16328 Front Beach Road 4, Panama City Beach, FL 32413 (MLS# 785453)

16328 Front Beach Road 4, Panama City Beach, FL 32413

$825,000

Virtual Tour

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

Current Price: $825,000 List Date: 2/20/2026 Last Modified: 4/21/2026

Overview

Description

Welcome to the enchanting world of coastal living at 16328 Front Beach Rd, Unit 4, nestled in the vibrant Summer Towne Cottages community! This charming beach house is not just a home; it's a lifestyle waiting to be lived. With 3 spacious bedrooms and 4 beautifully designed bathrooms, this residence offers a perfect blend of comfort and style set against the backdrop of the pristine Gulf coast. As you make your way through the home, you'll discover freshly updated features that harmonize modern elegance with the charm of beachside living. The metal roof not only adds a unique aesthetic appeal but also promises durability, making this home as practical as it is beautiful. You'll love relaxing in the sun-soaked living areas, filled with natural light that pours in through large windows, inviting the serene coastal vibes from outside. But the real showstopper? The breathtaking Gulf view from the third floor, where mornings are greeted with stunning sunrises and evenings are wrapped … (Read more) Welcome to the enchanting world of coastal living at 16328 Front Beach Rd, Unit 4, nestled in the vibrant Summer Towne Cottages community! This charming beach house is not just a home; it’s a lifestyle waiting to be lived. With 3 spacious bedrooms and 4 beautifully designed bathrooms, this residence offers a perfect blend of comfort and style set against the backdrop of the pristine Gulf coast. As you make your way through the home, you’ll discover freshly updated features that harmonize modern elegance with the charm of beachside living. The metal roof not only adds a unique aesthetic appeal but also promises durability, making this home as practical as it is beautiful. You’ll love relaxing in the sun-soaked living areas, filled with natural light that pours in through large windows, inviting the serene coastal vibes from outside. But the real showstopper? The breathtaking Gulf view from the third floor, where mornings are greeted with stunning sunrises and evenings are wrapped in pastel sunsets. Imagine sipping your coffee or enjoying a glass of wine while soaking in the captivating scenery right from your own balcony! For those who love adventure and the outdoors, the nearby dog beach access offers the perfect opportunity for your furry friends to frolic in the surf. The community is also just minutes from Pier Park, where shopping, dining, and entertainment await. Stroll a short distance to the county pier for a day of fishing, paddle boarding, or simply admiring the waves crashing against the shore. This beach house isn’t merely a place to live; it’s a gateway to creating memories that will last a lifetime. With its perfect location, modern features, and coastal charm, this home is ready for you to make it your own. Come and experience the beauty and joy of life at the beach. Your paradise awaits! As an added benefit, this property is an excellent short-term rental investment. With proof of past and future revenue, the financial opportunities here are impressive. This turn key home comes fully furnished with everything you need to have revenue flowing in as soon as possible. Whether you are looking for a serene getaway or an investment property, this home fulfills both dreams effortlessly. Don’t miss your chance to own a piece of paradise in this highly sought-after beach community. Experience the luxury of coastal living at its finest in Summer Towne Cottages, where beautiful days and breathtaking views are part of everyday life. Come see this spectacular beach house today and find out why it could be the perfect place for you to call home!

Listing Details MLS# 785453

Contract Info

List Price/SqFt: 603.07

Location

Area: 03 – Bay County – Beach
Street #: 16328
Street Name: Front Beach
Street Suffix: Road
Unit #: 4
State: FL
Zip Code: 32413
County: Bay
Sub Area: 0320 – Beach – Middle Central
Subdivision: Summer Towne Cottage Condo Ph II
Community/Resort: None
Waterfront: No
Parcel ID: 33674-004-000
Elementary School: Hutchison Beach
Middle School: Surfside
High School: Arnold
Directions: HWY 98 WEST TO POWELL ADAMS ROAD, TURN LEFT TO FRONT BEACH ROAD, TURN RIGHT on LAKE CIRCLE,THEN LEFT ON GULF LANE TO UNIT #4
Legal Description: SUMMER TOWNE COTTAGE CONDO PH V UNIT 4 ORB 2038 P 1491 3BR 3.5B 1368 H&C ORB 3966 P 17

General Property Info

Sub-Type: Detached Single Family
Design: Florida Cottage
Apx SqFt(Htd/Cooled): 1368
SqFt Source: Prop App Site
Full Baths: 3
Half Baths: Yes
Total Baths: 4
# of Stories in Building: 3
Year Built: 2002
Immediate Occupancy: Yes
Construction Status: Construction Complete
New Construction: No
Garage Y/N: No
Covered Spaces: 2
Driveway Spaces: 4
Pool: Yes
Pool Type: Community
Acreage: 0
Lot Size (SqFt): 0
Lot Dimensions: No

Listing Info, Tax and Legal

Homestead: No
HOA Fee: Yes
HOA Amount: 1143.09
HOA Frequency: Quarterly
HOA Annual Amount: 4572.36
Senior Community: No
Is Subject Leased: No
New Buyer Fee: No
Last Taxes: 6039
Last Tax Year: 2025
Brokerage Interest: No Interest
Township: Panama City
Condo Doc: Yes

Remarks & Misc

Remarks: Welcome to the enchanting world of coastal living at 16328 Front Beach Rd, Unit 4, nestled in the vibrant Summer Towne Cottages community! This charming beach house is not just a home; it's a lifestyle waiting to be lived. With 3 spacious bedrooms and 4 beautifully designed bathrooms, this residence offers a perfect blend of comfort and style set against the backdrop of the pristine Gulf coast. As you make your way through the home, you'll discover freshly updated features that harmonize modern elegance with the charm of beachside living. The metal roof not only adds a unique aesthetic appeal but also promises durability, making this home as practical as it is beautiful. You'll love relaxing in the sun-soaked living areas, filled with natural light that pours in through large windows, inviting the serene coastal vibes from outside. But the real showstopper? The breathtaking Gulf view from the third floor, where mornings are greeted with stunning sunrises and evenings are wrapped in pastel sunsets. Imagine sipping your coffee or enjoying a glass of wine while soaking in the captivating scenery right from your own balcony! For those who love adventure and the outdoors, the nearby dog beach access offers the perfect opportunity for your furry friends to frolic in the surf. The community is also just minutes from Pier Park, where shopping, dining, and entertainment await. Stroll a short distance to the county pier for a day of fishing, paddle boarding, or simply admiring the waves crashing against the shore. This beach house isn't merely a place to live; it's a gateway to creating memories that will last a lifetime. With its perfect location, modern features, and coastal charm, this home is ready for you to make it your own. Come and experience the beauty and joy of life at the beach. Your paradise awaits! As an added benefit, this property is an excellent short-term rental investment. With proof of past and future revenue, the financial opportunities here are impressive. This turn key home comes fully furnished with everything you need to have revenue flowing in as soon as possible. Whether you are looking for a serene getaway or an investment property, this home fulfills both dreams effortlessly. Don't miss your chance to own a piece of paradise in this highly sought-after beach community. Experience the luxury of coastal living at its finest in Summer Towne Cottages, where beautiful days and breathtaking views are part of everyday life. Come see this spectacular beach house today and find out why it could be the perfect place for you to call home!

Balcony

Second: Yes
Third: Yes

More Information

Dining Room

Third: Yes

Master Bathroom

Second: Yes

Owner's Closet

First: Yes

Pool Features

Inground: Yes

Appliances

Dishwasher: Yes
Disposal: Yes
Microwave: Yes
Oven – Electric: Yes
Washer/Dryer Stacked: Yes

Interior Features

Breakfast Bar: Yes
Ceiling – Vaulted: Yes
Floor – Vinyl: Yes
Floor – Vinyl Plank: Yes
Stairs: Yes

Construction/Siding

Foundation – Slab on Grade: Yes
Roof – Metal: Yes

Exterior

Balcony: Yes

Waterfront Feature

Other – See Remarks: Yes

Association Fees Include

Ground Keeping: Yes
Pool: Yes
Trash Disposal: Yes

Financing

Cash: Yes
Conventional: Yes
FHA: Yes
VA: Yes

Furnished

Furnished: Yes

Kitchen

Third: Yes

Living Room

Third: Yes

Lot Features

Near Beach Access: Yes
Within 1/2 Mile to Water: Yes

Lot Access

City Street: Yes

Parking Features

Carport Attached: Yes
Driveway: Yes

Mstr Bath / Mstr Bdrm

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

Present Zoning

City: Yes

Association Amenities

Pool: Yes

Rooms

Balcony: Yes
Bedroom: Yes
Dining Room: Yes
Full Bathroom: Yes
Kitchen: Yes
Living Room: Yes
Master Bathroom: Yes
Master Bedroom: Yes
Owner's Closet: Yes

Utilities

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

Waterview

Gulf: Yes
Lake: Yes
Unit Waterview Only: Yes

Sale Type

As Is: Yes

Full Bathroom

First: Yes
Second: Yes

Master Bedroom

Second: Yes

Bedroom

First: Yes
Second: Yes

Cooling

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

Heating

Central: Yes

Security Features

Fire Alarm: Yes
Fire Sprinkler System: Yes
Security Lights: Yes

Property Features

Appliances: Dishwasher; Disposal; Microwave; Oven – Electric; Washer/Dryer Stacked Full Bathroom: First; Second Master Bedroom: Second Bedroom: First; Second Cooling: Ceiling Fan(s); Central Air; Electric Heating: Central Exterior: Balcony Association Fees Include: Ground Keeping; Pool; Trash Disposal Financing: Cash; Conventional; FHA; VA Furnished: Furnished Kitchen: Third Living Room: Third Lot Features: Near Beach Access; Within 1/2 Mile to Water Lot Access: City Street Balcony: Second; Third Master Bathroom: Second Dining Room: Third Owner's Closet: First Pool Features: Inground Security Features: Fire Alarm; Fire Sprinkler System; Security Lights Parking Features: Carport Attached; Driveway Association Amenities: Pool Rooms: Balcony; Bedroom; Dining Room; Full Bathroom; Kitchen; Living Room; Master Bathroom; Master Bedroom; Owner's Closet Sale Type: As Is Utilities: Electricity – Connected; Sewer Available; Public Water – Connected Waterfront Feature: Other – See Remarks Waterview: Gulf; Lake; Unit Waterview Only

Room Information

Room Name	Level	Dimensions	Remarks
Bedroom	First	0 x 0	Ask Seller If Information is deemed important
Master Bedroom	Second	0 x 0	Ask Seller If Information is deemed important
Balcony	Second	0 x 0	Ask Seller If Information is deemed important
Bedroom	Second	0 x 0	Ask Seller If Information is deemed important
Balcony	Second	0 x 0	Ask Seller If Information is deemed important
Master Bathroom	Second	0 x 0	Ask Seller If Information is deemed important
Full Bathroom	First	0 x 0	Ask Seller If Information is deemed important
Full Bathroom	Second	0 x 0	Ask Seller If Information is deemed important
Kitchen	Third	0 x 0	Ask Seller If Information is deemed important
Balcony	Third	0 x 0	Ask Seller If Information is deemed important
Owner's Closet	First	0 x 0	Ask Seller If Information is deemed important
Dining Room	Third	0 x 0	Ask Seller If Information is deemed important
Living Room	Third	0 x 0	Ask Seller If Information is deemed important

Listing Office: QUORA REALTY

Last Updated: April – 21 – 2026

Information deemed reliable but not guaranteed.