12011 Front Beach Road 1004B, Panama City Beach, FL 32407 (MLS# 784981)

12011 Front Beach Road 1004B, Panama City Beach, FL 32407

$440,000

Property Type: Residential Bedrooms: 2 Baths: 2 Square Footage: 1,076 Status: Active

Current Price: $440,000 List Date: 2/10/2026 Last Modified: 7/14/2026

Overview

Description

Enjoy stunning Gulf-front living with a true Gulf-front primary bedroom and gorgeous views from the living room, dining area, and kitchen. This charming condo is perfectly positioned on an ideal floor height to fully capture sweeping views of the Emerald Coast’s sugar-white sands and emerald-green waters. Sterling Reef offers a prime Panama City Beach location just steps from Shipwreck Island Water Park and within walking distance to the fishing pier. The resort features outstanding amenities including a bi-level Gulf-front pool (heated seasonally), a fitness center overlooking the pool and beach, a terrace grilling area, an Owner’s Lounge with flat-screen TV, and convenient covered parking located directly beneath the building. Whether you’re searching for a personal beach getaway or a strong rental investment, this super cute condo is a must-see. Call today to make it yours!

Listing Details MLS# 784981

Contract Info

List Price/SqFt: 408.92

Location

Area: 03 – Bay County – Beach
Street #: 12011
Street Name: Front Beach
Street Suffix: Road
Unit #: 1004B
State: FL
Zip Code: 32407
County: Bay
Sub Area: 0318 – Beach – Central South
Subdivision: Sterling Reef
Community/Resort: None
Waterfront: Yes
Gulf Access: Yes
Parcel ID: 34809-610-067
Elementary School: Hutchison Beach
Middle School: Surfside
High School: Arnold
Directions: Go East from Pier Park and next to County Pier.
Legal Description: STERLING REEF UNIT 1004 TYPE B ORB 2578 P 120 ORB 3798 P 672 ''ARUBA'' 2BD/2BTH . 1076 SQ.FT.=H&C . 184 SQ.FT.=BALC

General Property Info

Sub-Type: Condominium
Floor Number: 14
Design: High-Rise (8+ floors)
Apx SqFt(Htd/Cooled): 1076
SqFt Source: Prop App Site
Full Baths: 2
Total Baths: 2
Year Built: 2005
Construction Status: Construction Complete
New Construction: No
Garage Y/N: No
Lot Dimensions: Gulf Front Condo
Pool: Yes
Pool Type: Community

Listing Info, Tax and Legal

HOA Fee: Yes
HOA Amount: 977
HOA Frequency: Monthly
HOA Annual Amount: 11724
New Buyer Fee: No
Last Taxes: 5454
Last Tax Year: 2025
Brokerage Interest: No Interest
Condo Doc: Yes

Remarks & Misc

Remarks: Enjoy stunning Gulf-front living with a true Gulf-front primary bedroom and gorgeous views from the living room, dining area, and kitchen. This charming condo is perfectly positioned on an ideal floor height to fully capture sweeping views of the Emerald Coast's sugar-white sands and emerald-green waters. Sterling Reef offers a prime Panama City Beach location just steps from Shipwreck Island Water Park and within walking distance to the fishing pier. The resort features outstanding amenities including a bi-level Gulf-front pool (heated seasonally), a fitness center overlooking the pool and beach, a terrace grilling area, an Owner's Lounge with flat-screen TV, and convenient covered parking located directly beneath the building. Whether you're searching for a personal beach getaway or a strong rental investment, this super cute condo is a must-see. Call today to make it yours!

Pool Features

Heated – Electric: Yes
Inground: Yes

More Information

Appliances

Dishwasher: Yes
Disposal: Yes
Microwave: Yes
Oven – Electric: Yes
Washer/Dryer Stacked: Yes

Interior Features

Breakfast Bar: Yes
Split Bedroom: Yes
Window – Treatment All: Yes

Exterior

Balcony: Yes

Association Fees Include

BBQ Pit/Grill: Yes
Beach: Yes
Community Room: Yes
Dumpster: Yes
Exercise Room: Yes
Insurance: Yes
Internet-WiFi: Yes
Master Association: Yes
Pest Control: Yes
Pool: Yes
Sewer: Yes
Trash Disposal: Yes
TV Cable: Yes
Water: Yes
Whirlpool: Yes

Financing

Cash: Yes
Conventional: Yes

Furnished

Furnished: Yes

Living Room

First: Yes

Lot Features

Waterfront: Yes

Lot Access

Paved Road: Yes

Parking Features

Garage Attached: Yes
Paved: Yes

Present Zoning

Resort: Yes

Association Amenities

BBQ Pit/Grill: Yes
Beach: Yes
Community Room: Yes
Elevators: Yes
Exercise Room: Yes
Pool: Yes
Waterfront: Yes

Rooms

Bedroom: Yes
Living Room: Yes
Primary Bedroom: Yes

Utilities

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

Waterview

Gulf: Yes

Sale Type

As Is: Yes

Waterfront Type

Gulf: Yes

Primary Bedroom

First: Yes

Bedroom

First: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes

Heating

Central: Yes
Electric: Yes

Primary Bdrm/Primary Bath

MBath Double Vanity: Yes
MBath Separate Shwr: Yes
MBed Balcony: Yes
MBed Waterfront: Yes

Security Features

Fire Alarm: Yes
Fire Sprinkler System: Yes

Property Features

Appliances: Dishwasher; Disposal; Microwave; Oven – Electric; Washer/Dryer Stacked Primary Bedroom: First Bedroom: First Cooling: Ceiling Fan(s); Central Air Heating: Central; Electric Exterior: Balcony Association Fees Include: BBQ Pit/Grill; Beach; TV Cable; Community Room; Dumpster; Exercise Room; Insurance; Internet-WiFi; Master Association; Pest Control; Pool; Sewer; Whirlpool; Trash Disposal; Water Financing: Cash; Conventional Furnished: Furnished Living Room: First Lot Features: Waterfront Lot Access: Paved Road Pool Features: Heated – Electric; Inground Security Features: Fire Alarm; Fire Sprinkler System Parking Features: Garage Attached; Paved Association Amenities: BBQ Pit/Grill; Beach; Community Room; Elevators; Exercise Room; Pool; Waterfront Rooms: Bedroom; Living Room; Primary Bedroom Sale Type: As Is Utilities: Electricity – Connected; Public Sewer – Connected; Public Water – Connected Waterfront Type: Gulf Waterview: Gulf Present Zoning: Resort

Room Information

Room Name	Level	Dimensions	Length	Width
Bedroom	First	10 x 10	10.00	10.00
Primary Bedroom	First	17 x 11	17.00	11.00
Living Room	First	18 x 15	18.00	15.00

Listing Office: Keller Williams Success Realty

Last Updated: July – 14 – 2026

Information deemed reliable but not guaranteed.