Curious about this home?

Ask anything — no agents, no pressure

Try asking

About This Home

This 2-bedroom, 2-bathroom condo at 12011 Front Beach Road in Panama City Beach, FL is listed for $439,900 ($409 per sqft). Built in 2005, the home offers 1,076 sqft of living space on a N/A lot.

Agent Description

Experience coastal living at its finest in this stunning 19th floor penthouse Gulf-front condo at Sterling Reef Condominiums. This beautifully updated two-bedroom, two-bath residence offers breathtaking views of the turquoise and emerald-green waters of the Gulf, perfectly complemented by sugar-white sands stretching for miles.

Designed for both comfort and style, this turnkey-rental ready condo comfortably sleeps up to six guests and features fresh updates throughout--including new paint completed within the last week, along with a new couch, chair, and rug that bring a bright, modern feel to the space.

The open living area flows seamlessly onto a spacious Gulf-front balcony, where you can relax, dine, or simply take in the unforgettable sunsets. The primary suite is a true retreat, complete with a private en-suite bath and its own direct balcony access--perfect for enjoying your morning coffee with the sound of the waves.

The second bedroom and full bath provide ample space and privacy for guests or family. Sterling Reef offers exceptional amenities, including a beachfront pool, fitness center, outdoor grilling stations, and picnic areas--everything you need for the perfect beachside lifestyle.

The location is unbeatable: situated directly next to M.B. Miller County Pier, you'll have front-row seats to incredible views and fishing opportunities. You're also across the street from Shipwreck Island Waterpark and just minutes from shopping, dining, and entertainment at Pier Park.

Even better, enjoy spectacular Independence Day fireworks right from your own balcony--no crowds required. This condo is a proven rental with great rental history. Even better, reservations are already secured for 2026, offering immediate, turnkey income for the next owner. Whether you're looking for a personal getaway, investment property, or vacation rental, this penthouse truly has it all--luxury, location, and lifestyle you simply can't beat.

Key Features

  • Built in 2005
  • Waterfront

Property Details

2 full
#1902B
2005

Amenities

WaterfrontA/C

Monthly Cost Estimate

$2,353/mo

20% down · 6.5% · 30 years

Principal$318
Interest$1,906
Insurance$128

Estimates only. Actual payments may vary.

Location

12011 Front Beach Road

Panama City Beach, FL 32407

Sterling Reef

Property Details

Construction

Concrete

Heating

CentralElectric (Heating)

Cooling

Ceiling Fan(s)Central Air

Appliances

ConvectionOvenWasherDryerStackedElectricCooktopIceMaker

Questions & Answers

This 2-bedroom, 2-bathroom condo at 12011 Front Beach Road is listed at $439,900 ($409/sqft). The estimated monthly payment is $1,906 based on 20% down at 6.5% interest.

Key features include: Built in 2005, Waterfront.

This property is listed by Kay H Pate and can be reached at 2053820647 or sunnytimes850@gmail.com.

KP

Kay H Pate

Agent at Beach Haven Realty

(205) 382-0647

Listed by Beach Haven Realty · View on Broker Site

MLS# 789284· Source: listhub· Updated 35 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

Open this listing in: