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About This Home

This 2-bedroom, 2-bathroom condo at 12011 Front Beach Road in Panama City Beach, FL is listed for $445,000 ($414 per sqft). Built in 2005, the home offers 1,076 sqft of living space on a N/A lot.

Agent Description

Enjoy stunning Gulf-front living with a true Gulf-front primary bedroom and gorgeous views from the living room, dining area, and kitchen. This charming condo is perfectly positioned on an ideal floor height to fully capture sweeping views of the Emerald Coast's sugar-white sands and emerald-green waters.

Sterling Reef offers a prime Panama City Beach location just steps from Shipwreck Island Water Park and within walking distance to the fishing pier. The resort features outstanding amenities including a bi-level Gulf-front pool (heated seasonally), a fitness center overlooking the pool and beach, a terrace grilling area, an Owner's Lounge with flat-screen TV, and convenient covered parking located directly beneath the building.

Whether you're searching for a personal beach getaway or a strong rental investment, this super cute condo is a must-see. Call today to make it yours!

Key Features

  • Built in 2005
  • Waterfront

Property Details

2 full
#1004B
2005

Amenities

WaterfrontA/C

Monthly Cost Estimate

$2,380/mo

20% down · 6.5% · 30 years

Principal$322
Interest$1,928
Insurance$130

Estimates only. Actual payments may vary.

Location

12011 Front Beach Road

Panama City Beach, FL 32407

Sterling Reef

Property Details

Heating

CentralElectric (Heating)

Cooling

Ceiling Fan(s)Central Air

Appliances

WasherDryerStackedElectricOven

Questions & Answers

This 2-bedroom, 2-bathroom condo at 12011 Front Beach Road is listed at $445,000 ($414/sqft). The estimated monthly payment is $1,928 based on 20% down at 6.5% interest.

Key features include: Built in 2005, Waterfront.

This property is listed by Michele Morros and can be reached at 8502589878 or mmorros@comcast.net.

MM

Michele Morros

Agent at Keller Williams Success Realty

(850) 258-9878

Listed by Keller Williams Success Realty · View on Broker Site

MLS# 784981· Source: listhub· Updated 111 days ago

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.

12011 Front Beach Road, Panama City Beach, FL 32407

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