13020 Front Beach Road 103, Panama City Beach, FL 32407 (MLS# 789817)

13020 Front Beach Road 103, Panama City Beach, FL 32407

$315,000

103-SOMERSET-RICKCOOPERPHOTO-20210712-0K

Property Type: Residential Bedrooms: 2 Baths: 1 Square Footage: 1,025 Status: Pending

Current Price: $315,000 List Date: 5/13/2026 Last Modified: 6/07/2026

Overview

Description

One of the LOWEST HOA'S on the beach! The HOA fees are currently only $350 a month and paid quarterly. This pays for trash, water, pest control, building insurance and outside maintenance. Spring/Summer 2026 already pre-booked. PET FRIENDLY COMPLEX! Somerset is a unique 16 unit low rise condo community directly across the street from the beach. No high-rise condo traffic or wait for the elevators. Location is perfect with 2 public beach entrances just steps away in between million dollar beach homes. Once you leave the parking area you are less than 100 yards from the beach. PRIVATE COVERED PARKING for 2-3 cars. The covered parking is a BIG deal because you have a designated area large enough for 2-3 cars. Your vehicle is out of the sun during the hot summer months as well as the rain. Walking distance to coffee, restaurants, bars, ice cream parlors and MORE!! Convenient location in the middle of PCB, drive just minutes to Pier Park or the marinas as well as other local att … (Read more)

Listing Details MLS# 789817

Contract Info

List Price/SqFt: 307.32

Location

Area: 03 – Bay County – Beach
Street #: 13020
Street Name: Front Beach
Street Suffix: Road
Unit #: 103
State: FL
Zip Code: 32407
County: Bay
Sub Area: 0320 – Beach – Middle Central
Subdivision: Somerset Condo
Community/Resort: None
Waterfront: No
Parcel ID: 34417-030-000
Elementary School: Hutchison Beach
Middle School: Surfside
High School: Arnold
Directions: From Highway 98( Back Beach Road) turn South on Clara Ave and go till it dead ends into Front Beach Road. Turn right(West) and go a couple of blocks and Somerset Condos are on the corner of Front Beach Road and Fernwood.
Legal Description: SOMERSET CONDO UNIT 103 2BR 1B 1025 H&C ORB 1910 P 1253 . ORB 4431 P 2163

General Property Info

Sub-Type: Condominium
Floor Number: Yes
Design: Low-Rise (1-3 floors)
Apx SqFt(Htd/Cooled): 1025
SqFt Source: Prop App Site
Balcony SqFt: 91
Full Baths: Yes
Total Baths: Yes
# of Stories in Building: 2
# of Units in Bldg: 16
Year Built: 2000
Immediate Occupancy: Yes
Construction Status: Construction Complete
New Construction: No
Garage Y/N: No
Covered Spaces: 2
Driveway Spaces: 2
Assigned Spaces: 2
Lot Dimensions: 0x0
Pool: No

Status Change Info

Under Contract Date: 2026-05-17

Listing Info, Tax and Legal

HOA Fee: Yes
HOA Amount: 350
HOA Frequency: Monthly
HOA Annual Amount: 4200
New Buyer Fee: No
Last Taxes: 3685
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: Yes
Condo Doc: Yes

Remarks & Misc

Remarks: One of the LOWEST HOA'S on the beach! The HOA fees are currently only $350 a month and paid quarterly. This pays for trash, water, pest control, building insurance and outside maintenance. Spring/Summer 2026 already pre-booked. PET FRIENDLY COMPLEX! Somerset is a unique 16 unit low rise condo community directly across the street from the beach. No high-rise condo traffic or wait for the elevators. Location is perfect with 2 public beach entrances just steps away in between million dollar beach homes. Once you leave the parking area you are less than 100 yards from the beach. PRIVATE COVERED PARKING for 2-3 cars. The covered parking is a BIG deal because you have a designated area large enough for 2-3 cars. Your vehicle is out of the sun during the hot summer months as well as the rain. Walking distance to coffee, restaurants, bars, ice cream parlors and MORE!! Convenient location in the middle of PCB, drive just minutes to Pier Park or the marinas as well as other local attractions. Sold with high end LUXURY furnishings included! Fully stocked kitchen, appliances and renovations. Renovations include luxury plank flooring throughout. New paint, brand new quartz kitchen countertops, white painted cabinetry and stainless steel appliances. A LARGE bathroom that could be converted to two bathrooms in the future. The bathroom was recently renovated with shiplap, tub with handles and custom antique vanity/sink. Living room sofa set is high quality mid-century modern brown leather. All beds feature new comfort mattresses, luxury sheets and bedding. Enjoy a large spacious balcony that faces a residential area. Condo has 3 double beds and allows 6 guest. Also, entire complex is pet friendly for any size pet, a huge booking perk with extra income. DON'T MISS THIS OPPORTUNITY TO HAVE A TURNKEY READY PROPERTY ALREADY PRE-BOOKED AT CLOSING FOR SPRING AND SUMMER 2026.

More Information

Balcony

First: Yes

Dining Room

First: Yes

Appliances

Cooktop – Electric: Yes
Dishwasher: Yes
Disposal: Yes
Dryer: Yes
Ice Maker: Yes
Microwave: Yes
Range – Electric: Yes
Range Hood: Yes
Refrigerator: Yes
Washer: Yes
Water Heater – Electric: Yes

Construction/Siding

Foundation – Stilts: Yes
Roof – Metal: Yes
Siding – Vinyl: Yes

Exterior

Balcony: Yes

Association Fees Include

Ground Keeping: Yes
Insurance: Yes
Pest Control: Yes
Trash Disposal: Yes
Water: Yes

Financing

Cash: Yes
Conventional: Yes

Furnished

Furnished: Yes

Kitchen

First: Yes

Living Room

First: Yes

Parking Features

Assigned: Yes

Present Zoning

Resid Multi-Family: Yes

Rooms

Balcony: Yes
Bedroom: Yes
Dining Room: Yes
Kitchen: Yes
Living Room: Yes
Master Bedroom: Yes

Utilities

Electricity – Connected: Yes
Internet – Broadband Available: Yes
Public Sewer – Connected: Yes

Sale Type

As Is: Yes

Master Bedroom

First: Yes

Bedroom

First: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes

Heating

Central: Yes

Security Features

Closed Circuit Camera(s): Yes
Smoke Detector(s): Yes

Property Features

Appliances: Cooktop – Electric; Dishwasher; Disposal; Dryer; Ice Maker; Microwave; Range – Electric; Range Hood; Refrigerator; Washer; Water Heater – Electric Master Bedroom: First Bedroom: First Cooling: Ceiling Fan(s); Central Air Heating: Central Exterior: Balcony Association Fees Include: Insurance; Ground Keeping; Pest Control; Trash Disposal; Water Financing: Cash; Conventional Furnished: Furnished Kitchen: First Living Room: First Balcony: First Dining Room: First Security Features: Closed Circuit Camera(s); Smoke Detector(s) Parking Features: Assigned Rooms: Balcony; Bedroom; Dining Room; Kitchen; Living Room; Master Bedroom Sale Type: As Is Utilities: Electricity – Connected; Internet – Broadband Available; Public Sewer – Connected Present Zoning: Resid Multi-Family

Room Information

Room Name	Level	Dimensions	Length	Width
Master Bedroom	First	14 x 10.6	14.00	10.60
Bedroom	First	14 x 10.6	14.00	10.60
Kitchen	First	9 x 9	9.00	9.00
Dining Room	First	9.6 x 9	9.60	9.00
Living Room	First	12 x 12	12.00	12.00
Balcony	First	13 x 7	13.00	7.00

Listing Office: Lifes A Beach Real Estate, LLC

Last Updated: June – 07 – 2026

Information deemed reliable but not guaranteed.