14401 Front Beach Road 403, Panama City Beach, FL 32413 (MLS# 785495)

14401 Front Beach Road 403, Panama City Beach, FL 32413

$135,000

Property Type: Residential Baths: 1 Square Footage: 330 Status: Active

Current Price: $135,000 List Date: 2/19/2026 Last Modified: 6/15/2026

Overview

Description

Gross rental income: $27,000 in 2025, self-managed Owner financing available: 20% down, 5-year balloon, 30 year amortization, 6% Interest Milestone inspection passed; all building work complete HOA covers electricity, water, sewer, cable, Wi-Fi, and trash This 4th-floor west-facing unit at the iconic Fontainebleau Terrace produced $27,000 in gross rental income in 2025 — self-managed, with no property management fees eating into returns. With owner financing available at 20% down on a 5-year balloon, investors can enter at a lower capital outlay and immediately put the property's income to work. For buyers seeking beachfront exposure with a proven revenue track record and reduced barrier to entry, the numbers here are difficult to match. Location is a primary driver of the rental demand. The unit sits less than a mile from Pier Park — the area's main shopping, dining, and entertainment hub — and a short drive from 30A, St. Andrews State Park, and downtown Panama City. … (Read more) Gross rental income: $27,000 in 2025, self-managed Owner financing available: 20% down, 5-year balloon, 30 year amortization, 6% Interest Milestone inspection passed; all building work complete HOA covers electricity, water, sewer, cable, Wi-Fi, and trash This 4th-floor west-facing unit at the iconic Fontainebleau Terrace produced $27,000 in gross rental income in 2025 — self-managed, with no property management fees eating into returns. With owner financing available at 20% down on a 5-year balloon, investors can enter at a lower capital outlay and immediately put the property’s income to work. For buyers seeking beachfront exposure with a proven revenue track record and reduced barrier to entry, the numbers here are difficult to match. Location is a primary driver of the rental demand. The unit sits less than a mile from Pier Park — the area’s main shopping, dining, and entertainment hub — and a short drive from 30A, St. Andrews State Park, and downtown Panama City. Direct beach access, sugar-white sand, and unobstructed emerald-water views in a low-density setting are the features that keep guests rebooking year after year. The unit is fully turnkey and ready to generate income from closing. Recent updates include new bathroom flooring and a refreshed kitchenette with new cabinetry and sink. The west-facing exposure delivers sunset views over the Gulf — a consistent selling point in listing photos and guest reviews. Fontainebleau Terrace has anchored this stretch of Panama City Beach since 1965 and remains a property guests actively seek out. The HOA covers electricity, water, sewer, cable, Wi-Fi, and trash, keeping operating costs unusually low for a Gulf-front condo and translating more of the rental income directly to the bottom line. Amenities include a partially covered pool, owners’ lounge, game room, fitness room, laundry facilities, covered and open-air gathering spaces overlooking the Gulf, and elevator access to every floor. Beach service is being added this year — an upgrade that should support nightly rates going forward. The building has successfully passed its milestone inspection, confirming structural integrity and strong management — a meaningful de-risking factor in today’s Florida condo market. One reserved parking spot conveys with the unit, with overflow parking available.

Listing Details MLS# 785495

Contract Info

List Price/SqFt: 409.09

Location

Area: 03 – Bay County – Beach
Street #: 14401
Street Name: Front Beach
Street Suffix: Road
Unit #: 403
State: FL
Zip Code: 32413
County: Bay
Sub Area: 0318 – Beach – Central South
Subdivision: Fontainebleau Terrace
Community/Resort: None
Waterfront: No
Parcel ID: 34511-581-000
Elementary School: Hutchison Beach
Middle School: Surfside
High School: Arnold
Directions: From the Hathaway Bridge, take Hwy 98 W, Turn Left of Clara Ave, Turn Right on Pennel St merging onto Front Beach Rd. The destination will be on your left
Legal Description: FONTAINEBLEAU TERRACE UNIT 403 ORB 4543 P 737 EFF 330 H&C

General Property Info

Sub-Type: Condominium
Floor Number: 4
Design: Mid-Rise (4-7 floors)
Apx SqFt(Htd/Cooled): 330
SqFt Source: Prop App Site
Full Baths: Yes
Total Baths: Yes
Year Built: 1965
Construction Status: Construction Complete
New Construction: No
Garage Y/N: No
Lot Dimensions: 0 x 0
Pool: Yes
Pool Type: Community

Listing Info, Tax and Legal

HOA Fee: Yes
HOA Amount: 895
HOA Frequency: Monthly
HOA Annual Amount: 10740
New Buyer Fee: No
Last Taxes: 1664
Last Tax Year: 2025
Brokerage Interest: No Interest
Condo Doc: Yes

Remarks & Misc

Remarks: Gross rental income: $27,000 in 2025, self-managed Owner financing available: 20% down, 5-year balloon, 30 year amortization, 6% Interest Milestone inspection passed; all building work complete HOA covers electricity, water, sewer, cable, Wi-Fi, and trash This 4th-floor west-facing unit at the iconic Fontainebleau Terrace produced $27,000 in gross rental income in 2025 — self-managed, with no property management fees eating into returns. With owner financing available at 20% down on a 5-year balloon, investors can enter at a lower capital outlay and immediately put the property's income to work. For buyers seeking beachfront exposure with a proven revenue track record and reduced barrier to entry, the numbers here are difficult to match. Location is a primary driver of the rental demand. The unit sits less than a mile from Pier Park — the area's main shopping, dining, and entertainment hub — and a short drive from 30A, St. Andrews State Park, and downtown Panama City. Direct beach access, sugar-white sand, and unobstructed emerald-water views in a low-density setting are the features that keep guests rebooking year after year. The unit is fully turnkey and ready to generate income from closing. Recent updates include new bathroom flooring and a refreshed kitchenette with new cabinetry and sink. The west-facing exposure delivers sunset views over the Gulf — a consistent selling point in listing photos and guest reviews. Fontainebleau Terrace has anchored this stretch of Panama City Beach since 1965 and remains a property guests actively seek out. The HOA covers electricity, water, sewer, cable, Wi-Fi, and trash, keeping operating costs unusually low for a Gulf-front condo and translating more of the rental income directly to the bottom line. Amenities include a partially covered pool, owners' lounge, game room, fitness room, laundry facilities, covered and open-air gathering spaces overlooking the Gulf, and elevator access to every floor. Beach service is being added this year — an upgrade that should support nightly rates going forward. The building has successfully passed its milestone inspection, confirming structural integrity and strong management — a meaningful de-risking factor in today's Florida condo market. One reserved parking spot conveys with the unit, with overflow parking available.

Pool Features

Inground: Yes

More Information

Appliances

Microwave: Yes
Oven – Electric: Yes
Refrigerator: Yes

Interior Features

Floor – Tile: Yes
Window – Treatment All: Yes

Association Fees Include

Accounting: Yes
Advertising: Yes
Community Room: Yes
Exercise Room: Yes
Ground Keeping: Yes
Insurance: Yes
Legal: Yes
Management: Yes
Pest Control: Yes
Pool: Yes

Financing

Cash: Yes
Seller Financing: Yes

Furnished

Furnished: Yes

Kitchen

First: Yes

Living Room

First: Yes

Lot Access

City Street: Yes
Paved Road: Yes

Association Amenities

BBQ Pit/Grill: Yes
Beach: Yes
Community Room: Yes
Dumpster: Yes
Elevators: Yes
Exercise Room: Yes
Pool: Yes

Rooms

Kitchen: Yes
Living Room: Yes
Primary Bedroom: Yes

Showing

ShowingTime: Yes

Utilities

Cable – Available: Yes
Electricity – Connected: Yes
Public Sewer – Connected: Yes
Public Water – Connected: Yes

Sale Type

As Is: Yes

Primary Bedroom

First: Yes

Cooling

Central Air: Yes
Electric: Yes

Heating

Central: Yes
Electric: Yes

Security Features

Smoke Detector(s): Yes

Property Features

Appliances: Microwave; Oven – Electric; Refrigerator Primary Bedroom: First Cooling: Central Air; Electric Heating: Central; Electric Association Fees Include: Accounting; Advertising; Community Room; Exercise Room; Insurance; Legal; Ground Keeping; Management; Pest Control; Pool Financing: Cash; Seller Financing Furnished: Furnished Kitchen: First Living Room: First Lot Access: City Street; Paved Road Pool Features: Inground Security Features: Smoke Detector(s) Association Amenities: BBQ Pit/Grill; Beach; Community Room; Dumpster; Elevators; Exercise Room; Pool Rooms: Kitchen; Living Room; Primary Bedroom Sale Type: As Is Showing: ShowingTime Utilities: Cable – Available; Electricity – Connected; Public Sewer – Connected; Public Water – Connected

Room Information

Room Name	Level	Dimensions	Length	Width
Master Bedroom	First	12 x 12	12.00	12.00
Living Room	First	12 x 12	12.00	12.00
Kitchen	First	12 x 12	12.00	12.00

Listing Office: Legacy Premier Agency

Last Updated: June – 15 – 2026

Information deemed reliable but not guaranteed.