12011 Front Beach Road 1902B, Panama City Beach, FL 32407 (MLS# 789284)

12011 Front Beach Road 1902B, Panama City Beach, FL 32407

$439,900

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

Current Price: $439,900 List Date: 5/02/2026 Last Modified: 7/24/2026

Overview

Description

Experience coastal living at its finest in this stunning 19th floor penthouse Gulf-front condo at Sterling Reef Condominiums. This beautifully updated two-bedroom, two-bath residence offers breathtaking views of the turquoise and emerald-green waters of the Gulf, perfectly complemented by sugar-white sands stretching for miles. Designed for both comfort and style, this turnkey-rental ready condo comfortably sleeps up to six guests and features fresh updates throughout–including new paint completed within the last week, along with a new couch, chair, and rug that bring a bright, modern feel to the space. The open living area flows seamlessly onto a spacious Gulf-front balcony, where you can relax, dine, or simply take in the unforgettable sunsets. The primary suite is a true retreat, complete with a private en-suite bath and its own direct balcony access–perfect for enjoying your morning coffee with the sound of the waves. The second bedroom and full bath provide ample space and … (Read more) Experience coastal living at its finest in this stunning 19th floor penthouse Gulf-front condo at Sterling Reef Condominiums. This beautifully updated two-bedroom, two-bath residence offers breathtaking views of the turquoise and emerald-green waters of the Gulf, perfectly complemented by sugar-white sands stretching for miles. Designed for both comfort and style, this turnkey-rental ready condo comfortably sleeps up to six guests and features fresh updates throughout–including new paint completed within the last week, along with a new couch, chair, and rug that bring a bright, modern feel to the space. The open living area flows seamlessly onto a spacious Gulf-front balcony, where you can relax, dine, or simply take in the unforgettable sunsets. The primary suite is a true retreat, complete with a private en-suite bath and its own direct balcony access–perfect for enjoying your morning coffee with the sound of the waves. The second bedroom and full bath provide ample space and privacy for guests or family. Sterling Reef offers exceptional amenities, including a beachfront pool, fitness center, outdoor grilling stations, and picnic areas–everything you need for the perfect beachside lifestyle. The location is unbeatable: situated directly next to M.B. Miller County Pier, you’ll have front-row seats to incredible views and fishing opportunities. You’re also across the street from Shipwreck Island Waterpark and just minutes from shopping, dining, and entertainment at Pier Park. Even better, enjoy spectacular Independence Day fireworks right from your own balcony–no crowds required. This condo is a proven rental with great rental history. Even better, reservations are already secured for 2026, offering immediate, turnkey income for the next owner. Whether you’re looking for a personal getaway, investment property, or vacation rental, this penthouse truly has it all–luxury, location, and lifestyle you simply can’t beat. All measurements and items if importance are to be confirmed by buyer or buyer agent.

Listing Details MLS# 789284

Contract Info

List Price/SqFt: 408.83

Location

Area: 03 – Bay County – Beach
Street #: 12011
Street Name: Front Beach
Street Suffix: Road
Unit #: 1902B
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: 34809-610-121
Elementary School: Hutchison Beach
Middle School: Surfside
High School: Arnold
Directions: From PCB Parkway and Hwy 79, go east 2.5 miles and turn right on Alf Coleman Rd. Go to Front Beach Road. Sterling Reef is on the beach just left of the traffic light on left side of public pier.
Legal Description: STERLING REEF UNIT 1902 TYPE B ORB 2597 P 716 ''ARUBA'' 2BD/2BTH ORB 3180 P 2216 1076 SQ.FT.=H&C . 184 SQ.FT.=BALC

General Property Info

Sub-Type: Condominium
Floor Number: 19
Design: High-Rise (8+ floors)
Apx SqFt(Htd/Cooled): 1076
SqFt Source: Prop App Site
Full Baths: 2
Total Baths: 2
Accessory Dwelling Unit: No
Year Built: 2005
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: 2
Lot Dimensions: 0x0
Pool: Yes
Pool Type: Community

Listing Info, Tax and Legal

HOA Fee: Yes
HOA Amount: 980
HOA Frequency: Monthly
HOA Annual Amount: 11760
New Buyer Fee: No
Brokerage Interest: No Interest
Condo Doc: Yes

Remarks & Misc

Remarks: Experience coastal living at its finest in this stunning 19th floor penthouse Gulf-front condo at Sterling Reef Condominiums. This beautifully updated two-bedroom, two-bath residence offers breathtaking views of the turquoise and emerald-green waters of the Gulf, perfectly complemented by sugar-white sands stretching for miles. Designed for both comfort and style, this turnkey-rental ready condo comfortably sleeps up to six guests and features fresh updates throughout–including new paint completed within the last week, along with a new couch, chair, and rug that bring a bright, modern feel to the space. The open living area flows seamlessly onto a spacious Gulf-front balcony, where you can relax, dine, or simply take in the unforgettable sunsets. The primary suite is a true retreat, complete with a private en-suite bath and its own direct balcony access–perfect for enjoying your morning coffee with the sound of the waves. The second bedroom and full bath provide ample space and privacy for guests or family. Sterling Reef offers exceptional amenities, including a beachfront pool, fitness center, outdoor grilling stations, and picnic areas–everything you need for the perfect beachside lifestyle. The location is unbeatable: situated directly next to M.B. Miller County Pier, you'll have front-row seats to incredible views and fishing opportunities. You're also across the street from Shipwreck Island Waterpark and just minutes from shopping, dining, and entertainment at Pier Park. Even better, enjoy spectacular Independence Day fireworks right from your own balcony–no crowds required. This condo is a proven rental with great rental history. Even better, reservations are already secured for 2026, offering immediate, turnkey income for the next owner. Whether you're looking for a personal getaway, investment property, or vacation rental, this penthouse truly has it all–luxury, location, and lifestyle you simply can't beat. All measurements and items if importance are to be confirmed by buyer or buyer agent.

Appliances

Cooktop – Electric: Yes
Dishwasher: Yes
Ice Maker: Yes
Microwave: Yes
Oven – Convection: Yes
Washer/Dryer Stacked: Yes

More Information

Interior Features

Breakfast Bar: Yes
Floor – Tile: Yes
Kitchen Island: Yes
Lock Out Closet: Yes

Construction/Siding

Concrete: Yes

Exterior

Balcony: Yes

Waterfront Feature

Shore – Beach: Yes

Association Fees Include

Accounting: Yes
BBQ Pit/Grill: Yes
Beach: Yes
Internet-WiFi: Yes
Master Association: Yes
Pest Control: Yes
Picnic Area: Yes
Pool: Yes
Recreational Faclty: Yes
Security: Yes
Telephone: Yes
Trash Disposal: Yes
TV Cable: Yes
Water: Yes

Financing

Cash: Yes
Conventional: Yes
FHA: Yes
VA: Yes

Furnished

Furnished: Yes

Living Room

First: Yes

Lot Access

City Street: Yes

Parking Features

Parking Garage: Yes

Association Amenities

BBQ Pit/Grill: Yes
Beach: Yes
Picnic Area: Yes
Pool: Yes
Security-24 hour: Yes
Whirlpool: Yes

Rooms

Living Room: Yes
Primary Bedroom: Yes

Showing

ShowingTime: Yes

Utilities

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

Waterview

Gulf: Yes

Sale Type

As Is: Yes

Waterfront Type

Gulf: Yes

Primary Bedroom

First: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes

Heating

Central: Yes
Electric: Yes

Primary Bdrm/Primary Bath

MBed Balcony: Yes
MBed Waterfront: Yes

Property Features

Appliances: Cooktop – Electric; Dishwasher; Ice Maker; Microwave; Oven – Convection; Washer/Dryer Stacked Primary Bedroom: First Cooling: Ceiling Fan(s); Central Air Heating: Central; Electric Exterior: Balcony Association Fees Include: Accounting; BBQ Pit/Grill; Beach; TV Cable; Internet-WiFi; Master Association; Pest Control; Picnic Area; Pool; Recreational Faclty; Security; Telephone; Trash Disposal; Water Financing: Cash; Conventional; FHA; VA Furnished: Furnished Living Room: First Lot Access: City Street Parking Features: Parking Garage Association Amenities: BBQ Pit/Grill; Beach; Picnic Area; Pool; Security-24 hour; Whirlpool Rooms: Living Room; Primary Bedroom Sale Type: As Is Showing: ShowingTime Utilities: Public Sewer – Connected; Public Water – Connected Waterfront Type: Gulf Waterfront Feature: Shore – Beach Waterview: Gulf

Room Information

Room Name	Level	Dimensions	Length	Width
Living Room	First	23 x 14	23.00	14.00
Primary Bedroom	First	15 x 11	15.00	11.00

Listing Office: Beach Haven Realty

Last Updated: July – 24 – 2026

Information deemed reliable but not guaranteed.