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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 805 , Panama City Beach, FL 32413
$462,000
Est. Payment: $2,342.93/mo
2 Bed
2 Bath
1146 Sqft
Status: active | Days on site: 60
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to Ocean Reef Unit 805 in beautiful Panama City Beach--home of the World's Most Beautiful Beaches. This Gulf-front condo offers the perfect blend of comfort, convenience, and breathtaking scenery. A recent property refresh includes all new stainless steel appliances (May 2026) and complete custom re-paint of all walls, doors, and trim (June 2026). Perched on the ideal 8th floor, this 2-bedroom, 2-bath residence strikes the perfect balance--high enough for sweeping panoramic views, yet close enough to truly feel connected to the shoreline below. Step out onto the expansive 10x28 balcony and take in uninterrupted vistas of sugar-white sands and the emerald waters of the Gulf. Inside, the open-concept layout is designed to maximize those stunning views, with the kitchen, dining, and living areas all oriented toward the water. The living room features a comfortable sectional sofa and recliner (recently purchased in 2024), perfect for napping after a day at the beach. The spacious primary suite features private balcony access, allowing you to wake up to the sound of the waves, along with a well-appointed ensuite bath. The guest bedroom is generously sized to accommodate two queen beds and offers convenient access to a full guest bath--perfect for hosting family and friends. A versatile laundry room provides space for either a stacked or side-by-side washer and dryer setup, adding everyday practicality to this coastal retreat. Ocean Reef boasts an impressive array of amenities, including over 330 feet of pristine beachfront, a Gulf-front pool, indoor pool, hot tub, sauna, fitness center, meeting room, and grilling area--everything you need for relaxation or entertaining. Adding to the ease of ownership, a reserved parking space is included and conveniently located beneath the building near the elevators--providing quick, effortless access to your condo without the hassle of crossing the street or making long trips to a separate garage. Ideally located, you're just a short stroll from beachfront dining, casual cafes, and family-friendly attractions, with the vibrant Pier Park district only a little over a mile away. There, you'll find premier shopping, dining, entertainment, and popular attractions. For added peace of mind, the Carrier HVAC system was replaced in 2020. Whether you're searching for a primary residence, vacation getaway, or investment opportunity, Unit 805 offers the ultimate Panama City Beach lifestyle. All dimensions and square footages to be verified by buyer 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

Year Built

2008

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Ocean Reef

Listing ID

788872

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Washer/Dryer Stacked, 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
$2,343
Taxes
$473
HOA
$0

Home Price

$462,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$92,400
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:
$2,342.93

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,342.93 $472.92 $0.00 $2,815.85
Yearly $28,115.20 $5,675.00 $0.00 $33,790.20
Total $843,456.05 $170,250.00 $0.00 $1,013,706.05

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