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

> **TL;DR:** 3bd/2ba condo, $674,900 ($425/sqft), built 2005, 1,588 sqft.
> Waterfront, A/C. Est. $2,925/mo. Listed 12 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $674,900 |
| Price/sqft | $425 |
| Bedrooms | 3 |
| Bathrooms | 2 full |
| Square Feet | 1,588 |
| Year Built | 2005 |
| Property Type | Condo (Condominium) |
| Status | For Sale |
| Days on Market | 12 |

## Why This Home Stands Out

- **Waterfront** - Direct water access

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Mortgage (20% down, 6.5%) | $2,925 |
| **Total** | **$2,925** |

## Nearby Schools

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

## Key Amenities

- Waterfront
- A/C

## Property Highlights

- Built in 2005
- Waterfront

## Description

### 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!

## Location

- **Address:** 12011 Front Beach Road, Panama City Beach, FL 32407
- **County:** Bay
- **Neighborhood:** Sterling Reef
- **Coordinates:** 30.188714, -85.827932
- **Google Maps:** https://www.google.com/maps?q=30.188714,-85.827932

## 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/e840359dc61329d365107f07ee2651a5l-f1750035446r.jpg)

*45 total photos available on [listing page](https://www.propertysimple.com/listing/12011-front-beach-road-panama-city-beach-fl-32407-l791304)*

---

**MLS#:** 791304 | **Updated:** 2026-06-24
**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-l791304)

---

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