Wake up to breathtaking, unobstructed views of the sparkling emerald waters and sugar-white sands of Panama City Beach from this beautiful view positioned 3-bedroom, 2-bath condominium at Sterling Reef. Located on the highly desirable east side of the building, this second-floor unit offers a unique vantage point where it feels as though your balcony extends directly into the Gulf of America.
Unlike many units in the area, this condo has never been used as a rental and has been privately owned, offering exceptional care and pride of ownership throughout. While short-term rentals are allowed, this property presents a rare opportunity to own a pristine, never-rented by current owners and a perfect beachfront retreat or establish a premium vacation rental investment.
Perfectly situated next to MB Miller County Pier, you'll enjoy front-row seats to spectacular fireworks displays right from your private balcony. The second-floor location provides the ideal elevation for enjoying panoramic Gulf views while maintaining a close connection to the beach and water below.
Sterling Reef offers outstanding amenities, including a Gulf-front pool, fitness center, activity room, grilling areas, and direct beach access. Conveniently located near dining, shopping, entertainment, and local attractions, this condo combines an unbeatable location with stunning views and exceptional ownership history.
Opportunities like this don't come along often--don't let this one slip away!
All measurements and items if importance are to be confirmed by buyer or buyer agent.
For sale
$658,000
12011 Front Beach Rd Unit 201C, Panama City Beach, FL 32413
3beds
1,588sqft
Condominium
Built in 2005
-- sqft lot
$633,500 Zestimate®
$414/sqft
$977/mo HOA
What's special
Direct beach accessPrivate balconyStunning viewsGulf-front poolGrilling areas
- 118 days
- 196
- 19
Zillow last checked:
Listing updated:
Listed by:
Kay H Pate 205-382-0647,
Beach Haven Realty,
Patrick D Pate 850-381-7273,
Beach Haven Realty
Source: CPAR,MLS#: 791304
Originating MLS: Central Panhandle Association of REALTORS
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Rooms
- Room types: Bedroom, Primary Bathroom
Bedroom
- Level: First
- Dimensions: 14 x 11
Bedroom
- Level: First
- Dimensions: 12 x 10
Primary bathroom
- Level: First
- Dimensions: 19 x 11
Heating
- Electric
Cooling
- Ceiling Fan(s)
Appliances
- Included: Washer/Dryer Stacked, Electric Range
- Laundry: Stacked
Features
- Main Level Primary
Interior area
- Total structure area: 1,588
- Total interior livable area: 1,588 sqft
Property
Features
- Stories: 19
- Patio & porch: Balcony
- Pool features: Community
- Has view: Yes
- View description: Gulf
- Has water view: Yes
- Water view: Gulf
- Waterfront features: Gulf, Shoreline - Sand
Details
- Parcel number: 34809610008
- 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: 2005
Utilities & green energy
- Sewer: Public Sewer
- Utilities for property: Electricity Available
Community & HOA
Community
- Features: Community Pool, Short Term Rental Allowed
- Subdivision: Sterling Reef
HOA
- Has HOA: Yes
- Amenities included: Beach Rights, Barbecue, Picnic Area
- Services included: Association Management, Cable TV, Fitness Facility, Internet, Legal/Accounting, Pest Control, Recreation Facilities, Sewer, Security, Trash, Water
- HOA fee: $977 monthly
Location
- Region: Panama City Beach
Financial & listing details
- Price per square foot: $414/sqft
- Tax assessed value: $623,200
- Annual tax amount: $7,384
- Date on market: 6/13/2026
- Cumulative days on market: 293 days
- Electric utility on property: Yes
Estimated market value
$633,500
$602,000 - $665,000
$2,867/mo
Price history
| Date | Event | Price |
|---|---|---|
| 7/3/2026 | Price change | $658,000-2.5%$414/sqft |
Source: | ||
| 6/13/2026 | Listed for sale | $674,900-2.8%$425/sqft |
Source: | ||
| 6/6/2026 | Listing removed | $694,500$437/sqft |
Source: | ||
| 2/24/2026 | Price change | $694,500-0.7%$437/sqft |
Source: | ||
| 12/18/2025 | Price change | $699,500-2.2%$440/sqft |
Source: | ||
| 11/26/2025 | Listed for sale | $715,000+243.8%$450/sqft |
Source: | ||
| 1/30/2012 | Sold | $208,000+246.1%$131/sqft |
Source: Public Record Report a problem | ||
| 8/11/2010 | Sold | $60,100-90.9%$38/sqft |
Source: Public Record Report a problem | ||
| 3/27/2006 | Sold | $660,000$416/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $7,384 +4.2% | $535,752 +10% |
| 2024 | $7,085 +4.7% | $487,047 +10% |
| 2023 | $6,764 +27.4% | $442,770 +10% |
| 2022 | $5,308 | $402,518 |
| 2021 | -- | -- |
| 2020 | $4,194 +4.6% | $348,500 +8% |
| 2019 | $4,010 | $322,575 +10% |
| 2018 | $4,010 +11.1% | $293,250 +0% |
| 2017 | $3,611 +3.2% | $293,123 +10% |
| 2016 | $3,498 +20.9% | $266,475 +10% |
| 2015 | $2,894 | $242,250 +9.4% |
| 2014 | $2,894 | $221,425 +8.5% |
| 2013 | -- | $204,000 |
| 2012 | -- | $204,000 -15.7% |
| 2011 | -- | $242,105 -7.6% |
| 2010 | -- | $262,020 -19.5% |
| 2009 | -- | $325,540 -4.2% |
| 2008 | -- | $339,864 -16% |
| 2007 | -- | $404,600 -30% |
| 2006 | -- | $578,000 +1826.7% |
| 2005 | -- | $30,000 |
Find assessor info on the county website
Monthly payment
Est. payment
Payment breakdown
Explore the cost of this home by adjusting the details. Changes won't be saved.Climate risks
Neighborhood: 32413
Nearby schools
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.







