Agent profile image in chat bubble
Agent profile image in chat header

Harrison Lilly Team

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

Agent profile image in message

22704 Front Beach Rd , Panama City Beach, FL 32413
$1,100,000
Est. Payment: $6,077.34/mo
4 Bed
4 Bath
1992 Sqft
0.05 Acres
Status: Active | Days on site: 15
Get Pre-Qualified
TRE1 - B1391
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from Harrison Lilly Team, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
Agent profile image
Harrison Lilly Team
Owner/Operator

House Description

Gulf Views & Steps to the Sand: A Turnkey, Low-Maintenance West End Retreat Welcome to 22704 Front Beach Road, perfectly positioned on the highly sought-after, quiet west end of Panama City Beach. Located directly across the street from Beach Access 95, this property offers effortless beach days and Gulf views, making it an idyllic personal getaway and vacation rental. Built in 2024 this low maintenance, 4-bedroom, 3.5-bathroom beach house features high ceilings, granite countertops, solid surface flooring and beautifully tiled bathrooms in the 1,992 square feet of thoughtfully designed living space. The layout has been specifically crafted to stand out as a favorite for both rental guests and owners alike. Key Home Features: Main-Level Convenience: A highly desirable ground-floor bedroom and full bathroom offer ideal accommodations for guests who prefer to avoid stairs. Designed for Beach Living: An outdoor shower at the back entrance and a strategically located laundry room make cleaning up after a day in the sand an absolute breeze. Exceptional Outdoor Spaces: Take in sweeping Gulf views and refreshing sea breezes from two private vantage points--the expansive crow's nest balcony and the private primary suite balcony. Turnkey & Ready: Offered fully furnished and optimized for immediate ROI or personal enjoyment. Situated just minutes from Inlet Beach and the gateway to Scenic Highway 30A, this stretch offers a serene, laid-back atmosphere away from the central tourist hustle, while providing quick access to 30A's upscale dining and coastal communities. Location adds tangible value here. Ongoing community enhancements to multi-use paths make the area increasingly walkable and bike-friendly. Just a short stroll to grocery stores, pharmacy, restaurants and the charming boutiques at Carillon Beach Center For nature enthusiasts, this home sits just minutes from Camp Helen State Park, a 180-acre ecological gem located right at the Bay and Walton County line. Bordered by the Gulf and Lake Powell--Florida's largest coastal dune lake--the park offers a peaceful, old-Florida escape. Spend your days kayaking and paddleboarding the lake, hiking scenic trails through scrub oak forests and sand dunes, birdwatching, or exploring the park's historic district. When you are ready for thrills and entertainment, you are just a 7.8-mile drive from Pier Park's premier shopping and dining, the SkyWheel, pier fishing, Pirate's Voyage Dinner Show, and Shipwreck Island Waterpark. Whether you are seeking a generational family retreat or a lucrative, low-maintenance addition to your rental portfolio, this west-end gem delivers. This one stays rented so be sure to call and schedule your private showing while it's still available! Disclaimer: All information is believed to be accurate but is not guaranteed and should be independently verified by the buyer or buyer's agent. Rental income figures, projections, and performance data are estimates based on available records and are subject to change. Furnishings shown in photographs may differ slightly from current contents. Buyers are encouraged to confirm all material details, including property condition, income history, and inclusions, through their own due diligence.

Highlights

Listed by Billy G Seeberger , 850-238-5465 Think Real Estate , 850-270-4200. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.05

Year Built

2024

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Inlet Beach Heights

Listing ID

795692

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:3
  • ▪ 1/2 Bathrooms:1
Appliances:Electric Range, Electric Water Heater
Air Cond:Central Air
Fireplaces:
Other:
  • ▪ Additional:Balcony, Double Vanity, Interior Steps, Upper Level Primary

Exterior Features

Lot Dimensions:27.0 ft x 83.0 ft
Zoning:County
Roof:Metal
Others:
  • ▪ Additional:Covered Patio, Outdoor Shower
Sewer:Public Sewer
Principal Interest
$6,077
Taxes
$629

Home Price

$1,100,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$220,000
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:
$6,077.34

Principal

Taxes

Principal Taxes HOA Total
Monthly $6,077.34 $629.35 $0.00 $6,706.69
Yearly $72,928.10 $7,552.20 $0.00 $80,480.30
Total $2,187,842.96 $226,566.00 $0.00 $2,414,408.96

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

Never Miss a Property

Be the first to know when a property hits the market.

Current Listings

Last 30 Days
N/A
Oct 2026

Average Price

All Price Ranges
N/A
Oct 2026

Average Days on Market

All Price Ranges
N/A
Oct 2026
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

© 2026 Bay County Association of REALTORS