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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 1505 , Panama City Beach, FL 32413
$468,000
Est. Payment: $2,373.61/mo
2 Bed
2 Bath
1146 Sqft
Status: active | Days on site: 98
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Offered for sale is Ocean Reef Unit 1505 -- a fully furnished 2-bedroom, 2-bath Gulf-front condominium with an expansive 10x28 private balcony and breathtaking views of the Emerald Coast. As of May 2026, this beautiful condo is now freshly painted throughout including all walls, doors, and trim. In addition, a new living room sofa has been added. From the moment you step inside, you're welcomed by stunning Gulf views visible from the entry, kitchen, dining, and living areas. The open-concept floor plan is designed for both comfort and entertaining, featuring elegant tile flooring, coastal décor, and abundant natural light throughout. Step outside to the oversized balcony with ample space for dining, relaxing, and gathering. Enjoy waterfront meals, morning coffee at sunrise, or unwind in the evening while listening to the soothing sound of the waves while admiring the beautiful sunsets. The living room offers plush furnishings and a 60'' wall-mounted TV with surround sound for the perfect movie night after a day at the beach. There's even a dedicated workspace for remote work or Zoom meetings -- because paradise and productivity can coexist. A well-appointed, fully equiped, kitchen features granite countertops, updated lighting, and stainless-steel appliances. The dining area comfortably seats six, with additional seating at the breakfast bar. The gulf-front primary suite offers balcony access, spectacular water views, a king-size bed, and a private en-suite bath -- your own peaceful retreat by the sea. A spacious guest bedroom accommodates two queen beds and provides private access to the guest bath. For your convenience, a separate laundry room includes new (2024) Whirlpool side-by-side washer and dryer, plus extra storage. It gets even better -- this unit includes an assigned, beachside covered parking space directly beneath the building. No searching for parking and no long walks across the street. Residents of Ocean Reef Resort enjoy over 300 feet of beachfront, a Gulf-front pool and hot tub, indoor pool, fitness center, and sauna. Ideally located just 1.5 miles from Pier Park -- home to premier shopping, dining, and entertainment -- and only one mile from Topgolf. beach-front restaurants, coffee and donut shops, gift stores, mini-golf, go-carts, and more are all within a couple of blocks. Additional updates include a new A/C and water heater (2019). All dimensions are approximate and should be verified by the buyer if important. This is Gulf-front living at its finest -- add Unit 1505 to your must-see list today. You'll be glad you did.

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

Year Built

2008

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Ocean Reef

Listing ID

785579

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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:

Exterior Features

Lot Dimensions:0x0
Roof:Membrane
Sewer:Public Sewer
Parking Features:Additional Parking
Principal Interest
$2,374
Taxes
$473
HOA
$0

Home Price

$468,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$93,600
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:
$2,373.61

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,373.61 $472.92 $0.00 $2,846.52
Yearly $28,483.29 $5,675.00 $0.00 $34,158.29
Total $854,498.77 $170,250.00 $0.00 $1,024,748.77

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

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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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