12011 Front Beach Road 103B, Panama City Beach, FL 32407 (MLS# 773756)

Homestead: No

HOA Fee: Yes

HOA Amount: 977

HOA Frequency: Monthly

HOA Annual Amount: 11724

Is Subject Leased: No

New Buyer Fee: No

Last Taxes: 5465

Last Tax Year: 2024

Brokerage Interest: No Interest

As Is: Yes

Condo Doc: Yes

List Price/SqFt: 418.22

Status: Active

List Date: 2025-05-20

List Price: $450,000

Current Price: $450,000

Unit #: 103B

Sub Area: 0318 - Beach - Central South

Community/Resort: None

Waterfront: Yes

Gulf Access: Yes

Elementary School: Hutchison Beach

Middle School: Surfside

High School: Arnold

Directions: Three miles east of Hwy.79 on the corner of Alf Coleman and Front Beach Road

Area: 03 - Bay County - Beach

Street #: 12011

Street Name: Front Beach

Street Suffix: Road

State: FL

Zip Code: 32407

County: Bay

Subdivision: Sterling Reef

Parcel ID: 34809-610-003

Legal Description: STERLING REEF UNIT 103 TYPE B ORB 2578 P 120 ''ARUBA'' 2BD/2BTH ORB 3576 P 749 1076 SQ.FT.=H&C . 474 SQ.FT.=BALC

Floor Number: 4

Design: High-Rise (8+ floors)

Apx SqFt(Htd/Cooled): 1076

Immediate Occupancy: Yes

Construction Status: Construction Complete

SqFt Source: Prop App Site

# of Stories in Building: 22

# of Units in Bldg: 126

Units Above Ground: 4

Pre-Const Flip: No

Lot Dimensions: Condo

New Construction: No

Garage Y/N: Yes

Garage Spaces: 0

Beach Frontage: 320

Pool: Yes

Pool Type: Community

Sub-Type: Condominium

Bedrooms: 2

Full Baths: 2

Total Baths: 2

Year Built: 2005

Remarks: Step into a rare Gulf-front opportunity at Sterling Reef, where the first living level (fourth floor from the ground) delivers something no other floor can-expansive, oversized balconies that simply don't come available often. Unit 103B is all about outdoor living, with unobstructed Gulf views and a massive private balcony designed for long mornings, sunset gatherings, and true beachfront entertaining. Inside, the open layout features tile flooring throughout, a functional kitchen with granite countertops, breakfast bar, and a tiled island, offering a solid foundation for a buyer who wants to personalize and update the space to match their vision. Both bedrooms are generously sized and filled with natural light, making this an ideal canvas for creating a custom coastal retreat or a refreshed, high-performing rental. Whether you're an investor looking to add value through updates or a beach lover who wants to design a space that reflects your own style, this condo offers a rare blend of lifestyle appeal and renovation potential in one of the most desirable positions in the building. Sterling Reef completes the experience with resort-style amenities including a heated pool with waterfall, fitness center, game room, and direct beach access all just minutes from the dining, shopping, and entertainment that define this stretch of the Emerald Coast. With a motivated seller and a recent price improvement, this is a standout chance to secure a Gulf-front unit where the true value lies in its location, balcony size, and long-term potential. Opportunities like this, especially on this level, are few and far between.

First: 1

First: 1

Heated - Gas: 1

Inground: 1

Cooktop - Electric: 1

Dishwasher: 1

Disposal: 1

Dryer: 1

Microwave: 1

Oven - Electric: 1

Refrigerator: 1

Washer: 1

Washer/Dryer Stacked: 1

Water Heater - Electric: 1

Breakfast Bar: 1

Floor - Tile: 1

Kitchen Island: 1

Lighting - Recessed: 1

Split Bedroom: 1

Window - Treatment All: 1

Concrete: 1

Balcony: 1

BBQ Pit/Grill: 1

Beach: 1

Community Room: 1

Exercise Room: 1

Ground Keeping: 1

Insurance: 1

Internet Service: 1

Internet-WiFi: 1

Management: 1

Picnic Area: 1

Pool: 1

Recreational Faclty: 1

Sewer: 1

Trash Disposal: 1

TV Cable: 1

Water: 1

Cash: 1

Conventional: 1

Furnished: 1

Coastal Construction Control Line: 1

Waterfront: 1

Within 1/2 Mile to Water: 1

City Street: 1

Paved Road: 1

Garage Attached: 1

MBed Walk-in Closet: 1

MBed Waterfront: 1

MBath Shower/Tub Combo: 1

Resid Multi-Family: 1

BBQ Pit/Grill: 1

Beach: 1

Community Room: 1

Elevators: 1

Exercise Room: 1

Picnic Area: 1

Pool: 1

Waterfront: 1

Balcony: 1

Bedroom: 1

Dining Room: 1

Full Bathroom: 1

Master Bedroom: 1

ShowingTime: 1

TV Cable: 1

Electricity - Connected: 1

Phone - Available: 1

Public Sewer - Connected: 1

Public Water - Connected: 1

Gulf: 1

As Is: 1

First: 1

Gulf: 1

First: 1

First: 1

Ceiling Fan(s): 1

Central Air: 1

Electric: 1

Central: 1

Electric: 1

Smoke Detector(s): 1