience why Panama City Beach is home to the world's most beautiful beaches, where turquoise water meets sugar white sand.
For sale
$465,000
10519 Front Beach Rd Unit 405A, Panama City, FL 32405
2beds
1,183sqft
Condominium
Built in 2004
-- sqft lot
$441,200 Zestimate®
$393/sqft
$-- HOA
What's special
Well-maintained beachy retreatSpacious wrap-around balcony
- 144 days |
- 270 |
- 9 |
Zillow last checked:
Listing updated:
Listed by:
Team Don and Bubba 850-624-8433,
EXP Realty LLC
Source: CPAR,MLS#: 785070
Originating MLS: Central Panhandle Association of REALTORS
Originating MLS: Central Panhandle Association of REALTORSLoading...
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Rooms
- Room types: Bedroom, Dining Room, Kitchen, Living Room, Primary Bedroom
Primary bedroom
- Level: First
- Dimensions: 13 x 10
Bedroom
- Level: First
- Dimensions: 13 x 10
Dining room
- Level: First
- Dimensions: 13 x 10
Kitchen
- Level: First
- Dimensions: 8 x 8
Living room
- Level: First
- Dimensions: 13 x 15
Heating
- Central
Cooling
- Central Air
Appliances
- Included: Washer/Dryer Stacked, Electric Range, Electric Water Heater
- Laundry: Stacked
Features
- Main Level Primary
Interior area
- Total structure area: 1,183
- Total interior livable area: 1,183 sqft
Property
Parking
- Parking features: Gated
Features
- Patio & porch: Balcony
- Pool features: In Ground, Community
- Has view: Yes
- View description: Gulf
- Has water view: Yes
- Water view: Gulf
- Waterfront features: Gulf, Shoreline - Sand
Details
- Parcel number: 34881405000
- Zoning description: Resort
- Special conditions: Listed As-Is
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: High Speed Internet Available
Community & HOA
Community
- Features: Barbecue, Beach, Elevator, Fitness Center, Gated, Pool, Sauna, Community Pool, Short Term Rental Allowed
- Security: Fire Sprinkler System, Fire Alarm, Security Gate, Smoke Detector(s)
- Subdivision: Twin Palms Resort
HOA
- Has HOA: Yes
- Amenities included: Gated, Barbecue, Sauna
Location
- Region: Panama City
Financial & listing details
- Price per square foot: $393/sqft
- Tax assessed value: $490,875
- Annual tax amount: $5,525
- Date on market: 2/11/2026
- Cumulative days on market: 145 days
Estimated market value
$441,200
$419,000 - $463,000
$2,064/mo
Price history
| Date | Event | Price |
|---|---|---|
| 2/11/2026 | Listed for sale | $465,000-4.1%$393/sqft |
Source:  CPAR #785070 Report a problem | ||
| 1/1/2026 | Listing removed | $485,000$410/sqft |
Source:  ECAOR #986998 Report a problem | ||
| 8/19/2025 | Price change | $485,000-2%$410/sqft |
Source: CPAR #772003 Report a problem | ||
| 6/3/2025 | Price change | $495,000-5.7%$418/sqft |
Source: CPAR #772003 Report a problem | ||
| 4/15/2025 | Listed for sale | $525,000+45.4%$444/sqft |
Source: CPAR #772003 Report a problem | ||
| 4/27/2004 | Sold | $361,000$305/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $5,626 +4.7% | $384,671 +10% |
| 2023 | $5,375 +26.5% | $349,701 +10% |
| 2022 | $4,251 | $317,910 |
| 2021 | -- | -- |
| 2020 | $3,295 +13.9% | $262,735 +10% |
| 2019 | $2,892 | $238,850 +8.1% |
| 2018 | $2,892 +5.8% | $221,000 +4% |
| 2017 | $2,734 +12.8% | $212,500 +3.3% |
| 2016 | $2,425 +8.2% | $205,750 +10% |
| 2015 | $2,242 | $187,045 +2.6% |
| 2014 | $2,242 | $182,325 +10% |
| 2013 | -- | $165,750 |
| 2012 | -- | $165,750 -3.5% |
| 2011 | -- | $171,700 -1.5% |
| 2010 | -- | $174,250 -23% |
| 2009 | -- | $226,213 -5% |
| 2008 | -- | $238,119 -13% |
| 2007 | -- | $273,700 -32.7% |
| 2006 | -- | $406,952 +5.4% |
| 2005 | -- | $386,001 +1624.8% |
| 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
Nearby 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 405A
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