12011 Front Beach Road 405B, Panama City Beach, FL 32407 (MLS# 777834)

12011 Front Beach Road 405B, Panama City Beach, FL 32407

$449,900

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

Current Price: $449,900 List Date: 3/26/2026 Last Modified: 6/29/2026

Overview

Description

*Shown by Appointment* WOW! Sterling Reef is one of the most sought-after Gulf front communities on the beach! Low density means no waiting for an elevator and always a seat on the pool deck! This 2 bed/2 bath unit is being sold fully furnished and includes washer and dryer! New tile throughout! The main bedroom has its own private bath and glass slider providing over-sized patio access and an amazing view of the water from bed! Sterling Reef amenities include a fitness center with water view and two Gulf front pools for you to enjoy! There is also a grill area with outdoor seating. Plenty of ground floor Garage parking! Sterling Reef is located next to the County Pier, which makes it perfect for fishing, and across from Shipwreck Water Park! Walk to dining and entertainment! *All measurements/info to be confirmed by buyer/representative.

Listing Details MLS# 777834

Contract Info

List Price/SqFt: 418.12

Location

Area: 03 – Bay County – Beach
Street #: 12011
Street Name: Front Beach
Street Suffix: Road
Unit #: 405B
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: 34809-610-026
Elementary School: Hutchison Beach
Middle School: Surfside
High School: Arnold
Directions: Located on Front Beach Rd across from Shipwreck Island Water Park Parking
Legal Description: STERLING REEF UNIT 405 TYPE B ORB 3944 P 2072 ''ARUBA'' 2BD/2BTH ORB 3944 P 2072 1076 SQ.FT.=H&C . 184 SQ.FT.=BALC

General Property Info

Sub-Type: Condominium
Floor Number: 4
Design: High-Rise (8+ floors)
Apx SqFt(Htd/Cooled): 1076
SqFt Source: Prop App Site
Full Baths: 2
Total Baths: 2
Year Built: 2005
Immediate Occupancy: Yes
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: 2
Lot Dimensions: 0X0
Pool: Yes
Pool Type: Community
Association Fee/Month: 977

Listing Info, Tax and Legal

Homestead: No
HOA Fee: Yes
HOA Amount: 977
HOA Frequency: Monthly
HOA Annual Amount: 11724
Is Subject Leased: Yes
New Buyer Fee: Yes
New Buyer Fee Amt: 200
New Buyer Fee Paid: $
Last Taxes: 5465
Last Tax Year: 2024
Brokerage Interest: No Interest
As Is: Yes
Condo Doc: Yes

Remarks & Misc

Remarks: *Shown by Appointment* WOW! Sterling Reef is one of the most sought-after Gulf front communities on the beach! Low density means no waiting for an elevator and always a seat on the pool deck! This 2 bed/2 bath unit is being sold fully furnished and includes washer and dryer! New tile throughout! The main bedroom has its own private bath and glass slider providing over-sized patio access and an amazing view of the water from bed! Sterling Reef amenities include a fitness center with water view and two Gulf front pools for you to enjoy! There is also a grill area with outdoor seating. Plenty of ground floor Garage parking! Sterling Reef is located next to the County Pier, which makes it perfect for fishing, and across from Shipwreck Water Park! Walk to dining and entertainment! *All measurements/info to be confirmed by buyer/representative.

Pool Features

Fenced: Yes
Inground: Yes

More Information

Appliances

Cooktop – Electric: Yes
Dishwasher: Yes
Disposal: Yes
Dryer: Yes
Microwave: Yes
Oven – Electric: Yes
Refrigerator: Yes
Washer: Yes
Water Heater – Electric: Yes

Interior Features

Breakfast Bar: Yes
Floor – Tile: Yes
Kitchen Island: Yes
Lock Out Closet: Yes
Split Bedroom: Yes
Handicap Provisions: Yes

Construction/Siding

Concrete: Yes
Foundation – On Piling: Yes
Siding – Stucco: Yes

Existing Leases

Daily/Weekly: Yes

Waterfront Feature

Shore – Beach: Yes

Association Fees Include

Advertising: Yes
BBQ Pit/Grill: Yes
Beach: Yes
Community Room: Yes
Exercise Room: Yes
Ground Keeping: Yes
Insurance: Yes
Management: Yes
Pest Control: Yes
Picnic Area: Yes
Pool: Yes
Repairs/Maintenance: Yes
Security: Yes
Sewer: Yes
Trash Disposal: Yes
Water: Yes

Financing

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

Furnished

Furnished: Yes

Interior

Insulated Doors: Yes

Lot Features

Coastal Construction Control Line: Yes
Covenants & Rescrictions: Yes
Waterfront: Yes

Lot Access

City Street: Yes

Parking Features

Garage Attached: Yes

Present Zoning

Resid Multi-Family: Yes

Association Amenities

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

Rooms

Bedroom: Yes
Primary Bedroom: Yes

Utilities

Electricity – Connected: Yes

Waterview

Gulf: Yes

Accessibility Features

Accessible Bedroom: Yes
Accessible Central Living Area: Yes
Accessible Doors: 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
Electric: Yes

Heating

Central: Yes
Electric: Yes

Primary Bdrm/Primary Bath

MBed Balcony: Yes
MBed Walk-in Closet: Yes
MBed Waterfront: Yes

Primary Bath/Primary Bdrm

MBath Shower/Tub Combo: Yes

Security Features

Building Security: Yes
Fire Sprinkler System: Yes
Firewall(s): Yes
Smoke Detector(s): Yes

Property Features

Accessibility Features: Accessible Bedroom; Accessible Central Living Area; Accessible Doors Appliances: Cooktop – Electric; Dishwasher; Disposal; Dryer; Microwave; Oven – Electric; Refrigerator; Washer; Water Heater – Electric Primary Bedroom: First Bedroom: First Cooling: Ceiling Fan(s); Central Air; Electric Heating: Central; Electric Existing Leases: Daily/Weekly Association Fees Include: Advertising; BBQ Pit/Grill; Beach; Community Room; Exercise Room; Insurance; Ground Keeping; Repairs/Maintenance; Management; Pest Control; Picnic Area; Pool; Security; Sewer; Trash Disposal; Water Financing: Cash; Conventional; FHA; VA Furnished: Furnished Interior: Insulated Doors Lot Features: Coastal Construction Control Line; Covenants & Rescrictions; Waterfront Lot Access: City Street Pool Features: Fenced; Inground Security Features: Building Security; Fire Sprinkler System; Firewall(s); Smoke Detector(s) Parking Features: Garage Attached Association Amenities: BBQ Pit/Grill; Beach; Community Room; Elevators; Exercise Room; Picnic Area; Pool; Security-24 hour; Waterfront Rooms: Bedroom; Primary Bedroom Sale Type: As Is Utilities: Electricity – Connected Waterfront Type: Gulf Waterfront Feature: Shore – Beach Waterview: Gulf Present Zoning: Resid Multi-Family

Room Information

Room Name	Level	Dimensions	Length	Width
Primary Bedroom	First	14 x 12	14.00	12.00
Bedroom	First	10 x 10	10.00	10.00

Listing Office: Keller Williams Success Realty

Last Updated: June – 29 – 2026

Information deemed reliable but not guaranteed.