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$450,000

  • For Sale
  • Active
  • Condo
  • 2 Beds
  • 2 Full Baths
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Step into paradise with this beautifully appointed 2BR/2BA Gulf-front condo that's turnkey & rental-ready! Located on the highly sought-after first living level, Unit 103B offers breathtaking, unobstructed views of the Gulf from an oversized private balcony...perfect for morning coffee, sunset cocktails, or just soaking in the sea breeze. Inside, you'll love the open layout featuring tile flooring throughout, a fully equipped kitchen with granite countertops & breakfast bar, and a stylish tiled island ideal for entertaining or casual dining. Both bedrooms are spacious and inviting, with plenty of natural light and coastal charm. Whether you're looking for a lucrative investment property, a personal beach escape, or a blend of both, this unit checks all the boxes. Sterling Reef offers fantastic amenities to include, heated pool with waterfall, well-equipped fitness center, a game room, direct beach access, and a location that's near everything from shopping to dining, and entertainment. Don't miss this opportunity to own a piece of the Emerald Coast! Schedule your private showing today, your beachfront dream awaits.

Full Property Details for 12011 Front Beach Rd #103B

General

  • Price: $450,000
  • Taxes: $5,465 (2024)
  • Status: Active
  • Type: Condo
  • Source: Bay_County
  • MLS ID: 773756
  • Updated: 12/10/2025
  • Added to Site: 243 day(s) ago

Interior

  • Number of Rooms: 6
  • Appliances: Washer/Dryer Stacked, Electric Cooktop, Electric Oven, Electric Water Heater

Rooms

Bathrooms

  • Total Bathrooms: 2
  • Full Bathrooms: 2

Bedrooms

  • Total Bedrooms: 2

Other Rooms

  • Laundry: Stacked

Additional Information

  • Shared Amenities: Beach Rights, Barbecue, Picnic Area
  • Pool: Yes
  • Pool Description: Gas Heat, In Ground, Community
  • Security/Safety: Smoke Detector(s)

Exterior

  • Porch/Patio/Deck: Balcony

Parking

  • Garage: Yes

Location

  • County: Bay
  • Subdivision: Sterling Reef
  • Driving Directions: Three miles east of Hwy.79 on the corner of Alf Coleman and Front Beach Road

School Information

  • Elementary School: Hutchison Beach
  • Middle School: Surfside
  • High School: Arnold

Community

  • Community Name: 03 - Bay County - Beach
  • Association: Yes

Heating & Cooling

  • Central air: Yes
  • Air Conditioning: Yes
  • Cooling Type: Central Air, Ceiling Fan(s)
  • Heating Type: Central, Electric

Utilities

  • Sewer: Public Sewer
  • Utility Description: Cable Connected, Electricity Available

Structural Information

  • Architectural Style: High Rise
  • Elevator: Yes
  • Stories/Levels: 22
  • Sq. Ft. Source: Appraiser
  • Year Built: 2005

Lot Features

  • Property View: Gulf
  • Lot Dimensions: Condo
  • Frontage: City Street
  • Lot Features: Paved
  • Zoning: Resid Multi-Family

Water Features

  • Water Front: Yes
  • Water View: Yes

Financial Considerations

  • Tax Amount: $5,465
  • Tax Year: 2024

Disclosures and Reports

  • Special Conditions: Listed As-Is
  • Legal Description: STERLING REEF UNIT 103 TYPE B ORB 2578 P 120 ''ARUBA'' 2BD/2BTH ORB 3576 P 749 1076 SQ.FT.=H&C . 474 SQ.FT.=BALC
  • Property ID: 34809-610-003

Listed by Keller Williams Realty Emerald

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— 12011 Front Beach Rd #103B —

  • Keller Williams Realty Emerald

Get Pre-Approved Today

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Schools serving 12011 Front Beach Rd #103B

School District:Bay County School District
NameGradesDistance
Hutchison Beach Elementary School
12900 Middle Beach Rd, Panama City, FL 32407
K-50.9 mi
Surfside Middle School
300 Nautilus Street, Panama City Beach, FL 32413
6-82 mi
J.R. Arnold High School
550 North Alf Coleman Road, Panama City Beach, FL 32407
9-121.5 mi
Disclaimer: School attendance boundaries provided by Pitney Bowes and are for reference only. Contact the school directly to verify enrollment eligibility.

Price & Sales History for 12011 Front Beach Rd #103B Get Price Alerts and Save Property

Date
Details
Price
Change
Source
12/10/2025
Price Reduced
$450,000
-8.16%
MLS
7/03/2025
Price Reduced
$490,000
-1.01%
MLS
5/20/2025
Listed
$495,000
106.34%
MLS
12/06/2013
Sold
$239,900
—
Public Record
Get Price Alerts and Save Property
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Tax History for 12011 Front Beach Rd #103B

Year
Property Taxes
Change
Tax Assessment
Change
2024
$5,465
5%
$461,975
—
2023
$5,220
43%
$461,975
58%
2021
$3,648
-12%
$293,250
-22%
2022
$4,161
14%
$376,125
36%
2021
$3,648
22%
$276,250
13%
2019
$2,985
8%
$244,989
10%
2018
$2,752
19%
$222,717
10%
2017
$2,312
-2%
$202,470
-1%
2016
$2,369
-1%
$204,000
3%
2015
$2,385
11%
$198,220
10%
2014
$2,158
30%
$180,200
19%
2013
$1,659
—
$151,470
—
View All
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Estimate the Cost for 12011 Front Beach Rd #103B

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*These costs are estimates, and the interest rates assume exceptional credit standing.

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NMLS#: 1598647

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Listed by Keller Williams Realty Emerald

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12011 Front Beach Road #103B, Panama City Beach, FL 32407 (MLS# 773756) is a Condo property with 2 bedrooms and 2 full bathrooms. 12011 Front Beach Road #103B is currently listed for $450,000 and was received on May 20, 2025. Want to learn more about 12011 Front Beach Road #103B? Do you have questions about finding other Condo real estate for sale in Panama City Beach? You can browse all Panama City Beach real estate or contact a Coldwell Banker agent to request more information.

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