Welcome to your ultimate beach retreat on the highly sought-after west end of Panama City Beach! This fully remodeled 6-bedroom, 4-bath coastal stunner delivers the perfect blend of luxury, entertainment, and Gulf-side living. Enjoy beautiful views of the Gulf along with private beach access, giving you the beachfront lifestyle everyone dreams of. Step into a home that feels welcoming with high-end finishes, designer touches, upgraded LED lighting, and a thoughtful layout that makes every space shine. The home comes fully furnished, offering a true turnkey opportunity whether you plan to use it as a primary residence, second home, or high-performing investment property.
Outside, the fun really begins. The expansive outdoor area is built for entertaining with multiple seating zones, a heated private pool, and vibrant LED lighting that transforms the space into a coastal oasis at night. The property also features a mini-golf area, perfect for guests, kids, and everyone looking to enjoy a little friendly competition.
From the incredible outdoor amenities to the luxurious interior updates, this home offers an unmatched experience on Front Beach Road. If you're searching for a Gulf-view property that truly has it all, this is the one.
Information contained within this listing such as lot dimensions, is deemed to be accurate but is not guaranteed. Buyer to verify.
New construction
$2,600,000
20816 Front Beach Rd, Panama City Beach, FL 32413
6beds
2,808sqft
Est.:
Single Family Residence
Built in 2002
0.34 Acres Lot
$2,437,600 Zestimate®
$926/sqft
$-- HOA
What's special
Heated private poolFully furnishedPrivate beach accessDesigner touchesThoughtful layoutMini-golf areaGulf-view property
- 32 days |
- 1,319 |
- 76 |
Zillow last checked: 8 hours ago
Listing updated: January 06, 2026 at 03:50am
Listed by:
Cynthia Wilkinson 850-814-4323,
Rosemary Beach Realty, LLC
Source: CPAR,MLS#: 782793
Originating MLS: Central Panhandle Association of REALTORS
Originating MLS: Central Panhandle Association of REALTORSTour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 6
- Bathrooms: 4
- Full bathrooms: 4
Rooms
- Room types: Bedroom, Dining Room, Full Bath, Garage, Kitchen, Primary Bathroom, Primary Bedroom, Other, Porch, Sitting Room
Primary bedroom
- Level: Second
- Dimensions: 17 x 15
Bedroom
- Level: Second
- Dimensions: 14 x 11
Bedroom
- Level: First
- Dimensions: 11 x 11
Bedroom
- Level: First
- Dimensions: 12 x 12
Primary bathroom
- Level: Second
- Dimensions: 13 x 11
Dining room
- Description: Dining/Living Combo
- Level: First
- Dimensions: 25 x 14
Other
- Level: Second
- Dimensions: 8 x 5
Other
- Level: First
- Dimensions: 10 x 6
Other
- Level: First
- Dimensions: 12 x 6
Garage
- Level: First
- Dimensions: 35 x 24
Kitchen
- Description: Eat-in Kitchen
- Level: First
- Dimensions: 27 x 10
Other
- Features: Balcony
- Level: Second
- Dimensions: 38 x 13
Porch
- Level: First
- Dimensions: 38 x 13
Sitting room
- Level: First
- Dimensions: 15 x 12
Heating
- Central, Electric
Cooling
- Ceiling Fan(s), Heat Pump, Window Unit(s)
Interior area
- Total structure area: 2,808
- Total interior livable area: 2,808 sqft
Property
Parking
- Total spaces: 4
- Parking features: Garage
- Garage spaces: 4
Features
- Patio & porch: Patio, Balcony, Open, Porch
- Exterior features: Patio
- Has private pool: Yes
- Pool features: In Ground, Private
- Fencing: Full,Fenced
- Has view: Yes
- View description: Gulf
- Has water view: Yes
- Water view: Gulf
Lot
- Size: 0.34 Acres
- Dimensions: 109 x 154 x 118 x 108
- Features: Sprinkler System, Paved
Details
- Parcel number: 37194000000
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Coastal
- Property subtype: Single Family Residence
Condition
- New construction: Yes
- Year built: 2002
Utilities & green energy
- Utilities for property: Cable Connected, Electricity Available, Phone Connected
Community & HOA
Community
- Features: Short Term Rental Allowed
- Subdivision: Santa Monica Beach
HOA
- Has HOA: No
Location
- Region: Panama City Beach
Financial & listing details
- Price per square foot: $926/sqft
- Tax assessed value: $1,715,235
- Annual tax amount: $21,119
- Date on market: 12/18/2025
- Cumulative days on market: 32 days
- Electric utility on property: Yes
Estimated market value
$2,437,600
$2.32M - $2.56M
$4,190/mo
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 11/24/2025 | Listed for sale | $2,600,000-1.9%$926/sqft |
Source:  ECAOR #990262 Report a problem | ||
| 8/25/2025 | Listing removed | $2,650,000$944/sqft |
Source: ECAOR #974328 Report a problem | ||
| 4/19/2025 | Listed for sale | $2,650,000+7.1%$944/sqft |
Source: ECAOR #974328 Report a problem | ||
| 6/24/2024 | Listing removed | $2,475,000$881/sqft |
Source:  CPAR #752451 Report a problem | ||
| 6/14/2024 | Price change | $2,475,000-0.4%$881/sqft |
Source: ECAOR #942017 Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $21,119 +19.8% | $1,715,235 +44.6% |
| 2023 | $17,634 +38.5% | $1,186,497 +10% |
| 2022 | $12,730 | $1,078,634 |
Find assessor info on the county website
BuyAbility℠ payment
Est. payment
$16,628/mo
Principal & interest
$12966
Property taxes
$2752
Home insurance
$910
Climate risks
Neighborhood: 32413
Nearby schools
GreatSchools rating
- 6/10West Bay Elementary SchoolGrades: K-5Distance: 5.8 mi
- 7/10Surfside Middle SchoolGrades: 6-8Distance: 6.2 mi
- 4/10J.R. Arnold High SchoolGrades: 9-12Distance: 8.3 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.
- Loading
- Loading
