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For sale
  • $470,000

    14415 Front Beach Rd Unit 2103, Panama City Beach, FL 32413

    2beds
    1,146sqft
    : 
    $3,877/mo
    Get pre-qualified
    Condominium
    Built in 2008
    -- sqft lot
    $449,500 Zestimate®
    $410/sqft
    $888/mo HOA

    What's special

    Indoor poolFully furnishedBeautifully furnishedHot tubGulf-front swimming poolBreathtaking gulf viewsElevated ceilings
    Welcome to Ocean Reef 2103 -- Your Gulf-Front Getaway on the Emerald Coast! Experience breathtaking Gulf views and effortless coastal living from the 21st floor of Ocean Reef. This fully furnished, rental-ready, gulf-front condominium offers the perfect combination of spaciousness, comfort, and resort-style amenities, making it an exceptional vacation home, investment property, or both. One of the standout features of this residence is its coveted 10-foot ceilings and 8-foot interior doors, an exclusive feature offered only on floors 19 through 23 at Ocean Reef. From the moment you step inside, the elevated ceilings, taller doors, and open floor plan create an inviting sense of space and grandeur. Spectacular views of the Gulf of Mexico can be enjoyed from the living room, kitchen, and primary bedroom. Step outside onto the expansive 10' x 28' private balcony, where there's plenty of room to entertain, relax, and soak in the stunning scenery. It's the perfect place to watch spectacular sunsets, spot dolphins and schools of fish, or simply take in the seemingly endless views stretching along more than 20 miles of the Emerald Coast. The comfortable living area is designed for both relaxation and entertaining, featuring a sleeper sofa and two reclining chairs positioned to take full advantage of the incredible Gulf views. The fully equipped kitchen features stainless steel appliances, a breakfast bar with three bar stools, and an open design that flows seamlessly into the dining area, which comfortably seats six. The Gulf-front primary bedroom, with king bed, offers direct balcony access, allowing you to wake up to beautiful water views and enjoy the coastal breeze without leaving your room. The private primary bath includes a spacious walk-in shower. The guest bedroom currently features a queen bed but offers enough space to accommodate two queen beds, providing flexibility for owners and rental guests. A large laundry room adds valuable convenience while also providing generous storage space. The property also includes reserved, dedicated parking, an especially desirable feature for owners and guests. Ocean Reef offers an impressive collection of resort-style amenities, including a Gulf-front swimming pool, indoor pool, hot tub, sauna, steam room, and fitness room. Seasonal beach chair service is also available, offering chaise loungers and umbrellas for the ultimate beach-day experience. Location is another major advantage. Ocean Reef is conveniently situated approximately 1.5 miles from Pier Park, Panama City Beach's premier destination for shopping, dining, entertainment, and attractions. Directly across the street, you'll find a large gift shop, doughnut and coffee shop, mini-golf, go-kart track, snack bar, and more. And just two lots away, Runaway Island offers delicious beachfront dining with both indoor and outdoor seating. Whether you're looking for a turnkey rental investment, a second home, or your own Gulf-front escape, Ocean Reef 2103 checks all the boxes. Beautifully furnished, rental-ready, exceptionally spacious, and positioned high above the Gulf with unforgettable views -- this is one you won't want to miss. Put Ocean Reef 2103 at the top of your must-see list. You'll be glad you did!
    7 days
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    848
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    54
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    Zillow last checked:

    Listing updated:

    Listed by:

    John L Smith 850-830-9096,

    Distinctive Beach Real Estate

    Source: CPAR,MLS#: 793768MLS LogoOriginating 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
      Dining room
      • Level: First
      • Dimensions: 12 x 14
      Kitchen
      • Level: First
      • Dimensions: 10 x 9
      Living room
      • Level: First
      • Dimensions: 14 x 13.5
      Heating
      • Heat Pump
      Cooling
      • Ceiling Fan(s), Heat Pump
      Appliances
      • Included: Electric Oven, Electric Range, Electric Water Heater
      Features
      • Balcony, Double Vanity
      Interior area
      • Total structure area: 1,146
      • Total interior livable area: 1,146 sqft

      Property

      Parking
      • Total spaces: 1
      • Parking features: Additional Parking
      • Garage spaces: 1
      Features
      • Patio & porch: Balcony
      • Pool features: Gunite, Gas Heat, Indoor, In Ground, Community
      • Spa features: Community
      • Has view: Yes
      • View description: Gulf, Water
      • Has water view: Yes
      • Water view: Gulf,Water
      • Waterfront features: Gulf, Shoreline - Sand
      Details
      • Parcel number: 40001250137
      • 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, Stucco
      • Foundation: Pillar/Post/Pier
      • Roof: Membrane
      Condition
      • New construction: No
      • Year built: 2008

      Utilities & green energy

      • Sewer: Public Sewer

      Community & HOA

      Community
      • Features: Barbecue, Beach, Conference/Meeting Room, Elevator, Fitness Center, Pool, Sauna, Waterfront, Community Pool, Short Term Rental Allowed
      • Security: Building Security, Fire Sprinkler System, Security Lights, Fire Alarm, Smoke Detector(s), Security Service
      • Subdivision: Ocean Reef
      HOA
      • Has HOA: Yes
      • Amenities included: Beach Rights, Barbecue, Sauna, Spa/Hot Tub
      • Services included: Clubhouse, Fitness Facility, Internet, Pest Control, Pool(s), Sewer, Trash, Water
      • HOA fee: $2,663 quarterly
      Location
      • Region: Panama City Beach

      Financial & listing details

      • Price per square foot: $410/sqft
      • Tax assessed value: $488,750
      • Annual tax amount: $5,674
      • Date on market: 8/8/2026

        Estimated market value

        $449,500

        $427,000 - $472,000

        $2,375/mo

        Price history

        DateEventPrice
        8/8/2026Listed for sale$470,000-0.9%$410/sqft
        Source: CPAR #793768 Report a problem
        7/1/2026Listing removed$474,459$414/sqft
        Source: CPAR #774303 Report a problem
        6/25/2026Price change$474,4590%$414/sqft
        Source: CPAR #774303 Report a problem
        5/4/2026Price change$474,5000%$414/sqft
        Source: CPAR #774303 Report a problem
        4/16/2026Price change$474,6000%$414/sqft
        Source: CPAR #774303 Report a problem
        4/8/2026Price change$474,7000%$414/sqft
        Source: CPAR #774303 Report a problem
        3/18/2026Price change$474,8000%$414/sqft
        Source: CPAR #774303 Report a problem
        2/19/2026Price change$474,900-3%$414/sqft
        Source: CPAR #774303 Report a problem
        2/4/2026Price change$489,4900%$427/sqft
        Source: CPAR #774303 Report a problem
        1/12/2026Price change$489,5900%$427/sqft
        Source: CPAR #774303 Report a problem
        12/29/2025Price change$489,6900%$427/sqft
        Source: CPAR #774303 Report a problem
        11/5/2025Price change$489,7900%$427/sqft
        Source: CPAR #774303 Report a problem
        9/16/2025Listed for sale$489,890$427/sqft
        Source: CPAR #774303 Report a problem
        9/9/2025Pending sale$489,890$427/sqft
        Source: CPAR #774303 Report a problem
        6/2/2025Listed for sale$489,890-7.6%$427/sqft
        Source: CPAR #774303 Report a problem
        9/7/2021Listing removed--
        Source: CPAR #715202 Report a problem
        8/6/2021Listed for sale$529,999+121.8%$462/sqft
        Source: CPAR #715202 Report a problem
        2/26/2019Listing removed$2,500$2/sqft
        Source: Sand Seeker Realty Report a problem
        2/19/2019Listed for rent$2,500+56.3%$2/sqft
        Source: Sand Seeker Realty Report a problem
        2/12/2018Listing removed$1,600$1/sqft
        Source: Riviera Property Management Report a problem
        1/24/2018Listed for rent$1,600$1/sqft
        Source: Zillow Rental Manager Report a problem
        3/9/2009Sold$239,000$209/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2024$5,679 +4.4%$396,991 +10%
        2023$5,441 +24.5%$360,901 +10%
        2022$4,372 $328,092
        2021-- --
        2020$3,338 +12%$271,150 +10%
        2019$2,980 $246,500 +7.4%
        2018$2,980 +4.8%$229,500 -3.6%
        2017$2,845 +5%$238,000 -0.5%
        2016$2,710 +3%$239,275 +8.8%
        2015$2,631 $219,938 +7%
        2014$2,631 $205,615 -2.5%
        2013-- $210,800 +6.5%
        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.
        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.
        See how much you could borrow to make a competitive offer.

        Climate risks

        Neighborhood: 32413

        Getting around

        34 / 100
        Car-Dependent
        49 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        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.

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