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

$825,000
Property Type: Residential Bedrooms: 3 Baths: 4 Square Footage: 1,368 Status: Active
Current Price: $825,000 List Date: 2/20/2026 Last Modified: 3/07/2026

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 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!

Open Houses

Saturday, March 07, 11:00 am – 2:00 pm

More Information MLS# 785453

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

Contract Info

List Price/SqFt: 603.07 Status: Active List Date: 2026-02-20 List Price: $825,000 Current Price: $825,000

Location

Unit #: 4 Sub Area: 0320 – Beach – Middle Central Community/Resort: None Waterfront: No 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 Area: 03 – Bay County – Beach Street #: 16328 Street Name: Front Beach Street Suffix: Road State: FL Zip Code: 32413 County: Bay Subdivision: Summer Towne Cottage Condo Ph II Parcel ID: 33674-004-000 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

Acreage: 0 Design: Florida Cottage Lot Size (SqFt): 0 Apx SqFt(Htd/Cooled): 1368 Immediate Occupancy: Yes Construction Status: Construction Complete SqFt Source: Prop App Site Half Baths: 1 # of Stories in Building: 3 Lot Dimensions: 0 New Construction: No Garage Y/N: No Covered Spaces: 2 Driveway Spaces: 4 Pool: Yes Pool Type: Community Sub-Type: Detached Single Family Bedrooms: 3 Full Baths: 3 Total Baths: 4 Year Built: 2002

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: 1 Third: 1

Dining Room

Third: 1

Master Bathroom

Second: 1

Owner's Closet

First: 1

Pool Features

Inground: 1

Appliances

Dishwasher: 1 Disposal: 1 Microwave: 1 Oven – Electric: 1 Washer/Dryer Stacked: 1

Interior Features

Breakfast Bar: 1 Ceiling – Vaulted: 1 Floor – Vinyl: 1 Floor – Vinyl Plank: 1 Stairs: 1

Construction/Siding

Foundation – Slab on Grade: 1 Roof – Metal: 1

Exterior

Balcony: 1

Waterfront Feature

Other – See Remarks: 1

Association Fees Include

Ground Keeping: 1 Pool: 1 Trash Disposal: 1

Financing

Cash: 1 Conventional: 1 FHA: 1 VA: 1

Furnished

Furnished: 1

Kitchen

Third: 1

Living Room

Third: 1

Lot Features

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

Lot Access

City Street: 1

Parking Features

Carport Attached: 1 Driveway: 1

Mstr Bath / Mstr Bdrm

MBath Double Vanity: 1 MBath Shower Only: 1 MBath Walk-In Closet: 1 MBed Balcony: 1 MBed Walk-in Closet: 1

Present Zoning

City: 1

Association Amenities

Pool: 1

Rooms

Balcony: 1 Bedroom: 1 Dining Room: 1 Full Bathroom: 1 Kitchen: 1 Living Room: 1 Master Bathroom: 1 Master Bedroom: 1 Owner's Closet: 1

Utilities

Electricity – Connected: 1 Sewer Available: 1 Public Water – Connected: 1

Waterview

Gulf: 1 Lake: 1 Unit Waterview Only: 1

Sale Type

As Is: 1

Full Bathroom

First: 1 Second: 1

Master Bedroom

Second: 1

Bedroom

First: 1 Second: 1

Cooling

Ceiling Fan(s): 1 Central Air: 1 Electric: 1

Heating

Central: 1

Security Features

Fire Alarm: 1 Fire Sprinkler System: 1 Security Lights: 1

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

Bedroom Level: First Dimensions: 0 x 0 Length: 0.00 Width: 0.00 Dimensions: 0 x 0 Remarks: Ask Seller If Information is deemed important Master Bedroom Level: Second Dimensions: 0 x 0 Length: 0.00 Width: 0.00 Dimensions: 0 x 0 Remarks: Ask Seller If Information is deemed important Balcony Level: Second Dimensions: 0 x 0 Length: 0.00 Width: 0.00 Dimensions: 0 x 0 Remarks: Ask Seller If Information is deemed important Bedroom Level: Second Dimensions: 0 x 0 Length: 0.00 Width: 0.00 Dimensions: 0 x 0 Remarks: Ask Seller If Information is deemed important Balcony Level: Second Dimensions: 0 x 0 Length: 0.00 Width: 0.00 Dimensions: 0 x 0 Remarks: Ask Seller If Information is deemed important Master Bathroom Level: Second Dimensions: 0 x 0 Length: 0.00 Width: 0.00 Dimensions: 0 x 0 Remarks: Ask Seller If Information is deemed important Full Bathroom Level: First Dimensions: 0 x 0 Length: 0.00 Width: 0.00 Dimensions: 0 x 0 Remarks: Ask Seller If Information is deemed important Full Bathroom Level: Second Dimensions: 0 x 0 Length: 0.00 Width: 0.00 Dimensions: 0 x 0 Remarks: Ask Seller If Information is deemed important Kitchen Level: Third Dimensions: 0 x 0 Length: 0.00 Width: 0.00 Dimensions: 0 x 0 Remarks: Ask Seller If Information is deemed important Balcony Level: Third Dimensions: 0 x 0 Length: 0.00 Width: 0.00 Dimensions: 0 x 0 Remarks: Ask Seller If Information is deemed important Owner's Closet Level: First Dimensions: 0 x 0 Length: 0.00 Width: 0.00 Dimensions: 0 x 0 Remarks: Ask Seller If Information is deemed important Dining Room Level: Third Dimensions: 0 x 0 Length: 0.00 Width: 0.00 Dimensions: 0 x 0 Remarks: Ask Seller If Information is deemed important Living Room Level: Third Dimensions: 0 x 0 Length: 0.00 Width: 0.00 Dimensions: 0 x 0 Remarks: Ask Seller If Information is deemed important
Listing Office: QUORA REALTY
Last Updated: March – 07 – 2026
Information deemed reliable but not guaranteed.