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$4,699,000

  • For Sale
  • Active
  • Single Family
  • 9 Beds
  • 9 Full Baths
  • 1 Partial Bath
  • 5,215 Sq. Ft.
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**Virtual Tour Available**20405 Front Beach Road is an exquisite gulf front home nestled perfectly in the Laguna Beach section of Panama City Beach. Boasting an ideal location for both vacation rental and personal enjoyment, it sits just five miles east of the luxurious Rosemary Beach and five miles west of Pier Park--the largest commercial and entertainment center in Northwest Florida. This residence presents an exceptional vacation rental opportunity with the sister home grossing annual rental income of $444,000 in 2024, and this home grossing just under $300,000 in a partial year on the same management program. The home has also never allowed pets, so the home's condition has been maintained at the highest caliber. Distinguished by its meticulously designed floor plan, 20405 Front Beach Road stands out amidst Panama City Beach properties. Unlike many coastal homes that prioritize sleeping space over functional living areas, this home features three distinct living room and entertainment spaces. With 10-foot ceilings and generously sized bedrooms, every occupant can relish in the tranquility of this gulf-front retreat. Outdoor amenities include expansive balconies on each level and a private pool overlooking the Gulf, surrounded by shaded seating areas. The property's design is inspired by the natural beauty of the coast, evident in its locally sourced hardwood flooring and serene color palette. Turquoise accents and white quartz countertops pay homage to the nearby beaches, creating a seamless connection between indoor elegance and outdoor splendor. 20405 Front Beach Road epitomizes the fusion of style and functionality, enhanced by its prime location amidst the best offerings of Northwest Florida.

Full Property Details for 20405 Front Beach Road Rd

General

  • Price: $4,699,000
  • Status: Active
  • Type: Single Family
  • Source: Emerald_Coast
  • MLS ID: 971408
  • Updated: 9/23/2025
  • Added to Site: 306 day(s) ago

Interior

  • Rooms/Areas: Bedroom, Bonus Room, Bunk Room, Kitchen, Living Room, Loft
  • Interior Features: Ceiling Raised, Floor Hardwood, Furnished - All, Lighting Recessed, Owner's Closet, Window Treatment All
  • Appliances: Dishwasher, Dryer, Ice Machine, Microwave, Refrigerator, Stove/Oven Electric, Washer

Rooms

Bathrooms

  • Total Bathrooms: 10
  • Full Bathrooms: 9
  • Half Bathrooms: 1

Bedrooms

  • Total Bedrooms: 9

Other Rooms

  • Living Room: Living Room
  • Kitchen: Kitchen
  • Loft: Loft

Additional Information

  • Pool: Yes

Exterior

  • Exterior Features: Balcony, BBQ Pit/Grill, Hot Tub, Patio Covered, Pool - Heated, Pool - In-Ground, Porch

Parking

  • Garage: Yes
  • Parking: Garage, Garage Attached

Location

  • Area: 27 - Bay County
  • County: Walton
  • Subdivision: Laguna Beach Estates
  • Driving Directions: Directions: From Hwy 98 turn south on Wisteria Lane. Continue to Front Beach Rd. Turn right on Front Beach Road and the house is immediately on the left.

School Information

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

Heating & Cooling

  • Heating/Cooling: AC - 2 or More, Water Heater - Two +

Utilities

  • Utility Description: Electric, Gas - Natural, Public Sewer, Public Water

Structural Information

  • Architectural Style: Contemporary
  • Construction: Foundation On Piling, Frame, Roof Metal, Siding CmntFbrHrdBrd
  • Stories/Levels: 4
  • Square Feet: 5,215
  • Sq. Ft. Source: County PA Records
  • Year Built: 2019

Lot Features

  • Property View: Gulf
  • Lot Size (Acres): 0.09
  • Lot Dimensions: 38 x 105
  • Street/Road Desc.: City Road, Paved Road
  • Lot Features: Within 1/2 Mile to Water
  • Zoning: Resid Single Family

Water Features

  • Water Front Type: Gulf

Financial Considerations

  • Terms: Conventional

Disclosures and Reports

  • Legal Description: LAGUNA BEACH ESTATES PART LOT 1 BLK 2A: COMM ELY COR LOT 1 BLK 2A S28W 25' N61W 3' FOR POB TH S28W 70' N61W 31.25' N28E 30' N61W 3.25'N28E 40' N61E 34.50 TO POB AKA UNIT 1 ORB 4500 P 1669
  • APN: 36627-000-000

Listed by Compass

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Listing agents

— 20405 Front Beach Road Rd —

  • Compass

  • Compass

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 20405 Front Beach Road Rd

School District:Bay County School District
NameGradesDistance
West Bay Elementary School
14813 School Dr, Panama City Beach, FL 32413
K-55.6 mi
Surfside Middle School
300 Nautilus Street, Panama City Beach, FL 32413
6-85.7 mi
J.R. Arnold High School
550 North Alf Coleman Road, Panama City Beach, FL 32407
9-127.8 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 20405 Front Beach Road Rd Get Price Alerts and Save Property

Date
Details
Price
Change
Source
7/22/2025
Price Reduced
$4,699,000
-6%
MLS
3/20/2025
Price Reduced
$4,999,000
-0.02%
MLS
3/17/2025
Listed
$4,999,999
31.58%
MLS
12/15/2021
Sold
$3,800,000
—
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 20405 Front Beach Road Rd

Year
Property Taxes
Change
Tax Assessment
Change
2024
$32,314
1%
$2,626,257
3%
2023
$31,956
16%
$2,552,763
12%
2021
$27,495
-18%
$2,289,320
-21%
2022
$33,695
—
$2,909,750
—
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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Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

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Listed by Compass

20405 Front Beach Road Road, Panama City Beach, FL 32413 (MLS# 971408) is a Single Family property with 9 bedrooms, 9 full bathrooms and 1 partial bathroom. 20405 Front Beach Road Road is currently listed for $4,699,000 and was received on March 17, 2025. Want to learn more about 20405 Front Beach Road 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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