8700 Front Beach Road 4104, Panama City Beach, FL 32407

New Listing
$299,000
Property Type: Residential Bedrooms: 3 Baths: 3 Square Footage: 1,761 Status: Active
Current Price: $299,000 List Date: 9/29/2026 Last Modified: 9/29/2026

Overview

Description

Welcome to resort-style living at Island Reserve! This spacious ground-floor 3-bedroom, 2.5-bath condominium offers approximately 1,761 square feet and an opportunity to make this home your own. Being offered as a VA foreclosure, this property is ready for a new owner to bring their personal touches and vision. Island Reserve is a beautifully maintained gated community in the heart of Panama City Beach, known for its tropical, resort-style atmosphere. Enjoy palm-tree-lined walkways and lush landscaping throughout the community, along with an impressive lagoon-style zero-entry pool featuring a rock waterfall. Community amenities also include a fitness center, indoor basketball and pickleball, game room, media/theater room, hot tub and covered parking garage. The ground-floor location provides convenient access without the need to depend on elevators and makes coming and going a breeze. Centrally located along Front Beach Road with convenient access to the beautiful white-sand beac …

Listing Details MLS# 796024

Contract Info

List Price/SqFt
169.79

Location

Area
03 – Bay County – Beach
Street #
8700
Street Name
Front Beach
Street Suffix
Road
Unit #
4104
State
FL
Zip Code
32407
County
Bay
Sub Area
0320 – Beach – Middle Central
Subdivision
[No Recorded Subdiv]
Community/Resort
None
Waterfront
No
Parcel ID
40001-100-107
Elementary School
Breakfast Point
Middle School
Breakfast Point
High School
Arnold
Directions
Front beach and Laurie Avenue, turn into Island Reserve Community. Continue around to the left and enter the parking garage on the left hand side. Unit is on the ground floor.
Legal Description
ISLAND RESERVE 31 3S 15W TYPE D-D BLDG 4 UNIT 4104 MAP 57C4 3BR 2.5B 1761 H&C ORB 3018 P 563 275 BALC ORB 4114 P 455

General Property Info

Sub-Type
Attached Single Unit
Design
Contemporary
Apx SqFt(Htd/Cooled)
1761
SqFt Source
Prop App Site
Full Baths
2
Half Baths
Yes
Total Baths
3
Accessory Dwelling Unit
No
Year Built
2009
Construction Status
Construction Complete
New Construction
No
Garage Y/N
No
Lot Dimensions
0x0
Pool
No

Listing Info, Tax and Legal

HOA Fee
Yes
HOA Amount
2586.24
HOA Frequency
Quarterly
HOA Annual Amount
10344.96
New Buyer Fee
Yes
Last Tax Year
2025
Brokerage Interest
No Interest

Remarks & Misc

Remarks
Welcome to resort-style living at Island Reserve! This spacious ground-floor 3-bedroom, 2.5-bath condominium offers approximately 1,761 square feet and an opportunity to make this home your own. Being offered as a VA foreclosure, this property is ready for a new owner to bring their personal touches and vision. Island Reserve is a beautifully maintained gated community in the heart of Panama City Beach, known for its tropical, resort-style atmosphere. Enjoy palm-tree-lined walkways and lush landscaping throughout the community, along with an impressive lagoon-style zero-entry pool featuring a rock waterfall. Community amenities also include a fitness center, indoor basketball and pickleball, game room, media/theater room, hot tub and covered parking garage. The ground-floor location provides convenient access without the need to depend on elevators and makes coming and going a breeze. Centrally located along Front Beach Road with convenient access to the beautiful white-sand beaches of the Gulf of Mexico, shopping, dining, entertainment, golf and everything Panama City Beach has to offer. Whether you're looking for a primary residence or a second home at the beach, this spacious Island Reserve condo offers tremendous potential. Bring your ideas and make Unit 4104 your own piece of paradise in Panama City Beach! VA FORECLOSURE — property is being sold AS-IS. Buyer to verify all measurements, information and community restrictions if important.

Dining Room

First
Yes

More Information

Other

First
Yes

Association Fees Include

Accounting
Yes
Business Center
Yes
Conference Center
Yes
Exercise Room
Yes
Game Room
Yes
Ground Keeping
Yes
Legal
Yes
Management
Yes
Pool
Yes
Recreational Faclty
Yes
Security
Yes
TV Cable
Yes

Furnished

Unfurnished
Yes

Kitchen

First
Yes

Living Room

First
Yes

Rooms

Bedroom
Yes
Dining Room
Yes
Kitchen
Yes
Living Room
Yes
Other
Yes

Showing

ShowingTime
Yes

Utilities

Cable – Available
Yes
Electricity – Availabile
Yes
Sewer Available
Yes
Public Water – Available
Yes

Bedroom

First
Yes

Property Features

Bedroom: First Association Fees Include: Accounting; Business Center; TV Cable; Exercise Room; Game Room; Legal; Ground Keeping; Management; Conference Center; Pool; Recreational Faclty; Security Furnished: Unfurnished Kitchen: First Living Room: First Dining Room: First Other: First Rooms: Bedroom; Dining Room; Kitchen; Living Room; Other Showing: ShowingTime Utilities: Cable – Available; Electricity – Availabile; Sewer Available; Public Water – Available

Room Information

Room Name Level Dimensions Length Width Remarks
Bedroom First 16 x 12 16.00 12.00
Bedroom First 14 x 10 14.00 10.00
Bedroom First 14 x 10 14.00 10.00
Living Room First 18 x 17 18.00 17.00
Kitchen First 14 x 12 14.00 12.00
Dining Room First 10 x 6 10.00 6.00
Other First 28 x 14 28.00 14.00 porch
Listing Office: Five Star Realty Group, LLC
Last Updated: September – 29 – 2026
Information deemed reliable but not guaranteed.