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Harrison Lilly

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

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14415 Front Beach Rd Unit 1308 , Panama City Beach, FL 32413
$460,000
Est. Payment: $2,332.79/mo
2 Bed
2 Bath
1146 Sqft
Status: active with contingency | Days on site: 48
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS. Ocean Reef 1308 - Gulf-Front Luxury in Panama City Beach. Welcome to Ocean Reef 1308, a nicely appointed 2-bedroom, 2-bath Gulf-front condominium offering breathtaking views of the emerald waters and sugar-white sands of Panama City Beach. Located in Ocean Reef Resort, this exceptional residence features a spacious 10' x 28' beach-front balcony perfect for sunbathing or enjoying meals and drinks while admiring the stunning sunsets and Gulf views. Inside, you'll find an open-concept floor plan designed to maximize both comfort and scenery. Luxury vinyl plank flooring flows throughout the main living areas, while expansive sliding glass doors showcase spectacular Gulf views from the entryway, kitchen, dining area, living room, and primary suite. The well-appointed kitchen features stainless steel appliances, tiled backsplash, breakfast bar seating, and custom designer light fixture. The Gulf-front primary suite offers private balcony access, a king-size bed, and ensuite bath with double vanity. A spacious guest bedroom easily accommodates two queen beds, making it ideal for family and guests. The guest bath provides private access to the guest bedroom and accessibility to the main living area. Both bathrooms feature combination shower/tubs and are upgraded with stylish vanity countertops, mirrors, and fixtures. A separate laundry room includes washer, dryer, additional storage cabinetry, and wall hooks for beach gear and accessories. Offered fully furnished and rental-ready, this turnkey property is an excellent opportunity for a vacation home, investment property, or full-time beachfront residence. You'll love the exclusive, assigned, parking space making parking a breeze. Ocean Reef owners and guests enjoy outstanding resort amenities, including a Gulf-front outdoor pool and hot tub, indoor heated pool, steam room, sauna, fitness center, and outdoor grilling area. Conveniently located near some of Panama City Beach's most popular attractions, you'll find Hidden Lagoon Mini Golf & Racetrack, Alvin's Island, and a local coffee and donut shop just across the street. Beachfront dining and cocktails await next door at Runaway Island. Pier Park, located just 1.5 miles away, features premier shopping, dining, and entertainment including: The Grand 16 Theater, Topgolf, PCB SkyWheel, and new Pirates Voyage Dinner Show. Whether you're searching for an investment property or your own piece of paradise, Ocean Reef 1308 deserves a place at the top of your must-see list. Buyer to verify all square footages and room dimensions if important.

Highlights

Listed by John L Smith , 850-830-9096 Distinctive Beach Real Estate , 850-830-9096. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

2662.86 Quarterly

Year Built

2008

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Ocean Reef

Listing ID

791836

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Electric Range, Electric Water Heater
Air Cond:Ceiling Fan(s),Heat Pump
Fireplaces:
Other:
  • Additional:Balcony, Double Vanity, Tub Shower

Exterior Features

Lot Dimensions:0x0
Roof:Membrane
Sewer:Public Sewer
Parking Features:Additional Parking
Principal Interest
$2,333
Taxes
$293
HOA
$2,663

Home Price

$460,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$92,000
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:
$2,332.79

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,332.79 $293.25 $2,662.86 $5,288.90
Yearly $27,993.49 $3,519.00 $31,954.32 $63,466.81
Total $839,804.72 $105,570.00 $958,629.60 $1,904,004.32

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

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