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$415,000

  • For Sale
  • Active
  • Condo
  • 2 Beds
  • 2 Full Baths
  • Updated 13 days ago
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Gorgeous East / West Gulf Views! Fully Furnished Gulf Front Condo located at Sterling Reef in Panama City Beach. This condo features 2 Beds / 2 Baths. The Main Suite sits Gulf Front with Direct Balcony Access. ***NEW HVAC INSTALLED OCTOBER 24, 2025*** The unit was just freshly painted. Enjoy your morning coffee or happy hour cocktail from your expansive balcony overlooking the beautiful waters of the Emerald Coast. Sterling Reef is packed full of amenities such as an Outdoor Pool, Fitness Center, Outdoor Grills and more. The County Pier is located next door and Shipwreck Island Waterpark is just across the street. Pier Park, offering dining, shopping, and entertainment, is situated merely 3.5 miles west. The Northwest Florida Beaches International Airport is located just 17 miles away. All measurements are approximate, if important, please measure. Schedule your showing today! The HOA fee is $977.00 / Monthly.

Full Property Details for 12011 Front Beach Rd #404

General

  • Price: $415,000
  • Taxes: $5,465 (2024)
  • Status: Active
  • Type: Condo
  • Source: Bay_County
  • MLS ID: 771137
  • Updated: 1/4/2026
  • Added to Site: 53 day(s) ago

Interior

  • Number of Rooms: 2
  • Appliances: Washer/Dryer Stacked, Electric Oven, Electric Water Heater
  • Flooring: Luxury Vinyl Plank

Rooms

Bathrooms

  • Total Bathrooms: 2
  • Full Bathrooms: 2

Bedrooms

  • Total Bedrooms: 2

Other Rooms

  • Laundry: Stacked

Additional Information

  • Shared Amenities: Beach Rights, Barbecue
  • Pool: Yes
  • Pool Description: Electric Heat, In Ground, Community

Exterior

  • Porch/Patio/Deck: Balcony

Parking

  • Garage: Yes
  • Garage Spaces: 2

Location

  • County: Bay
  • Subdivision: Sterling Reef
  • Driving Directions: Take 98 East to Alf Coleman. Right on Alf Coleman to Front Beach Rd. Make a Left on Front Beach Rd. Sterling Reef will be on the Right.

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: Electricity Available

Structural Information

  • Architectural Style: High Rise
  • Elevator: Yes
  • Sq. Ft. Source: Appraiser
  • Year Built: 2005
  • Other Struct. Feat.: Dumpster

Lot Features

  • Property View: Gulf
  • Lot Dimensions: 0 x 0
  • Frontage: City Street

Water Features

  • Water Front: Yes
  • Water View: Yes
  • Water Front Desc.: Shoreline - Sand
  • Water Front View: Shoreline - Sand

Financial Considerations

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

Disclosures and Reports

  • Special Conditions: Listed As-Is
  • Legal Description: STERLING REEF UNIT 404 TYPE B ORB 2578 P 120 ''ARUBA'' 2BD/2BTH ORB 4305 P 1050 1076 SQ.FT.=H&C . 184 SQ.FT.=BALC
  • Property ID: 34809-610-025

Listed by Keller Williams Success Realty

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— 12011 Front Beach Rd #404 —

  • Keller Williams Success Realty

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 #404

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 #404 Get Price Alerts and Save Property

Date
Details
Price
Change
Source
12/30/2025
Price Reduced
$415,000
-0.95%
MLS
10/19/2025
Price Reduced
$419,000
-3.68%
MLS
10/05/2025
Price Reduced
$435,000
-5.41%
MLS
3/30/2025
Listed
$459,900
—
MLS
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 #404

Year
Property Taxes
Change
Tax Assessment
Change
2024
100%
$2
—
2023
100%
$2
—
2022
100%
$2
—
2021
100%
$2
—
2020
—
$2
—
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 #404

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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 Success Realty

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12011 Front Beach Road #404, Panama City Beach, FL 32407 (MLS# 771137) is a Condo property with 2 bedrooms and 2 full bathrooms. 12011 Front Beach Road #404 is currently listed for $415,000 and was received on November 25, 2025. Want to learn more about 12011 Front Beach Road #404? 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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