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For sale
    • $4,699,000

    20405 Front Beach Rd, Panama City Beach, FL 32413

    9beds
    5,215sqft
    : 
    Single Family Residence
    Built in 2019
    3,920.4 Square Feet Lot
    $-- Zestimate®
    $901/sqft
    $-- HOA

    What's special

    **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.
    128 days
    |
    2,101
    |
    88
    |

    Zillow last checked: 7 hours ago

    Listing updated: March 10, 2026 at 05:04am

    Listed by:

    Caleb A Spears 850-974-1765,

    Compass,

    Jonathan M Spears 850-974-1761,

    Compass Florida, LLC

    Source: CPAR,MLS#: 771944MLS LogoOriginating MLS: Central Panhandle Association of REALTORS

    Tour 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: 3/10/2026
      • Cumulative days on market: 286 days
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        Estimated market value

        Not available

        Estimated sales range

        Not available

        $4,028/mo

        Price history

        Price history
        DateEventPrice
        7/22/2025Price change$4,699,000-6%$901/sqft
        Source: ECAOR #971408 Report a problem
        3/20/2025Price change$4,999,0000%$959/sqft
        Source: ECAOR #971408 Report a problem
        3/18/2025Listed for sale$4,999,999+0%$959/sqft
        Source: ECAOR #971408 Report a problem
        12/2/2024Listing removed$4,999,000$959/sqft
        Source: CPAR #762882 Report a problem
        9/16/2024Listed for sale$4,999,000-3.8%$959/sqft
        Source: ECAOR #959201 Report a problem
        6/22/2024Listing removed$5,199,000$997/sqft
        Source: CPAR #754889 Report a problem
        3/27/2024Listed for sale$5,199,000-5.5%$997/sqft
        Source: ECAOR #945830 Report a problem
        3/5/2024Listing removed--
        Source: ECAOR #919567 Report a problem
        9/12/2023Listed for sale$5,500,000$1,055/sqft
        Source: CPAR #738535 Report a problem
        9/5/2023Listing removed--
        Source: ECAOR #919567 Report a problem
        6/25/2023Price change$5,500,000-5.2%$1,055/sqft
        Source: CPAR #738535 Report a problem
        5/28/2023Listed for sale$5,800,000$1,112/sqft
        Source: ECAOR #919567 Report a problem
        5/18/2023Listing removed--
        Source: CPAR #738535 Report a problem
        3/9/2023Listed for sale$5,800,000+52.6%$1,112/sqft
        Source: CPAR #738535 Report a problem
        12/15/2021Sold$3,800,000-5%$729/sqft
        Source: CPAR #711513 Report a problem
        8/31/2021Pending sale$3,999,000$767/sqft
        Source: Engel & Volkers #866571 Report a problem
        7/13/2021Listed for sale$3,999,000$767/sqft
        Source: ECAOR #871610 Report a problem
        7/4/2021Pending sale$3,999,000$767/sqft
        Source: ECAOR #871610 Report a problem
        4/29/2021Listed for sale$3,999,000$767/sqft
        Source: Engel & Volkers #866571 Report a problem
        4/24/2021Pending sale$3,999,000$767/sqft
        Source: Engel & Volkers #866571 Report a problem
        4/15/2021Price change$3,999,000-3.6%$767/sqft
        Source: Engel & Volkers #866571 Report a problem
        3/11/2021Listed for sale$4,150,000+56%$796/sqft
        Source: Engel & Volkers #866571 Report a problem
        10/23/2020Sold$2,660,000-8.2%$510/sqft
        Source: ECAOR #853777 Report a problem
        3/10/2020Listed for sale$2,899,000-9.3%$556/sqft
        Source: ERA Neubauer Real Estate, Inc. #694783 Report a problem
        12/4/2019Listing removed$3,195,000+76.5%$613/sqft
        Source: Hilary & Reverie #681317 Report a problem
        11/15/2017Sold$1,810,000+126.3%$347/sqft
        Source: Public Record Report a problem
        3/2/2012Sold$800,000$153/sqft
        Source: Public Record Report a problem

        Public tax history

        Public tax history
        YearProperty taxesTax 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
        $28,051/mo
        Principal & interest
        $23078
        Property taxes
        $4973
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          Climate risks

          Neighborhood: 32413

          Getting around

          21 / 100
          Car-Dependent
          44 / 100
          Somewhat Bikeable

          Nearby schools

          GreatSchools rating
          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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