20816 Front Beach Road, Panama City Beach, FL 32413
$2,580,000
Property Type:
Residential
Bedrooms:
6
Baths:
4
Square Footage:
2,808
Lot Size (sq. ft.):
14,810
Status:
Active
Current Price:
$2,580,000
List Date:
12/18/2025
Last Modified:
2/21/2026
Description
SELLER OFFERING $20,000 CREDIT TOWARDS INTEREST RATE BUY DOWN OR A GOLF CART! Welcome to your ultimate beach retreat on the highly sought-after west end of Panama City Beach! This fully remodeled 6-bedroom, 4-bath coastal stunner delivers the perfect blend of luxury, entertainment, and Gulf-side living. Enjoy beautiful views of the Gulf along with private beach access, giving you the beachfront lifestyle everyone dreams of. Step into a home that feels welcoming with high-end finishes, designer touches, upgraded LED lighting, and a thoughtful layout that makes every space shine. The home comes fully furnished, offering a true turnkey opportunity whether you plan to use it as a primary residence, second home, or high-performing investment property.
Outside, the fun really begins. The expansive outdoor area is built for entertaining with multiple seating zones, a heated private pool, and vibrant LED lighting that transforms the space into a coastal oasis at night. The property also features a mini-golf area, perfect for guests, kids, and everyone looking to enjoy a little friendly competition.
From the incredible outdoor amenities to the luxurious interior updates, this home offers an unmatched experience on Front Beach Road. If you’re searching for a Gulf-view property that truly has it all, this is the one.
Information contained within this listing such as lot dimensions, is deemed to be accurate but is not guaranteed. Buyer to verify.
More Information MLS# 782793
Listing Info, Tax and Legal
HOA Fee: No
New Buyer Fee: No
Last Taxes: 21119
Last Tax Year: 2024
Brokerage Interest: No Interest
Contract Info
List Price/SqFt: 918.8
Status: Active
List Date: 2025-12-02
List Price: $2,580,000
Current Price: $2,580,000
Location
Sub Area: 0324 – Beach – West Central
Community/Resort: None
Waterfront: No
Elementary School: West Bay
Middle School: Surfside
High School: Arnold
Directions: West end of Front Beach: Drive east 2.4 miles on Front Beach Rd and the house is on the left. East End on 98: Turn onto Twin Lakes Dr South, Follow to Front Beach Rd. Turn right and drive 0.2 miles and the house is on the right.
Area: 03 – Bay County – Beach
Street #: 20816
Street Name: Front Beach
Street Suffix: Road
State: FL
Zip Code: 32413
County: Bay
Subdivision: Santa Monica Beach
Parcel ID: 37194-000-000
Legal Description: SANTA MONICA BEACH LOT 1 BLK 3 ORB 4705 P 1157
General Property Info
Acreage: 0.34
Design: Beach House
Lot Size (SqFt): 14810
Apx SqFt(Htd/Cooled): 2808
Construction Status: Construction Complete
SqFt Source: An Appraiser
Lot Dimensions: 109x154x118x108
New Construction: Yes
Garage Y/N: Yes
Garage Spaces: 4
Driveway Spaces: 4
Pool: Yes
Pool Type: Private
Sub-Type: Detached Single Family
Bedrooms: 6
Full Baths: 4
Total Baths: 4
Year Built: 2002
Remarks & Misc
Remarks: SELLER OFFERING $20,000 CREDIT TOWARDS INTEREST RATE BUY DOWN OR A GOLF CART! Welcome to your ultimate beach retreat on the highly sought-after west end of Panama City Beach! This fully remodeled 6-bedroom, 4-bath coastal stunner delivers the perfect blend of luxury, entertainment, and Gulf-side living. Enjoy beautiful views of the Gulf along with private beach access, giving you the beachfront lifestyle everyone dreams of. Step into a home that feels welcoming with high-end finishes, designer touches, upgraded LED lighting, and a thoughtful layout that makes every space shine. The home comes fully furnished, offering a true turnkey opportunity whether you plan to use it as a primary residence, second home, or high-performing investment property.
Outside, the fun really begins. The expansive outdoor area is built for entertaining with multiple seating zones, a heated private pool, and vibrant LED lighting that transforms the space into a coastal oasis at night. The property also features a mini-golf area, perfect for guests, kids, and everyone looking to enjoy a little friendly competition.
From the incredible outdoor amenities to the luxurious interior updates, this home offers an unmatched experience on Front Beach Road. If you’re searching for a Gulf-view property that truly has it all, this is the one.
Information contained within this listing such as lot dimensions, is deemed to be accurate but is not guaranteed. Buyer to verify.
Balcony
Second: 1
Covered Porch
First: 1
Dining Room
First: 1
Garage
First: 1
Master Bathroom
Second: 1
Pool Features
Inground: 1
Sitting Room
First: 1
Appliances
Dishwasher: 1
Disposal: 1
Dryer: 1
Microwave: 1
Refrigerator: 1
Washer: 1
Interior Features
Ceiling – Crwn Molding: 1
Fireplace: 1
Floor – Hardwood: 1
Floor – Tile: 1
Pull Down Stairs: 1
Split Bedroom: 1
Window – Treatment All: 1
Construction/Siding
Block: 1
Roof – Metal: 1
Siding – Vinyl: 1
Siding – Wood: 1
Exterior
Balcony: 1
Columns: 1
Fenced Lot-All: 1
Hurricane Shutters: 1
Patio Open: 1
Porch Open: 1
Sprinkler System: 1
Financing
Cash: 1
Conventional: 1
Other: 1
Furnished
Furnished: 1
Interior
Ceiling – Tray: 1
Kitchen
First: 1
Lot Features
Corner Lot: 1
Covenants & Rescrictions: 1
Deeded Access: 1
Near Beach Access: 1
Within 1/2 Mile to Water: 1
Lot Access
Paved Road: 1
Mstr Bath / Mstr Bdrm
MBath Double Vanity: 1
MBath Separate Shwr: 1
MBath Walk-In Closet: 1
MBed Balcony: 1
MBed Sitting Area: 1
Rooms
Balcony: 1
Bedroom: 1
Covered Porch: 1
Dining Room: 1
Full Bathroom: 1
Garage: 1
Kitchen: 1
Master Bathroom: 1
Master Bedroom: 1
Sitting Room: 1
Utilities
TV Cable: 1
Electricity – Connected: 1
Phone – Connected: 1
Private Well: 1
Public Water – Connected: 1
Septic Tank: 1
Waterview
Gulf: 1
Full Bathroom
First: 1
Second: 1
Master Bedroom
Second: 1
Bedroom
First: 1
Second: 1
Cooling
Ceiling Fan(s): 1
Electric: 1
Heat Pump: 1
Window Unit(s): 1
Heating
Central: 1
Electric: 1
Property Features
Appliances: Dishwasher; Disposal; Dryer; Microwave; Refrigerator; Washer
Full Bathroom: First; Second
Master Bedroom: Second
Bedroom: First; Second
Cooling: Ceiling Fan(s); Electric; Heat Pump; Window Unit(s)
Heating: Central; Electric
Exterior: Balcony; Columns; Fenced Lot-All; Hurricane Shutters; Patio Open; Porch Open; Sprinkler System
Financing: Cash; Conventional; Other
Furnished: Furnished
Interior: Ceiling – Tray
Kitchen: First
Lot Features: Corner Lot; Covenants & Rescrictions; Deeded Access; Near Beach Access; Within 1/2 Mile to Water
Lot Access: Paved Road
Balcony: Second
Master Bathroom: Second
Covered Porch: First
Dining Room: First
Garage: First
Pool Features: Inground
Sitting Room: First
Rooms: Balcony; Bedroom; Covered Porch; Dining Room; Full Bathroom; Garage; Kitchen; Master Bathroom; Master Bedroom; Sitting Room
Utilities: TV Cable; Electricity – Connected; Phone – Connected; Private Well; Public Water – Connected; Septic Tank
Waterview: Gulf
Room Information
Kitchen
Level: First
Dimensions: 27 x 10
Length: 27.00
Width: 10.00
Dimensions: 27 x 10
Remarks: Eat-in Kitchen
Master Bedroom
Level: Second
Dimensions: 17 x 15
Length: 17.00
Width: 15.00
Dimensions: 17 x 15
Master Bathroom
Level: Second
Dimensions: 13 x 11
Length: 13.00
Width: 11.00
Dimensions: 13 x 11
Bedroom
Level: Second
Dimensions: 14 x 11
Length: 14.00
Width: 11.00
Dimensions: 14 x 11
Full Bathroom
Level: Second
Dimensions: 8 x 5
Length: 8.00
Width: 5.00
Dimensions: 8 x 5
Bedroom
Level: First
Dimensions: 11 x 11
Length: 11.00
Width: 11.00
Dimensions: 11 x 11
Dining Room
Level: First
Dimensions: 25 x 14
Length: 25.00
Width: 14.00
Dimensions: 25 x 14
Remarks: Dining/Living Combo
Bedroom
Level: First
Dimensions: 12 x 12
Length: 12.00
Width: 12.00
Dimensions: 12 x 12
Full Bathroom
Level: First
Dimensions: 10 x 6
Length: 10.00
Width: 6.00
Dimensions: 10 x 6
Full Bathroom
Level: First
Dimensions: 12 x 6
Length: 12.00
Width: 6.00
Dimensions: 12 x 6
Balcony
Level: Second
Dimensions: 38 x 13
Length: 38.00
Width: 13.00
Dimensions: 38 x 13
Covered Porch
Level: First
Dimensions: 38 x 13
Length: 38.00
Width: 13.00
Dimensions: 38 x 13
Garage
Level: First
Dimensions: 35 x 24
Length: 35.00
Width: 24.00
Dimensions: 35 x 24
Sitting Room
Level: First
Dimensions: 15 x 12
Length: 15.00
Width: 12.00
Dimensions: 15 x 12
Listing Office:
Rosemary Beach Realty, LLC
Last Updated: February – 21 – 2026
Information deemed reliable but not guaranteed.