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.