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Harrison Lilly Team

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

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14328 Front Beach Rd , Panama City Beach, FL 32413
$3,650,000
Est. Payment: $20,165.72/mo
7 Bed
8 Bath
4221 Sqft
0.14 Acres
Status: Active | Days on site: 114
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Harrison Lilly Team
Owner/Operator

House Description

Seller welcomes all reasonable offers and values constructive negotiations .Positioned directly across from the Gulf with permanent, unobstructed emerald water views, this newly built coastal retreat delivers the kind of location and flexibility buyers rarely find along Panama City Beach. Completed in 2023 and offered fully furnished turnkey, this 7 bedroom, 8 bathroom residence spans over 4,200 square feet and comfortably accommodates up to 22 guests in beds, making it exceptionally well suited for both luxury coastal living and high performing vacation rental potential. Expansive Gulf-facing balconies create the perfect setting for sunrise coffee, afternoon sea breezes, and unforgettable sunset views. Private deeded beach access places the sugar white sands just steps away, while the absence of an HOA allows owners the freedom and flexibility today's buyers are actively searching for. This property already carries over $100,000 in future rental bookings on the calendar, offering immediate income potential from day one. Supporting rental history, forward bookings, and appraisal documentation are available upon request. Investors will appreciate the strong income positioning, with projected annual short term rental performance approaching $350,000 based on nearby comparable data and market trends. Buyers are encouraged to independently verify all projections and rental performance. Whether positioned as a luxury second home, income producing asset, or legacy beach property. Gulf views. Newer construction. No HOA. Deeded beach access. Strong rental capability. Ideally located just minutes from Pier Park, shopping, dining, entertainment, and local excursions, with golf cart friendly access adding to the laid back coastal lifestyle appeal. Opportunities like this rarely come to market with this combination of size, location, views, and proven income trajectory already in place.

Highlights

Listed by Paul D Gibney , 850-775-7766 Corcoran Reverie SRB , 850-231-5030. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.14

Year Built

2023

County

Bay

Area

27 - Bay County

Neighborhood

Bid-A-Wee Beach

Listing ID

998665

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:7
  • ▪ Bathrooms:8
  • ▪ Full Bathrooms:7
  • ▪ 1/2 Bathrooms:1
Appliances:Dishwasher, Disposal, Dryer, Ice Machine, Microwave, Refrigerator W/IceMk, Security System, Smoke Detector, Stove/Oven Gas, Washer, Wine Refrigerator, Water Heater - Gas, Water Heater - Tnkls
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Tile,Floor Vinyl
Other:
  • ▪ Additional:Breakfast Bar, Ceiling Crwn Molding, Elevator, Kitchen Island, Lighting Recessed, Owner's Closet, Pantry, Wet Bar, Woodwork Painted

Exterior Features

Lot:Corner,Survey Available,Within 1/2 Mile to Water
Lot Dimensions:60x100
Zoning:Resid Multi-Family
Others:
  • ▪ Additional:Balcony, Fenced Back Yard, Separate Living Area, Shower, Sprinkler System, Deck Covered, Deck Open
Sewer:Public Sewer
Principal Interest
$20,166
Taxes
$2,226

Home Price

$3,650,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$730,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$20,165.72

Principal

Taxes

Principal Taxes HOA Total
Monthly $20,165.72 $2,226.25 $0.00 $22,391.98
Yearly $241,988.69 $26,715.04 $0.00 $268,703.73
Total $7,259,660.73 $801,451.20 $0.00 $8,061,111.93

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 Emerald Coast Multiple Listing Services, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-10-07T06:31:40.000Z

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