Set directly on the beach at Sterling Reef, this well-maintained Gulf-front condo combines panoramic views, a highly desirable floor plan with an enclosed bunk room, and a location that puts some of Panama City Beach's most popular attractions just minutes away.
Positioned on the 8th floor, the elevation delivers something that's harder to find than you might expect -- open ocean sound without the noise of the beach crowd below. It's a meaningful difference in the daily experience of the unit.
Designed for both personal enjoyment and vacation rental appeal, the floor plan includes two bedrooms, an enclosed bunk room, and two full baths, providing the flexibility to comfortably accommodate family and guests while maximizing sleeping capacity. From the kitchen and living area to the primary suite and private balcony, the Gulf remains the focal point throughout the condo. Floor-to-ceiling sliding glass doors maximize natural light while keeping the emerald waters front and center, creating a seamless connection between the interior living spaces and the beach beyond.
The coastal-inspired interior has been meticulously maintained and thoughtfully updated -- new furniture, paint, and fixtures were added in 2021, new carpet in 2023, and new deck furniture in 2025 -- giving the unit a fresh, move-in-ready feel. Tile flooring throughout the main living areas makes upkeep easy after busy beach days. The spacious kitchen offers granite countertops, stainless steel appliances, and a breakfast bar that creates a natural gathering space for family and guests. Nine-foot ceilings enhance the sense of openness, while the gulf-front primary suite serves as a private retreat with direct balcony access and stunning water views.
Sterling Reef continues to be a favorite among vacationers thanks to its beachfront setting, relaxed atmosphere, and extensive amenity package. Owners and guests enjoy direct beach access, a seasonally heated bi-level pool and spa, fitness center, activity center, sky terrace with grilling area, covered parking, and 24-hour security.
Adding to the appeal is Sterling Reef's central Panama City Beach location. Shipwreck Island Waterpark sits directly across the street, making it a popular destination for families, while Pier Park, Frank Brown Park, golf courses, restaurants, shopping, entertainment, and local attractions are all just minutes away.
Whether you're searching for a beachfront vacation home, a short-term rental investment property, or a combination of both, this gulf-front condo offers the views, layout, amenities, and location that continue to make Panama City Beach one of the area's most sought-after destinations. See it for yourself -- schedule a private showing.
For sale
$449,000
12011 Front Beach Rd Unit 804B, Panama City Beach, FL 32413
2beds
1,076sqft
Condominium
Built in 2005
-- sqft lot
$427,600 Zestimate®
$417/sqft
$-- HOA
What's special
- 26 days |
- 439 |
- 35 |
Zillow last checked:
Listing updated:
Listed by:
Craig Duran 850-290-0417,
Berkshire Hathaway HomeServices Beach Properties of Florida
Source: CPAR,MLS#: 791263
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: Bedroom, Primary Bedroom
Primary bedroom
- Level: First
- Dimensions: 11 x 10
Bedroom
- Level: First
- Dimensions: 10 x 10
Heating
- Electric
Cooling
- Central Air, Ceiling Fan(s)
Appliances
- Included: Washer/Dryer Stacked, Electric Oven, Electric Range
- Laundry: Stacked
Features
- Main Level Primary, Tub Shower, Walk-In Closet(s)
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
Features
- Patio & porch: Balcony
- Pool features: Community
- Has view: Yes
- View description: Gulf
- Has water view: Yes
- Water view: Gulf
- Waterfront features: Gulf
Details
- Parcel number: 34809610053
Construction
Type & style
- Home type: Condo
- Architectural style: High Rise
- Property subtype: Condominium
- Attached to another structure: Yes
Materials
- Concrete
Condition
- New construction: No
- Year built: 2005
Utilities & green energy
- Sewer: Public Sewer
Community & HOA
Community
- Features: Barbecue, Clubhouse, Pool, Waterfront, Community Pool, Short Term Rental Allowed
- Subdivision: Sterling Reef
HOA
- Has HOA: Yes
- Amenities included: Other, See Remarks
Location
- Region: Panama City Beach
Financial & listing details
- Price per square foot: $417/sqft
- Tax assessed value: $461,975
- Annual tax amount: $5,828
- Date on market: 6/16/2026
- Cumulative days on market: 24 days
Estimated market value
$427,600
$406,000 - $449,000
$5,460/mo
Price history
| Date | Event | Price |
|---|---|---|
| 6/16/2026 | Listed for sale | $449,000-3.4%$417/sqft |
Source: | ||
| 12/1/2021 | Sold | $465,000+60.9%$432/sqft |
Source: | ||
| 2/19/2018 | Sold | $289,000+5.5%$269/sqft |
Source: Public Record Report a problem | ||
| 7/1/2008 | Sold | $274,000-51.5%$255/sqft |
Source: Public Record Report a problem | ||
| 4/11/2005 | Sold | $564,900$525/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $5,828 +5% | $455,112 +10% |
| 2023 | $5,553 +25.9% | $413,738 +10% |
| 2022 | $4,412 | $376,125 |
| 2021 | -- | -- |
| 2020 | $3,340 +11.2% | $276,250 +10.9% |
| 2019 | $3,005 | $249,050 +11.8% |
| 2018 | $3,005 +9.2% | $222,717 +10% |
| 2017 | $2,752 +19% | $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 | -- | $30,000 |
Find assessor info on the county website
Monthly payment
Est. payment$--/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: 32413
Nearby schools
GreatSchools rating
- 8/10Hutchison Beach Elementary SchoolGrades: K-5Distance: 0.8 mi
- 7/10Surfside Middle SchoolGrades: PK-12Distance: 2 mi
- 4/10J.R. Arnold High SchoolGrades: 9-12Distance: 1.3 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
- 32413
- 12011 Front Beach Rd Unit 804B
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