About This Home

This 2-bedroom, 2-bathroom condo at 12011 Front Beach Road #405B in Panama City Beach, FL is listed for $430,000 ($400 per sqft). Built in 2005, the home offers 1,076 sqft of living space on a N/A lot.

Key Features

  • Built in 2005
  • Waterfront

Property Details

2 full
2-car garage
#405B
2005

Amenities

WaterfrontViewA/C
Listing Description

*Shown by Appointment* *$20k Price Reduction!!* WOW! Sterling Reef is one of the most sought-after Gulf front communities on the beach! Low density means no waiting for an elevator and always a seat on the pool deck! This 2 bed/2 bath unit is being sold fully furnished and includes washer and dryer!

New tile throughout! The main bedroom has its own private bath and glass slider providing over-sized patio access and an amazing view of the water from bed! Sterling Reef amenities include a fitness center with water view and two Gulf front pools for you to enjoy!

There is also a grill area with outdoor seating. Plenty of ground floor Garage parking! Sterling Reef is located next to the County Pier, which makes it perfect for fishing, and across from Shipwreck Water Park! Walk to dining and entertainment! *All measurements/info to be confirmed by buyer/representative.

Monthly Cost Estimate

$3,277/mo

20% down · 6.5% · 30 years

Principal$311
Interest$1,863
Insurance$125
HOA$977

Estimates only. Actual payments may vary.

Location

12011 Front Beach Road #405B

Panama City Beach, FL 32407

Sterling Reef

Features & Amenities

Interior Features

BalconyHandicapAccessMainLevelPrimaryTubShowerWalkInClosets

Property Details

Construction

Concrete Stucco

Views

Water

Heating

CentralElectric (Heating)

Cooling

Central AirCeiling Fan(s)

Appliances

ElectricCooktopElectricOvenElectricWaterHeater

Questions & Answers

This 2-bedroom, 2-bathroom condo at 12011 Front Beach Road is listed at $430,000 ($400/sqft). The estimated monthly payment is $3,276 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance, HOA fees.

HOA fees are $977/month.

Key features include: Built in 2005, Waterfront. Interior Features: Balcony, HandicapAccess, MainLevelPrimary.

This property is listed by Ryan T Powell.

RP

Ryan T Powell

License 3256250

Agent at Keller Williams Success Realty

Listed by Keller Williams Success Realty · Broker phone: (850) 249-0313 · View on Broker Site

MLS# 777834· Source: Central Panhandle Association of REALTORS· 434 days on PropertySimple

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 #405B, Panama City Beach, FL 32407

Open this listing in: