About This Home

This 3-bedroom, 3-bathroom townhouse at 10999 Front Beach Road #6 in Panama City, FL is listed for $1,199,999 ($777 per sqft). Built in 1993, the home offers 1,545 sqft of living space on a 0.06 acres lot.

Key Features

  • Built in 1993
  • 0.06 acre lot
  • Waterfront

Property Details

2 full, 1 half
#6
1993

Amenities

WaterfrontA/C
Listing Description

Experience true Gulf-front living with this rare 3-bedroom, 2.5-bath beachfront townhome with Hall bunks located directly on the sand in the heart of Panama City Beach and with NO HOA. Forget elevators, parking garages, and hauling beach gear across a resort.

Here, you can simply step off your private back deck and onto the sugar-white sand of the Gulf of Mexico. This property has been used as a second home and has been exceptionally well cared for, offering buyers a move-in-ready coastal retreat with the added potential to become an amazing short-term rental investment.

The spacious three-bedroom layout provides plenty of room for family, guests, or vacationers. Enjoy morning coffee with the sound of the waves, spend your afternoons soaking up the Florida sunshine, end the day with sunset walks along the beach or a glass of wine and hot tub time just steps from your door.

Centrally located along Front Beach Road, you are convenient to some of Panama City Beach's favorite restaurants, shopping, entertainment, and attractions while still enjoying the privacy and character of a true beachfront home. Whether you are looking for a second home, full-time beach residence, or a property with strong vacation-rental appeal, this one checks some very hard-to-find boxes.

Direct Gulf frontage, private beach access, three bedrooms, NO HOA, and the opportunity to create an incredible PCB short-term rental.

Monthly Cost Estimate

$6,418/mo

20% down · 6.5% · 30 years

Principal$868
Interest$5,200
Insurance$350

Estimates only. Actual payments may vary.

Location

10999 Front Beach Road #6

Panama City, FL 32407

Long Beach

Features & Amenities

Interior Features

SoakingTubTubShower

Exterior Features

Deck

Property Details

Flooring

PlankVinyl

Outdoor Features

Deck

Heating

Central

Cooling

Central AirCeiling Fan(s)

Appliances

ElectricRangeElectricWaterHeater

Questions & Answers

This 3-bedroom, 3-bathroom townhouse at 10999 Front Beach Road is listed at $1,199,999 ($777/sqft). The estimated monthly payment is $6,418 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance.

Key features include: Built in 1993, 0.06 acre lot, Waterfront. Interior Features: SoakingTub, TubShower. Exterior Features: Deck.

This property is listed by Sandi Smith.

SS

Sandi Smith

Agent at Dalton Wade

Listed by Dalton Wade · Broker phone: (727) 888-4175 · View on Broker Site

MLS# 795051· Source: Central Panhandle Association of REALTORS· 51 days on PropertySimple

Copyright © 2026 Central Panhandle Association of REALTORS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

10999 Front Beach Road #6, Panama City, FL 32407

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