20816 Front Beach Road, Panama City Beach, FL 32413 (MLS# 782793)

20816 Front Beach Road, Panama City Beach, FL 32413

$2,500,000

20816 Front Beach Road, Panama City Beach, FL 32413

Property Type: Residential Bedrooms: 6 Baths: 4 Square Footage: 2,808 Lot Size (sq. ft.): 14,810 Status: Active

Current Price: $2,500,000 List Date: 12/18/2025 Last Modified: 3/29/2026

Overview

Description

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 enjo … (Read more)

Listing Details MLS# 782793

Contract Info

List Price/SqFt: 890.31

Location

Area: 03 – Bay County – Beach
Street #: 20816
Street Name: Front Beach
Street Suffix: Road
State: FL
Zip Code: 32413
County: Bay
Sub Area: 0324 – Beach – West Central
Subdivision: Santa Monica Beach
Community/Resort: None
Waterfront: No
Parcel ID: 37194-000-000
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.
Legal Description: SANTA MONICA BEACH LOT 1 BLK 3 ORB 4705 P 1157

General Property Info

Sub-Type: Detached Single Family
Design: Beach House
Apx SqFt(Htd/Cooled): 2808
SqFt Source: An Appraiser
Full Baths: 4
Total Baths: 4
Year Built: 2002
Construction Status: Construction Complete
New Construction: Yes
Garage Y/N: Yes
Garage Spaces: 4
Driveway Spaces: 4
Lot Dimensions: 109x154x118x108
Acreage: 0.34
Lot Size (SqFt): 14810
Pool: Yes
Pool Type: Private

Listing Info, Tax and Legal

HOA Fee: No
New Buyer Fee: No
Last Taxes: 21119
Last Tax Year: 2024
Brokerage Interest: No Interest

Remarks & Misc

Remarks: 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: Yes

More Information

Covered Porch

First: Yes

Dining Room

First: Yes

Garage

First: Yes

Master Bathroom

Second: Yes

Pool Features

Inground: Yes

Sitting Room

First: Yes

Appliances

Dishwasher: Yes
Disposal: Yes
Dryer: Yes
Microwave: Yes
Refrigerator: Yes
Washer: Yes

Interior Features

Ceiling – Crwn Molding: Yes
Fireplace: Yes
Floor – Hardwood: Yes
Floor – Tile: Yes
Pull Down Stairs: Yes
Split Bedroom: Yes
Window – Treatment All: Yes

Construction/Siding

Block: Yes
Roof – Metal: Yes
Siding – Vinyl: Yes
Siding – Wood: Yes

Exterior

Balcony: Yes
Columns: Yes
Fenced Lot-All: Yes
Hurricane Shutters: Yes
Patio Open: Yes
Porch Open: Yes
Sprinkler System: Yes

Financing

Cash: Yes
Conventional: Yes
Other: Yes

Furnished

Furnished: Yes

Interior

Ceiling – Tray: Yes

Kitchen

First: Yes

Lot Features

Corner Lot: Yes
Covenants & Rescrictions: Yes
Deeded Access: Yes
Near Beach Access: Yes
Within 1/2 Mile to Water: Yes

Lot Access

Paved Road: Yes

Mstr Bath / Mstr Bdrm

MBath Double Vanity: Yes
MBath Separate Shwr: Yes
MBath Walk-In Closet: Yes
MBed Balcony: Yes
MBed Sitting Area: Yes

Rooms

Balcony: Yes
Bedroom: Yes
Covered Porch: Yes
Dining Room: Yes
Full Bathroom: Yes
Garage: Yes
Kitchen: Yes
Master Bathroom: Yes
Master Bedroom: Yes
Sitting Room: Yes

Utilities

TV Cable: Yes
Electricity – Connected: Yes
Phone – Connected: Yes
Private Well: Yes
Public Water – Connected: Yes
Septic Tank: Yes

Waterview

Gulf: Yes

Full Bathroom

First: Yes
Second: Yes

Master Bedroom

Second: Yes

Bedroom

First: Yes
Second: Yes

Cooling

Ceiling Fan(s): Yes
Electric: Yes
Heat Pump: Yes
Window Unit(s): Yes

Heating

Central: Yes
Electric: Yes

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

Room Name	Level	Dimensions	Length	Width	Remarks
Kitchen	First	27 x 10	27.00	10.00	Eat-in Kitchen
Master Bedroom	Second	17 x 15	17.00	15.00
Master Bathroom	Second	13 x 11	13.00	11.00
Bedroom	Second	14 x 11	14.00	11.00
Full Bathroom	Second	8 x 5	8.00	5.00
Bedroom	First	11 x 11	11.00	11.00
Dining Room	First	25 x 14	25.00	14.00	Dining/Living Combo
Bedroom	First	12 x 12	12.00	12.00
Full Bathroom	First	10 x 6	10.00	6.00
Full Bathroom	First	12 x 6	12.00	6.00
Balcony	Second	38 x 13	38.00	13.00
Covered Porch	First	38 x 13	38.00	13.00
Garage	First	35 x 24	35.00	24.00
Sitting Room	First	15 x 12	15.00	12.00

Listing Office: Rosemary Beach Realty, LLC

Last Updated: March – 29 – 2026

Information deemed reliable but not guaranteed.