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Harrison Lilly

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

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10515 Front Beach Rd Unit 1106 , Panama City Beach, FL 32407
$799,900
Est. Payment: $4,056.52/mo
3 Bed
3 Bath
1769 Sqft
Status: active | Days on site: 44
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

3/3 beachfront condo in Long Beach Towers III in Panama City Beach. Gulf views + rental-ready with lockout potential. Built 1998. This 3 bedroom, 3 bathroom beachfront condo in Long Beach Towers III offers direct Gulf frontage, strong vacation rental potential, and immediate occupancy in Panama City Beach. The unit is positioned for buyers seeking both personal use and income, with short term rentals allowed and an existing layout that supports flexible rental strategies including lockout capability. Inside, the 1,769 square foot layout features floor to ceiling windows spanning approximately 46 feet, bringing Gulf views into every room. All three bedrooms have balcony access, including a third bedroom with its own private balcony. The unit is fully tiled throughout and includes a kitchen with granite countertops, tiled backsplash, soft close cabinetry, and a full appliance package. Bathrooms have been updated with double vanities, glass and tile showers, and updated lighting, mirrors, and hardware. A full size washer and dryer are included for convenience. Key systems have been addressed with the air conditioner replaced in 2020 and the water heater, washer, dryer, and microwave replaced in 2023. The unit is sold furnished and is move in or rental ready. The potential lockout configuration allows the property to function as a full 3 bedroom or split into separate 2 bedroom and 1 bedroom rentals, offering flexibility for income optimization and owner use. The oversized beachfront balcony provides direct views of the Gulf and access from multiple rooms, creating a consistent indoor outdoor living experience. Long Beach Resort amenities include multiple pools, hot tubs, beach access, fitness center, gated entry, and on site security. Located in central Panama City Beach, the property is within close proximity to shopping, dining, entertainment, and grocery options, with additional attractions, marinas, and state park access a short distance away. The community allows short term rentals and includes utilities and services such as water, sewer, internet, cable, and maintenance within the HOA structure.

Highlights

Listed by Cindy Morehouse , 850-822-1055 and Greg B Taylor , 850-896-4173 Counts Real Estate Group Inc , 850-249-3615. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

Year Built

1998

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Long Beach Towers III

Listing ID

789238

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Bar Fridge, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Double Vanity, Main Level Primary, Tub Shower, Walk-In Closet(s)

Exterior Features

Lot:Paved
Lot Dimensions:condo
Zoning:Resid Multi-Family, Resort
Sewer:Public Sewer
Parking Features:Parking Lot,Gated
Principal Interest
$4,057
Taxes
$722
HOA
$0

Home Price

$799,900

Loan Details

30 yrs
6.528%

Down Payment

20%
$159,980
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:
$4,056.52

Principal

Taxes

Principal Taxes HOA Total
Monthly $4,056.52 $721.83 $0.00 $4,778.35
Yearly $48,678.25 $8,662.00 $0.00 $57,340.25
Total $1,460,347.38 $259,860.00 $0.00 $1,720,207.38

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

6%

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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