**Virtual Tour Available**
20405 Front Beach Road is an exquisite gulf front home nestled perfectly in the Laguna Beach section of Panama City Beach. This gorgeous gulf-front estate was fully renovated in 2023 and has newly refinished European White Oak flooring that was completed in March of 2025. 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.
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.
For sale
$4,699,000
20405 Front Beach Rd, Panama City Beach, FL 32413
9beds
5,215sqft
Est.:
Single Family Residence
Built in 2019
3,920.4 Square Feet Lot
$-- Zestimate®
$901/sqft
$-- HOA
What's special
Turquoise accentsWhite quartz countertopsEuropean white oak flooringGulf front homeSerene color paletteLocally sourced hardwood flooringMeticulously designed floor plan
- 102 days |
- 1,936 |
- 81 |
Zillow last checked: 8 hours ago
Listing updated: February 17, 2026 at 11:14am
Listed by:
Caleb A Spears 850-974-1765,
Compass,
Jonathan M Spears 850-974-1761,
Compass Florida, LLC
Source: CPAR,MLS#: 771944
Originating MLS: Central Panhandle Association of REALTORS
Originating MLS: Central Panhandle Association of REALTORSTour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 9
- Bathrooms: 10
- Full bathrooms: 9
- 1/2 bathrooms: 1
Rooms
- Room types: Bedroom, Kitchen, Loft, Living Room, Bonus Room
Bedroom
- Level: First
- Dimensions: 15.6 x 14.6
Bedroom
- Level: Second
- Dimensions: 13 x 8.5
Bedroom
- Level: Second
- Dimensions: 12.5 x 12
Bedroom
- Level: Third
- Dimensions: 15.7 x 12.5
Bedroom
- Level: Third
- Dimensions: 11.8 x 8.2
Bedroom
- Level: Fourth
- Dimensions: 19.4 x 10.3
Other
- Level: Third
- Dimensions: 12 x 8
Bonus room
- Level: Fourth
- Dimensions: 12.5 x 7.3
Kitchen
- Level: Second
- Dimensions: 31 x 22
Living room
- Level: First
- Dimensions: 24 x 10.8
Living room
- Level: Second
- Dimensions: 24 x 10.8
Loft
- Level: Fourth
- Dimensions: 12.5 x 11.2
Cooling
- Multi Units, Zoned
Appliances
- Included: Washer/Dryer Stacked, Electric Range, Tankless Water Heater
- Laundry: Stacked
Features
- Loft
Interior area
- Total structure area: 5,215
- Total interior livable area: 5,215 sqft
Property
Parking
- Parking features: Garage
- Has garage: Yes
Features
- Stories: 4
- Patio & porch: Balcony, Deck
- Exterior features: Covered Patio
- Has private pool: Yes
- Pool features: Gas Heat, In Ground, Private
- Has view: Yes
- View description: Gulf
- Has water view: Yes
- Water view: Gulf
- Waterfront features: Gulf
- Frontage length: 38
Lot
- Size: 3,920.4 Square Feet
- Dimensions: 38 x 105
- Features: Paved
Details
- Parcel number: 36627000000
- Zoning description: Resid Single Family
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Coastal
- Property subtype: Single Family Residence
Materials
- HardiPlank Type, Wood Frame
- Foundation: Pillar/Post/Pier
- Roof: Metal
Condition
- New construction: No
- Year built: 2019
Utilities & green energy
- Sewer: Public Sewer
Community & HOA
Community
- Features: Short Term Rental Allowed
- Subdivision: Laguna Beach Estates
HOA
- Has HOA: No
Location
- Region: Panama City Beach
Financial & listing details
- Price per square foot: $901/sqft
- Tax assessed value: $2,626,257
- Annual tax amount: $32,314
- Date on market: 11/10/2025
- Cumulative days on market: 183 days
Estimated market value
Not available
Estimated sales range
Not available
$3,637/mo
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 7/22/2025 | Price change | $4,699,000-6%$901/sqft |
Source:  ECAOR #971408 Report a problem | ||
| 3/20/2025 | Price change | $4,999,0000%$959/sqft |
Source: ECAOR #971408 Report a problem | ||
| 3/18/2025 | Listed for sale | $4,999,999+0%$959/sqft |
Source: ECAOR #971408 Report a problem | ||
| 12/2/2024 | Listing removed | $4,999,000$959/sqft |
Source:  CPAR #762882 Report a problem | ||
| 9/16/2024 | Listed for sale | $4,999,000-3.8%$959/sqft |
Source: ECAOR #959201 Report a problem | ||
| 6/22/2024 | Listing removed | $5,199,000$997/sqft |
Source: CPAR #754889 Report a problem | ||
| 3/27/2024 | Listed for sale | $5,199,000-5.5%$997/sqft |
Source: ECAOR #945830 Report a problem | ||
| 3/5/2024 | Listing removed | -- |
Source: ECAOR #919567 Report a problem | ||
| 9/12/2023 | Listed for sale | $5,500,000$1,055/sqft |
Source: CPAR #738535 Report a problem | ||
| 9/5/2023 | Listing removed | -- |
Source: ECAOR #919567 Report a problem | ||
| 6/25/2023 | Price change | $5,500,000-5.2%$1,055/sqft |
Source: CPAR #738535 Report a problem | ||
| 5/28/2023 | Listed for sale | $5,800,000$1,112/sqft |
Source: ECAOR #919567 Report a problem | ||
| 5/18/2023 | Listing removed | -- |
Source: CPAR #738535 Report a problem | ||
| 3/9/2023 | Listed for sale | $5,800,000+52.6%$1,112/sqft |
Source: CPAR #738535 Report a problem | ||
| 12/15/2021 | Sold | $3,800,000-5%$729/sqft |
Source: CPAR #711513 Report a problem | ||
| 8/31/2021 | Pending sale | $3,999,000$767/sqft |
Source:  Engel & Volkers #866571 Report a problem | ||
| 7/13/2021 | Listed for sale | $3,999,000$767/sqft |
Source: ECAOR #871610 Report a problem | ||
| 7/4/2021 | Pending sale | $3,999,000$767/sqft |
Source: ECAOR #871610 Report a problem | ||
| 4/29/2021 | Listed for sale | $3,999,000$767/sqft |
Source: Engel & Volkers #866571 Report a problem | ||
| 4/24/2021 | Pending sale | $3,999,000$767/sqft |
Source: Engel & Volkers #866571 Report a problem | ||
| 4/15/2021 | Price change | $3,999,000-3.6%$767/sqft |
Source: Engel & Volkers #866571 Report a problem | ||
| 3/11/2021 | Listed for sale | $4,150,000+56%$796/sqft |
Source: Engel & Volkers #866571 Report a problem | ||
| 10/23/2020 | Sold | $2,660,000-8.2%$510/sqft |
Source: ECAOR #853777 Report a problem | ||
| 3/10/2020 | Listed for sale | $2,899,000-9.3%$556/sqft |
Source: ERA Neubauer Real Estate, Inc. #694783 Report a problem | ||
| 12/4/2019 | Listing removed | $3,195,000+76.5%$613/sqft |
Source: Hilary & Reverie #681317 Report a problem | ||
| 11/15/2017 | Sold | $1,810,000+126.3%$347/sqft |
Source: Public Record Report a problem | ||
| 3/2/2012 | Sold | $800,000$153/sqft |
Source: Public Record Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $32,314 +1.1% | $2,626,257 +2.9% |
| 2023 | $31,956 -5.2% | $2,552,763 -12.3% |
| 2022 | $33,695 | $2,909,750 |
| 2021 | -- | -- |
| 2020 | $23,483 +160.4% | $1,923,776 +181.2% |
| 2019 | $9,017 | $684,087 -51% |
| 2018 | $9,017 -48.5% | $1,395,917 +41.3% |
| 2017 | $17,513 +40.2% | $988,241 +5.8% |
| 2016 | $12,494 +3.3% | $934,468 +2.3% |
| 2015 | $12,094 | $913,320 +0.9% |
| 2014 | $12,094 | $905,222 +1.2% |
| 2013 | -- | $894,701 -7.8% |
| 2012 | -- | $970,360 -14% |
| 2011 | -- | $1,128,387 -14% |
| 2010 | -- | $1,312,027 -6.5% |
| 2009 | -- | $1,402,753 -19% |
| 2008 | -- | $1,732,751 -9.4% |
| 2007 | -- | $1,912,104 -11.3% |
| 2006 | -- | $2,154,905 +215.1% |
| 2005 | -- | $683,892 +28.5% |
| 2004 | -- | $532,174 |
| 2003 | -- | $532,174 |
Find assessor info on the county website
BuyAbility℠ payment
Est. payment
$27,936/mo
Principal & interest
$22963
Property taxes
$4973
Climate risks
Neighborhood: 32413
Nearby schools
GreatSchools rating
- 6/10West Bay Elementary SchoolGrades: K-5Distance: 5.6 mi
- 7/10Surfside Middle SchoolGrades: 6-8Distance: 5.7 mi
- 4/10J.R. Arnold High SchoolGrades: 9-12Distance: 7.8 mi
Schools provided by the listing agent
- Elementary: West Bay
- Middle: Surfside
- High: Arnold
Source: CPAR. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
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