For sale

$449,900

12011 Front Beach Rd #405B, Panama City Beach, FL 32413

2beds

1,076sqft

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Condominium

Built in 2005

-- sqft lot

$428,400 Zestimate^®

$418/sqft

$-- HOA

What's special

Fully furnishedIncludes washer and dryerNew tile throughoutTwo gulf front pools

*Shown by Appointment* WOW! Sterling Reef is one of the most sought-after Gulf front communities on the beach! Low density means no waiting for an elevator and always a seat on the pool deck! This 2 bed/2 bath unit is being sold fully furnished and includes washer and dryer! New tile throughout! The main bedroom has its own private bath and glass slider providing over-sized patio access and an amazing view of the water from bed! Sterling Reef amenities include a fitness center with water view and two Gulf front pools for you to enjoy! There is also a grill area with outdoor seating. Plenty of ground floor Garage parking! Sterling Reef is located next to the County Pier, which makes it perfect for fishing, and across from Shipwreck Water Park! Walk to dining and entertainment! *All measurements/info to be confirmed by buyer/representative.

97 days

94

7

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Facts & features

Interior

Bedrooms & bathrooms

Bedrooms: 2
Bathrooms: 2
Full bathrooms: 2

Rooms

Room types: Bedroom, Primary Bedroom

Primary bedroom

Level: First
Dimensions: 14 x 12

Bedroom

Level: First
Dimensions: 10 x 10

Heating

Central, Electric

Cooling

Central Air, Ceiling Fan(s)

Appliances

Included: Electric Cooktop, Electric Oven, Electric Water Heater

Features

Balcony, Handicap Access, Main Level Primary, Tub Shower, Walk-In Closet(s)
Doors: Insulated Doors

Interior area

Total structure area: 1,076
Total interior livable area: 1,076 sqft

Property

Parking

Total spaces: 2
Parking features: Garage
Garage spaces: 2

Accessibility

Accessibility features: Accessible Bedroom, Accessible Central Living Area, Accessible Doors

Features

Pool features: Fenced, In Ground, Community
Has view: Yes
View description: Gulf, Water
Has water view: Yes
Water view: Gulf,Water
Waterfront features: Gulf, Shoreline - Sand

Details

Parcel number: 34809610026
On leased land: Yes
Zoning description: Resid Multi-Family
Special conditions: Listed As-Is

Construction

Type & style

Home type: Condo
Architectural style: High Rise
Property subtype: Condominium
Attached to another structure: Yes

Materials

Concrete, Stucco
Foundation: Pillar/Post/Pier

Condition

New construction: No
Year built: 2005

Utilities & green energy

Utilities for property: Electricity Available

Community & HOA

Community

Features: Barbecue, Beach, Clubhouse, Elevator, Fitness Center, Park, Pool, Waterfront, Community Pool, Short Term Rental Allowed
Security: Building Security, Firewall(s), Fire Sprinkler System, Smoke Detector(s), Security Service
Subdivision: Sterling Reef

HOA

Has HOA: Yes
Amenities included: Beach Rights, Barbecue, Picnic Area

Location

Region: Panama City Beach

Financial & listing details

Price per square foot: $418/sqft
Tax assessed value: $461,975
Annual tax amount: $5,465
Date on market: 3/26/2026
Cumulative days on market: 295 days
Electric utility on property: Yes

Estimated market value

$428,400

$407,000 - $450,000

$5,250/mo

Price history

Date	Event	Price
3/26/2026	Listed for sale	$449,900$418/sqft
Source: CPAR #777834 Report a problem
3/4/2026	Listing removed	$449,900$418/sqft
Source: CPAR #777834 Report a problem
8/19/2025	Listed for sale	$449,900+69.1%$418/sqft
Source: CPAR #777834 Report a problem
10/10/2017	Sold	$266,000-52.5%$247/sqft
Source: Public Record Report a problem
4/11/2005	Sold	$560,000$520/sqft
Source: Public Record Report a problem

Public tax history

Year	Property taxes	Tax assessment
2024	$5,465 +4.7%	$390,316 +10%
2023	$5,220 +25.5%	$354,833 +10%
2022	$4,161	$322,575
2021	--	--
2020	$3,313 +10.8%	$270,496 +10%
2019	$2,989	$245,905 +10%
2018	$2,989 +8.5%	$223,550 +10.4%
2017	$2,756 +19.2%	$202,470 +0.4%
2016	$2,312 +0%	$201,607 +10%
2015	$2,311	$183,279 +10%
2014	$2,311	$166,617 +10%
2013	--	$151,470 +10%
2012	--	$137,700 -15.3%
2011	--	$162,565 -8.9%
2010	--	$178,500 -19.1%
2009	--	$220,580 -19.8%
2008	--	$274,890 -16%
2007	--	$327,250 -30%
2006	--	$467,500 +1458.3%
2005	--	$30,000

Find assessor info on the county website

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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.

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