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Harrison Lilly Team

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

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10611 Front Beach Rd Unit 1703 , Panama City Beach, FL 32407
$950,000
Est. Payment: $5,248.61/mo
4 Bed
4 Bath
1637 Sqft
Status: Active | Days on site: 8
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Harrison Lilly Team
Owner/Operator

House Description

RARE 4-BEDROOM END UNIT WITH SHOW STOPPING GULF VIEWS! This spacious 4-bedroom, 4-bath end unit at Ocean Ritz offers the kind of Gulf-front living that's increasingly hard to find in Panama City Beach. With an open layout, abundant natural light, and sweeping views of the emerald Gulf and unforgettable PCB sunsets, this residence was made for gathering at the beach. Beautifully furnished and offering four true bedrooms with four full baths, there's plenty of room for family and guests while still enjoying the privacy of an end-unit location. Step outside and let the expansive Gulf views do the talking--from morning coffee to sunset, the backdrop never gets old. And a major bonus: a deeded parking space convey with the unit--an exceptional advantage for a four-bedroom condo at the beach. Whether you're searching for a second home, full-time coastal residence, or investment opportunity, this Ocean Ritz residence delivers the space, location and views buyers come to Panama City Beach for. Four bedrooms. Four baths. Two parking spaces. One incredible Gulf-front opportunity.

Highlights

Listed by Keeley M Smith , 309-361-4633 Corcoran Reverie SRB , 850-231-5030. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

1175 Monthly

Year Built

2006

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Ocean Ritz

Listing ID

795159

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:4
Appliances:Electric Cooktop, Electric Oven, Electric Water Heater
Other:
  • ▪ Additional:Double Vanity, Handicap Access, Main Level Primary, Walk-In Closet(s)

Exterior Features

Lot Dimensions:0x0
Zoning:Resid Multi-Family
Sewer:Public Sewer
Parking Features:Additional Parking
Principal Interest
$5,249
Taxes
$690
HOA
$1,175

Home Price

$950,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$190,000
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:
$5,248.61

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $5,248.61 $689.95 $1,175.00 $7,113.56
Yearly $62,983.36 $8,279.41 $14,100.00 $85,362.77
Total $1,889,500.74 $248,382.30 $423,000.00 $2,560,883.04

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