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Harrison Lilly

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

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14401 Front Beach Rd Unit 220 , Panama City Beach, FL 32413
$162,500
Est. Payment: $824.17/mo
0 Bed
1 Bath
330 Sqft
Status: active | Days on site: 22
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Own a slice of beachfront history in the iconic Fontainebleau Terrace, a Gulf-front co-op on the sought-after west end of Panama City Beach. This charming studio condo sits directly on the Gulf and is just steps from Bid-A-Wee Beach, a private, deeded beachfront community that guarantees unobstructed Gulf views with no high-rises next door. Whether you're seeking a serene retreat or a short-term rental investment, this unit delivers location, value and true peace of mind. The efficient layout is ideal for solo travelers, couples, or small families looking to maximize beachfront living. Enjoy stunning sunrises and sunsets from your Gulf-facing windows, and take full advantage of Fontainebleau's rich amenities, including direct beach access, a beachfront pool, outdoor grilling stations, on-site laundry facilities and an owner's lounge featuring panoramic Gulf views. Fontainebleau Terrace has successfully passed its Milestone and SIRS inspections and has actively enhanced the property with updates to the lounge, gym, and fifth-floor roof. The building's land lease is fully paid, which means the HOA now owns the building and land outright, providing exceptional stability and value for all owners. What truly sets this building apart is the all-inclusive HOA structure. Your monthly dues cover electricity, gas, fiber-optic Wi-Fi, water, garbage, security and cable, so you'll never face surprise utility bills. In response to the upcoming Front Beach Road expansion, the HOA has proactively acquired the building and parking lot across the street. Each owner contributes just $498 per month starting Oct 1, 2026 for 4 years and then it is paid off! This unit has been thoughtfully updated within the past four years, featuring new vinyl plank flooring, a completely renovated kitchen with shaker cabinetry and granite countertops, fresh paint throughout and a new HVAC unit installed in October 2023. Located just two miles from Pier Park and within easy walking distance to dining, shopping, and attractions, this property offers the ideal blend of vintage charm and modern convenience in the heart of Panama City Beach.

Highlights

Listed by Mike A Glass , 770-916-1177 LPT Realty LLC , 877-366-2213. Bay County Association of REALTORS

Property Type

Residential

HOA Fee

895 Monthly

Year Built

1965

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Fontainebleau Terrace

Listing ID

793448

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:0
  • Bathrooms:1
  • Full Bathrooms:1
Appliances:Electric Range, Electric Water Heater
Air Cond:Ceiling Fan(s),Wall Unit(s)
Fireplaces:
Other:
  • Additional:Smart Thermostat, Tub Shower

Exterior Features

Lot:Paved
Lot Dimensions:0
Zoning:Resid Multi-Family
Roof:Flat
Sewer:Public Sewer
Parking Features:Additional Parking,Paved,Parking Lot
Principal Interest
$824
Taxes
$104
HOA
$895

Home Price

$162,500

Loan Details

30 yrs
6.529%

Down Payment

20%
$32,500
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:
$824.17

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $824.17 $103.59 $895.00 $1,822.76
Yearly $9,890.03 $1,243.13 $10,740.00 $21,873.16
Total $296,700.96 $37,293.75 $322,200.00 $656,194.71

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

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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: 2026-08-20T06:33:19.000Z

© 2026 Bay County Association of REALTORS