20405 Front Beach Road Road, Panama City Beach, FL 32413
$4,699,000
Property Type:
Residential
Bedrooms:
9
Baths:
10
Square Footage:
5,215
Lot Size (sq. ft.):
3,920
Status:
Active
Current Price:
$4,699,000
List Date:
11/10/2025
Last Modified:
11/10/2025
Description
**Virtual Tour Available**
20405 Front Beach Road is an exquisite gulf front home nestled perfectly in the Laguna Beach section of Panama City Beach. This gorgeous gulf-front estate was fully renovated in 2023 and has newly refinished European White Oak flooring that was completed in March of 2025. Boasting an ideal location for both vacation rental and personal enjoyment, it sits just five miles east of the luxurious Rosemary Beach and five miles west of Pier Park—the largest commercial and entertainment center in Northwest Florida. This residence presents an exceptional vacation rental opportunity with the sister home grossing annual rental income of $444,000 in 2024, and this home grossing just under $300,000 in a partial year on the same management program.
Distinguished by its meticulously designed floor plan, 20405 Front Beach Road stands out amidst Panama City Beach properties. Unlike many coastal homes that prioritize sleeping space over functional living areas, this home features three distinct living room and entertainment spaces. With 10-foot ceilings and generously sized bedrooms, every occupant can relish in the tranquility of this gulf-front retreat. Outdoor amenities include expansive balconies on each level and a private pool overlooking the Gulf, surrounded by shaded seating areas. The property’s design is inspired by the natural beauty of the coast, evident in its locally sourced hardwood flooring and serene color palette. Turquoise accents and white quartz countertops pay homage to the nearby beaches, creating a seamless connection between indoor elegance and outdoor splendor. 20405 Front Beach Road epitomizes the fusion of style and functionality, enhanced by its prime location amidst the best offerings of Northwest Florida.
More Information MLS# 771944
Listing Info, Tax and Legal
Homestead: No
HOA Fee: No
Senior Community: No
Is Subject Leased: No
New Buyer Fee: No
Last Taxes: 32314
Last Tax Year: 2024
Brokerage Interest: No Interest
As Is: No
Contract Info
List Price/SqFt: 901.05
Status: Active
List Date: 2025-03-17
List Price: $4,699,000
Current Price: $4,699,000
Location
Sub Area: 0325 – Beach – West South
Community/Resort: Laguna Beach
Waterfront: Yes
Gulf Access: Yes
Elementary School: West Bay
Middle School: Surfside
High School: Arnold
Directions: From hwy 98 turn south on Wisteria Lane. Continue to Front Beach Road. Turn right on Front Beach Road and the house is immediately on your left.
Area: 03 – Bay County – Beach
Street #: 20405
Street Name: Front Beach Road
Street Suffix: Road
State: FL
Zip Code: 32413
County: Bay
Subdivision: Laguna Beach Estates
Parcel ID: 36627-000-000
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
Acreage: 0.09
Design: Beach House
Lot Size (SqFt): 3920
Apx SqFt(Htd/Cooled): 5215
Immediate Occupancy: Yes
Construction Status: Construction Complete
SqFt Source: Prop App Site
Half Baths: 1
# of Stories in Building: 4
Lot Dimensions: 38×105
New Construction: No
Garage Y/N: Yes
Garage Spaces: 0.5
Beach Frontage: 38
Driveway Spaces: 6
Pool: Yes
Pool Type: Private
Sub-Type: Detached Single Family
Bedrooms: 9
Full Baths: 9
Total Baths: 10
Year Built: 2019
Remarks & Misc
Remarks: **Virtual Tour Available**
20405 Front Beach Road is an exquisite gulf front home nestled perfectly in the Laguna Beach section of Panama City Beach. This gorgeous gulf-front estate was fully renovated in 2023 and has newly refinished European White Oak flooring that was completed in March of 2025. Boasting an ideal location for both vacation rental and personal enjoyment, it sits just five miles east of the luxurious Rosemary Beach and five miles west of Pier Park—the largest commercial and entertainment center in Northwest Florida. This residence presents an exceptional vacation rental opportunity with the sister home grossing annual rental income of $444,000 in 2024, and this home grossing just under $300,000 in a partial year on the same management program.
Distinguished by its meticulously designed floor plan, 20405 Front Beach Road stands out amidst Panama City Beach properties. Unlike many coastal homes that prioritize sleeping space over functional living areas, this home features three distinct living room and entertainment spaces. With 10-foot ceilings and generously sized bedrooms, every occupant can relish in the tranquility of this gulf-front retreat. Outdoor amenities include expansive balconies on each level and a private pool overlooking the Gulf, surrounded by shaded seating areas. The property’s design is inspired by the natural beauty of the coast, evident in its locally sourced hardwood flooring and serene color palette. Turquoise accents and white quartz countertops pay homage to the nearby beaches, creating a seamless connection between indoor elegance and outdoor splendor. 20405 Front Beach Road epitomizes the fusion of style and functionality, enhanced by its prime location amidst the best offerings of Northwest Florida.
Bonus Room
Fourth: 1
Bunk Room
Third: 1
Loft
Fourth: 1
Pool Features
Heated – Gas: 1
Inground: 1
Appliances
Range – Electric: 1
Refrigerator: 1
Washer/Dryer Stacked: 1
Water Heater – Tankless: 1
Interior Features
Breakfast Bar: 1
Ceiling – Raised: 1
Floor – Hardwood: 1
Kitchen Island: 1
Lighting – Recessed: 1
Pantry: 1
Window – Treatment All: 1
Construction/Siding
Foundation – Stilts: 1
Wood/Frame: 1
Roof – Metal: 1
Siding – Hardie Board: 1
Exterior
Balcony: 1
Deck Covered: 1
Waterfront Feature
Waterfront Feet: 38
Furnished
Furnished: 1
Interior
Bonus Room: 1
Kitchen
Second: 1
Living Room
First: 1
Second: 1
Lot Features
Coastal Construction Control Line: 1
Waterfront: 1
Within 1/2 Mile to Water: 1
Lot Access
Paved Road: 1
Parking Features
Garage Attached: 1
Mstr Bath / Mstr Bdrm
MBath Double Vanity: 1
MBath Garden Tub: 1
MBath Separate Shwr: 1
MBath Walk-In Closet: 1
MBed Balcony: 1
MBed Waterfront: 1
Present Zoning
Resid Single Family: 1
Rooms
Bedroom: 1
Bonus Room: 1
Bunk Room: 1
Kitchen: 1
Living Room: 1
Loft: 1
Utilities
Electricity – Connected: 1
Natural Gas – Connected: 1
Public Sewer – Connected: 1
Public Water – Connected: 1
Waterview
Gulf: 1
Unobstructed: 1
Waterfront Type
Gulf: 1
Bedroom
First: 1
Second: 1
Third: 1
Fourth: 1
Cooling
Multi Units: 1
Zoned: 1
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
Living Room
Level: First
Dimensions: 24 x 10.8
Length: 24.00
Width: 10.80
Dimensions: 24 x 10.8
Bedroom
Level: First
Dimensions: 15.6 x 14.6
Length: 15.60
Width: 14.60
Dimensions: 15.6 x 14.6
Living Room
Level: Second
Dimensions: 24 x 10.8
Length: 24.00
Width: 10.80
Dimensions: 24 x 10.8
Kitchen
Level: Second
Dimensions: 31 x 22
Length: 31.00
Width: 22.00
Dimensions: 31 x 22
Bedroom
Level: Second
Dimensions: 13 x 8.5
Length: 13.00
Width: 8.50
Dimensions: 13 x 8.5
Bedroom
Level: Second
Dimensions: 12.5 x 12
Length: 12.50
Width: 12.00
Dimensions: 12.5 x 12
Bedroom
Level: Third
Dimensions: 15.7 x 12.5
Length: 15.70
Width: 12.50
Dimensions: 15.7 x 12.5
Bedroom
Level: Third
Dimensions: 11.8 x 8.2
Length: 11.80
Width: 8.20
Dimensions: 11.8 x 8.2
Bunk Room
Level: Third
Dimensions: 12 x 8
Length: 12.00
Width: 8.00
Dimensions: 12 x 8
Bedroom
Level: Fourth
Dimensions: 19.4 x 10.3
Length: 19.40
Width: 10.30
Dimensions: 19.4 x 10.3
Loft
Level: Fourth
Dimensions: 12.5 x 11.2
Length: 12.50
Width: 11.20
Dimensions: 12.5 x 11.2
Bonus Room
Level: Fourth
Dimensions: 12.5 x 7.3
Length: 12.50
Width: 7.30
Dimensions: 12.5 x 7.3
Listing Office:
Compass
Last Updated: November – 10 – 2025
Information deemed reliable but not guaranteed.