12011 Front Beach Road 1902B, Panama City Beach, FL 32407 (MLS# 789284)

HOA Fee: Yes

HOA Amount: 980

HOA Frequency: Monthly

HOA Annual Amount: 11760

New Buyer Fee: No

Brokerage Interest: No Interest

Condo Doc: Yes

List Price/SqFt: 408.83

Status: Active

List Date: 2026-04-27

List Price: $439,900

Current Price: $439,900

Unit #: 1902B

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: From PCB Parkway and Hwy 79, go east 2.5 miles and turn right on Alf Coleman Rd. Go to Front Beach Road. Sterling Reef is on the beach just left of the traffic light on left side of public pier.

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: 34809-610-121

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

Floor Number: 19

Design: High-Rise (8+ floors)

Apx SqFt(Htd/Cooled): 1076

Construction Status: Construction Complete

SqFt Source: Prop App Site

Lot Dimensions: 0x0

New Construction: No

Garage Y/N: Yes

Garage Spaces: 2

Pool: Yes

Pool Type: Community

Sub-Type: Condominium

Bedrooms: 2

Full Baths: 2

Total Baths: 2

Year Built: 2005

Remarks: Experience coastal living at its finest in this stunning 19th floor penthouse Gulf-front condo at Sterling Reef Condominiums. This beautifully updated two-bedroom, two-bath residence offers breathtaking views of the turquoise and emerald-green waters of the Gulf, perfectly complemented by sugar-white sands stretching for miles. Designed for both comfort and style, this turnkey-rental ready condo comfortably sleeps up to six guests and features fresh updates throughout--including new paint completed within the last week, along with a new couch, chair, and rug that bring a bright, modern feel to the space. The open living area flows seamlessly onto a spacious Gulf-front balcony, where you can relax, dine, or simply take in the unforgettable sunsets. The primary suite is a true retreat, complete with a private en-suite bath and its own direct balcony access--perfect for enjoying your morning coffee with the sound of the waves. The second bedroom and full bath provide ample space and privacy for guests or family. Sterling Reef offers exceptional amenities, including a beachfront pool, fitness center, outdoor grilling stations, and picnic areas--everything you need for the perfect beachside lifestyle. The location is unbeatable: situated directly next to M.B. Miller County Pier, you'll have front-row seats to incredible views and fishing opportunities. You're also across the street from Shipwreck Island Waterpark and just minutes from shopping, dining, and entertainment at Pier Park. Even better, enjoy spectacular Independence Day fireworks right from your own balcony--no crowds required. This condo is a proven rental with great rental history. Even better, reservations are already secured for 2026, offering immediate, turnkey income for the next owner. Whether you're looking for a personal getaway, investment property, or vacation rental, this penthouse truly has it all--luxury, location, and lifestyle you simply can't beat.

Cooktop - Electric: 1

Dishwasher: 1

Ice Maker: 1

Microwave: 1

Oven - Convection: 1

Washer/Dryer Stacked: 1

Breakfast Bar: 1

Floor - Tile: 1

Kitchen Island: 1

Lock Out Closet: 1

Concrete: 1

Balcony: 1

Shore - Beach: 1

Accounting: 1

BBQ Pit/Grill: 1

Beach: 1

Internet-WiFi: 1

Master Association: 1

Pest Control: 1

Picnic Area: 1

Pool: 1

Recreational Faclty: 1

Security: 1

Telephone: 1

Trash Disposal: 1

TV Cable: 1

Water: 1

Cash: 1

Conventional: 1

FHA: 1

VA: 1

Furnished: 1

First: 1

City Street: 1

Parking Garage: 1

MBed Balcony: 1

MBed Waterfront: 1

BBQ Pit/Grill: 1

Beach: 1

Picnic Area: 1

Pool: 1

Security-24 hour: 1

Whirlpool: 1

Living Room: 1

Master Bedroom: 1

ShowingTime: 1

Public Sewer - Connected: 1

Public Water - Connected: 1

Gulf: 1

As Is: 1

Gulf: 1

First: 1

Ceiling Fan(s): 1

Central Air: 1

Central: 1

Electric: 1