# 12011 Front Beach Road, Panama City Beach, FL 32407

> **TL;DR:** 2bd/2ba condo, $445,000 ($414/sqft), built 2005, 1,076 sqft.
> Waterfront, A/C. Est. $1,928/mo. Listed 111 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $445,000 |
| Price/sqft | $414 |
| Bedrooms | 2 |
| Bathrooms | 2 full |
| Square Feet | 1,076 |
| Year Built | 2005 |
| Property Type | Condo (Condominium) |
| Status | For Sale |
| Days on Market | 111 |

## Why This Home Stands Out

- **Waterfront** - Direct water access

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Mortgage (20% down, 6.5%) | $1,928 |
| **Total** | **$1,928** |

## Nearby Schools

- **Elementary:** Hutchison Beach
- **Middle:** Surfside
- **High:** Arnold

## Key Amenities

- Waterfront
- A/C

## Property Highlights

- Built in 2005
- Waterfront

## Description

### 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!

## Location

- **Address:** 12011 Front Beach Road, Panama City Beach, FL 32407
- **County:** Bay
- **Neighborhood:** Sterling Reef
- **Coordinates:** 30.188574, -85.827814
- **Google Maps:** https://www.google.com/maps?q=30.188574,-85.827814

## Listing Agent

- **Name:** Michele Morros
- **Brokerage:** Keller Williams Success Realty
- **Phone:** 8502589878
- **Email:** mmorros@comcast.net

## Primary Photo

![12011 Front Beach Road - Primary Photo](http://lh.rdcpix.com/95be4cdffe3fc965b1b1242a26303e50l-f3842146382r.jpg)

*36 total photos available on [listing page](https://www.propertysimple.com/listing/12011-front-beach-road-panama-city-beach-fl-32407-l784981)*

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**MLS#:** 784981 | **Updated:** 2026-06-19
**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.com/listing/12011-front-beach-road-panama-city-beach-fl-32407-l784981)

---

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