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$2,580,000

  • For Sale
  • Active
  • Single Family
  • 6 Beds
  • 4 Full Baths
  • 2,808 Sq. Ft.
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SELLER OFFERING $20,000 CREDIT TOWARDS INTEREST RATE BUY DOWN OR A GOLF CART! Welcome to your ultimate beach retreat on the highly sought-after west end of Panama City Beach! This fully remodeled 6-bedroom, 4-bath coastal stunner delivers the perfect blend of luxury, entertainment, and Gulf-side living. Enjoy beautiful views of the Gulf along with private beach access, giving you the beachfront lifestyle everyone dreams of.Step into a home that feels welcoming with high-end finishes, designer touches, upgraded LED lighting, and a thoughtful layout that makes every space shine. The home comes fully furnished, offering a true turnkey opportunity whether you plan to use it as a primary residence, second home, or high-performing investment property. Outside, the fun really begins. The expansive outdoor area is built for entertaining with multiple seating zones, a heated private pool, and vibrant LED lighting that transforms the space into a coastal oasis at night. The property also features a mini-golf area, perfect for guests, kids, and everyone looking to enjoy a little friendly competition. From the incredible outdoor amenities to the luxurious interior updates, this home offers an unmatched experience on Front Beach Road. If you're searching for a Gulf-view property that truly has it all, this is the one. Information contained within this listing such as lot dimensions, is deemed to be accurate but is not guaranteed. Buyer to verify.

Full Property Details for 20816 Front Beach Rd

General

  • Price: $2,580,000
  • Taxes: $21,118 (2024)
  • Status: Active
  • Type: Single Family
  • Source: Emerald_Coast
  • MLS ID: 990262
  • Updated: 2/2/2026
  • Added to Site: 132 day(s) ago

Interior

  • Rooms/Areas: Balcony, Bedroom, Covered Porch, Dining Room, Full Bathroom, Garage, Kitchen, Master Bathroom, Master Bedroom
  • Interior Features: Built-In Bookcases, Fireplace, Floor Hardwood, Floor Tile, Floor WW Carpet, Renovated, Shelving, Wallpaper, Washer/Dryer Hookup, Window Bay, Window Treatment All
  • Appliances: Auto Garage Door Opn, Dishwasher, Disposal, Dryer, Microwave, Oven Self Cleaning, Refrigerator W/IceMk, Smoke Detector, Stove/Oven Gas, Washer

Rooms

Bathrooms

  • Total Bathrooms: 4
  • Full Bathrooms: 4

Bedrooms

  • Total Bedrooms: 6

Other Rooms

  • Kitchen: Kitchen
  • Dining Room: Dining Room
  • Porch: Covered Porch

Additional Information

  • Shared Amenities: BBQ Pit/Grill, Deed Access, Picnic Area, Pool, Separate Storage, Short Term Rental - Allowed, TV Cable, Waterfront
  • Pool: Yes

Exterior

  • Exterior Features: Balcony, Fenced Lot-All, Hurricane Shutters, Patio Open, Pool - Heated, Pool - In-Ground, Renovated, Shower, Sprinkler System
  • Patio/Balcony: Balcony

Parking

  • Garage: Yes
  • Garage Spaces: 2
  • Parking: Garage Attached

Location

  • Area: 27 - Bay County
  • County: Bay
  • Subdivision: Santa Monica Beach
  • Driving Directions: West end of Front Beach: Drive east 2.4 miles on Front Beach Rd and the house is on the left. East End on 98: Turn onto Twin Lakes Dr South, Follow to Front Beach Rd. Turn right and drive 0.2 miles and the house is on the right.

School Information

  • Elementary School: West Bay
  • Middle School: Surfside
  • High School: Arnold

Heating & Cooling

  • Heating/Cooling: AC - 2 or More, AC - Central Elect, Ceiling Fans, Heat - Two or More, Heat Cntrl Gas, Water Heater - Elect

Utilities

  • Utility Description: Electric, Gas - Natural, Phone, Private Well, Septic Tank, Sewer Available, TV Cable

Structural Information

  • Architectural Style: Beach House
  • Construction: Block, Frame, Roof Metal, Roof Pitched, Siding Vinyl, Siding Wood, Slab, Stucco
  • Stories/Levels: 2
  • Square Feet: 2,808
  • Sq. Ft. Source: Agent-Measured
  • Year Built: 2002

Lot Features

  • Property View: Gulf
  • Lot Size (Acres): 0.34
  • Lot Dimensions: 109 x 154 x 118 x 108
  • Street/Road Desc.: Paved Road
  • Lot Features: Corner, Within 1/2 Mile to Water
  • Zoning: County

Financial Considerations

  • Assessment Amount: $240
  • Assmt Payment Freq: Annually
  • Tax Amount: $21,118
  • Tax Year: 2024
  • Terms: Conventional, Other

Disclosures and Reports

  • Legal Description: SANTA MONICA BEACH LOT 1 BLK 3 ORB 4705 P 1157
  • Assessment: Yes
  • APN: 37194-000-000

Listed by Rosemary Beach Realty LLC

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Listing agent

— 20816 Front Beach Rd —

  • Rosemary Beach Realty LLC

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 20816 Front Beach Rd

School District:Bay County School District
NameGradesDistance
West Bay Elementary School
14813 School Dr, Panama City Beach, FL 32413
K-55.8 mi
Surfside Middle School
300 Nautilus Street, Panama City Beach, FL 32413
6-86.2 mi
J.R. Arnold High School
550 North Alf Coleman Road, Panama City Beach, FL 32407
9-128.2 mi
Disclaimer: School attendance boundaries provided by ATTOM Data Solutions and are for reference only. Contact the school directly to verify enrollment eligibility.

Price & Sales History for 20816 Front Beach Rd Get Price Alerts and Save Property

Date
Details
Price
Change
Source
2/02/2026
Price Reduced
$2,580,000
-0.77%
MLS
11/24/2025
Listed
$2,600,000
30%
MLS
6/23/2023
Sold
$2,000,000
—
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 20816 Front Beach Rd

Year
Property Taxes
Change
Tax Assessment
Change
2025
$21,972
4%
$1,787,204
4%
2024
$21,119
20%
$1,715,235
2%
2023
$17,634
39%
$1,689,845
51%
2022
$12,730
5%
$1,117,478
8%
2021
$12,105
—
$1,032,856
16%
2021
$12,105
12%
$891,433
2%
2019
$10,784
2%
$872,013
4%
2018
$10,577
28%
$841,798
11%
2017
$8,239
26%
$755,377
45%
2016
$6,561
10%
$522,307
16%
2015
$5,960
-1%
$448,538
-1%
2014
$6,000
9%
$452,153
-3%
2013
$5,483
—
$466,132
—
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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NMLS#: 1598647

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Listed by Rosemary Beach Realty LLC

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20816 Front Beach Road, Panama City Beach, FL 32413 (MLS# 990262) is a Single Family property with 6 bedrooms and 4 full bathrooms. 20816 Front Beach Road is currently listed for $2,580,000 and was received on November 24, 2025. Want to learn more about 20816 Front Beach Road? Do you have questions about finding other Single Family 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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