# 12011 Front Beach Road #405B, Panama City Beach, FL 32407 > **TL;DR:** 2bd/2ba condo, $430,000 ($400/sqft), built 2005, 1,076 sqft. > Waterfront, View, A/C, 2-car garage. Est. $3,276/mo. Listed 435 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $430,000 | | Price/sqft | $400 | | Bedrooms | 2 | | Bathrooms | 2 full | | Square Feet | 1,076 | | Year Built | 2005 | | Garage | 2-car | | Property Type | Condo (Condominium) | | Status | Active | | Days on Market | 435 | ## Why This Home Stands Out - **Waterfront** - Waterfront location listed - **Views** - Water ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $2,174 | | Estimated Insurance | $125 | | HOA | $977 | | **Total** | **$3,276** | ## Nearby Schools - **Elementary:** Hutchison Beach - **Middle:** Surfside - **High:** Arnold ## Key Amenities - Waterfront - View - A/C - 2-car garage ## Property Highlights - Built in 2005 - Waterfront ## Description ### Agent 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. ## Location - **Address:** 12011 Front Beach Road #405B, Panama City Beach, FL 32407 - **County:** Bay - **Neighborhood:** Sterling Reef - **Coordinates:** 30.188674, -85.827835 - **Google Maps:** https://www.google.com/maps?q=30.188674,-85.827835 ## Listing Agent - **Name:** Ryan T Powell · **License:** 3256250 - **Brokerage:** Keller Williams Success Realty - **Broker Phone:** (850) 249-0313 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/12011-Front-Beach-Rd-Unit-405_Panama-City-Beach_FL_32407_M68257-55041?f=listhub&s=BCARFL&m=777834&c=propsimple) ## Photos ![12011 Front Beach Road #405B - Photo 1](http://lh.rdcpix.com/b449cefef090c7dc6bf8985ae2496484l-f1563576776r.jpg) ![12011 Front Beach Road #405B - Photo 2](http://lh.rdcpix.com/b449cefef090c7dc6bf8985ae2496484l-f2580244630r.jpg) ![12011 Front Beach Road #405B - Photo 3](http://lh.rdcpix.com/b449cefef090c7dc6bf8985ae2496484l-f3246437947r.jpg) ![12011 Front Beach Road #405B - Photo 4](http://lh.rdcpix.com/b449cefef090c7dc6bf8985ae2496484l-f1825602714r.jpg) ![12011 Front Beach Road #405B - Photo 5](http://lh.rdcpix.com/b449cefef090c7dc6bf8985ae2496484l-f2084141563r.jpg) ![12011 Front Beach Road #405B - Photo 6](http://lh.rdcpix.com/b449cefef090c7dc6bf8985ae2496484l-f1003364532r.jpg) ![12011 Front Beach Road #405B - Photo 7](http://lh.rdcpix.com/b449cefef090c7dc6bf8985ae2496484l-f2715401810r.jpg) ![12011 Front Beach Road #405B - Photo 8](http://lh.rdcpix.com/b449cefef090c7dc6bf8985ae2496484l-f787375729r.jpg) ![12011 Front Beach Road #405B - Photo 9](http://lh.rdcpix.com/b449cefef090c7dc6bf8985ae2496484l-f1698339688r.jpg) ![12011 Front Beach Road #405B - Photo 10](http://lh.rdcpix.com/b449cefef090c7dc6bf8985ae2496484l-f866513824r.jpg) ![12011 Front Beach Road #405B - Photo 11](http://lh.rdcpix.com/b449cefef090c7dc6bf8985ae2496484l-f1460504831r.jpg) ![12011 Front Beach Road #405B - Photo 12](http://lh.rdcpix.com/b449cefef090c7dc6bf8985ae2496484l-f1324273524r.jpg) ![12011 Front Beach Road #405B - Photo 13](http://lh.rdcpix.com/b449cefef090c7dc6bf8985ae2496484l-f998893531r.jpg) ![12011 Front Beach Road #405B - Photo 14](http://lh.rdcpix.com/b449cefef090c7dc6bf8985ae2496484l-f953231989r.jpg) ![12011 Front Beach Road #405B - Photo 15](http://lh.rdcpix.com/b449cefef090c7dc6bf8985ae2496484l-f1849935169r.jpg) ![12011 Front Beach Road #405B - Photo 16](http://lh.rdcpix.com/b449cefef090c7dc6bf8985ae2496484l-f3318223587r.jpg) ![12011 Front Beach Road #405B - Photo 17](http://lh.rdcpix.com/b449cefef090c7dc6bf8985ae2496484l-f466322628r.jpg) ![12011 Front Beach Road #405B - Photo 18](http://lh.rdcpix.com/b449cefef090c7dc6bf8985ae2496484l-f864034273r.jpg) ![12011 Front Beach Road #405B - Photo 19](http://lh.rdcpix.com/b449cefef090c7dc6bf8985ae2496484l-f391828943r.jpg) ![12011 Front Beach Road #405B - Photo 20](http://lh.rdcpix.com/b449cefef090c7dc6bf8985ae2496484l-f913992510r.jpg) ![12011 Front Beach Road #405B - Photo 21](http://lh.rdcpix.com/b449cefef090c7dc6bf8985ae2496484l-f3476033358r.jpg) ![12011 Front Beach Road #405B - Photo 22](http://lh.rdcpix.com/b449cefef090c7dc6bf8985ae2496484l-f1040328471r.jpg) ![12011 Front Beach Road #405B - Photo 23](http://lh.rdcpix.com/b449cefef090c7dc6bf8985ae2496484l-f2658449241r.jpg) ![12011 Front Beach Road #405B - Photo 24](http://lh.rdcpix.com/b449cefef090c7dc6bf8985ae2496484l-f2314013233r.jpg) --- **MLS#:** 777834 | **Updated:** 2026-10-26 **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://staging.propertysimple.ai/listing/12011-front-beach-road-panama-city-beach-fl-32407-102e60ad66344fb196d537af52d7491c) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://staging.propertysimple.ai/listing/12011-front-beach-road-panama-city-beach-fl-32407-102e60ad66344fb196d537af52d7491c#listing", "url": "https://staging.propertysimple.ai/listing/12011-front-beach-road-panama-city-beach-fl-32407-102e60ad66344fb196d537af52d7491c", "name": "12011 Front Beach Road #405B, Panama City Beach, FL 32407", "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! 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