16328 Front Beach Road 20, Panama City Beach, FL 32413 (MLS# 796321)

16328 Front Beach Road 20, Panama City Beach, FL 32413

New Listing

$824,999

Property Type: Residential Bedrooms: 3 Baths: 4 Square Footage: 1,368 Status: Active

Current Price: $824,999 List Date: 10/06/2026 Last Modified: 10/06/2026

Overview

Description

Beach days, sunset walks and dinner out can all be part of the routine at Pier Haven, a three-story cottage in Summer Towne Cottages, a colorful, low-density beach community just steps from the Gulf on Front Beach Road in Panama City Beach. With the beach, Pier Park, Russell-Fields Pier, shopping, restaurants and entertainment all within easy walking distance, the location makes it easy to leave the car behind and settle into the best parts of beach life. Pier Haven is the cottage closest to Pier Park, putting some of the area's most popular spots practically at your doorstep. Short-term rentals are allowed, and Pier Haven has an established rental history, generating the equivalent of $93,089 in 2023, $93,615 in 2024 and $90,643 in 2025 (including owner usage). For a buyer looking for a Panama City Beach vacation home that can also generate rental income when not being enjoyed personally, the combination of location, layout and established rental performance is compelling. Summ … (Read more) Beach days, sunset walks and dinner out can all be part of the routine at Pier Haven, a three-story cottage in Summer Towne Cottages, a colorful, low-density beach community just steps from the Gulf on Front Beach Road in Panama City Beach. With the beach, Pier Park, Russell-Fields Pier, shopping, restaurants and entertainment all within easy walking distance, the location makes it easy to leave the car behind and settle into the best parts of beach life. Pier Haven is the cottage closest to Pier Park, putting some of the area’s most popular spots practically at your doorstep. Short-term rentals are allowed, and Pier Haven has an established rental history, generating the equivalent of $93,089 in 2023, $93,615 in 2024 and $90,643 in 2025 (including owner usage). For a buyer looking for a Panama City Beach vacation home that can also generate rental income when not being enjoyed personally, the combination of location, layout and established rental performance is compelling. Summer Towne Cottages offers a different kind of beach getaway – a collection of cottage-style homes gathered around a seasonal community pool rather than a large resort tower. There are no crowded lobbies or elevators to navigate, and this home comes with its own two-car garage. Guests can also enjoy the community’s sun deck, seasonal outdoor pool, BBQ facilities and picnic area. Inside, the three-story layout gives everyone room to spread out while creating distinct spaces for gathering and relaxing. The main living area occupies the top floor, where vaulted ceilings, tile flooring and an open floor plan make the space feel bright and airy. A covered porch with grill extends the living area outdoors, while the top deck offers impressive beach views and the kind of gulf breeze that makes you want to stay outside a little longer. The top-floor primary suite has its own reading nook, private bath and balcony overlooking the beach, creating a private retreat with a front-row beach view. Two additional bedroom suites are located on the second floor, each with a private bathroom. One includes a twin trundle bed tucked into a cozy nook, while the other features a queen bed and a private balcony overlooking the community pool. The washer and dryer are conveniently located on this level. The first floor adds another bedroom with a twin-over-full trundle bed, along with a private bathroom and foyer entrance. With three bedrooms, three full baths and a half bath, the layout gives families and groups plenty of room to spread out, while the multiple bedrooms, private baths and outdoor spaces make the home especially well suited to vacation stays. Pier Haven offers a distinctly different way to experience Panama City Beach: your own colorful cottage by the Gulf, with the beach and the best of the west end just outside the door. Schedule a tour to take a closer look at Pier Haven and see what makes this location so easy to enjoy.

Listing Details MLS# 796321

Contract Info

List Price/SqFt: 603.07

Location

Area: 03 – Bay County – Beach
Street #: 16328
Street Name: Front Beach
Street Suffix: Road
Unit #: 20
State: FL
Zip Code: 32413
County: Bay
Sub Area: 0318 – Beach – Central South
Subdivision: Summer Towne Cottage Condo Ph II
Community/Resort: None
Waterfront: No
Parcel ID: 33674-020-000
Elementary School: Hutchison Beach
Middle School: Surfside
High School: Arnold
Directions: House is located directly west of Pier Park on the north side of Front Beach Road. Turn into Summer Town Cottages. Take the first right and house is on the end on the right. House has a garage.
Legal Description: SUMMER TOWNE COTTAGE CONDO PH III UNIT 20 ORB 2038 P 1491 3BR 3.5B 1368 H&C ORB 4234 P 772

General Property Info

Sub-Type: Condominium
Floor Number: Yes
Design: Low-Rise (1-3 floors)
Apx SqFt(Htd/Cooled): 1368
SqFt Source: Prop App Site
Full Baths: 3
Half Baths: Yes
Total Baths: 4
Accessory Dwelling Unit: No
Year Built: 2002
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: 2
Pool: Yes
Pool Type: Community
Lot Dimensions: No

Listing Info, Tax and Legal

HOA Fee: Yes
HOA Amount: 1227.76
HOA Frequency: Quarterly
HOA Annual Amount: 4911.04
New Buyer Fee: Yes
Last Taxes: 6038.55
Last Tax Year: 2025
Brokerage Interest: No Interest
Condo Doc: Yes

Remarks & Misc

Remarks: Beach days, sunset walks and dinner out can all be part of the routine at Pier Haven, a three-story cottage in Summer Towne Cottages, a colorful, low-density beach community just steps from the Gulf on Front Beach Road in Panama City Beach. With the beach, Pier Park, Russell-Fields Pier, shopping, restaurants and entertainment all within easy walking distance, the location makes it easy to leave the car behind and settle into the best parts of beach life. Pier Haven is the cottage closest to Pier Park, putting some of the area's most popular spots practically at your doorstep. Short-term rentals are allowed, and Pier Haven has an established rental history, generating the equivalent of $93,089 in 2023, $93,615 in 2024 and $90,643 in 2025 (including owner usage). For a buyer looking for a Panama City Beach vacation home that can also generate rental income when not being enjoyed personally, the combination of location, layout and established rental performance is compelling. Summer Towne Cottages offers a different kind of beach getaway – a collection of cottage-style homes gathered around a seasonal community pool rather than a large resort tower. There are no crowded lobbies or elevators to navigate, and this home comes with its own two-car garage. Guests can also enjoy the community's sun deck, seasonal outdoor pool, BBQ facilities and picnic area. Inside, the three-story layout gives everyone room to spread out while creating distinct spaces for gathering and relaxing. The main living area occupies the top floor, where vaulted ceilings, tile flooring and an open floor plan make the space feel bright and airy. A covered porch with grill extends the living area outdoors, while the top deck offers impressive beach views and the kind of gulf breeze that makes you want to stay outside a little longer. The top-floor primary suite has its own reading nook, private bath and balcony overlooking the beach, creating a private retreat with a front-row beach view. Two additional bedroom suites are located on the second floor, each with a private bathroom. One includes a twin trundle bed tucked into a cozy nook, while the other features a queen bed and a private balcony overlooking the community pool. The washer and dryer are conveniently located on this level. The first floor adds another bedroom with a twin-over-full trundle bed, along with a private bathroom and foyer entrance. With three bedrooms, three full baths and a half bath, the layout gives families and groups plenty of room to spread out, while the multiple bedrooms, private baths and outdoor spaces make the home especially well suited to vacation stays. Pier Haven offers a distinctly different way to experience Panama City Beach: your own colorful cottage by the Gulf, with the beach and the best of the west end just outside the door. Schedule a tour to take a closer look at Pier Haven and see what makes this location so easy to enjoy.

Appliances

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

More Information

Interior Features

Breakfast Bar: Yes
Ceiling – Vaulted: Yes

Construction/Siding

Foundation – Slab on Grade: Yes
Siding – Hardie Board: Yes
Siding – Metal: Yes

Exterior

Balcony: Yes
Deck Covered: Yes
Shower: Yes
Porch Covered: Yes
Sprinkler System: Yes

Association Fees Include

Accounting: Yes
Pool: Yes
Trash Disposal: Yes
TV Cable: Yes

Furnished

Furnished: Yes

Lot Features

Within 1/2 Mile to Water: Yes

Parking Features

Garage Attached: Yes

Association Amenities

Pool: Yes

Rooms

Bedroom: Yes
Primary Bedroom: Yes

Showing

ShowingTime: Yes

Utilities

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

Waterview

Gulf: Yes

Primary Bedroom

First: Yes

Bedroom

First: Yes
Second: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes
Electric: Yes

Heating

Electric: Yes

Primary Bdrm/Primary Bath

MBath Double Vanity: Yes
MBath Shower Only: Yes
MBath Walk-In Closet: Yes
MBed Balcony: Yes

Property Features

Appliances: Dishwasher; Disposal; Microwave; Oven – Electric; Range – Electric; Refrigerator; Water Heater – Electric Primary Bedroom: First Bedroom: First; Second Cooling: Ceiling Fan(s); Central Air; Electric Heating: Electric Exterior: Balcony; Deck Covered; Shower; Porch Covered; Sprinkler System Association Fees Include: Accounting; TV Cable; Pool; Trash Disposal Furnished: Furnished Lot Features: Within 1/2 Mile to Water Parking Features: Garage Attached Association Amenities: Pool Rooms: Bedroom; Primary Bedroom Showing: ShowingTime Utilities: Electricity – Connected; Public Sewer – Connected; Public Water – Connected Waterview: Gulf

Room Information

Room Name	Level	Dimensions	Length	Width
Bedroom	First	14 x 8	14.00	8.00
Primary Bedroom	First	11 x 10	11.00	10.00
Bedroom	Second	10 x 9	10.00	9.00

Listing Office: Berkshire Hathaway HomeServices Beach Properties of Florida

Last Updated: October – 06 – 2026

Information deemed reliable but not guaranteed.