# 10999 Front Beach Road #6, Panama City, FL 32407 > **TL;DR:** 3bd/3ba townhouse, $1,199,999 ($777/sqft), built 1993, 1,545 sqft. > Waterfront, A/C. Est. $6,418/mo. Listed 54 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $1,199,999 | | Price/sqft | $777 | | Bedrooms | 3 | | Bathrooms | 2 full, 1 half | | Square Feet | 1,545 | | Year Built | 1993 | | Lot Size | 2,614 sqft (0.06 acres) | | Property Type | Townhouse (Townhouse) | | Status | Active | | Days on Market | 54 | ## Why This Home Stands Out - **Waterfront** - Waterfront location listed ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $6,068 | | Estimated Insurance | $350 | | **Total** | **$6,418** | ## Nearby Schools - **Elementary:** Hutchison Beach - **Middle:** Surfside - **High:** Arnold ## Key Amenities - Waterfront - A/C ## Property Highlights - Built in 1993 - 0.06 acre lot - Waterfront ## Description ### Agent 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. ## Location - **Address:** 10999 Front Beach Road #6, Panama City, FL 32407 - **County:** Bay - **Neighborhood:** Long Beach - **Coordinates:** 30.1812, -85.815145 - **Google Maps:** https://www.google.com/maps?q=30.1812,-85.815145 ## Listing Agent - **Name:** Sandi Smith - **Brokerage:** Dalton Wade - **Broker Phone:** (727) 888-4175 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/10999-Front-Beach-Rd-Apt-6_Panama-City_FL_32407_M58597-62046?f=listhub&s=BCARFL&m=795051&c=propsimple) ## Photos ![10999 Front Beach Road #6 - Photo 1](http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f479089979r.jpg) ![10999 Front Beach Road #6 - Photo 2](http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f2772050149r.jpg) ![10999 Front Beach Road #6 - Photo 3](http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f2003488959r.jpg) ![10999 Front Beach Road #6 - Photo 4](http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f212718916r.jpg) ![10999 Front Beach Road #6 - Photo 5](http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f3259704801r.jpg) ![10999 Front Beach Road #6 - Photo 6](http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f3469413901r.jpg) ![10999 Front Beach Road #6 - Photo 7](http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f1667951799r.jpg) ![10999 Front Beach Road #6 - Photo 8](http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f3734166308r.jpg) ![10999 Front Beach Road #6 - Photo 9](http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f1293882500r.jpg) ![10999 Front Beach Road #6 - Photo 10](http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f3583345152r.jpg) ![10999 Front Beach Road #6 - Photo 11](http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f2906326361r.jpg) ![10999 Front Beach Road #6 - Photo 12](http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f2043272464r.jpg) ![10999 Front Beach Road #6 - Photo 13](http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f56231403r.jpg) ![10999 Front Beach Road #6 - Photo 14](http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f3644817904r.jpg) ![10999 Front Beach Road #6 - Photo 15](http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f1801722979r.jpg) ![10999 Front Beach Road #6 - Photo 16](http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f1381531509r.jpg) ![10999 Front Beach Road #6 - Photo 17](http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f2177584405r.jpg) ![10999 Front Beach Road #6 - Photo 18](http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f256141720r.jpg) ![10999 Front Beach Road #6 - Photo 19](http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f581860516r.jpg) ![10999 Front Beach Road #6 - Photo 20](http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f2920286099r.jpg) ![10999 Front Beach Road #6 - Photo 21](http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f734975017r.jpg) ![10999 Front Beach Road #6 - Photo 22](http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f2630061214r.jpg) ![10999 Front Beach Road #6 - Photo 23](http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f2780622571r.jpg) ![10999 Front Beach Road #6 - Photo 24](http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f3011806625r.jpg) ![10999 Front Beach Road #6 - Photo 25](http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f1368044617r.jpg) ![10999 Front Beach Road #6 - Photo 26](http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f3390959478r.jpg) ![10999 Front Beach Road #6 - Photo 27](http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f2213825246r.jpg) ![10999 Front Beach Road #6 - Photo 28](http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f3102535656r.jpg) ![10999 Front Beach Road #6 - Photo 29](http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f3931520481r.jpg) ![10999 Front Beach Road #6 - Photo 30](http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f165715743r.jpg) ![10999 Front Beach Road #6 - Photo 31](http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f956134152r.jpg) --- **MLS#:** 795051 | **Updated:** 2026-10-22 **Source:** listhub *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.* [View on PropertySimple](https://www.propertysimple.ai/listing/10999-front-beach-road-panama-city-fl-32407-edaa2dc67fbc413ab2d4f9b1a7565bd8) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/10999-front-beach-road-panama-city-fl-32407-edaa2dc67fbc413ab2d4f9b1a7565bd8#listing", "url": "https://www.propertysimple.ai/listing/10999-front-beach-road-panama-city-fl-32407-edaa2dc67fbc413ab2d4f9b1a7565bd8", "name": "10999 Front Beach Road #6, Panama City, FL 32407", "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.", "image": [ "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f479089979r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f2772050149r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f2003488959r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f212718916r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f3259704801r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f3469413901r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f1667951799r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f3734166308r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f1293882500r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f3583345152r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f2906326361r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f2043272464r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f56231403r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f3644817904r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f1801722979r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f1381531509r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f2177584405r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f256141720r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f581860516r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f2920286099r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f734975017r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f2630061214r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f2780622571r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f3011806625r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f1368044617r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f3390959478r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f2213825246r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f3102535656r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f3931520481r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f165715743r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f956134152r.jpg" ], "primaryImageOfPage": { "@type": "ImageObject", "url": "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f479089979r.jpg", "caption": "10999 Front Beach Road #6 - Panama City, FL" }, "datePosted": "2026-09-04", "dateModified": "2026-10-22T04:32:41.150Z", "mainEntity": { "@type": "Accommodation", "@id": "https://www.propertysimple.ai/listing/10999-front-beach-road-panama-city-fl-32407-edaa2dc67fbc413ab2d4f9b1a7565bd8#property", "name": "10999 Front Beach Road #6, Panama City, FL 32407", "address": { "@type": "PostalAddress", "streetAddress": "10999 Front Beach Road #6", "addressLocality": "Panama City", "addressRegion": "FL", "postalCode": "32407", "addressCountry": "US" }, "geo": { "@type": "GeoCoordinates", "latitude": 30.1812, "longitude": -85.815145 }, "image": [ "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f479089979r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f2772050149r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f2003488959r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f212718916r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f3259704801r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f3469413901r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f1667951799r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f3734166308r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f1293882500r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f3583345152r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f2906326361r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f2043272464r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f56231403r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f3644817904r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f1801722979r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f1381531509r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f2177584405r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f256141720r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f581860516r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f2920286099r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f734975017r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f2630061214r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f2780622571r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f3011806625r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f1368044617r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f3390959478r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f2213825246r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f3102535656r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f3931520481r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f165715743r.jpg", "http://lh.rdcpix.com/37a7393b929f3162a7179806f9431ae6l-f956134152r.jpg" ], "identifier": { "@type": "PropertyValue", "propertyID": "MLS", "value": "795051" }, "accommodationCategory": "Townhouse", "numberOfBedrooms": 3, "numberOfBathroomsTotal": 3, "numberOfFullBathrooms": 2, "numberOfPartialBathrooms": 1, "floorSize": { "@type": "QuantitativeValue", "value": 1545, "unitCode": "FTK", "unitText": "square feet" }, "yearBuilt": 1993, "amenityFeature": [ { "@type": "LocationFeatureSpecification", "name": "Heating", "value": "Central" }, { "@type": "LocationFeatureSpecification", "name": "Cooling", "value": "Central Air, Ceiling Fan(s)" }, { "@type": "LocationFeatureSpecification", "name": "Appliances", "value": "ElectricRange, ElectricWaterHeater" }, { "@type": "LocationFeatureSpecification", "name": "Flooring", "value": "Plank, Vinyl" }, { "@type": "LocationFeatureSpecification", "name": "Pool Features", "value": "Deck" }, { "@type": "LocationFeatureSpecification", "name": "Waterfront", "value": true }, { "@type": "LocationFeatureSpecification", "name": "Air Conditioning", "value": true } ], "additionalProperty": [ { "@type": "PropertyValue", "name": "Lot Size", "value": "0.06 acres" }, { "@type": "PropertyValue", "name": "Unit Number", "value": "6" }, { "@type": "PropertyValue", "name": "Property Subtype", "value": "Townhouse" } ] }, "offers": { "@type": "Offer", "@id": "https://www.propertysimple.ai/listing/10999-front-beach-road-panama-city-fl-32407-edaa2dc67fbc413ab2d4f9b1a7565bd8#offer", "url": "https://www.propertysimple.ai/listing/10999-front-beach-road-panama-city-fl-32407-edaa2dc67fbc413ab2d4f9b1a7565bd8", "price": 1199999, "priceCurrency": "USD", "businessFunction": "http://purl.org/goodrelations/v1#Sell", "availability": "https://schema.org/InStock", "seller": { "@id": "https://www.propertysimple.ai/listing/10999-front-beach-road-panama-city-fl-32407-edaa2dc67fbc413ab2d4f9b1a7565bd8#agent" } }, "provider": { "@type": "Person", "@id": "https://www.propertysimple.ai/listing/10999-front-beach-road-panama-city-fl-32407-edaa2dc67fbc413ab2d4f9b1a7565bd8#agent", "name": "Sandi Smith", "worksFor": { "@type": "Organization", "@id": "https://www.propertysimple.ai/listing/10999-front-beach-road-panama-city-fl-32407-edaa2dc67fbc413ab2d4f9b1a7565bd8#brokerage", "name": "Dalton Wade", "telephone": "(727) 888-4175" } } } ```