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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 1704 , Panama City Beach, FL 32413
$459,000
Est. Payment: $2,535.91/mo
2 Bed
2 Bath
1146 Sqft
Status: Active | Days on site: 7
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Harrison Lilly Team
Owner/Operator

House Description

Welcome to Ocean Reef Unit 1704, a beautifully decorated and upgraded 2-bedroom, 2-bathroom Gulf-front condominium in Panama City Beach. This desirable residence offers breathtaking Gulf views, an expansive private balcony, and a spacious floor plan designed for comfortable beach living, extended stays, and entertaining. The property also conveys with a deeded parking space located on Level 5. The large Gulf-front balcony provides plenty of room to relax, with chaise lounger and ample space for sunset dinners or drinks with friends. Custom tinting on the balcony doors helps reduce heat and glare while enhancing comfort inside. The primary suite overlooks the Gulf, allowing you to enjoy beautiful water views and the soothing sounds of the waves from both the living room and primary bedroom. The upgraded kitchen features leathered granite countertops, a breakfast bar, stainless steel appliances, and a custom backsplash. Additional interior features include vinyl plank flooring throughout, custom paint with an accent wall, leather furnishings, wall-mounted televisions, elegant bedroom furnishings, built-in shelving, and convenient bifold closet doors. The primary bathroom offers additional cabinetry, raised vanities, and upgraded countertops. The spacious guest bedroom includes two queen beds and private access to the guest bathroom. A full-size laundry room with additional cabinetry provides valuable storage, making this condo especially well-equipped for longer stays. The HVAC system was installed in January 2020, and the hot water heater was replaced in 2019. Parking is conveniently located under the building, near the elevators, and includes an exclusive assigned parking space, eliminating the hassle of searching for parking. Ocean Reef offers an impressive selection of resort amenities, including a Gulf-front heated pool, Gulf-front hot tub, indoor heated pool, steam room, sauna, fitness room, grilling area, and pet area. Owners are permitted to have pets. The location puts you close to everything Panama City Beach has to offer. Runaway Island Restaurant is an easy walk along the beach, offering beachfront dining, drinks, and spectacular sunset views. Pier Park's shopping, dining, and entertainment district is just over a mile west. With its stunning Gulf-front setting, spacious balcony, extensive upgrades, resort-style amenities, assigned parking, and convenient location, Ocean Reef Unit 1704 is an exceptional opportunity to own a beautiful beach retreat in Panama City Beach. Dimensions are approximate and should be verified if deemed important.

Highlights

Listed by Gene Ursprung P.A. , 850-890-1350 and Jennifer L Ursprung , 850-890-1349 Beach Time Realty, Inc , 850-381-3156. 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

794562

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Electric Cooktop, Electric Oven, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Balcony, Double Vanity, Tub Shower

Exterior Features

Lot:Paved
Lot Dimensions:Condo
Zoning:Resid Multi-Family
Roof:Flat,Membrane
Sewer:Public Sewer
Principal Interest
$2,536
Taxes
$475
HOA
$2,663

Home Price

$459,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$91,800
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:
$2,535.91

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,535.91 $475.35 $2,662.86 $5,674.12
Yearly $30,430.91 $5,704.16 $31,954.32 $68,089.39
Total $912,927.20 $171,124.80 $958,629.60 $2,042,681.60

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: 2026-10-07T05:07:46.000Z

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