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Harrison Lilly Team

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

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14415 Front Beach Rd Unit 1602 , Panama City Beach, FL 32413
$449,000
Est. Payment: $2,480.66/mo
2 Bed
2 Bath
1146 Sqft
Status: Active | Days on site: 365
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Harrison Lilly Team
Owner/Operator

House Description

Offered for sale is Ocean Reef Unit 1602, a two-bedroom, two-bath, gulf-front condo with a spacious 10x27 (270+ sq. ft.) balcony. The Unit 1602 floorplan features: a gulf-front living area and gulf-front master bedroom with separate balcony access; tiled floors; luxury vinyl bedroom flooring; and matching tile backsplash and bar facing. The Ocean Reef balcony size is fabulous and sets it apart from many other resorts. From the moment you walk-in you'll notice the beautiful gulf-views from the kitchen, dining, and living areas. The master bedroom features a private bath with double vanity. The guest bedroom is large enough for two beds and offers private access to the guest bathroom. The laundry room includes a side-by-side washer and dryer. Ocean Reef features two pools and a large hot-tub. The gulf-front pool is located directly behind the building. The indoor pool is perfect for colder days. Ocean Reef is perfectly situated! Just to the west, a short walk away, enjoy delicious meals at the beach-front Runaway Island Restaurant or venture across the street for yummy coffee and donuts at A'more or lunch at the Funland Snack Bar. Across the street you'll find the Hidden Lagoon mini golf and golf carts or shop at the large Alvin's Island Gift Shop. The famous Pier Park restaurant, entertainment, and shopping district is just 1.75 miles to the west. The new TopGolf restaurant, bar, and golfing fun is just 1.5 miles to the west. Unit 1602 includes your very own exclusive-use, assigned, parking space on level 2 under the building. No walking across the street or wasted time looking for a parking space. All dimensions and square footages are approximate and to be verified by buyer if important. The HVAC Unit is dated August 2021. *Living rom sofa does not convey.

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

778981

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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, Main Level Primary, Tub Shower

Exterior Features

Lot Dimensions:0x0
Roof:Membrane
Sewer:Public Sewer
Parking Features:Additional Parking
Principal Interest
$2,481
Taxes
$470
HOA
$2,663

Home Price

$449,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$89,800
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:
$2,480.66

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,480.66 $470.33 $2,662.86 $5,613.85
Yearly $29,767.92 $5,644.00 $31,954.32 $67,366.24
Total $893,037.72 $169,320.00 $958,629.60 $2,020,987.32

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

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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: 2026-10-07T03:46:57.000Z

© 2026 Bay County Association of REALTORS