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

> **TL;DR:** 2bd/2ba condo, $439,900 ($409/sqft), built 2005, 1,076 sqft.
> Waterfront, A/C. Est. $1,906/mo. Listed 35 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $439,900 |
| Price/sqft | $409 |
| Bedrooms | 2 |
| Bathrooms | 2 full |
| Square Feet | 1,076 |
| Year Built | 2005 |
| Property Type | Condo (Condominium) |
| Status | For Sale |
| Days on Market | 35 |

## Why This Home Stands Out

- **Waterfront** - Direct water access

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Mortgage (20% down, 6.5%) | $1,906 |
| **Total** | **$1,906** |

## Nearby Schools

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

## Key Amenities

- Waterfront
- A/C

## Property Highlights

- Built in 2005
- Waterfront

## Description

### 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.

## Location

- **Address:** 12011 Front Beach Road, Panama City Beach, FL 32407
- **County:** Bay
- **Neighborhood:** Sterling Reef
- **Coordinates:** 30.188649, -85.828192
- **Google Maps:** https://www.google.com/maps?q=30.188649,-85.828192

## Listing Agent

- **Name:** Kay H Pate
- **Brokerage:** Beach Haven Realty
- **Phone:** 2053820647
- **Email:** sunnytimes850@gmail.com

## Primary Photo

![12011 Front Beach Road - Primary Photo](http://lh.rdcpix.com/cc5fd44e8d5b33e87727a0a3d2c8ec55l-f776641958r.jpg)

*45 total photos available on [listing page](https://www.propertysimple.com/listing/12011-front-beach-road-panama-city-beach-fl-32407-l789284)*

---

**MLS#:** 789284 | **Updated:** 2026-06-18
**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-l789284)

---

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