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$445,000

  • For Sale
  • Active
  • Condo / Townhouse
  • 2 Beds
  • 2 Full Baths
  • 1,076 Sq. Ft.
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Looking for a 2 bedroom Penthouse?? Experience the coastal lifestyle from the top floor at Sterling Reef PH02! This stunning 19th-floor Gulf-front condo showcases panoramic views of the turquoise Gulf waters and sugar-white sands below. The Gulf-front master suite opens directly to a spacious balcony that also connects to the living area--perfect for soaking in the sunrise or relaxing at sunset.This beautifully furnished 2-bedroom, 2-bath condo comfortably sleeps up to six guests and is turnkey ready with coastal decor throughout. Sterling Reef offers resort-style amenities including two beachfront pools, a fitness center, outdoor grilling and picnic areas, and private beach access.Enjoy peace of mind with recent building upgrades such as modernized elevators and refreshed exterior finishes. Ideally located next to the County Pier, across from Shipwreck Island Waterpark, and just minutes from Pier Park, this penthouse delivers the perfect blend of luxury, location, and lifestyle along Panama City Beach.

Full Property Details for 12011 Front Beach Rd #UNIT 1902B

General

  • Price: $445,000
  • Taxes: $5,465 (2024)
  • Status: Active
  • Type: Condo /Townhouse
  • Source: Emerald_Coast
  • MLS ID: 987237
  • Updated: 12/17/2025
  • Added to Site: 100 day(s) ago

Interior

  • Rooms/Areas: Bedroom, Foyer, Living Room, Master Bedroom
  • Interior Features: Floor Tile, Furnished - All, Kitchen Island

Rooms

Bathrooms

  • Total Bathrooms: 2
  • Full Bathrooms: 2

Bedrooms

  • Total Bedrooms: 2

Other Rooms

  • Foyer/Entry: Foyer
  • Living Room: Living Room

Additional Information

  • Shared Amenities: BBQ Pit/Grill, Beach, Deed Access, Elevators, Exercise Room, Short Term Rental - Allowed, Waterfront
  • Pool: Yes

Exterior

  • Exterior Features: Balcony

Parking

  • Garage: Yes
  • Parking: Covered, Garage Attached

Location

  • Area: 27 - Bay County
  • County: Bay
  • Subdivision: Sterling Reef
  • Driving Directions: Go South toward the beach from Panama City Beach Parkway, the complex sits beachside to the left at the end of ALF COLEMAN RD next to the County Pier. Park anywhere in the parking deck.

School Information

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

Heating & Cooling

  • Heating/Cooling: AC - Central Elect, Ceiling Fans, Heat Cntrl Electric, Water Heater - Elect

Utilities

  • Utility Description: Electric, Public Sewer, Public Water, TV Cable

Structural Information

  • Stories/Levels: 0
  • Square Feet: 1,076
  • Sq. Ft. Source: County PA Records
  • Year Built: 2005

Lot Features

  • Property View: Gulf

Water Features

  • Water Front Type: Gulf

Financial Considerations

  • Assessment Amount: $977
  • Assmt Payment Freq: Monthly
  • Tax Amount: $5,465
  • Tax Year: 2024

Disclosures and Reports

  • Legal Description: STERLING REEF UNIT 1902 TYPE B ORB 2597 P 716 ARUBA 2BD/2BTH ORB 3180 P 2216 1076 SQ.FT.=H&C . 184 SQ.FT.=BALC
  • Assessment: Yes
  • APN: 34809-610-121
Buyer's Brokerage Compensation: Contact Listing Agent
Not binding unless confirmed by separate agreement among applicable parties.

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— 12011 Front Beach Rd #UNIT 1902B —

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with our affiliated lender
NMLS#: 1598647

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Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

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Schools serving 12011 Front Beach Rd #UNIT 1902B

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 #UNIT 1902B Get Price Alerts and Save Property

Date
Details
Price
Change
Source
12/17/2025
Price Reduced
$445,000
-7.1%
MLS
10/09/2025
Listed
$479,000
112.89%
MLS
8/24/2009
Sold
$225,000
—
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 #UNIT 1902B

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
$2,357
2%
$204,000
11%
2015
$2,311
11%
$183,279
10%
2014
$2,091
26%
$166,617
10%
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.

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12011 Front Beach Road #UNIT 1902B, Panama City Beach, FL 32407 (MLS# 987237) is a Condo / Townhouse property with 2 bedrooms and 2 full bathrooms. 12011 Front Beach Road #UNIT 1902B is currently listed for $445,000 and was received on October 09, 2025. This property is listed by Michael Tomlin from our Destin / 30A Office.Want to learn more about 12011 Front Beach Road #UNIT 1902B? Do you have questions about finding other Condo / Townhouse 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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