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Harrison Lilly Team

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

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23223 Front Beach Road A139 , Panama City Beach, FL 32413
$309,000
Est. Payment: $1,707.18/mo
2 Bed
3 Bath
983 Sqft
Status: Active | Days on site: 189
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DWINC - B11081
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Harrison Lilly Team
Owner/Operator

House Description

This is not just a condo, it is a rare opportunity to own beach life, lake life, boat life, and resort life all in one place. Welcome to this beautifully updated, fully furnished, and rental-ready 2-bedroom, 2.5-bath condo in the highly sought-after gated community of Pinnacle Port in Panama City Beach. This unique unit offers the best of both worlds with a Gulf view from the primary bedroom and a Lake Powell view from the second bedroom, giving you an incredible water-view experience on both sides. Enjoy peaceful mornings, stunning sunsets, dolphin sightings in the Gulf, and the natural beauty of one of the most special coastal locations in Florida. Updated and turn-key, this property features luxury vinyl flooring (2023), HVAC (2021), washer and dryer (2022), appliances (2022), furniture (2022), fresh paint, and new granite countertops. Whether you are looking for a primary residence, second home, or income-producing vacation rental, this condo checks every box. Pinnacle Port sits on 25 acres between the Gulf of Mexico and Lake Powell, Florida's largest coastal dune lake, where freshwater meets saltwater in an incredibly rare natural setting. Located next to Camp Helen State Park, you are surrounded by preserved beauty, wildlife, hiking, kayaking, fishing, swimming, and endless outdoor adventure. The community offers outstanding resort-style amenities including two pools, one heated and open year-round, pickleball, tennis, bocce ball, shuffleboard, basketball, sauna, steam room, fitness center, grills, boat ramp, boat slips, and fishing pier. With 24/7 gated entry monitoring, privacy and peace of mind come built in. An added bonus is that the HOA includes almost all utilities, including electricity for heating, cooling, and hot water, so owners typically only pay a small monthly electric bill for lights. Just minutes from 30A, shopping, dining, Publix, and ALDI, yet once inside the gate, it feels like a private island escape. If you want views, privacy, nature, boating, fishing, beach access, and strong rental potential, this is the one.

Highlights

Listed by Alina Kvasha , 850-708-5868 Dalton Wade Inc , 888-668-8283. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

3512.2 Quarterly

Year Built

1970

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Pinnacle Port Phase 1-A

Listing ID

787507

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:1
Appliances:Washer/Dryer Stacked, Electric Oven, Electric Range
Air Cond:Central Air
Fireplaces:
Other:
  • ▪ Additional:Balcony, Upper Level Primary

Exterior Features

Lot Dimensions:0
Roof:Shingle
Sewer:Public Sewer
Principal Interest
$1,707
Taxes
$358
HOA
$3,512

Home Price

$309,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$61,800
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:
$1,707.18

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,707.18 $358.42 $3,512.20 $5,577.80
Yearly $20,486.17 $4,301.00 $42,146.40 $66,933.57
Total $614,584.98 $129,030.00 $1,264,392.00 $2,008,006.98

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

© 2026 Bay County Association of REALTORS