13643 Front Beach Road, Panama City Beach, FL 32413 (MLS# 772029)

13643 Front Beach Road, Panama City Beach, FL 32413

$3,500,000

Virtual Tour

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Property Type: Residential Bedrooms: 6 Baths: 7 Square Footage: 3,990 Lot Size (sq. ft.): 39,204 Status: Active

Current Price: $3,500,000 List Date: 11/17/2025 Last Modified: 12/30/2025

Overview

Description

**SELLER FINANCING AVAILABLE** **PRIVATE ELEVATOR** This Gulf-front retreat in Margaritaville Beach Cottage Resort blends laid-back luxury with modern comfort, offering the ultimate escape in Panama City Beach. Built in 2023 and sold fully furnished, this Oasis floor plan spans 3,990 square feet across three levels – all with unobstructed views of the emerald Gulf waters. Professionally designed with decor that captures the breezy, carefree vibe of the Margaritaville lifestyle, the home features luxury vinyl plank flooring throughout and a thoughtful layout tailored for both relaxed getaways and high-performing rentals. From morning coffee to sunset cocktails, enjoy panoramic Gulf views from your private balconies on every level. The first floor features a spacious recreation room with a foosball table, wet bar, full-sized refrigerator, and ice maker – perfect for entertaining after a day in the sun. Step outside to your private 8×17 beachfront pool and take the private dune walkover s … (Read more) **SELLER FINANCING AVAILABLE** **PRIVATE ELEVATOR** This Gulf-front retreat in Margaritaville Beach Cottage Resort blends laid-back luxury with modern comfort, offering the ultimate escape in Panama City Beach. Built in 2023 and sold fully furnished, this Oasis floor plan spans 3,990 square feet across three levels – all with unobstructed views of the emerald Gulf waters. Professionally designed with decor that captures the breezy, carefree vibe of the Margaritaville lifestyle, the home features luxury vinyl plank flooring throughout and a thoughtful layout tailored for both relaxed getaways and high-performing rentals. From morning coffee to sunset cocktails, enjoy panoramic Gulf views from your private balconies on every level. The first floor features a spacious recreation room with a foosball table, wet bar, full-sized refrigerator, and ice maker – perfect for entertaining after a day in the sun. Step outside to your private 8×17 beachfront pool and take the private dune walkover straight to the sand. With 6 bedrooms, a bunk area, and 6.5 bathrooms, this home comfortably accommodates large families and rental guests alike. The private elevator makes each level easily accessible. On the second floor, an open-concept great room takes full advantage of the water views, with a living area, dining space, and a chef’s kitchen featuring Frigidaire Professional appliances, a 36” gas range, quartz countertops, and maple cabinetry. Two guest suites with private baths, a powder room, and a full laundry area round out this level. Upstairs, the Gulf-facing primary suite offers a true retreat with expansive views down the coast, a walk-in closet, balcony access, and a spa-inspired ensuite with double vanities and a walk-in shower. Two more guest bedrooms with private baths and a cozy bunk nook complete the third floor. Additional features include a two-car covered carport plus parking for three more vehicles – rare for Gulf-front homes. As part of the Margaritaville Beach Cottage Resort, you and your guests have access to top-tier amenities: a resort-style pool with a 425-foot lazy river and H2O Adventure waterslides, pickleball court, indoor arcade, game lawn, hammock grove, and poolside movie nights. On-site dining options include The Salty Rim Bar & Grill, Fins Restaurant & Bar, and Joe Merchant’s Coffee & Provisions – perfect for everything from poolside snacks to sunset dinners. Whether you’re looking for a luxurious vacation home or a high-performing rental property, this is a rare opportunity to own in one of the most exciting beachfront resorts on the Emerald Coast. Call today to schedule your private tour and explore rental income potential, projections, and how to make this island-inspired dream a reality.

Listing Details MLS# 772029

Contract Info

List Price/SqFt: 877.19

Location

Area: 03 – Bay County – Beach
Street #: 13643
Street Name: Front Beach
Street Suffix: Road
State: FL
Zip Code: 32413
County: Bay
Sub Area: 0318 – Beach – Central South
Subdivision: Margaritaville Cottages
Community/Resort: None
Waterfront: Yes
Gulf Access: Yes
Parcel ID: 34764-100-100
Elementary School: Hutchison Beach
Middle School: Surfside
High School: Arnold
Directions: Margaritaville is located about 2 miles east of Pier Park directly on Front Beach Road. 10th house down on the beach side.
Legal Description: PANAMA CITY BEACH RESORT LOT 10 MARGARITAVILLE COTTAGES PH 1 ORB 4709 P 553

General Property Info

Sub-Type: Detached Single Family
Design: Beach House
Apx SqFt(Htd/Cooled): 3990
SqFt Source: Prop App Site
Full Baths: 6
Half Baths: Yes
Total Baths: 7
Year Built: 2023
Construction Status: Construction Complete
New Construction: No
Garage Y/N: No
Lot Dimensions: 40X206
Acreage: 0.9
Lot Size (SqFt): 39204
Pool: Yes
Pool Type: Private

Listing Info, Tax and Legal

HOA Fee: Yes
HOA Amount: 1775
HOA Frequency: Quarterly
HOA Annual Amount: 7100
New Buyer Fee: Yes
New Buyer Fee Amt: 5000
Last Taxes: 31489
Last Tax Year: 2024
Brokerage Interest: No Interest

Remarks & Misc

Remarks: **SELLER FINANCING AVAILABLE** **PRIVATE ELEVATOR** This Gulf-front retreat in Margaritaville Beach Cottage Resort blends laid-back luxury with modern comfort, offering the ultimate escape in Panama City Beach. Built in 2023 and sold fully furnished, this Oasis floor plan spans 3,990 square feet across three levels – all with unobstructed views of the emerald Gulf waters. Professionally designed with decor that captures the breezy, carefree vibe of the Margaritaville lifestyle, the home features luxury vinyl plank flooring throughout and a thoughtful layout tailored for both relaxed getaways and high-performing rentals. From morning coffee to sunset cocktails, enjoy panoramic Gulf views from your private balconies on every level. The first floor features a spacious recreation room with a foosball table, wet bar, full-sized refrigerator, and ice maker – perfect for entertaining after a day in the sun. Step outside to your private 8×17 beachfront pool and take the private dune walkover straight to the sand. With 6 bedrooms, a bunk area, and 6.5 bathrooms, this home comfortably accommodates large families and rental guests alike. The private elevator makes each level easily accessible. On the second floor, an open-concept great room takes full advantage of the water views, with a living area, dining space, and a chef's kitchen featuring Frigidaire Professional appliances, a 36'' gas range, quartz countertops, and maple cabinetry. Two guest suites with private baths, a powder room, and a full laundry area round out this level. Upstairs, the Gulf-facing primary suite offers a true retreat with expansive views down the coast, a walk-in closet, balcony access, and a spa-inspired ensuite with double vanities and a walk-in shower. Two more guest bedrooms with private baths and a cozy bunk nook complete the third floor. Additional features include a two-car covered carport plus parking for three more vehicles – rare for Gulf-front homes. As part of the Margaritaville Beach Cottage Resort, you and your guests have access to top-tier amenities: a resort-style pool with a 425-foot lazy river and H2O Adventure waterslides, pickleball court, indoor arcade, game lawn, hammock grove, and poolside movie nights. On-site dining options include The Salty Rim Bar & Grill, Fins Restaurant & Bar, and Joe Merchant's Coffee & Provisions – perfect for everything from poolside snacks to sunset dinners. Whether you're looking for a luxurious vacation home or a high-performing rental property, this is a rare opportunity to own in one of the most exciting beachfront resorts on the Emerald Coast. Call today to schedule your private tour and explore rental income potential, projections, and how to make this island-inspired dream a reality.

Dining Room

Second: Yes

More Information

Great Room

Second: Yes

Pool Features

Heated – Gas: Yes
Inground: Yes

Recreation Room

First: Yes

Appliances

Bar Fridge: Yes
Dishwasher: Yes
Disposal: Yes
Microwave: Yes
Oven – Electric: Yes
Range – Electric: Yes
Refrigerator: Yes
Water Heater – Tankless: Yes

Interior Features

Elevator: Yes
Floor – Vinyl Plank: Yes
Kitchen Island: Yes
Lighting – Recessed: Yes
Pantry: Yes

Construction/Siding

Foundation – On Piling: Yes
Roof – Metal: Yes
Siding – Hardie Board: Yes

Exterior

Balcony: Yes
Built-in Barbecue/Grill: Yes
Deck Covered: Yes
Deck Open: Yes
Double Pane Windows: Yes
Shower: Yes
Porch Covered: Yes
Sprinkler System: Yes
Storm Windows: Yes

Association Fees Include

Ground Keeping: Yes
Internet Service: Yes
Master Association: Yes
Pool: Yes
Trash Disposal: Yes
TV Cable: Yes
Water: Yes

Financing

Cash: Yes
Conventional: Yes
Seller Financing: Yes

Furnished

Furnished: Yes

Kitchen

Second: Yes

Lot Features

Waterfront: Yes

Parking Features

Carport Attached: Yes

Mstr Bath / Mstr Bdrm

MBath Double Vanity: Yes
MBath Shower Only: Yes
MBed Balcony: Yes
MBed Waterfront: Yes

Association Amenities

Pool: Yes
Water Park: Yes

Rooms

Bedroom: Yes
Dining Room: Yes
Great Room: Yes
Kitchen: Yes
Master Bedroom: Yes
Recreation Room: Yes

Showing

ShowingTime: Yes

Utilities

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

Waterview

Gulf: Yes

Waterfront Type

Gulf: Yes

Master Bedroom

Third: Yes

Bedroom

First: Yes
Second: Yes
Third: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes
Electric: Yes
ENERGY STAR Qualified Equipment: Yes

Heating

Electric: Yes

Security Features

Fire Sprinkler System: Yes

Property Features

Appliances: Bar Fridge; Dishwasher; Disposal; Microwave; Oven – Electric; Range – Electric; Refrigerator; Water Heater – Tankless Master Bedroom: Third Bedroom: First; Second; Third Cooling: Ceiling Fan(s); Central Air; Electric; ENERGY STAR Qualified Equipment Heating: Electric Exterior: Balcony; Built-in Barbecue/Grill; Deck Covered; Deck Open; Double Pane Windows; Shower; Porch Covered; Sprinkler System; Storm Windows Association Fees Include: TV Cable; Internet Service; Ground Keeping; Master Association; Pool; Trash Disposal; Water Financing: Cash; Conventional; Seller Financing Furnished: Furnished Kitchen: Second Lot Features: Waterfront Dining Room: Second Great Room: Second Pool Features: Heated – Gas; Inground Recreation Room: First Security Features: Fire Sprinkler System Parking Features: Carport Attached Association Amenities: Pool; Water Park Rooms: Bedroom; Dining Room; Great Room; Kitchen; Master Bedroom; Recreation Room Showing: ShowingTime Utilities: Electricity – Connected; Natural Gas – Connected; Public Sewer – Connected; Public Water – Connected Waterfront Type: Gulf Waterview: Gulf

Room Information

Room Name	Level	Dimensions	Length	Width
Bedroom	First	11.25 x 12.5	11.25	12.50
Bedroom	Second	12 x 12	12.00	12.00
Bedroom	Second	12 x 12	12.00	12.00
Master Bedroom	Third	14 x 15	14.00	15.00
Bedroom	Third	14 x 15	14.00	15.00
Bedroom	Third	12 x 12	12.00	12.00
Recreation Room	First	25 x 15	25.00	15.00
Great Room	Second	26 x 15	26.00	15.00
Dining Room	Second	11 x 12	11.00	12.00
Kitchen	Second	11 x 13	11.00	13.00

Listing Office: Berkshire Hathaway HomeServices Beach Properties of Florida

Last Updated: December – 30 – 2025

Information deemed reliable but not guaranteed.