Skip main navigation
For sale
    • Price cut: $14K (11/2)
    $285,000

    8700 Front Beach Rd Unit 4104, Panama City Beach, FL 32407

    3beds
    1,761sqft
    : 
    $2,728/mo
    Get pre-qualified
    Single Family Residence
    Built in 2009
    -- sqft lot
    $-- Zestimate®
    $162/sqft
    $862/mo HOA

    What's special

    Beautifully maintained gated communitySpacious island reserve condoCovered parking garagePalm-tree-lined walkways
    Welcome to resort-style living at Island Reserve! This spacious ground-floor 3-bedroom, 2.5-bath condominium offers approximately 1,761 square feet and an opportunity to make this home your own. Being offered as a VA foreclosure, this property is ready for a new owner to bring their personal touches and vision. Island Reserve is a beautifully maintained gated community in the heart of Panama City Beach, known for its tropical, resort-style atmosphere. Enjoy palm-tree-lined walkways and lush landscaping throughout the community, along with an impressive lagoon-style zero-entry pool featuring a rock waterfall. Community amenities also include a fitness center, indoor basketball and pickleball, game room, media/theater room, hot tub and covered parking garage. The ground-floor location provides convenient access without the need to depend on elevators and makes coming and going a breeze. Centrally located along Front Beach Road with convenient access to the beautiful white-sand beaches of the Gulf of Mexico, shopping, dining, entertainment, golf and everything Panama City Beach has to offer. Whether you're looking for a primary residence or a second home at the beach, this spacious Island Reserve condo offers tremendous potential. Bring your ideas and make Unit 4104 your own piece of paradise in Panama City Beach! VA FORECLOSURE -- property is being sold AS-IS. Buyer to verify all measurements, information and community restrictions if important.
    40 days
    423
    9

    Zillow last checked:

    Listing updated:

    Listed by:

    Pam D Mathis 229-563-6088,

    Five Star Realty Group, LLC

    Source: CPAR,MLS#: 796024MLS LogoOriginating MLS: Central Panhandle Association of REALTORS

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 3
      • Bathrooms: 3
      • Full bathrooms: 2
      • 1/2 bathrooms: 1
      Rooms
      • Room types: Bedroom, Dining Room, Kitchen, Living Room, Other
      Bedroom
      • Level: First
      • Dimensions: 16 x 12
      Bedroom
      • Level: First
      • Dimensions: 14 x 10
      Bedroom
      • Level: First
      • Dimensions: 14 x 10
      Dining room
      • Level: First
      • Dimensions: 10 x 6
      Kitchen
      • Level: First
      • Dimensions: 14 x 12
      Living room
      • Level: First
      • Dimensions: 18 x 17
      Other
      • Description: porch
      • Level: First
      • Dimensions: 28 x 14
      Interior area
      • Total structure area: 1,761
      • Total interior livable area: 1,761 sqft

      Property

      Details
      • Parcel number: 40001100107

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Contemporary
      • Property subtype: Single Family Residence
      • Attached to another structure: Yes
      Condition
      • New construction: No
      • Year built: 2009

      Utilities & green energy

      • Utilities for property: Electricity Available, Sewer Available

      Community & HOA

      Community
      • Subdivision: Island Reserve
      HOA
      • Has HOA: Yes
      • Amenities included: Business Center, Game Room
      • Services included: Association Management, Clubhouse, Cable TV, Fitness Facility, Legal/Accounting, Maintenance Grounds, Pool(s), Recreation Facilities, Security
      • HOA fee: $2,586 quarterly
      Location
      • Region: Panama City Beach

      Financial & listing details

      • Price per square foot: $162/sqft
      • Tax assessed value: $323,000
      • Date on market: 9/29/2026
      • Cumulative days on market: 41 days
      • Electric utility on property: Yes

        Estimated market value

        Not available

        Estimated sales range

        Not available

        Not available

        Price history

        DateEventPrice
        11/2/2026Price change$285,000-4.7%$162/sqft
        Source: CPAR #796024 Report a problem
        9/29/2026Listed for sale$299,000+58.9%$170/sqft
        Source: CPAR #796024 Report a problem
        8/19/2026Sold$188,200-24.7%$107/sqft
        Source: Public Record Report a problem
        5/15/2026Listing removed$250,000$142/sqft
        Source: CPAR #781639 Report a problem
        4/28/2026Pending sale$250,000$142/sqft
        Source: CPAR #781639 Report a problem
        4/25/2026Price change$250,000-10.4%$142/sqft
        Source: CPAR #781639 Report a problem
        4/16/2026Pending sale$279,000$158/sqft
        Source: CPAR #781639 Report a problem
        3/4/2026Price change$279,000-0.4%$158/sqft
        Source: CPAR #781639 Report a problem
        2/17/2026Price change$280,000-0.4%$159/sqft
        Source: CPAR #781639 Report a problem
        12/18/2025Price change$281,000-2.8%$160/sqft
        Source: CPAR #781639 Report a problem
        11/14/2025Listed for sale$289,000-3.3%$164/sqft
        Source: CPAR #781639 Report a problem
        10/28/2025Listing removed$299,000$170/sqft
        Source: CPAR #759757 Report a problem
        6/25/2025Price change$299,000-3.5%$170/sqft
        Source: CPAR #759757 Report a problem
        5/10/2025Price change$310,000-2.2%$176/sqft
        Source: CPAR #759757 Report a problem
        4/9/2025Price change$317,000-0.9%$180/sqft
        Source: CPAR #759757 Report a problem
        12/10/2024Price change$320,000-1.5%$182/sqft
        Source: CPAR #759757 Report a problem
        12/5/2024Price change$325,000-1.5%$185/sqft
        Source: CPAR #759757 Report a problem
        10/19/2024Price change$330,000-2.9%$187/sqft
        Source: CPAR #759757 Report a problem
        8/1/2024Price change$340,000-5.6%$193/sqft
        Source: CPAR #759757 Report a problem
        7/11/2024Listed for sale$360,000+37.4%$204/sqft
        Source: CPAR #759757 Report a problem
        4/18/2019Sold$262,000+0.8%$149/sqft
        Source: CPAR #680953 Report a problem
        3/4/2019Price change$259,900+0.7%$148/sqft
        Source: Coldwell Banker Residential Real Estate - Panama City Beach - Thomas Dr. #680953 Report a problem
        2/12/2019Listed for sale$258,000+44.1%$147/sqft
        Source: Owner Report a problem
        5/1/2014Sold$179,000+27%$102/sqft
        Source: Public Record Report a problem
        11/19/2009Sold$141,000$80/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025-- $250,036 +2.9%
        2024-- $242,989 +3%
        2023$2,501 +11.3%$235,912 +3%
        2022$2,248 $229,041
        2021-- --
        2020$2,249 -13.2%$219,300 +9.3%
        2019$2,591 $200,702 +10%
        2018$2,591 +10.9%$182,456 +10%
        2017$2,336 +7.2%$165,869 +10%
        2016$2,178 +17.3%$150,790 +9.5%
        2015$1,857 $137,700 +4.3%
        2014$1,857 $131,963 +0.2%
        2013-- $131,750 +1.6%
        2012-- $129,625 -12.4%
        2011-- $147,900 -2.8%
        2010-- $152,150 +547.8%
        2008-- $23,486
        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.
        Get pre-qualified

        Climate risks

        Neighborhood: 32407

        Getting around

        34 / 100
        Car-Dependent
        60 / 100
        Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • Elementary: Breakfast Point
        • Middle: Breakfast Point
        • 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.

        Browse local experts

        Similar homes

              Nearby cities

              Nearby neighborhoods

              Nearby zip codes

              Other Panama City Beach Topics

                Search
                Updates
                Favorites
                Plan
                Inbox