Welcome to Ocean Reef Unit 1704, a beautifully decorated and upgraded 2-bedroom, 2-bathroom Gulf-front condominium in Panama City Beach. This desirable residence offers breathtaking Gulf views, an expansive private balcony, and a spacious floor plan designed for comfortable beach living, extended stays, and entertaining. The property also conveys with a deeded parking space located on Level 5.
The large Gulf-front balcony provides plenty of room to relax, with chaise lounger and ample space for sunset dinners or drinks with friends. Custom tinting on the balcony doors helps reduce heat and glare while enhancing comfort inside. The primary suite overlooks the Gulf, allowing you to enjoy beautiful water views and the soothing sounds of the waves from both the living room and primary bedroom.
The upgraded kitchen features leathered granite countertops, a breakfast bar, stainless steel appliances, and a custom backsplash. Additional interior features include vinyl plank flooring throughout, custom paint with an accent wall, leather furnishings, wall-mounted televisions, elegant bedroom furnishings, built-in shelving, and convenient bifold closet doors. The primary bathroom offers additional cabinetry, raised vanities, and upgraded countertops.
The spacious guest bedroom includes two queen beds and private access to the guest bathroom. A full-size laundry room with additional cabinetry provides valuable storage, making this condo especially well-equipped for longer stays. The HVAC system was installed in January 2020, and the hot water heater was replaced in 2019.
Parking is conveniently located under the building, near the elevators, and includes an exclusive assigned parking space, eliminating the hassle of searching for parking.
Ocean Reef offers an impressive selection of resort amenities, including a Gulf-front heated pool, Gulf-front hot tub, indoor heated pool, steam room, sauna, fitness room, grilling area, and pet area. Owners are permitted to have pets.
The location puts you close to everything Panama City Beach has to offer. Runaway Island Restaurant is an easy walk along the beach, offering beachfront dining, drinks, and spectacular sunset views. Pier Park's shopping, dining, and entertainment district is just over a mile west.
With its stunning Gulf-front setting, spacious balcony, extensive upgrades, resort-style amenities, assigned parking, and convenient location, Ocean Reef Unit 1704 is an exceptional opportunity to own a beautiful beach retreat in Panama City Beach. Dimensions are approximate and should be verified if deemed important.
For sale
$459,000
14415 Front Beach Rd Unit 1704, Panama City Beach, FL 32413
2beds
1,146sqft
Condominium
Built in 2008
-- sqft lot
$441,100 Zestimate®
$401/sqft
$888/mo HOA
What's special
Indoor heated poolBreakfast barBreathtaking gulf viewsGulf-front hot tubGulf-front heated poolPet areaExtensive upgrades
- 41 days
- 312
- 40
Zillow last checked:
Listing updated:
Listed by:
Gene Ursprung P.A. 850-890-1350,
Beach Time Realty, Inc,
Jennifer L Ursprung 850-890-1349,
Beach Time Realty, Inc
Source: CPAR,MLS#: 794562
Originating MLS: Central Panhandle Association of REALTORS
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Rooms
- Room types: Dining Room, Kitchen, Living Room, Other
Dining room
- Level: First
- Dimensions: 12 x 13.7
Kitchen
- Level: First
- Dimensions: 10.4 x 9.1
Living room
- Level: First
- Dimensions: 11 x 13.7
Other
- Features: Balcony
- Level: First
- Dimensions: 10 x 28
Heating
- Central, Electric
Cooling
- Central Air, Ceiling Fan(s)
Appliances
- Included: Electric Cooktop, Electric Oven, Electric Water Heater
Features
- Balcony, Double Vanity, Tub Shower
Interior area
- Total structure area: 1,146
- Total interior livable area: 1,146 sqft
Property
Parking
- Total spaces: 1
- Parking features: Garage
- Garage spaces: 1
Features
- Patio & porch: Balcony
- Pool features: Gunite, Gas Heat, In Ground, Community
- Has view: Yes
- View description: Gulf, Water
- Has water view: Yes
- Water view: Gulf,Water
- Waterfront features: Gulf, Shoreline - Sand
Lot
- Features: Paved
Details
- Parcel number: 40001250102
- 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
- Block, Concrete, Steel Frame, Stucco
- Roof: Flat,Membrane
Condition
- New construction: No
- Year built: 2008
Utilities & green energy
- Sewer: Public Sewer
- Utilities for property: Cable Connected, Electricity Available
Community & HOA
Community
- Features: Barbecue, Beach, Clubhouse, Elevator, Fitness Center, Pool, Sauna, Waterfront, Community Pool, Short Term Rental Allowed
- Security: Building Security, Fire Sprinkler System, Fire Alarm, Smoke Detector(s)
- Subdivision: Ocean Reef
HOA
- Has HOA: Yes
- Amenities included: Beach Rights, Barbecue
- Services included: Association Management, Clubhouse, Cable TV, Fitness Facility, Internet, Legal/Accounting, Maintenance Grounds, Pest Control, Sewer, Security, Trash, Water
- HOA fee: $2,663 quarterly
Location
- Region: Panama City Beach
Financial & listing details
- Price per square foot: $401/sqft
- Tax assessed value: $442,000
- Annual tax amount: $5,704
- Date on market: 8/25/2026
- Cumulative days on market: 41 days
- Electric utility on property: Yes
Estimated market value
$441,100
$419,000 - $463,000
$2,469/mo
Price history
| Date | Event | Price |
|---|---|---|
| 8/25/2026 | Listed for sale | $459,000-18.8%$401/sqft |
Source: | ||
| 12/22/2023 | Sold | $565,000-4.1%$493/sqft |
Source: | ||
| 12/1/2023 | Contingent | $589,000$514/sqft |
Source: | ||
| 10/29/2023 | Price change | $589,000-1.2%$514/sqft |
Source: | ||
| 10/18/2023 | Listed for sale | $595,900+140.3%$520/sqft |
Source: | ||
| 10/22/2012 | Sold | $248,000-4.6%$216/sqft |
Source: | ||
| 7/16/2012 | Listed for sale | $259,900+2.7%$227/sqft |
Source: Prestigious Beach Properties #580582 Report a problem | ||
| 11/19/2010 | Sold | $253,000$221/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $5,704 -7.9% | $442,000 -9.6% |
| 2024 | $6,193 +4.3% | $488,750 +8.9% |
| 2023 | $5,936 +25.1% | $448,800 +10% |
| 2022 | $4,746 | $408,000 |
| 2021 | -- | -- |
| 2020 | $1,491 +6.9% | $146,313 +2.3% |
| 2019 | $1,395 | $143,023 +1.9% |
| 2018 | $1,395 +0.2% | $140,356 +2.1% |
| 2017 | $1,393 +24% | $137,469 +2.1% |
| 2016 | $1,123 -1% | $134,642 +0.7% |
| 2015 | $1,134 | $133,706 +0.8% |
| 2014 | $1,134 | $132,645 +1.5% |
| 2013 | -- | $130,685 -34% |
| 2012 | -- | $197,965 +3.3% |
| 2011 | -- | $191,675 |
| 2010 | -- | $191,675 |
| 2009 | -- | $191,675 +379.9% |
| 2008 | -- | $39,937 |
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.








