12011 Front Beach Road 804B, Panama City Beach, FL 32407 (MLS# 791263)

12011 Front Beach Road 804B, Panama City Beach, FL 32407

$449,000

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

Current Price: $449,000 List Date: 6/16/2026 Last Modified: 7/16/2026

Overview

Description

Set directly on the beach at Sterling Reef, this well-maintained Gulf-front condo combines panoramic views, a highly desirable floor plan with an enclosed bunk room, and a location that puts some of Panama City Beach's most popular attractions just minutes away. Positioned on the 8th floor, the elevation delivers something that's harder to find than you might expect — open ocean sound without the noise of the beach crowd below. It's a meaningful difference in the daily experience of the unit. Designed for both personal enjoyment and vacation rental appeal, the floor plan includes two bedrooms, an enclosed bunk room, and two full baths, providing the flexibility to comfortably accommodate family and guests while maximizing sleeping capacity. From the kitchen and living area to the primary suite and private balcony, the Gulf remains the focal point throughout the condo. Floor-to-ceiling sliding glass doors maximize natural light while keeping the emerald waters front and center, creat … (Read more) Set directly on the beach at Sterling Reef, this well-maintained Gulf-front condo combines panoramic views, a highly desirable floor plan with an enclosed bunk room, and a location that puts some of Panama City Beach’s most popular attractions just minutes away. Positioned on the 8th floor, the elevation delivers something that’s harder to find than you might expect — open ocean sound without the noise of the beach crowd below. It’s a meaningful difference in the daily experience of the unit. Designed for both personal enjoyment and vacation rental appeal, the floor plan includes two bedrooms, an enclosed bunk room, and two full baths, providing the flexibility to comfortably accommodate family and guests while maximizing sleeping capacity. From the kitchen and living area to the primary suite and private balcony, the Gulf remains the focal point throughout the condo. Floor-to-ceiling sliding glass doors maximize natural light while keeping the emerald waters front and center, creating a seamless connection between the interior living spaces and the beach beyond. The coastal-inspired interior has been meticulously maintained and thoughtfully updated — new furniture, paint, and fixtures were added in 2021, new carpet in 2023, and new deck furniture in 2025 — giving the unit a fresh, move-in-ready feel. Tile flooring throughout the main living areas makes upkeep easy after busy beach days. The spacious kitchen offers granite countertops, stainless steel appliances, and a breakfast bar that creates a natural gathering space for family and guests. Nine-foot ceilings enhance the sense of openness, while the gulf-front primary suite serves as a private retreat with direct balcony access and stunning water views. Sterling Reef continues to be a favorite among vacationers thanks to its beachfront setting, relaxed atmosphere, and extensive amenity package. Owners and guests enjoy direct beach access, a seasonally heated bi-level pool and spa, fitness center, activity center, sky terrace with grilling area, covered parking, and 24-hour security. Adding to the appeal is Sterling Reef’s central Panama City Beach location. Shipwreck Island Waterpark sits directly across the street, making it a popular destination for families, while Pier Park, Frank Brown Park, golf courses, restaurants, shopping, entertainment, and local attractions are all just minutes away. Whether you’re searching for a beachfront vacation home, a short-term rental investment property, or a combination of both, this gulf-front condo offers the views, layout, amenities, and location that continue to make Panama City Beach one of the area’s most sought-after destinations. See it for yourself — schedule a private showing.

Listing Details MLS# 791263

Contract Info

List Price/SqFt: 417.29

Location

Area: 03 – Bay County – Beach
Street #: 12011
Street Name: Front Beach
Street Suffix: Road
Unit #: 804B
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: 34809-610-053
Elementary School: Hutchison Beach
Middle School: Surfside
High School: Arnold
Directions: Sterling Reef is gulf-front directly east of the M.B. Miller County Pier.
Legal Description: STERLING REEF UNIT 804 TYPE B ORB 2578 P 120 ''ARUBA'' 2BD/2BTH ORB 4495 P 581 1076 SQ.FT.=H&C . 184 SQ.FT.=BALC

General Property Info

Sub-Type: Condominium
Floor Number: 8
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: Condo
Pool: Yes
Pool Type: Community

Listing Info, Tax and Legal

HOA Fee: Yes
HOA Amount: 970
HOA Frequency: Monthly
HOA Annual Amount: 11640
New Buyer Fee: No
Last Tax Year: 2025
Brokerage Interest: No Interest
Condo Doc: Yes

Remarks & Misc

Remarks: Set directly on the beach at Sterling Reef, this well-maintained Gulf-front condo combines panoramic views, a highly desirable floor plan with an enclosed bunk room, and a location that puts some of Panama City Beach's most popular attractions just minutes away. Positioned on the 8th floor, the elevation delivers something that's harder to find than you might expect — open ocean sound without the noise of the beach crowd below. It's a meaningful difference in the daily experience of the unit. Designed for both personal enjoyment and vacation rental appeal, the floor plan includes two bedrooms, an enclosed bunk room, and two full baths, providing the flexibility to comfortably accommodate family and guests while maximizing sleeping capacity. From the kitchen and living area to the primary suite and private balcony, the Gulf remains the focal point throughout the condo. Floor-to-ceiling sliding glass doors maximize natural light while keeping the emerald waters front and center, creating a seamless connection between the interior living spaces and the beach beyond. The coastal-inspired interior has been meticulously maintained and thoughtfully updated — new furniture, paint, and fixtures were added in 2021, new carpet in 2023, and new deck furniture in 2025 — giving the unit a fresh, move-in-ready feel. Tile flooring throughout the main living areas makes upkeep easy after busy beach days. The spacious kitchen offers granite countertops, stainless steel appliances, and a breakfast bar that creates a natural gathering space for family and guests. Nine-foot ceilings enhance the sense of openness, while the gulf-front primary suite serves as a private retreat with direct balcony access and stunning water views. Sterling Reef continues to be a favorite among vacationers thanks to its beachfront setting, relaxed atmosphere, and extensive amenity package. Owners and guests enjoy direct beach access, a seasonally heated bi-level pool and spa, fitness center, activity center, sky terrace with grilling area, covered parking, and 24-hour security. Adding to the appeal is Sterling Reef's central Panama City Beach location. Shipwreck Island Waterpark sits directly across the street, making it a popular destination for families, while Pier Park, Frank Brown Park, golf courses, restaurants, shopping, entertainment, and local attractions are all just minutes away. Whether you're searching for a beachfront vacation home, a short-term rental investment property, or a combination of both, this gulf-front condo offers the views, layout, amenities, and location that continue to make Panama City Beach one of the area's most sought-after destinations. See it for yourself — schedule a private showing.

Appliances

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

More Information

Construction/Siding

Concrete: Yes

Exterior

Balcony: Yes

Association Fees Include

Internet-WiFi: Yes
Master Association: Yes
Trash Disposal: Yes
TV Cable: Yes
Water: Yes

Furnished

Furnished: Yes

Lot Features

Waterfront: Yes

Association Amenities

BBQ Pit/Grill: Yes
Community Room: Yes
Pool: Yes
Waterfront: Yes
Other – See Remarks: Yes

Rooms

Bedroom: Yes
Primary Bedroom: Yes

Showing

ShowingTime: Yes

Utilities

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

Waterview

Gulf: Yes

Waterfront Type

Gulf: Yes

Primary Bedroom

First: Yes

Bedroom

First: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes

Heating

Electric: Yes

Primary Bdrm/Primary Bath

MBed Walk-in Closet: Yes

Primary Bath/Primary Bdrm

MBath Shower/Tub Combo: Yes

Property Features

Appliances: Dishwasher; Disposal; Microwave; Oven – Electric; Range – Electric; Washer/Dryer Stacked Primary Bedroom: First Bedroom: First Cooling: Ceiling Fan(s); Central Air Heating: Electric Exterior: Balcony Association Fees Include: TV Cable; Internet-WiFi; Master Association; Trash Disposal; Water Furnished: Furnished Lot Features: Waterfront Association Amenities: BBQ Pit/Grill; Community Room; Pool; Waterfront; Other – See Remarks Rooms: Bedroom; Primary Bedroom Showing: ShowingTime Utilities: Public Sewer – Connected; Public Water – Connected Waterfront Type: Gulf Waterview: Gulf

Room Information

Room Name	Level	Dimensions	Length	Width
Primary Bedroom	First	11 x 10	11.00	10.00
Bedroom	First	10 x 10	10.00	10.00

Listing Office: Berkshire Hathaway HomeServices Beach Properties of Florida

Last Updated: July – 16 – 2026

Information deemed reliable but not guaranteed.