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12011 Front Beach Road , 103B

Panama City Beach, FL 32407
  • $450,000
  • STATUS: Active
  • ON SITE: 245 Days
  • MLS #: 976787
UPDATED: 14 min ago
$450,000
  • 2
    BEDS
  • N/A
    ACRES
  • 2
    BATHS
  • 0
    1/2 BATHS
  • 1,076
    SQFT
  • $418
    $/SQFT
Neighborhood:
Type:
Condo
Built:
2005
County:
Bay
Area:

School Information

Elementary School:
Middle School:
High School:

Description

Step into a rare Gulf-front opportunity at Sterling Reef, where the first living level (fourth floor from the ground) delivers something; no other floor can-expansive, oversized balconies that simply don't come available often. Unit 103B is all about outdoor living, with unobstructed Gulf views and a massive private balcony designed for long mornings, sunset gatherings, and true beachfront entertaining. Inside, the open layout features tile flooring throughout, a functional kitchen with granite countertops, breakfast bar, and a tiled island, offering a solid foundation for a buyer who wants to personalize and update the space to match their vision. Both bedrooms are generously sized and filled with natural light, making this an ideal canvas for creating a custom coastal retreat.... or a refreshed, high-performing rental. Whether you're an investor looking to add value through updates or a beach lover who wants to design a space that reflects your own style, this condo offers a rare blend of lifestyle appeal and renovation potential in one of the most desirable positions in the building. Sterling Reef completes the experience with resort-style amenities including a heated pool with waterfall, fitness center, game room, and direct beach access all just minutes from the dining, shopping, and entertainment that define this stretch of the Emerald Coast. With a motivated seller and a recent price improvement, this is a standout chance to secure a Gulf-front unit where the true value lies in its location, balcony size, and long-term potential. Opportunities like this, especially on this level, are few and far between.

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© 2026 Emerald Coast Association of Realtors MLS. All rights reserved. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but is not guaranteed accurate by the MLS or The Sowal Group | Real Broker, LLC. Vendor Member number: 28178. Data last updated: 2026-01-21T13:00:46.767.
Vendor Member #28178.
www.emeraldcoastproperties.com/homes/164023141
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12011 Front Beach Road , 103B Panama City Beach, FL 32407

  • Price: $450,000
  • Status: Active
  • On Site: 245 Days
  • Updated: 14 min ago
  • MLS #: 976787
2
Beds
2
Baths
0
½ Baths
N/A
Acres
1,076
SQFT
$418
$/SQFT
2005
Built
Neighborhood:
Sterling Reef
County:
Bay
Area:
Bay County
Elementary School:
Breakfast Point
Middle School:
Surfside
High School:
Arnold
Property Description
Step into a rare Gulf-front opportunity at Sterling Reef, where the first living level (fourth floor from the ground) delivers something; no other floor can-expansive, oversized balconies that simply don't come available often. Unit 103B is all about outdoor living, with unobstructed Gulf views and a massive private balcony designed for long mornings, sunset gatherings, and true beachfront entertaining. Inside, the open layout features tile flooring throughout, a functional kitchen with granite countertops, breakfast bar, and a tiled island, offering a solid foundation for a buyer who wants to personalize and update the space to match their vision. Both bedrooms are generously sized and filled with natural light, making this an ideal canvas for creating a custom coastal retreat.... or a refreshed, high-performing rental. Whether you're an investor looking to add value through updates or a beach lover who wants to design a space that reflects your own style, this condo offers a rare blend of lifestyle appeal and renovation potential in one of the most desirable positions in the building. Sterling Reef completes the experience with resort-style amenities including a heated pool with waterfall, fitness center, game room, and direct beach access all just minutes from the dining, shopping, and entertainment that define this stretch of the Emerald Coast. With a motivated seller and a recent price improvement, this is a standout chance to secure a Gulf-front unit where the true value lies in its location, balcony size, and long-term potential. Opportunities like this, especially on this level, are few and far between.
Exterior Features

Architectural Style N/A Attached Garage YN Yes Carport YN No Construction Materials Concrete Exterior Features Balcony Lot Features [] Parking Features Garage Pool YN Yes Road Frontage Type [] Road Surface Type [] View Gulf Waterfront Features Gulf

Interior Features

Appliances DishwasherDisposalDryerMicrowaveRefrigeratorSmoke DetectorStove/Oven ElectricWasher Cooling Ceiling FansCentral Air Cooling YN Yes First Floor Bedroom Yes Heating Central Heating YN Yes Interior Features Breakfast BarKitchen IslandLighting RecessedSplit BedroomWasher/Dryer HookupWoodwork Painted Primary Bedroom First Floor Yes Rooms Total 6

Property Features

Association Fee Frequency Monthly Association Fee Includes Ground KeepingInsuranceInternet ServiceManagementMaster AssociationRecreational FacltySewerWaterCable TVTrash Association Fee2 977 Association YN Yes Buyer Financing Conventional Community Features BBQ Pit/GrillBeachCommunity RoomElevatorsExercise RoomPets AllowedPoolTV CableWaterfront Green Energy Efficient [] New Construction YN No Number Of Units In Community 126 Pool Type Community Property Condition Construction Complete Property Sub Type Condominium Short Term Rental Allowed Yes Special Listing Conditions [] Tax Amount 5465.08 Tax Year 2024 Utilities ElectricPhonePublic WaterTV Cable

Listing courtesy of Keller Williams Realty SRB: 850-654-2900.


© 2026 Emerald Coast Association of Realtors MLS. All rights reserved. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but is not guaranteed accurate by the MLS or The Sowal Group | Real Broker, LLC. Vendor Member number: 28178. Data last updated: 2026-01-21T13:00:46.767.
Vendor Member #28178.
 
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