Step into paradise with this beautifully appointed 2BR/2BA Gulf-front condo that's turnkey & rental-ready! Located on the highly sought-after first living level, Unit 103B offers breathtaking, unobstructed views of the Gulf from an oversized private balcony...perfect for morning coffee, sunset cocktails, or just soaking in the sea breeze.Inside, you'll love the open layout featuring tile flooring throughout, a fully equipped kitchen with granite countertops & breakfast bar, and a stylish tiled island ideal for entertaining or casual dining. Both bedrooms are spacious and inviting, with plenty of natural light and coastal charm.Whether you're looking for a lucrative investment property, a personal beach escape, or a blend of both, this unit checks all the boxes. Sterling Reef offers fantastic amenities to include, heated pool with waterfall, well-equipped fitness center, a game room, direct beach access, and a location that's near everything from shopping to dining, and entertainment.Don't miss this opportunity to own a piece of the Emerald Coast!Schedule your private showing today, your beachfront dream awaits.
For sale
Price cut: $5K (7/4)
$490,000
12011 Front Beach Rd #103-B, Panama City Beach, FL 32407
2beds
1,076sqft
Est.:
Condominium
Built in 2005
-- sqft lot
$477,900 Zestimate®
$455/sqft
$977/mo HOA
What's special
Gulf-front condoCoastal charmBreakfast barStylish tiled islandOpen layoutOversized private balcony
- 94 days
- on Zillow |
- 92 |
- 5 |
Zillow last checked: 7 hours ago
Listing updated: August 20, 2025 at 07:23am
Listed by:
Meghan Hall Team 850-502-2725,
Keller Williams Realty Emerald
Source: CPAR,MLS#: 773756
Originating MLS: Central Panhandle Association of REALTORS

Travel times
Tour with a buyer's agent
Tour with a buyer's agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Rooms
- Room types: Bedroom, Dining Room, Full Bath, Primary Bedroom
Primary bedroom
- Level: First
- Area: 187
- Dimensions: 17 x 11
Bedroom
- Level: First
- Area: 121
- Dimensions: 11 x 11
Other
- Level: First
- Area: 513
- Dimensions: 27 x 19
Dining room
- Level: First
- Area: 238
- Dimensions: 17 x 14
Other
- Level: First
- Area: 90
- Dimensions: 10 x 9
Other
- Level: First
- Area: 48
- Dimensions: 8 x 6
Heating
- Central, Electric
Cooling
- Central Air, Ceiling Fan(s), Electric
Appliances
- Included: Dryer, Washer/Dryer Stacked, Dishwasher, Electric Cooktop, Electric Oven, Electric Water Heater, Disposal, Microwave, Refrigerator, Washer
- Laundry: Stacked
Features
- Breakfast Bar, Kitchen Island, Recessed Lighting, Split Bedrooms, Window Treatments
- Flooring: Tile
- Furnished: Yes
Interior area
- Total interior livable area: 1,076 sqft
Property
Parking
- Parking features: Attached, Garage
- Has attached garage: Yes
Features
- Patio & porch: Balcony
- Exterior features: Balcony
- Pool features: Gas Heat, In Ground, Pool, Community
- Has view: Yes
- View description: Gulf
- Has water view: Yes
- Water view: Gulf
- Waterfront features: Gulf, Waterfront
Lot
- Features: Waterfront
Details
- Parcel number: 34809610003
- Zoning description: Resid Multi-Family
- Special conditions: Listed As-Is
Construction
Type & style
- Home type: Condo
- Architectural style: High Rise
- Property subtype: Condominium
- Attached to another structure: Yes
Materials
- Concrete
Condition
- Year built: 2005
Utilities & green energy
- Sewer: Public Sewer
- Utilities for property: Cable Connected
Community & HOA
Community
- Features: Barbecue, Beach, Clubhouse, Elevator, Fitness Center, Park, Short Term Rental Allowed, Waterfront, Pool
- Security: Smoke Detector(s)
- Subdivision: Sterling Reef
HOA
- Has HOA: Yes
- Amenities included: Beach Rights, Barbecue, Picnic Area
- Services included: Association Management, Clubhouse, Cable TV, Fitness Facility, Insurance, Internet, Maintenance Grounds, Pool(s), Recreation Facilities, Sewer, Trash, Water
- HOA fee: $977 monthly
Location
- Region: Panama City Beach
Financial & listing details
- Price per square foot: $455/sqft
- Tax assessed value: $461,975
- Annual tax amount: $5,465
- Date on market: 5/20/2025
- Listing terms: Cash,Conventional
- Road surface type: Paved
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