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Harrison Lilly

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

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10625 Front Beach Rd Unit 2305 , Panama City Beach, FL 32407
$421,000
Est. Payment: $2,135.23/mo
2 Bed
2 Bath
1146 Sqft
Status: active | Days on site: 154
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Top-floor 2-Bedroom Condo at Ocean Villa. Discover unmatched coastal luxury in this gorgeous 2-bedroom unit at Ocean Villa, situated directly on the beautiful white sands of Panama City Beach. Boasting one of the largest balconies available in a two-bedroom floor plan, this home offers breathtaking Gulf vistas--ideal for savoring morning coffee at sunrise or unwinding amid stunning sunset colors. The interior features a welcoming open-concept layout, perfect for short weekend getaways or extended vacations. Units on the top five floors enjoy elevated 10-foot ceilings. The stylish, modern finishes include smooth tile flooring throughout for a clean, contemporary vibe. The upscale kitchen impresses with stainless steel appliances and elegant granite countertops, blending beauty with functional design. An owner's storage closet just outside the door provides added practicality. This condo is already part of a successful short-term rental program. Ocean Villa delivers exceptional amenities: two inviting pools (one outdoor and one seasonally heated indoor), a spacious hot tub, and a lively grilling area. Stay active or relax in the fully equipped fitness center, complete with sauna and steam room. Hassle-free access and safety are ensured by a covered walkover linking to a three-story parking garage across the street. Additional parking is offered in the two-story garage on the south side of Front Beach Road, right beneath the building. Don't miss your chance to own this turnkey beachfront treasure, where refined luxury embraces relaxed seaside living.

Highlights

Listed by Chris Arnold , 850-625-5113 Waterview Property Group LLC , 850-249-0307. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

632 Monthly

Year Built

2006

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Ocean Villa

Listing ID

786900

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Washer/Dryer Stacked, Electric Range
Air Cond:Central Air
Fireplaces:

Exterior Features

Lot Dimensions:IRR
Principal Interest
$2,135
Taxes
$476
HOA
$632

Home Price

$421,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$84,200
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:
$2,135.23

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,135.23 $475.67 $632.00 $3,242.90
Yearly $25,622.79 $5,708.00 $7,584.00 $38,914.79
Total $768,683.72 $171,240.00 $227,520.00 $1,167,443.72

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

© 2026 Bay County Association of REALTORS