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$2,600,000

  • For Sale
  • Active
  • Single Family
  • 6 Beds
  • 4 Full Baths
  • Updated 11 days ago
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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: $2,600,000
  • Taxes: $21,119 (2024)
  • Status: Active
  • Type: Single Family
  • Source: Bay_County
  • MLS ID: 782793
  • Updated: 1/6/2026
  • Added to Site: 30 day(s) ago

Interior

  • Number of Rooms: 14

Rooms

Bathrooms

  • Total Bathrooms: 4
  • Full Bathrooms: 4

Bedrooms

  • Total Bedrooms: 6

Additional Information

  • Pool: Yes
  • Private Pool: Yes
  • Pool Description: In Ground, Private

Exterior

  • Exterior Features: Patio
  • Porch/Patio/Deck: Patio, Balcony, Open, Porch

Parking

  • Garage: Yes
  • Garage Spaces: 4

Location

  • 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

Community

  • Community Name: 03 - Bay County - Beach

Heating & Cooling

  • Air Conditioning: Yes
  • Cooling Type: Ceiling Fan(s), Heat Pump, Window Unit(s)
  • Heating Type: Central, Electric

Utilities

  • Utility Description: Cable Connected, Electricity Available, Phone Connected

Structural Information

  • Architectural Style: Coastal
  • Sq. Ft. Source: Appraiser
  • Year Built: 2002

Lot Features

  • Property View: Gulf
  • Lot Size (Acres): 0.34
  • Lot Size (Sq. Ft.): 14,810
  • Lot Size: .34
  • Lot Dimensions: 109 x 154 x 118 x 108
  • Lot Features: Sprinkler System, Paved
  • Fencing (Description): Full, Fenced

Water Features

  • Water Front: Yes
  • Water View: Yes

Financial Considerations

  • Tax Amount: $21,119
  • Tax Year: 2024

Disclosures and Reports

  • Legal Description: SANTA MONICA BEACH LOT 1 BLK 3 ORB 4705 P 1157
  • Property ID: 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 Pitney Bowes 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
12/18/2025
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
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.

Estimate the Cost for 20816 Front Beach Rd

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

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Listed by Rosemary Beach Realty, LLC

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20816 Front Beach Road, Panama City Beach, FL 32413 (MLS# 782793) is a Single Family property with 6 bedrooms and 4 full bathrooms. 20816 Front Beach Road is currently listed for $2,600,000 and was received on December 18, 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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