20405 Front Beach Road, Panama City Beach, FL 32413 (MLS# 792326)

20405 Front Beach Road, Panama City Beach, FL 32413

New Listing

$4,695,000

Facts and Features 20405 Front Beach Roa

Property Type: Residential Bedrooms: 9 Baths: 10 Square Footage: 5,215 Lot Size (sq. ft.): 3,920 Status: Active

Current Price: $4,695,000 List Date: 7/08/2026 Last Modified: 7/08/2026

Overview

Description

*Sellers offering a one-year competitive rental guarantee with qualifying offer* When I first toured 20405 Front Beach Road I was surprised by how livable the floorplan is for such a strong rental producer. It's very rare to find this kind of rental return on the gulf, and even more rare to find a strong rental producer with a floor plan that feels like a real home, not just a small hotel. This house has a family room on almost every level along with two kitchens and multiple laundry areas. Every bedroom has an ensuite bath, and most of the bedrooms have a walk-in closet as well. Each floor feels like its own space and has room to breathe, so it's ideal for a family to spend time together while not feeling like you're on top of one another. 20405 Front Beach Road advertises one of the best cap rates among gulf front homes with approximately $300,000 in actual gross rental income year-to-date (April 2026) and a projected $390,000+ in annual gross rental income. At $900/ft this home … (Read more) *Sellers offering a one-year competitive rental guarantee with qualifying offer* When I first toured 20405 Front Beach Road I was surprised by how livable the floorplan is for such a strong rental producer. It’s very rare to find this kind of rental return on the gulf, and even more rare to find a strong rental producer with a floor plan that feels like a real home, not just a small hotel. This house has a family room on almost every level along with two kitchens and multiple laundry areas. Every bedroom has an ensuite bath, and most of the bedrooms have a walk-in closet as well. Each floor feels like its own space and has room to breathe, so it’s ideal for a family to spend time together while not feeling like you’re on top of one another. 20405 Front Beach Road advertises one of the best cap rates among gulf front homes with approximately $300,000 in actual gross rental income year-to-date (April 2026) and a projected $390,000+ in annual gross rental income. At $900/ft this home is the second lowest list price per foot in the last year for a gulf front home on the West end of Panama City Beach. 20405 Front Beach Road is only five miles from Pier Park, the largest shopping, dining, and entertainment complex in Northwest Florida. It also sits five miles from the iconic Rosemary Beach. This is an ideal location for someone who wants to be within striking distance of 30A without paying the 30A price premium. Another aspect of the location that I love is how it makes avoiding traffic gridlock easier. The street directly in front of the driveway, Wisteria Lane, connects to Highway 98. You can pull out of the driveway onto Wiseteria Lane and then turn onto Highway 98 and bypass any congestion on Front Beach Road. This has made avoiding traffic so much easier during busy times. Another thing that stands out to me is how deep/wide the stretch of beach in front of the home is. This beach stays relatively uncrowded year-round. I’ve been at the home during peak Summer and Spring break months and have been surprised with the lack of crowds nearby compared to other gulf front listings that I’ve toured. Many properties in our market lack adequate storage, but 20405 Front Beach Road does not have that problem. There’s a lockable owner’s closet on almost every floor, and it was cleverly built to include a half-car garage which functions as ideal storage or as a large owner’s closet. Many owners choose to lock off a space like this and keep a refrigerator, personal bikes, beach toys, and other items they’ll need for their vacation. This way an owner can relax and not worry about having to go shopping first thing when they come into town. Distance from 20405 Front Beach Road to: Camp Helen State Park (4.0 miles), Pier Park (5.1 miles), Rosemary Beach (5.9 miles), Watersound Beach Club (7.8 miles), Airport (22 minute drive)

Listing Details MLS# 792326

Contract Info

List Price/SqFt: 900.29

Location

Area: 03 – Bay County – Beach
Street #: 20405
Street Name: Front Beach
Street Suffix: Road
State: FL
Zip Code: 32413
County: Bay
Sub Area: 0325 – Beach – West South
Subdivision: Laguna Beach Estates
Community/Resort: Laguna Beach
Waterfront: Yes
Gulf Access: Yes
Parcel ID: 36627-000-000
Elementary School: West Bay
Middle School: Surfside
High School: Arnold
Directions: From highway 98 turn south on Wisteria Lane. The house is directly in front of you when you reach Front Beach Road.
Legal Description: LAGUNA BEACH ESTATES PART LOT 1 BLK 2A: COMM ELY COR LOT 1 BLK 2A S28W 25' N61W 3' FOR POB TH S28W 70' N61W 31.25' N28E 30' N61W 3.25'N28E 40' N61E 34.50 TO POB AKA UNIT 1 ORB 4500 P 1669

General Property Info

Sub-Type: Detached Single Family
Design: Beach House
Apx SqFt(Htd/Cooled): 5215
SqFt Source: Prop App Site
Full Baths: 9
Half Baths: Yes
Total Baths: 10
# of Stories in Building: 4
Year Built: 2019
Immediate Occupancy: Yes
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: 0.5
Driveway Spaces: 6
Lot Dimensions: 38×105
Acreage: 0.09
Lot Size (SqFt): 3920
Beach Frontage: 38
Pool: Yes
Pool Type: Private

Waterfront Feature

Waterfront Feet: 38

Listing Info, Tax and Legal

Homestead: No
HOA Fee: No
Senior Community: No
Is Subject Leased: No
New Buyer Fee: No
Brokerage Interest: No Interest
As Is: No

Remarks & Misc

Remarks: *Sellers offering a one-year competitive rental guarantee with qualifying offer* When I first toured 20405 Front Beach Road I was surprised by how livable the floorplan is for such a strong rental producer. It's very rare to find this kind of rental return on the gulf, and even more rare to find a strong rental producer with a floor plan that feels like a real home, not just a small hotel. This house has a family room on almost every level along with two kitchens and multiple laundry areas. Every bedroom has an ensuite bath, and most of the bedrooms have a walk-in closet as well. Each floor feels like its own space and has room to breathe, so it's ideal for a family to spend time together while not feeling like you're on top of one another. 20405 Front Beach Road advertises one of the best cap rates among gulf front homes with approximately $300,000 in actual gross rental income year-to-date (April 2026) and a projected $390,000+ in annual gross rental income. At $900/ft this home is the second lowest list price per foot in the last year for a gulf front home on the West end of Panama City Beach. 20405 Front Beach Road is only five miles from Pier Park, the largest shopping, dining, and entertainment complex in Northwest Florida. It also sits five miles from the iconic Rosemary Beach. This is an ideal location for someone who wants to be within striking distance of 30A without paying the 30A price premium. Another aspect of the location that I love is how it makes avoiding traffic gridlock easier. The street directly in front of the driveway, Wisteria Lane, connects to Highway 98. You can pull out of the driveway onto Wiseteria Lane and then turn onto Highway 98 and bypass any congestion on Front Beach Road. This has made avoiding traffic so much easier during busy times. Another thing that stands out to me is how deep/wide the stretch of beach in front of the home is. This beach stays relatively uncrowded year-round. I've been at the home during peak Summer and Spring break months and have been surprised with the lack of crowds nearby compared to other gulf front listings that I've toured. Many properties in our market lack adequate storage, but 20405 Front Beach Road does not have that problem. There's a lockable owner's closet on almost every floor, and it was cleverly built to include a half-car garage which functions as ideal storage or as a large owner's closet. Many owners choose to lock off a space like this and keep a refrigerator, personal bikes, beach toys, and other items they'll need for their vacation. This way an owner can relax and not worry about having to go shopping first thing when they come into town. Distance from 20405 Front Beach Road to: Camp Helen State Park (4.0 miles), Pier Park (5.1 miles), Rosemary Beach (5.9 miles), Watersound Beach Club (7.8 miles), Airport (22 minute drive)

More Information

Bonus Room

Fourth: Yes

Bunk Room

Third: Yes

Loft

Fourth: Yes

Pool Features

Heated – Gas: Yes
Inground: Yes

Appliances

Range – Electric: Yes
Refrigerator: Yes
Washer/Dryer Stacked: Yes
Water Heater – Tankless: Yes

Interior Features

Breakfast Bar: Yes
Ceiling – Raised: Yes
Floor – Hardwood: Yes
Kitchen Island: Yes
Lighting – Recessed: Yes
Pantry: Yes
Window – Treatment All: Yes

Construction/Siding

Foundation – Stilts: Yes
Wood/Frame: Yes
Roof – Metal: Yes
Siding – Hardie Board: Yes

Exterior

Balcony: Yes
Deck Covered: Yes

Furnished

Furnished: Yes

Interior

Bonus Room: Yes

Kitchen

Second: Yes

Living Room

First: Yes
Second: Yes

Lot Features

Coastal Construction Control Line: Yes
Waterfront: Yes
Within 1/2 Mile to Water: Yes

Lot Access

Paved Road: Yes

Parking Features

Garage Attached: Yes

Present Zoning

Resid Single Family: Yes

Rooms

Bedroom: Yes
Bonus Room: Yes
Bunk Room: Yes
Kitchen: Yes
Living Room: Yes
Loft: Yes

Utilities

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

Waterview

Gulf: Yes
Unobstructed: Yes

Waterfront Type

Gulf: Yes

Bedroom

First: Yes
Second: Yes
Third: Yes
Fourth: Yes

Cooling

Multi Units: Yes
Zoned: Yes

Primary Bdrm/Primary Bath

MBath Double Vanity: Yes
MBath Separate Shwr: Yes
MBath Tub – Soaking: Yes
MBath Walk-In Closet: Yes
MBed Balcony: Yes
MBed Waterfront: Yes

Property Features

Appliances: Range – Electric; Refrigerator; Washer/Dryer Stacked; Water Heater – Tankless Bedroom: First; Second; Third; Fourth Cooling: Multi Units; Zoned Exterior: Balcony; Deck Covered Furnished: Furnished Interior: Bonus Room Kitchen: Second Living Room: First; Second Lot Features: Coastal Construction Control Line; Waterfront; Within 1/2 Mile to Water Lot Access: Paved Road Bunk Room: Third Bonus Room: Fourth Loft: Fourth Pool Features: Heated – Gas; Inground Parking Features: Garage Attached Rooms: Bedroom; Bonus Room; Bunk Room; Kitchen; Living Room; Loft Utilities: Electricity – Connected; Natural Gas – Connected; Public Sewer – Connected; Public Water – Connected Waterfront Type: Gulf Waterview: Gulf; Unobstructed Present Zoning: Resid Single Family

Room Information

Room Name	Level	Dimensions	Length	Width
Living Room	First	24 x 10.8	24.00	10.80
Bedroom	First	15.6 x 14.6	15.60	14.60
Living Room	Second	24 x 10.8	24.00	10.80
Kitchen	Second	31 x 22	31.00	22.00
Bedroom	Second	13 x 8.5	13.00	8.50
Bedroom	Second	12.5 x 12	12.50	12.00
Bedroom	Third	15.7 x 12.5	15.70	12.50
Bedroom	Third	11.8 x 8.2	11.80	8.20
Bunk Room	Third	12 x 8	12.00	8.00
Bedroom	Fourth	19.4 x 10.3	19.40	10.30
Loft	Fourth	12.5 x 11.2	12.50	11.20
Bonus Room	Fourth	12.5 x 7.3	12.50	7.30

Listing Office: Compass Florida, LLC

Last Updated: July – 08 – 2026

Information deemed reliable but not guaranteed.