# 21504 Front Beach Road #11, Panama City Beach, FL 32413 > **TL;DR:** 4bd/3ba single family, $1,374,900 ($651/sqft), built 2003, 2,111 sqft. > Waterfront, View. Est. $8,103/mo. Listed 61 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $1,374,900 | | Price/sqft | $651 | | Bedrooms | 4 | | Bathrooms | 2 full, 1 half | | Square Feet | 2,111 | | Year Built | 2003 | | Lot Size | 2,178 sqft (0.05 acres) | | Stories | 3 | | Property Type | Single Family (Single Family Residence) | | Status | Active | | Days on Market | 61 | ## Why This Home Stands Out - **Waterfront** - Waterfront location listed - **Views** - Lake ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $6,952 | | Estimated Insurance | $401 | | HOA | $750 | | **Total** | **$8,103** | ## Nearby Schools - **Elementary:** West Bay - **Middle:** Surfside - **High:** Arnold ## Key Amenities - Waterfront - View ## Property Highlights - Built in 2003 - 0.05 acre lot - 3 stories - Waterfront ## Description ### Agent Description Welcome to Panama Joe's--where the Florida Coastal Lifestyle meets exceptional vacation rental potential! This 4-bedroom, 3-bathroom vacation rental home is ideally positioned on the highly desirable West End of Panama City Beach, directly across the street from the Gulf. With Gulf views, a coastal dune lake in the backyard, and a proven history as a high-performing vacation rental, Panama Joe's offers an exceptional combination of lifestyle and investment opportunity. Just steps from the beach, guests can easily spend their days enjoying the sugar-white sand and emerald waters of the Gulf of Mexico, then return home to relax and take in the coastal surroundings. The Gulf views add an extra layer of appeal, while the coastal dune lake directly behind the property creates a truly unique backyard setting that is hard to replicate. Inside, the spacious 4-bedroom, 3-bath layout provides comfortable accommodations for families and groups, making this an ideal vacation home for generating rental income while still offering a place for the owners to enjoy themselves. The West End is known for its more relaxed coastal atmosphere while still putting you within easy reach of Panama City Beach's restaurants, entertainment, shopping, and attractions. Panama Joe's isn't simply an investment property--it's an opportunity to own a piece of the Florida Coastal Lifestyle while benefiting from an established vacation rental business. Gulf views in the front. A coastal dune lake in the backyard. The beach across the street. And income potential in between. That's Panama Joe's. ## Location - **Address:** 21504 Front Beach Road #11, Panama City Beach, FL 32413 - **County:** Bay - **Neighborhood:** Riviera Beach Villas - **Coordinates:** 30.252386, -85.95235 - **Google Maps:** https://www.google.com/maps?q=30.252386,-85.95235 ## Listing Agent - **Name:** Christopher C Jennings · **License:** 3287657 - **Brokerage:** Pelican Real Estate - **Broker Phone:** (850) 896-1225 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/21504-Front-Beach-Rd-Unit-11_Panama-City-Beach_FL_32413_M62113-62026?f=listhub&s=BCARFL&m=795020&c=propsimple) ## Photos ![21504 Front Beach Road #11 - Photo 1](http://lh.rdcpix.com/82191aa1aaf6a21d150770844f8ae77el-f4162860660r.jpg) ![21504 Front Beach Road #11 - Photo 2](http://lh.rdcpix.com/82191aa1aaf6a21d150770844f8ae77el-f4267283660r.jpg) ![21504 Front Beach Road #11 - Photo 3](http://lh.rdcpix.com/82191aa1aaf6a21d150770844f8ae77el-f245526206r.jpg) ![21504 Front Beach Road #11 - Photo 4](http://lh.rdcpix.com/82191aa1aaf6a21d150770844f8ae77el-f3966358162r.jpg) ![21504 Front Beach Road #11 - Photo 5](http://lh.rdcpix.com/82191aa1aaf6a21d150770844f8ae77el-f1298906496r.jpg) ![21504 Front Beach Road #11 - Photo 6](http://lh.rdcpix.com/82191aa1aaf6a21d150770844f8ae77el-f839275646r.jpg) ![21504 Front Beach Road #11 - Photo 7](http://lh.rdcpix.com/82191aa1aaf6a21d150770844f8ae77el-f829500096r.jpg) ![21504 Front Beach Road #11 - Photo 8](http://lh.rdcpix.com/82191aa1aaf6a21d150770844f8ae77el-f3630458580r.jpg) ![21504 Front Beach Road #11 - Photo 9](http://lh.rdcpix.com/82191aa1aaf6a21d150770844f8ae77el-f3833010737r.jpg) ![21504 Front Beach Road #11 - Photo 10](http://lh.rdcpix.com/82191aa1aaf6a21d150770844f8ae77el-f2348704519r.jpg) ![21504 Front Beach Road #11 - Photo 11](http://lh.rdcpix.com/82191aa1aaf6a21d150770844f8ae77el-f2472544425r.jpg) ![21504 Front Beach Road #11 - Photo 12](http://lh.rdcpix.com/82191aa1aaf6a21d150770844f8ae77el-f3833688110r.jpg) ![21504 Front Beach Road #11 - Photo 13](http://lh.rdcpix.com/82191aa1aaf6a21d150770844f8ae77el-f664230631r.jpg) ![21504 Front Beach Road #11 - Photo 14](http://lh.rdcpix.com/82191aa1aaf6a21d150770844f8ae77el-f2588977239r.jpg) ![21504 Front Beach Road #11 - Photo 15](http://lh.rdcpix.com/82191aa1aaf6a21d150770844f8ae77el-f379101509r.jpg) ![21504 Front Beach Road #11 - Photo 16](http://lh.rdcpix.com/82191aa1aaf6a21d150770844f8ae77el-f47108364r.jpg) ![21504 Front Beach Road #11 - Photo 17](http://lh.rdcpix.com/82191aa1aaf6a21d150770844f8ae77el-f525138223r.jpg) ![21504 Front Beach Road #11 - Photo 18](http://lh.rdcpix.com/82191aa1aaf6a21d150770844f8ae77el-f3295691662r.jpg) ![21504 Front Beach Road #11 - Photo 19](http://lh.rdcpix.com/82191aa1aaf6a21d150770844f8ae77el-f2070458218r.jpg) ![21504 Front Beach Road #11 - Photo 20](http://lh.rdcpix.com/82191aa1aaf6a21d150770844f8ae77el-f981758245r.jpg) ![21504 Front Beach Road #11 - Photo 21](http://lh.rdcpix.com/82191aa1aaf6a21d150770844f8ae77el-f4144988976r.jpg) ![21504 Front Beach Road #11 - Photo 22](http://lh.rdcpix.com/82191aa1aaf6a21d150770844f8ae77el-f162144826r.jpg) ![21504 Front Beach Road #11 - Photo 23](http://lh.rdcpix.com/82191aa1aaf6a21d150770844f8ae77el-f735041845r.jpg) ![21504 Front Beach Road #11 - Photo 24](http://lh.rdcpix.com/82191aa1aaf6a21d150770844f8ae77el-f1134824089r.jpg) ![21504 Front Beach Road #11 - Photo 25](http://lh.rdcpix.com/82191aa1aaf6a21d150770844f8ae77el-f371838899r.jpg) ![21504 Front Beach Road #11 - Photo 26](http://lh.rdcpix.com/82191aa1aaf6a21d150770844f8ae77el-f3388235551r.jpg) ![21504 Front Beach Road #11 - Photo 27](http://lh.rdcpix.com/82191aa1aaf6a21d150770844f8ae77el-f3596469573r.jpg) ![21504 Front Beach Road #11 - Photo 28](http://lh.rdcpix.com/82191aa1aaf6a21d150770844f8ae77el-f3778536279r.jpg) ![21504 Front Beach Road #11 - Photo 29](http://lh.rdcpix.com/82191aa1aaf6a21d150770844f8ae77el-f2103623363r.jpg) ![21504 Front Beach Road #11 - Photo 30](http://lh.rdcpix.com/82191aa1aaf6a21d150770844f8ae77el-f3302855138r.jpg) ![21504 Front Beach Road #11 - Photo 31](http://lh.rdcpix.com/82191aa1aaf6a21d150770844f8ae77el-f2670189335r.jpg) ![21504 Front Beach Road #11 - Photo 32](http://lh.rdcpix.com/82191aa1aaf6a21d150770844f8ae77el-f3723931166r.jpg) ![21504 Front Beach Road #11 - Photo 33](http://lh.rdcpix.com/82191aa1aaf6a21d150770844f8ae77el-f2284990838r.jpg) ![21504 Front Beach Road #11 - Photo 34](http://lh.rdcpix.com/82191aa1aaf6a21d150770844f8ae77el-f759435706r.jpg) ![21504 Front Beach Road #11 - Photo 35](http://lh.rdcpix.com/82191aa1aaf6a21d150770844f8ae77el-f130528272r.jpg) ![21504 Front Beach Road #11 - Photo 36](http://lh.rdcpix.com/82191aa1aaf6a21d150770844f8ae77el-f1402118623r.jpg) ![21504 Front Beach Road #11 - Photo 37](http://lh.rdcpix.com/82191aa1aaf6a21d150770844f8ae77el-f1865187183r.jpg) ![21504 Front Beach Road #11 - Photo 38](http://lh.rdcpix.com/82191aa1aaf6a21d150770844f8ae77el-f1594758338r.jpg) ![21504 Front Beach Road #11 - Photo 39](http://lh.rdcpix.com/82191aa1aaf6a21d150770844f8ae77el-f3291615428r.jpg) ![21504 Front Beach Road #11 - Photo 40](http://lh.rdcpix.com/82191aa1aaf6a21d150770844f8ae77el-f2465969328r.jpg) ![21504 Front Beach Road #11 - Photo 41](http://lh.rdcpix.com/82191aa1aaf6a21d150770844f8ae77el-f2669656755r.jpg) ![21504 Front Beach Road #11 - Photo 42](http://lh.rdcpix.com/82191aa1aaf6a21d150770844f8ae77el-f2002459053r.jpg) ![21504 Front Beach Road #11 - Photo 43](http://lh.rdcpix.com/82191aa1aaf6a21d150770844f8ae77el-f979292766r.jpg) ![21504 Front Beach Road #11 - Photo 44](http://lh.rdcpix.com/82191aa1aaf6a21d150770844f8ae77el-f3384079082r.jpg) ![21504 Front Beach Road #11 - Photo 45](http://lh.rdcpix.com/82191aa1aaf6a21d150770844f8ae77el-f4140967968r.jpg) ![21504 Front Beach Road #11 - Photo 46](http://lh.rdcpix.com/82191aa1aaf6a21d150770844f8ae77el-f1064419272r.jpg) ![21504 Front Beach Road #11 - Photo 47](http://lh.rdcpix.com/82191aa1aaf6a21d150770844f8ae77el-f3857695288r.jpg) ![21504 Front Beach Road #11 - Photo 48](http://lh.rdcpix.com/82191aa1aaf6a21d150770844f8ae77el-f1385893970r.jpg) --- **MLS#:** 795020 | **Updated:** 2026-10-24 **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://staging.propertysimple.ai/listing/21504-front-beach-road-panama-city-beach-fl-32413-6215df0ed6f84fc5ab7243e3d6f59824) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://staging.propertysimple.ai/listing/21504-front-beach-road-panama-city-beach-fl-32413-6215df0ed6f84fc5ab7243e3d6f59824#listing", "url": "https://staging.propertysimple.ai/listing/21504-front-beach-road-panama-city-beach-fl-32413-6215df0ed6f84fc5ab7243e3d6f59824", "name": "21504 Front Beach Road #11, Panama City Beach, FL 32413", "description": "Welcome to Panama Joe's--where the Florida Coastal Lifestyle meets exceptional vacation rental potential! This 4-bedroom, 3-bathroom vacation rental home is ideally positioned on the highly desirable West End of Panama City Beach, directly across the street from the Gulf. With Gulf views, a coastal dune lake in the backyard, and a proven history as a high-performing vacation rental, Panama Joe's offers an exceptional combination of lifestyle and investment opportunity. Just steps from the beach, guests can easily spend their days enjoying the sugar-white sand and emerald waters of the Gulf of Mexico, then return home to relax and take in the coastal surroundings. The Gulf views add an extra layer of appeal, while the coastal dune lake directly behind the property creates a truly unique backyard setting that is hard to replicate. Inside, the spacious 4-bedroom, 3-bath layout provides comfortable accommodations for families and groups, making this an ideal vacation home for generating rental income while still offering a place for the owners to enjoy themselves. 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