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Harrison Lilly

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

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16525 Front Beach Rd , Panama City Beach, FL 32413
$4,600,000
Est. Payment: $23,327.91/mo
6 Bed
7 Bath
3735 Sqft
Status: active | Days on site: 7
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Wake up to uninterrupted Gulf of Mexico views, step onto your private balcony, and hear nothing but waves. 16525 Front Beach Road is a fully furnished, turnkey beachfront home offering 50 feet of pristine Gulf frontage, its own beach walkover right out the back door over the dune, a heated pool, and rental projections of $359,000 annually with accommodations for up to 22 guests. Whether you're seeking a high-performing vacation rental on the Emerald Coast or a legacy Gulf front family retreat, this property delivers on every level. Maintained in like-new condition and offered fully furnished, this Gulf front home is move-in ready. With strong rental projections and capacity for large groups, it presents a compelling opportunity for investors seeking a premier beachfront vacation rental on the Emerald Coast. Built on concrete pilings for lasting structural integrity in the coastal environment, the home is designed to perform for decades to come. Designed to maximize Gulf views, the home features three expansive balconies connected by a spiral staircase, creating multiple outdoor living spaces with panoramic water views. Two Gulf-facing bedrooms open directly to their own balconies, letting guests wake up to the sound of waves and unobstructed views of the Gulf of Mexico. The second floor serves as the main living level, where an open-concept kitchen, dining, and living area flows seamlessly to a large balcony overlooking the beach. The kitchen is built for entertaining, featuring quartz countertops, custom cabinetry, a tile backsplash, a large island with seating for six, gas range, built-in ice maker, and double sinks. The first floor is designed for gathering and recreation, with a bunk room and recreation room that opens directly to the heated pool area. A built-in bar with ice maker and beverage refrigerator creates the perfect setup for poolside entertaining after a day on the beach. The primary suite offers Gulf views, a balcony, walk-in closet, double vanity, garden tub, and separate shower. Throughout the home you'll find shiplap accent walls, ensuite bathrooms in every bedroom, generous owner storage closets on each floor, and integrated WiFi extenders with indoor and outdoor speakers. Outside, a beach walkover, outdoor shower, Polywood outdoor furniture, and abundant parking round out a package that is rarely found in Gulf front homes. Positioned on a quiet stretch of beach with no nearby public walkovers, the shoreline here stays uncrowded, giving guests the feel of a private beach just steps from the door, while still being just minutes from Pier Park's restaurants, shopping, and entertainment. 16525 Front Beach Road is a rare Gulf front home where luxury amenities, an unbeatable location, and exceptional vacation rental income potential come together in one standout beachfront property.

Highlights

Listed by Beau Blankenship , 405-623-5227 Christies International Real Estate Emerald Coast , 850-213-2800. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.14

Year Built

2022

County

Bay

Area

03 - Bay County - Beach

Neighborhood

[No Recorded Subdiv]

Listing ID

793052

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:6
  • Bathrooms:7
  • Full Bathrooms:6
  • 1/2 Bathrooms:1
Appliances:Bar Fridge, Convection Oven, ENERGY STAR Qualified Appliances, Electric Oven, Gas Cooktop, Gas Oven, Gas Range, Gas Water Heater, Ice Maker, PlumbedForIce Maker, Tankless Water Heater
Air Cond:Central Air,Ceiling Fan(s),ENERGY STAR Qualified Equipment,Heat Pump
Fireplaces:
Other:
  • Additional:Balcony, Double Vanity, Interior Steps, Sitting Area in Primary, Soaking Tub, Separate Shower, Smart Thermostat, Walk-In Closet(s)

Exterior Features

Lot:Paved
Lot Dimensions:50.0 ft x 124.0 ft
Zoning:Resid Single Family
Roof:Metal
Others:
  • Additional:Covered Patio, Deck, Patio, Outdoor Kitchen, Outdoor Shower
Sewer:Public Sewer,Sewer Tap Paid
Parking Features:No Garage,Paved
Principal Interest
$23,328
Taxes
$2,933

Home Price

$4,600,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$920,000
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:
$23,327.91

Principal

Taxes

Principal Taxes HOA Total
Monthly $23,327.91 $2,932.50 $0.00 $26,260.41
Yearly $279,934.91 $35,190.00 $0.00 $315,124.91
Total $8,398,047.21 $1,055,700.00 $0.00 $9,453,747.21

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