10611 Front Beach Road 901, Panama City Beach, FL 32407 (MLS# 783146)

10611 Front Beach Road 901, Panama City Beach, FL 32407

$899,000

Property Type: Residential Bedrooms: 4 Baths: 4 Square Footage: 1,637 Status: Active

Current Price: $899,000 List Date: 1/03/2026 Last Modified: 4/20/2026

Overview

Description

Finding a true four-bedroom, four-bathroom condo on the Gulf is a rarity in Panama City Beach, Florida. This exceptional Ocean Ritz unit is designed for versatility, offering the perfect layout for a high-performing investment, a dedicated family retreat, or a spacious primary home. The interior decoration is expertly curated, resulting in a ''right out of a magazine'' aesthetic. While this property has been enjoyed primarily as a private residence and only lightly rented, the data is clear that similar four-bedroom units in this building have a proven track record of generating over $100,000 in annual rental income. The property has been thoughtfully updated to ensure a turn-key experience with zero deferred maintenance. Recent improvements include new flooring throughout all bedrooms and main living areas in December 2025, complete renovation of all bathroom showers and tubs in 2023 with a lifetime warranty from Re-Bath, a water heater replacement and a full interior repaint in 20 … (Read more) Finding a true four-bedroom, four-bathroom condo on the Gulf is a rarity in Panama City Beach, Florida. This exceptional Ocean Ritz unit is designed for versatility, offering the perfect layout for a high-performing investment, a dedicated family retreat, or a spacious primary home. The interior decoration is expertly curated, resulting in a ”right out of a magazine” aesthetic. While this property has been enjoyed primarily as a private residence and only lightly rented, the data is clear that similar four-bedroom units in this building have a proven track record of generating over $100,000 in annual rental income. The property has been thoughtfully updated to ensure a turn-key experience with zero deferred maintenance. Recent improvements include new flooring throughout all bedrooms and main living areas in December 2025, complete renovation of all bathroom showers and tubs in 2023 with a lifetime warranty from Re-Bath, a water heater replacement and a full interior repaint in 2020. In 2024, the HVAC system was replaced and upgraded, including an ultraviolet light air purification system to ensure superior air quality. The overall modern feel of this unit includes smart-home features like a Ring doorbell and Ecobee thermostat sensors. This smart thermostat provides a care free indoor-outdoor living experience by adjusting the air conditioning when a balcony door is open. What truly sets Ocean Ritz apart is its low-density design and lifestyle. With only 63 total units in the community you and your guests will enjoy a more relaxed, luxurious experience without the crowds and busy elevators that are typical of most condominiums. The stunning beach views from the outdoor living space are unparalleled, featuring a massive corner balcony providing near panoramic views. The balcony is just shy of 500 square feet—one of the largest in the area— and spans the full width of the living room and two gulf front bedroom suites, with direct access from each of those three rooms. Owners and guests enjoy a boutique experience with many amenities, including a fitness center, grill area, sauna, steam room, and a relaxing hot tub. The unique indoor/outdoor pool is heated seasonally and provides the perfect year-round environment for both sun-seekers and those who prefer the shade. With a private beach walkover, a reserved parking space, and a separate overflow parking area, this rare gem offers a level of comfort and exclusivity that is increasingly difficult to find, while still convenient to all of the fun that Panama City Beach has to offer. Virtual tour available upon request.

Listing Details MLS# 783146

Contract Info

List Price/SqFt: 549.18

Location

Area: 03 – Bay County – Beach
Street #: 10611
Street Name: Front Beach
Street Suffix: Road
Unit #: 901
State: FL
Zip Code: 32407
County: Bay
Sub Area: 0318 – Beach – Central South
Subdivision: Ocean Ritz
Community/Resort: None
Waterfront: Yes
Gulf Access: Yes
Parcel ID: 40000-250-019
Elementary School: Hutchison Beach
Middle School: Surfside
High School: Arnold
Directions: At the intersection of Front Beach Road and W Thomas Drive, heading east Ocean Ritz is on the right side, Park in the open parking lot in space 901 on the right side, walk up the ramp to deck P2 and take the elevator to floor 9, condo is the last condo on the east side of the building.
Legal Description: OCEAN RITZ CONDO UNIT 901 TYPE A ORB 2855 P 936 4BD/4BR ORB 4411 P 334 1637 SQ.FT.H&C . 493 SQ.FT.BALC

General Property Info

Sub-Type: Condominium
Floor Number: 9
Design: High-Rise (8+ floors)
Apx SqFt(Htd/Cooled): 1637
SqFt Source: Prop App Site
Balcony SqFt: 495
Full Baths: 4
Total Baths: 4
# of Stories in Building: 21
# of Units in Bldg: 63
Year Built: 2006
Immediate Occupancy: Yes
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: Yes
Assigned Spaces: Yes
Lot Dimensions: 0x0
Pool: Yes
Pool Type: Community
Association Fee/Month: 1075
Half Baths: 0

Listing Info, Tax and Legal

Homestead: No
HOA Fee: Yes
HOA Amount: 1075
HOA Frequency: Monthly
HOA Annual Amount: 12900
Senior Community: No
Is Subject Leased: No
New Buyer Fee: Yes
New Buyer Fee Amt: 150
New Buyer Fee Paid: $
Last Taxes: 8620.35
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: Yes
Condo Doc: Yes

Remarks & Misc

Remarks: Finding a true four-bedroom, four-bathroom condo on the Gulf is a rarity in Panama City Beach, Florida. This exceptional Ocean Ritz unit is designed for versatility, offering the perfect layout for a high-performing investment, a dedicated family retreat, or a spacious primary home. The interior decoration is expertly curated, resulting in a ''right out of a magazine'' aesthetic. While this property has been enjoyed primarily as a private residence and only lightly rented, the data is clear that similar four-bedroom units in this building have a proven track record of generating over $100,000 in annual rental income. The property has been thoughtfully updated to ensure a turn-key experience with zero deferred maintenance. Recent improvements include new flooring throughout all bedrooms and main living areas in December 2025, complete renovation of all bathroom showers and tubs in 2023 with a lifetime warranty from Re-Bath, a water heater replacement and a full interior repaint in 2020. In 2024, the HVAC system was replaced and upgraded, including an ultraviolet light air purification system to ensure superior air quality. The overall modern feel of this unit includes smart-home features like a Ring doorbell and Ecobee thermostat sensors. This smart thermostat provides a care free indoor-outdoor living experience by adjusting the air conditioning when a balcony door is open. What truly sets Ocean Ritz apart is its low-density design and lifestyle. With only 63 total units in the community you and your guests will enjoy a more relaxed, luxurious experience without the crowds and busy elevators that are typical of most condominiums. The stunning beach views from the outdoor living space are unparalleled, featuring a massive corner balcony providing near panoramic views. The balcony is just shy of 500 square feet—one of the largest in the area— and spans the full width of the living room and two gulf front bedroom suites, with direct access from each of those three rooms. Owners and guests enjoy a boutique experience with many amenities, including a fitness center, grill area, sauna, steam room, and a relaxing hot tub. The unique indoor/outdoor pool is heated seasonally and provides the perfect year-round environment for both sun-seekers and those who prefer the shade. With a private beach walkover, a reserved parking space, and a separate overflow parking area, this rare gem offers a level of comfort and exclusivity that is increasingly difficult to find, while still convenient to all of the fun that Panama City Beach has to offer. Virtual tour available upon request.

Pool Features

Heated – Electric: Yes
Inground: Yes
Indoor: Yes
Spa/ Hot Tub: Yes

More Information

Appliances

Dishwasher: Yes
Freezer: Yes
Microwave: Yes
Oven – Electric: Yes
Range – Electric: Yes
Refrigerator: Yes
Washer/Dryer Stacked: Yes

Interior Features

Ceiling – Raised: Yes
Floor – Tile: Yes
Floor – Vinyl Plank: Yes
Kitchen Island: Yes
Lighting – Recessed: Yes
Lock Out Closet: Yes
Split Bedroom: Yes
Window – Treatment All: Yes

Construction/Siding

Concrete: Yes
Siding – Stucco: Yes

Exterior

Balcony: Yes
Columns: Yes
Sprinkler System: Yes

Waterfront Feature

Shore – Beach: Yes

Association Fees Include

Accounting: Yes
BBQ Pit/Grill: Yes
Exercise Room: Yes
Ground Keeping: Yes
Internet Service: Yes
Management: Yes
Picnic Area: Yes
Pool: Yes
Sauna/Steam Room: Yes
Security: Yes
TV Cable: Yes
Water: Yes
Whirlpool: Yes

Financing

Cash: Yes
Conventional: Yes

Furnished

Furnished: Yes

Interior

Ceiling – Tray: Yes

Lot Features

Dedicated Beach: Yes
Near Beach Access: Yes
Near Public Boat Ramp: Yes
Waterfront: Yes
Within 1/2 Mile to Water: Yes

Lot Access

City Street: Yes
State Highway: Yes

Parking Features

Additional Parking: Yes
Assigned: Yes
Garage Attached: Yes
Other – See Remarks: Yes

Mstr Bath / Mstr Bdrm

MBath Double Vanity: Yes
MBath Shower Only: Yes
MBed Waterfront: Yes

Present Zoning

Resid Single Family: Yes
Resort: Yes

Association Amenities

BBQ Pit/Grill: Yes
Beach: Yes
Boardwalk: Yes
Dumpster: Yes
Elevators: Yes
Exercise Room: Yes
Picnic Area: Yes
Pool: Yes
Security-24 hour: Yes
Waterfront: Yes
Whirlpool: Yes

Rooms

Bedroom: Yes
Master Bedroom: Yes

Utilities

Electricity – Connected: Yes
Public Sewer – Connected: Yes
Public Water – Connected: Yes
Underground Utilities: Yes

Waterview

Gulf: Yes

Waterfront Type

Gulf: Yes

Cooling

Air Purification System – Ionizer: Yes
Ceiling Fan(s): Yes
Central Air: Yes
Electric: Yes

Heating

Central: Yes
Electric: Yes

Security Features

Closed Circuit Camera(s): Yes
Fire Alarm: Yes
Fire Sprinkler System: Yes
Key Card Entry: Yes
Smoke Detector(s): Yes

Property Features

Appliances: Dishwasher; Freezer; Microwave; Oven – Electric; Range – Electric; Refrigerator; Washer/Dryer Stacked Cooling: Air Purification System – Ionizer; Ceiling Fan(s); Central Air; Electric Heating: Central; Electric Exterior: Balcony; Columns; Sprinkler System Association Fees Include: Accounting; BBQ Pit/Grill; TV Cable; Exercise Room; Internet Service; Ground Keeping; Management; Picnic Area; Pool; Sauna/Steam Room; Security; Whirlpool; Water Financing: Cash; Conventional Furnished: Furnished Interior: Ceiling – Tray Lot Features: Dedicated Beach; Near Beach Access; Near Public Boat Ramp; Waterfront; Within 1/2 Mile to Water Lot Access: City Street; State Highway Pool Features: Heated – Electric; Inground; Indoor; Spa/ Hot Tub Security Features: Closed Circuit Camera(s); Fire Alarm; Fire Sprinkler System; Key Card Entry; Smoke Detector(s) Parking Features: Additional Parking; Assigned; Garage Attached; Other – See Remarks Association Amenities: BBQ Pit/Grill; Beach; Boardwalk; Dumpster; Elevators; Exercise Room; Picnic Area; Pool; Security-24 hour; Whirlpool; Waterfront Rooms: Bedroom; Master Bedroom Utilities: Electricity – Connected; Public Sewer – Connected; Public Water – Connected; Underground Utilities Waterfront Type: Gulf Waterfront Feature: Shore – Beach Waterview: Gulf Present Zoning: Resid Single Family; Resort

Room Information

Room Name	Dimensions	Length	Width
Bedroom	13 x 14	13.00	14.00
Bedroom	13 x 12	13.00	12.00
Bedroom	12 x 13	12.00	13.00
Master Bedroom	13 x 14	13.00	14.00

Listing Office: Beachy Beach Real Estate

Last Updated: April – 20 – 2026

Information deemed reliable but not guaranteed.