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About This Home

This 3-bedroom, 2-bathroom condo at 12011 Front Beach Road in Panama City Beach, FL is listed for $674,900 ($425 per sqft). Built in 2005, the home offers 1,588 sqft of living space on a N/A lot.

Agent Description

Wake up to breathtaking, unobstructed views of the sparkling emerald waters and sugar-white sands of Panama City Beach from this beautiful view positioned 3-bedroom, 2-bath condominium at Sterling Reef. Located on the highly desirable east side of the building, this second-floor unit offers a unique vantage point where it feels as though your balcony extends directly into the Gulf of America.

Unlike many units in the area, this condo has never been used as a rental and has been privately owned, offering exceptional care and pride of ownership throughout. While short-term rentals are allowed, this property presents a rare opportunity to own a pristine, never-rented by current owners and a perfect beachfront retreat or establish a premium vacation rental investment.

Perfectly situated next to MB Miller County Pier, you'll enjoy front-row seats to spectacular fireworks displays right from your private balcony. The second-floor location provides the ideal elevation for enjoying panoramic Gulf views while maintaining a close connection to the beach and water below.

Sterling Reef offers outstanding amenities, including a Gulf-front pool, fitness center, activity room, grilling areas, and direct beach access. Conveniently located near dining, shopping, entertainment, and local attractions, this condo combines an unbeatable location with stunning views and exceptional ownership history. Opportunities like this don't come along often--don't let this one slip away!

Key Features

  • Built in 2005
  • Waterfront

Property Details

2 full
#201C
2005

Amenities

WaterfrontA/C

Monthly Cost Estimate

$3,610/mo

20% down · 6.5% · 30 years

Principal$488
Interest$2,925
Insurance$197

Estimates only. Actual payments may vary.

Location

12011 Front Beach Road

Panama City Beach, FL 32407

Sterling Reef

Features & Amenities

Interior Features

MainLevelPrimary

Property Details

Heating

Electric (Heating)

Cooling

Ceiling Fan(s)

Appliances

WasherDryerStackedElectricRange

Questions & Answers

This 3-bedroom, 2-bathroom condo at 12011 Front Beach Road is listed at $674,900 ($425/sqft). The estimated monthly payment is $2,925 based on 20% down at 6.5% interest.

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

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# 791304· Source: listhub· Updated 1 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

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