14415 Front Beach Road 2103, Panama City Beach, FL 32413 (MLS# 793768)

14415 Front Beach Road 2103, Panama City Beach, FL 32413

New Listing

$470,000

Property Type: Residential Bedrooms: 2 Baths: 20 Square Footage: 1,146 Status: Active

Current Price: $470,000 List Date: 8/08/2026 Last Modified: 8/08/2026

Overview

Description

Welcome to Ocean Reef 2103 — Your Gulf-Front Getaway on the Emerald Coast! Experience breathtaking Gulf views and effortless coastal living from the 21st floor of Ocean Reef. This fully furnished, rental-ready, gulf-front condominium offers the perfect combination of spaciousness, comfort, and resort-style amenities, making it an exceptional vacation home, investment property, or both. One of the standout features of this residence is its coveted 10-foot ceilings and 8-foot interior doors, an exclusive feature offered only on floors 19 through 23 at Ocean Reef. From the moment you step inside, the elevated ceilings, taller doors, and open floor plan create an inviting sense of space and grandeur. Spectacular views of the Gulf of Mexico can be enjoyed from the living room, kitchen, and primary bedroom. Step outside onto the expansive 10' x 28' private balcony, where there's plenty of room to entertain, relax, and soak in the stunning scenery. It's the perfect place to watch sp … (Read more) Welcome to Ocean Reef 2103 — Your Gulf-Front Getaway on the Emerald Coast! Experience breathtaking Gulf views and effortless coastal living from the 21st floor of Ocean Reef. This fully furnished, rental-ready, gulf-front condominium offers the perfect combination of spaciousness, comfort, and resort-style amenities, making it an exceptional vacation home, investment property, or both. One of the standout features of this residence is its coveted 10-foot ceilings and 8-foot interior doors, an exclusive feature offered only on floors 19 through 23 at Ocean Reef. From the moment you step inside, the elevated ceilings, taller doors, and open floor plan create an inviting sense of space and grandeur. Spectacular views of the Gulf of Mexico can be enjoyed from the living room, kitchen, and primary bedroom. Step outside onto the expansive 10′ x 28′ private balcony, where there’s plenty of room to entertain, relax, and soak in the stunning scenery. It’s the perfect place to watch spectacular sunsets, spot dolphins and schools of fish, or simply take in the seemingly endless views stretching along more than 20 miles of the Emerald Coast. The comfortable living area is designed for both relaxation and entertaining, featuring a sleeper sofa and two reclining chairs positioned to take full advantage of the incredible Gulf views. The fully equipped kitchen features stainless steel appliances, a breakfast bar with three bar stools, and an open design that flows seamlessly into the dining area, which comfortably seats six. The Gulf-front primary bedroom, with king bed, offers direct balcony access, allowing you to wake up to beautiful water views and enjoy the coastal breeze without leaving your room. The private primary bath includes a spacious walk-in shower. The guest bedroom currently features a queen bed but offers enough space to accommodate two queen beds, providing flexibility for owners and rental guests. A large laundry room adds valuable convenience while also providing generous storage space. The property also includes reserved, dedicated parking, an especially desirable feature for owners and guests. Ocean Reef offers an impressive collection of resort-style amenities, including a Gulf-front swimming pool, indoor pool, hot tub, sauna, steam room, and fitness room. Seasonal beach chair service is also available, offering chaise loungers and umbrellas for the ultimate beach-day experience. Location is another major advantage. Ocean Reef is conveniently situated approximately 1.5 miles from Pier Park, Panama City Beach’s premier destination for shopping, dining, entertainment, and attractions. Directly across the street, you’ll find a large gift shop, doughnut and coffee shop, mini-golf, go-kart track, snack bar, and more. And just two lots away, Runaway Island offers delicious beachfront dining with both indoor and outdoor seating. Whether you’re looking for a turnkey rental investment, a second home, or your own Gulf-front escape, Ocean Reef 2103 checks all the boxes. Beautifully furnished, rental-ready, exceptionally spacious, and positioned high above the Gulf with unforgettable views — this is one you won’t want to miss. Put Ocean Reef 2103 at the top of your must-see list. You’ll be glad you did!

Listing Details MLS# 793768

Contract Info

List Price/SqFt: 410.12

Location

Area: 03 – Bay County – Beach
Street #: 14415
Street Name: Front Beach
Street Suffix: Road
Unit #: 2103
State: FL
Zip Code: 32413
County: Bay
Sub Area: 0318 – Beach – Central South
Subdivision: Ocean Reef
Community/Resort: None
Waterfront: Yes
Gulf Access: Yes
Parcel ID: 40001-250-137
Elementary School: Hutchison Beach
Middle School: Surfside
High School: Arnold
Directions: From Hwy 98 (Back Beach Road) turn south onto Nautilus St. At Front Beach Road, turn right. Ocean Reef will be immediately on your left.
Legal Description: OCEAN REEF, A CONDOMINIUM UNIT 2103 2BR 2BA ORB 3042 P 236 ORB 3135 P 1252 TYPE B 923 H&C 257 BALC

General Property Info

Sub-Type: Condominium
Floor Number: 21
Design: High-Rise (8+ floors)
Apx SqFt(Htd/Cooled): 1146
SqFt Source: Builders Plans
Full Baths: 2
Total Baths: 20
# of Stories in Building: 23
# of Units in Bldg: 162
Accessory Dwelling Unit: No
Year Built: 2008
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: Yes
Lot Dimensions: 0x0
Pool: Yes
Pool Type: Community

Listing Info, Tax and Legal

HOA Fee: Yes
HOA Amount: 2662.86
HOA Frequency: Quarterly
HOA Annual Amount: 10651.44
New Buyer Fee: Yes
New Buyer Fee Amt: 250
Last Taxes: 5674.54
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: Yes
Condo Doc: Yes

Remarks & Misc

Remarks: Welcome to Ocean Reef 2103 — Your Gulf-Front Getaway on the Emerald Coast! Experience breathtaking Gulf views and effortless coastal living from the 21st floor of Ocean Reef. This fully furnished, rental-ready, gulf-front condominium offers the perfect combination of spaciousness, comfort, and resort-style amenities, making it an exceptional vacation home, investment property, or both. One of the standout features of this residence is its coveted 10-foot ceilings and 8-foot interior doors, an exclusive feature offered only on floors 19 through 23 at Ocean Reef. From the moment you step inside, the elevated ceilings, taller doors, and open floor plan create an inviting sense of space and grandeur. Spectacular views of the Gulf of Mexico can be enjoyed from the living room, kitchen, and primary bedroom. Step outside onto the expansive 10' x 28' private balcony, where there's plenty of room to entertain, relax, and soak in the stunning scenery. It's the perfect place to watch spectacular sunsets, spot dolphins and schools of fish, or simply take in the seemingly endless views stretching along more than 20 miles of the Emerald Coast. The comfortable living area is designed for both relaxation and entertaining, featuring a sleeper sofa and two reclining chairs positioned to take full advantage of the incredible Gulf views. The fully equipped kitchen features stainless steel appliances, a breakfast bar with three bar stools, and an open design that flows seamlessly into the dining area, which comfortably seats six. The Gulf-front primary bedroom, with king bed, offers direct balcony access, allowing you to wake up to beautiful water views and enjoy the coastal breeze without leaving your room. The private primary bath includes a spacious walk-in shower. The guest bedroom currently features a queen bed but offers enough space to accommodate two queen beds, providing flexibility for owners and rental guests. A large laundry room adds valuable convenience while also providing generous storage space. The property also includes reserved, dedicated parking, an especially desirable feature for owners and guests. Ocean Reef offers an impressive collection of resort-style amenities, including a Gulf-front swimming pool, indoor pool, hot tub, sauna, steam room, and fitness room. Seasonal beach chair service is also available, offering chaise loungers and umbrellas for the ultimate beach-day experience. Location is another major advantage. Ocean Reef is conveniently situated approximately 1.5 miles from Pier Park, Panama City Beach's premier destination for shopping, dining, entertainment, and attractions. Directly across the street, you'll find a large gift shop, doughnut and coffee shop, mini-golf, go-kart track, snack bar, and more. And just two lots away, Runaway Island offers delicious beachfront dining with both indoor and outdoor seating. Whether you're looking for a turnkey rental investment, a second home, or your own Gulf-front escape, Ocean Reef 2103 checks all the boxes. Beautifully furnished, rental-ready, exceptionally spacious, and positioned high above the Gulf with unforgettable views — this is one you won't want to miss. Put Ocean Reef 2103 at the top of your must-see list. You'll be glad you did!

Dining Room

First: Yes

More Information

Pool Features

Gunite Concrete: Yes
Heated – Gas: Yes
Inground: Yes
Indoor: Yes
Spa/ Hot Tub: Yes

Appliances

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

Interior Features

Breakfast Bar: Yes
Ceiling – Crwn Molding: Yes
Floor – Tile: Yes
Window – Treatment All: Yes

Construction/Siding

Block: Yes
Concrete: Yes
Foundation – On Piling: Yes
Roof – Membrane: Yes
Siding – Stucco: Yes

Exterior

Balcony: Yes

Waterfront Feature

Shore – Beach: Yes

Association Fees Include

BBQ Pit/Grill: Yes
Beach: Yes
Conference Center: Yes
Dumpster: Yes
Exercise Room: Yes
Internet-WiFi: Yes
Pest Control: Yes
Pool: Yes
Sauna/Steam Room: Yes
Sewer: Yes
Water: Yes
Whirlpool: Yes

Financing

Cash: Yes
Conventional: Yes

Furnished

Furnished: Yes

Kitchen

First: Yes

Living Room

First: Yes

Lot Features

Coastal Construction Control Line: Yes
Covenants & Rescrictions: Yes
Near Beach Access: Yes
Sand Dunes: Yes
Storm Sewer: Yes
Waterfront: Yes
Within 1/2 Mile to Water: Yes

Parking Features

Additional Parking: Yes
Assigned: Yes
Parking Garage: Yes

Association Amenities

BBQ Pit/Grill: Yes
Beach: Yes
Boardwalk: Yes
Conference Center: Yes
Dumpster: Yes
Elevators: Yes
Exercise Room: Yes
Pool: Yes
Sauna/Steam Room: Yes
Security-24 hour: Yes
Waterfront: Yes
Whirlpool: Yes

Rooms

Dining Room: Yes
Kitchen: Yes
Living Room: Yes

Utilities

Electricity – Connected: Yes
Garbage: Yes
Internet – Fiber Optic: Yes
Public Sewer – Connected: Yes
Public Water – Connected: Yes

Waterview

Gulf: Yes

Sale Type

As Is: Yes

Waterfront Type

Gulf: Yes

Cooling

Ceiling Fan(s): Yes
Heat Pump: Yes

Heating

Heat Pump: Yes

Primary Bdrm/Primary Bath

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

Security Features

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

Property Features

Appliances: Dishwasher; Disposal; Dryer; Microwave; Oven – Electric; Range – Electric; Refrigerator; Washer; Water Heater – Electric Cooling: Ceiling Fan(s); Heat Pump Heating: Heat Pump Exterior: Balcony Association Fees Include: BBQ Pit/Grill; Beach; Dumpster; Exercise Room; Internet-WiFi; Conference Center; Pest Control; Pool; Sauna/Steam Room; Sewer; Whirlpool; Water Financing: Cash; Conventional Furnished: Furnished Kitchen: First Living Room: First Lot Features: Coastal Construction Control Line; Covenants & Rescrictions; Near Beach Access; Sand Dunes; Storm Sewer; Waterfront; Within 1/2 Mile to Water Dining Room: First Pool Features: Gunite Concrete; Heated – Gas; Inground; Indoor; Spa/ Hot Tub Security Features: Building Security; Fire Alarm; Fire Sprinkler System; Security Lights; Smoke Detector(s) Parking Features: Additional Parking; Assigned; Parking Garage Association Amenities: BBQ Pit/Grill; Beach; Boardwalk; Dumpster; Elevators; Exercise Room; Conference Center; Pool; Sauna/Steam Room; Security-24 hour; Whirlpool; Waterfront Rooms: Dining Room; Kitchen; Living Room Sale Type: As Is Utilities: Electricity – Connected; Garbage; Internet – Fiber Optic; Public Sewer – Connected; Public Water – Connected Waterfront Type: Gulf Waterfront Feature: Shore – Beach Waterview: Gulf

Room Information

Room Name	Level	Dimensions	Length	Width
Living Room	First	14 x 13.5	14.00	13.50
Dining Room	First	12 x 14	12.00	14.00
Kitchen	First	10 x 9	10.00	9.00

Listing Office: Distinctive Beach Real Estate

Last Updated: August – 08 – 2026

Information deemed reliable but not guaranteed.