14401 Front Beach Road 403, Panama City Beach, FL 32413 (MLS# 785495)

HOA Fee: Yes

HOA Amount: 895

HOA Frequency: Monthly

HOA Annual Amount: 10740

New Buyer Fee: No

Last Taxes: 1664

Last Tax Year: 2025

Brokerage Interest: No Interest

Condo Doc: Yes

List Price/SqFt: 448.48

Status: Active

List Date: 2026-02-19

List Price: $148,000

Current Price: $148,000

Unit #: 403

Sub Area: 0318 - Beach - Central South

Community/Resort: None

Waterfront: No

Elementary School: Hutchison Beach

Middle School: Surfside

High School: Arnold

Directions: From the Hathaway Bridge, take Hwy 98 W, Turn Left of Clara Ave, Turn Right on Pennel St merging onto Front Beach Rd. The destination will be on your left

Area: 03 - Bay County - Beach

Street #: 14401

Street Name: Front Beach

Street Suffix: Road

State: FL

Zip Code: 32413

County: Bay

Subdivision: Fontainebleau Terrace

Parcel ID: 34511-581-000

Legal Description: FONTAINEBLEAU TERRACE UNIT 403 ORB 4543 P 737 EFF 330 H&C

Floor Number: 4

Design: Mid-Rise (4-7 floors)

Apx SqFt(Htd/Cooled): 330

Construction Status: Construction Complete

SqFt Source: Prop App Site

Lot Dimensions: 0 x 0

New Construction: No

Garage Y/N: No

Pool: Yes

Pool Type: Community

Sub-Type: Condominium

Full Baths: 1

Total Baths: 1

Year Built: 1965

Remarks: Gross rental income: $27,000 in 2025, self-managed Owner financing available: 20% down, 5-year balloon, 30 year amortization, 6% Interest Milestone inspection passed; all building work complete HOA covers electricity, water, sewer, cable, Wi-Fi, and trash This 4th-floor west-facing unit at the iconic Fontainebleau Terrace produced $27,000 in gross rental income in 2025 -- self-managed, with no property management fees eating into returns. With owner financing available at 20% down on a 5-year balloon, investors can enter at a lower capital outlay and immediately put the property's income to work. For buyers seeking beachfront exposure with a proven revenue track record and reduced barrier to entry, the numbers here are difficult to match. Location is a primary driver of the rental demand. The unit sits less than a mile from Pier Park -- the area's main shopping, dining, and entertainment hub -- and a short drive from 30A, St. Andrews State Park, and downtown Panama City. Direct beach access, sugar-white sand, and unobstructed emerald-water views in a low-density setting are the features that keep guests rebooking year after year. The unit is fully turnkey and ready to generate income from closing. Recent updates include new bathroom flooring and a refreshed kitchenette with new cabinetry and sink. The west-facing exposure delivers sunset views over the Gulf -- a consistent selling point in listing photos and guest reviews. Fontainebleau Terrace has anchored this stretch of Panama City Beach since 1965 and remains a property guests actively seek out. The HOA covers electricity, water, sewer, cable, Wi-Fi, and trash, keeping operating costs unusually low for a Gulf-front condo and translating more of the rental income directly to the bottom line. Amenities include a partially covered pool, owners' lounge, game room, fitness room, laundry facilities, covered and open-air gathering spaces overlooking the Gulf, and elevator access to every floor. Beach service is being added this year -- an upgrade that should support nightly rates going forward. The building has successfully passed its milestone inspection, confirming structural integrity and strong management -- a meaningful de-risking factor in today's Florida condo market. One reserved parking spot conveys with the unit, with overflow parking available.

Inground: 1

Microwave: 1

Oven - Electric: 1

Refrigerator: 1

Floor - Tile: 1

Window - Treatment All: 1

Accounting: 1

Advertising: 1

Community Room: 1

Exercise Room: 1

Ground Keeping: 1

Insurance: 1

Legal: 1

Management: 1

Pest Control: 1

Pool: 1

Cash: 1

Seller Financing: 1

Furnished: 1

First: 1

First: 1

City Street: 1

Paved Road: 1

BBQ Pit/Grill: 1

Beach: 1

Community Room: 1

Dumpster: 1

Elevators: 1

Exercise Room: 1

Pool: 1

Kitchen: 1

Living Room: 1

Master Bedroom: 1

ShowingTime: 1

Cable - Available: 1

Electricity - Connected: 1

Public Sewer - Connected: 1

Public Water - Connected: 1

As Is: 1

First: 1

Central Air: 1

Electric: 1

Central: 1

Electric: 1

Smoke Detector(s): 1