21523 Front Beach Road, Panama City Beach, FL 32413 (MLS# 794502)

21523 Front Beach Road, Panama City Beach, FL 32413

New Listing

$5,700,000

Gulf Front | 3 Units | 10 Minutes to 30A

Dining Room | Kitchen | Living Area | Gulf Views

Bedroom 1 Bathroom | Single Vanity | Walk-in Shower

Bedroom 2 Bathroom | Single Vanity | Shower With Tub

Bedroom 4 Bathroom | 2 Vanities | Walk-in Shower

Patio | Pool Deck | Pool & Spa Combo | Fenced | Beach Access

21523 FBR Balcony View to Beach 2nd Floo

Property Type: Residential Bedrooms: 12 Baths: 16 Square Footage: 7,914 Lot Size (sq. ft.): 4,008 Status: Active

Current Price: $5,700,000 List Date: 8/24/2026 Last Modified: 8/24/2026

Overview

Description

The opportunity you've been waiting for has arrived. This extraordinary Gulf-front property on the desirable West End of Panama City Beach offers a rare combination of substantial construction, direct beach access, luxury coastal living, and proven income-producing potential, all just a short drive from iconic 30A no HOA restrictions! Built with longevity in mind, this impressive beachfront building features concrete construction, metal studs, a tile roof, and stucco exterior, providing a level of stability and quality that sets it apart from typical coastal properties. The building consists of three individual income-producing residences, each offering approximately 2,500 square feet with 4 bedrooms and 4.5 bathrooms. One private residence occupies each of the second, third, and fourth floors, creating an exceptional opportunity to own an entire Gulf-front building with three separate luxury rental units and multiple income streams. Each residence features two oversized Gulf … (Read more) The opportunity you’ve been waiting for has arrived. This extraordinary Gulf-front property on the desirable West End of Panama City Beach offers a rare combination of substantial construction, direct beach access, luxury coastal living, and proven income-producing potential, all just a short drive from iconic 30A no HOA restrictions! Built with longevity in mind, this impressive beachfront building features concrete construction, metal studs, a tile roof, and stucco exterior, providing a level of stability and quality that sets it apart from typical coastal properties. The building consists of three individual income-producing residences, each offering approximately 2,500 square feet with 4 bedrooms and 4.5 bathrooms. One private residence occupies each of the second, third, and fourth floors, creating an exceptional opportunity to own an entire Gulf-front building with three separate luxury rental units and multiple income streams. Each residence features two oversized Gulf-front balconies with panoramic views of the emerald waters, sugar-white sand, and unforgettable sunsets. Walls of glass fill the interiors with natural light while showcasing uninterrupted Gulf views throughout the living spaces. Inside, each residence is thoughtfully designed for both luxury and functionality. Gourmet kitchens feature custom wood cabinetry, extensive granite countertops, premium stainless-steel appliances, generous preparation space, and elegant wet bars with dedicated wine storage. The outdoor amenities make this property equally impressive. A large, covered entertainment area provides plenty of space for guests to gather and relax while enjoying the private pool and hot tub. From there, private beach access leads directly to the Gulf of America, creating the complete beachfront experience for owners and rental guests alike. Whether you’re looking for a high-quality Gulf-front investment with three individual income-producing residences, a multi-generational coastal retreat, or the rare opportunity to own an entire beachfront building, this property delivers. With its concrete construction, metal studs, direct Gulf frontage, resort-style amenities, West End Panama City Beach location, and convenient access to 30A, opportunities like this are exceptionally difficult to find.

Listing Details MLS# 794502

Contract Info

List Price/SqFt: 720.24

Location

Area: 03 – Bay County – Beach
Street #: 21523
Street Name: Front Beach
Street Suffix: Road
State: FL
Zip Code: 32413
County: Bay
Sub Area: 0325 – Beach – West South
Subdivision: Riviera Beach
Community/Resort: Riviera Beach
Waterfront: Yes
Gulf Access: Yes
Parcel ID: 35412-010-000
Elementary School: West Bay
Middle School: Surfside
High School: Arnold
Directions: From Panama City Beach Parkway (Hwy 98), turn South onto Front Beach Road. Continue West on FBR to 21523 FBR. Property will be on the South Side of Front Beach Road.
Legal Description: RIVIERA BEACH MAP-13B4 LOT 1 LESS 5' ESMT ON E SIDE ORB 4798 P 1002

General Property Info

Sub-Type: Multi Family
Design: N/A
Apx SqFt(Htd/Cooled): 7914
SqFt Source: Prop App Site
Full Baths: 12
Half Baths: 4
Total Baths: 16
Accessory Dwelling Unit: No
Year Built: 2007
Construction Status: Construction Complete
New Construction: No
Garage Y/N: No
Covered Spaces: 2
Driveway Spaces: 6
Assigned Spaces: 6
Lot Dimensions: 30.0 ft x 135.0 ft
Acreage: 0.09
Lot Size (SqFt): 4008
Pool: Yes
Pool Type: Private

Listing Info, Tax and Legal

HOA Fee: No
New Buyer Fee: No
Last Taxes: 37447
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: Yes

Remarks & Misc

Remarks: The opportunity you've been waiting for has arrived. This extraordinary Gulf-front property on the desirable West End of Panama City Beach offers a rare combination of substantial construction, direct beach access, luxury coastal living, and proven income-producing potential, all just a short drive from iconic 30A no HOA restrictions! Built with longevity in mind, this impressive beachfront building features concrete construction, metal studs, a tile roof, and stucco exterior, providing a level of stability and quality that sets it apart from typical coastal properties. The building consists of three individual income-producing residences, each offering approximately 2,500 square feet with 4 bedrooms and 4.5 bathrooms. One private residence occupies each of the second, third, and fourth floors, creating an exceptional opportunity to own an entire Gulf-front building with three separate luxury rental units and multiple income streams. Each residence features two oversized Gulf-front balconies with panoramic views of the emerald waters, sugar-white sand, and unforgettable sunsets. Walls of glass fill the interiors with natural light while showcasing uninterrupted Gulf views throughout the living spaces. Inside, each residence is thoughtfully designed for both luxury and functionality. Gourmet kitchens feature custom wood cabinetry, extensive granite countertops, premium stainless-steel appliances, generous preparation space, and elegant wet bars with dedicated wine storage. The outdoor amenities make this property equally impressive. A large, covered entertainment area provides plenty of space for guests to gather and relax while enjoying the private pool and hot tub. From there, private beach access leads directly to the Gulf of America, creating the complete beachfront experience for owners and rental guests alike. Whether you're looking for a high-quality Gulf-front investment with three individual income-producing residences, a multi-generational coastal retreat, or the rare opportunity to own an entire beachfront building, this property delivers. With its concrete construction, metal studs, direct Gulf frontage, resort-style amenities, West End Panama City Beach location, and convenient access to 30A, opportunities like this are exceptionally difficult to find.

Balcony

First: Yes

More Information

Dining Room

First: Yes

Laundry

First: Yes

Pool Features

Fenced: Yes
Inground: Yes
Spa/ Hot Tub: Yes

Appliances

Bar Fridge: Yes
Cooktop – Electric: Yes
Dishwasher: Yes
Disposal: Yes
Dryer: Yes
Microwave: Yes
Oven – Electric: Yes
Range Hood: Yes
Refrigerator: Yes
Washer: Yes
Water Heater – Electric: Yes

Interior Features

Breakfast Bar: Yes
Ceiling – Raised: Yes
Elevator: Yes
Floor – Tile: Yes
Kitchen Island: Yes
Lighting – Recessed: Yes
Lock Out Closet: Yes
Wet Bar: Yes
Window – Treatment All: Yes

Construction/Siding

Concrete: Yes
Steel/Frame: Yes
Roof – Tile/Slate: Yes
Siding – Stucco: Yes

Exterior

Balcony: Yes
Fenced Back Yard: Yes
Shower: Yes

Waterfront Feature

Shore – Beach: Yes

Financing

Cash: Yes
Conventional: Yes

Furnished

Furnished: Yes

Kitchen

First: Yes

Living Room

First: Yes

Lot Features

Waterfront: Yes

Lot Access

City Street: Yes

Parking Features

Carport Attached: Yes
Driveway: Yes

Present Zoning

Resid Multi-Family: Yes

Association Amenities

Elevators: Yes
Pool: Yes
Waterfront: Yes

Rooms

Balcony: Yes
Bedroom: Yes
Dining Room: Yes
Full Bathroom: Yes
Kitchen: Yes
Laundry: Yes
Living Room: Yes
Primary Bedroom: Yes

Utilities

TV Cable: Yes
Electricity – Connected: Yes
Public Sewer – Connected: Yes
Public Water – Connected: Yes

Waterview

Gulf: Yes
Unobstructed: Yes

Sale Type

As Is: Yes

Full Bathroom

First: Yes

Waterfront Type

Gulf: Yes

Primary Bedroom

First: Yes

Bedroom

First: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes
Separate Meters: Yes

Heating

Central: Yes
Electric: Yes

Primary Bdrm/Primary Bath

MBath Separate Shwr: Yes
MBath Tub – Jetted: Yes
MBath Walk-In Closet: Yes
MBed Balcony: Yes
MBed First Floor: Yes
MBed Sitting Area: Yes
MBed Waterfront: Yes

Security Features

Fire Alarm: Yes
Fire Sprinkler System: Yes

Property Features

Appliances: Bar Fridge; Cooktop – Electric; Dishwasher; Disposal; Dryer; Microwave; Oven – Electric; Range Hood; Refrigerator; Washer; Water Heater – Electric Full Bathroom: First Primary Bedroom: First Bedroom: First Cooling: Ceiling Fan(s); Central Air; Separate Meters Heating: Central; Electric Exterior: Balcony; Fenced Back Yard; Shower Financing: Cash; Conventional Furnished: Furnished Kitchen: First Living Room: First Lot Features: Waterfront Lot Access: City Street Balcony: First Dining Room: First Laundry: First Pool Features: Fenced; Inground; Spa/ Hot Tub Security Features: Fire Alarm; Fire Sprinkler System Parking Features: Carport Attached; Driveway Association Amenities: Elevators; Pool; Waterfront Rooms: Balcony; Bedroom; Dining Room; Full Bathroom; Kitchen; Laundry; Living Room; Primary Bedroom Sale Type: As Is Utilities: TV Cable; Electricity – Connected; Public Sewer – Connected; Public Water – Connected Waterfront Type: Gulf Waterfront Feature: Shore – Beach Waterview: Gulf; Unobstructed Present Zoning: Resid Multi-Family

Room Information

Room Name	Level	Dimensions	Length	Width	Remarks
Living Room	First	0 x 0	0.00	0.00	Buyer to Measure
Dining Room	First	0 x 0	0.00	0.00	Buyer to Measure
Balcony	First	0 x 0	0.00	0.00	Buyer to Measure
Kitchen	First	0 x 0	0.00	0.00	Buyer to Measure
Primary Bedroom	First	13 x 12	13.00	12.00	King Bed
Bedroom	First	12 x 11	12.00	11.00	Queen Room
Primary Bedroom	First	17 x 13	17.00	13.00	Gulf Front w/Balcony – King
Bedroom	First	15 x 12	15.00	12.00	King Bed
Laundry	First	0 x 0	0.00	0.00	Buyer to Measure
Dining Room	First	0 x 0	0.00	0.00	Buyer to Measure
Full Bathroom	First	0 x 0	0.00	0.00	Buyer to Measure
Full Bathroom	First	0 x 0	0.00	0.00	Buyer to Measure

Listing Office: Found Real Estate Company

Last Updated: August – 24 – 2026

Information deemed reliable but not guaranteed.