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Harrison Lilly Team

Owner/Operator | Harrison Lilly Emerald Coast | Harrison Lilly Realty | PLACE

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16525 Front Beach Rd , Panama City Beach, FL 32413
$4,500,000
Est. Payment: $24,861.85/mo
6 Bed
7 Bath
3735 Sqft
0.14 Acres
Status: Active | Days on site: 23
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2180 - B11367
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Harrison Lilly Team
Owner/Operator

House Description

Gulf front, fully furnished, and already generating income. 16525 Front Beach Road is a turnkey beachfront rental with bookings on the calendar, 50 feet of private Gulf frontage, a heated pool, and its own beach walkover over the dune. A preliminary cost segregation estimate has been prepared and is available on request for buyers looking to place the asset in service before year end. Wake up to uninterrupted Gulf of Mexico views, step onto your private balcony, and hear nothing but waves. Whether you're seeking a high-performing vacation rental on the Emerald Coast or a legacy Gulf front family retreat, this property delivers on every level. Maintained in like-new condition and sold furnished and rental ready, this is a true turnkey rental property with bookings already on the calendar, so a new owner can start collecting revenue immediately rather than building a booking history from scratch. With strong rental projections and capacity for large groups, it presents a compelling opportunity for investors seeking a premier beachfront vacation rental on the Emerald Coast. Buyers should consult their own CPA or tax advisor to determine eligibility for any tax treatment. Built on concrete pilings for lasting structural integrity in the coastal environment, the home is designed to perform for decades to come. Designed to maximize Gulf views, the home features three expansive balconies connected by a spiral staircase, creating multiple outdoor living spaces with panoramic water views. Two Gulf-facing bedrooms open directly to their own balconies, letting guests wake up to the sound of waves and unobstructed views of the Gulf of Mexico. The second floor serves as the main living level, where an open-concept kitchen, dining, and living area flows seamlessly to a large balcony overlooking the beach. The kitchen is built for entertaining, featuring quartz countertops, custom cabinetry, a tile backsplash, a large island with seating for six, gas range, built-in ice maker, and double sinks. The first floor is designed for gathering and recreation, with a bunk room and recreation room that opens directly to the heated pool area. A built-in bar with ice maker and beverage refrigerator creates the perfect setup for poolside entertaining after a day on the beach. The primary suite offers Gulf views, a balcony, walk-in closet, double vanity, garden tub, and separate shower. Throughout the home you'll find shiplap accent walls, ensuite bathrooms in every bedroom, generous owner storage closets on each floor, and integrated WiFi extenders with indoor and outdoor speakers. Outside, a beach walkover, outdoor shower, Polywood outdoor furniture, and abundant parking round out a package that is rarely found in Gulf front homes. Positioned on a quiet stretch of beach with no nearby public walkovers, the shoreline here stays uncrowded, giving guests the feel of a private beach just steps from the door, while still being just minutes from Pier Park's restaurants, shopping, and entertainment. 16525 Front Beach Road is a rare Gulf front home where luxury amenities, an unbeatable location, and exceptional vacation rental income potential come together in one standout beachfront property.

Highlights

Listed by Beau Blankenship , 405-623-5227 Christies International Real Estate Emerald Coast , 850-213-2800. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.14

Year Built

2022

County

Bay

Area

03 - Bay County - Beach

Neighborhood

[No Recorded Subdiv]

Listing ID

794359

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:6
  • ▪ Bathrooms:7
  • ▪ Full Bathrooms:6
  • ▪ 1/2 Bathrooms:1
Appliances:Bar Fridge, Convection Oven, ENERGY STAR Qualified Appliances, Electric Oven, Gas Cooktop, Gas Oven, Gas Range, Gas Water Heater, Ice Maker, PlumbedForIce Maker, Tankless Water Heater
Air Cond:Central Air,Ceiling Fan(s),ENERGY STAR Qualified Equipment,Heat Pump
Fireplaces:
Other:
  • ▪ Additional:Balcony, Double Vanity, Interior Steps, Sitting Area in Primary, Soaking Tub, Separate Shower, Smart Thermostat, Walk-In Closet(s)

Exterior Features

Lot:Paved
Lot Dimensions:50.0 ft x 124.0 ft
Zoning:Resid Single Family
Roof:Metal
Others:
  • ▪ Additional:Covered Patio, Deck, Patio, Outdoor Kitchen, Outdoor Shower
Sewer:Public Sewer,Sewer Tap Paid
Parking Features:No Garage,Paved
Principal Interest
$24,862
Taxes
$2,529

Home Price

$4,500,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$900,000
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Monthly Price:
$24,861.85

Principal

Taxes

Principal Taxes HOA Total
Monthly $24,861.85 $2,528.81 $0.00 $27,390.66
Yearly $298,342.22 $30,345.70 $0.00 $328,687.92
Total $8,950,266.66 $910,371.00 $0.00 $9,860,637.66

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

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Market insight data is pulled from the same city as the listing being viewed (Panama City Beach, FL).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Bay County Association of REALTORS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-10-07T03:46:57.000Z

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