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

13662 Front Beach Rd , Panama City Beach, FL 32413
$1,850,000
Est. Payment: $10,220.98/mo
5 Bed
5 Bath
2943 Sqft
0.06 Acres
Status: Active | Days on site: 26
Get Pre-Qualified
CBR6 - B10681
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

WIDE-OPEN GULF VIEWS. LUXURY RESORT LIVING. $167,000 IN 2026 RENTAL HISTORY. Welcome to a coastal retreat where the Gulf of Mexico takes center stage and every day feels like a vacation. Built in 2023 and offering nearly 3,000 square feet across three levels, this impressive 5-bedroom + bunk room beach home was designed for elevated coastal living. From the moment you step inside, bright open spaces, vaulted and beamed ceilings, upscale finishes and abundant natural light create a relaxed yet refined atmosphere. Multiple balconies extend the living space outdoors, capturing beautiful, wide-open Gulf views and giving you a front-row seat to unforgettable Florida sunsets. The open-concept kitchen and living areas were made for gathering, with a large island, breakfast bar, wet bar and plenty of space to entertain family and friends. With 5 bedrooms + a bunk room and multiple living areas, there's room for everyone while still offering the privacy expected from a luxury beach retreat. Outside, enjoy your own fenced outdoor space, hot tub and multiple areas to relax after a day on the sand. And unlike the high-rise experience, there's no waiting on elevators or navigating crowded hallways--simply step outside your own beach house and enjoy the coast. The home is located within Margaritaville Beach Cottage Resort, where the experience extends well beyond your front door. Owners and guests enjoy resort-style amenities including an expansive pool, pickleball and convenient beach access, all surrounded by the energy and lifestyle of Panama City Beach. Whether envisioned as a luxury second home, an unforgettable family beach retreat or a vacation-rental investment, this property offers the rare combination of newer construction, exceptional Gulf views, resort amenities and the privacy of a single-family beach home. This isn't simply a place to stay at the beach. It's the way the beach was meant to be experienced.

Highlights

Listed by Michael Tomlin , 850-499-2432 Coldwell Banker Realty , 850-650-4563. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.06

HOA Fee

1775 Quarterly

Year Built

2023

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Margaritaville Cottages

Listing ID

795240

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:5
  • ▪ Bathrooms:5
  • ▪ Full Bathrooms:4
  • ▪ 1/2 Bathrooms:1
Appliances:Bar Fridge, ENERGY STAR Qualified Appliances, Gas Cooktop, Gas Oven, Gas Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Home Theater

Exterior Features

Lot Dimensions:32.0 ft x 81.0 ft
Roof:Metal
Others:
  • ▪ Additional:Deck
Sewer:Public Sewer
Principal Interest
$10,221
Taxes
$1,400
HOA
$1,775

Home Price

$1,850,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$370,000
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:
$10,220.98

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $10,220.98 $1,400.06 $1,775.00 $13,396.04
Yearly $122,651.80 $16,800.70 $21,300.00 $160,752.50
Total $3,679,554.07 $504,021.00 $639,000.00 $4,822,575.07

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