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Harrison Lilly Team

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

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21504 Front Beach Rd Unit 11 , Panama City Beach, FL 32413
$1,374,900
Est. Payment: $7,596.12/mo
4 Bed
3 Bath
2111 Sqft
0.05 Acres
Status: Active | Days on site: 34
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Harrison Lilly Team
Owner/Operator

House Description

Welcome to Panama Joe's--where the Florida Coastal Lifestyle meets exceptional vacation rental potential! This 4-bedroom, 3-bathroom vacation rental home is ideally positioned on the highly desirable West End of Panama City Beach, directly across the street from the Gulf. With Gulf views, a coastal dune lake in the backyard, and a proven history as a high-performing vacation rental, Panama Joe's offers an exceptional combination of lifestyle and investment opportunity. Just steps from the beach, guests can easily spend their days enjoying the sugar-white sand and emerald waters of the Gulf of Mexico, then return home to relax and take in the coastal surroundings. The Gulf views add an extra layer of appeal, while the coastal dune lake directly behind the property creates a truly unique backyard setting that is hard to replicate. Inside, the spacious 4-bedroom, 3-bath layout provides comfortable accommodations for families and groups, making this an ideal vacation home for generating rental income while still offering a place for the owners to enjoy themselves. The West End is known for its more relaxed coastal atmosphere while still putting you within easy reach of Panama City Beach's restaurants, entertainment, shopping, and attractions. Panama Joe's isn't simply an investment property--it's an opportunity to own a piece of the Florida Coastal Lifestyle while benefiting from an established vacation rental business. Gulf views in the front. A coastal dune lake in the backyard. The beach across the street. And income potential in between. That's Panama Joe's.

Highlights

Listed by Christopher C Jennings , 850-532-9449 CENTURY 21 AllPoints Realty , 850-230-4514. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.05

HOA Fee

750 Quarterly

Year Built

2003

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Riviera Beach Villas

Listing ID

795020

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:1

Exterior Features

Lot Dimensions:36.0 ft x 63.0 ft
Sewer:Public Sewer
Principal Interest
$7,596
Taxes
$836
HOA
$750

Home Price

$1,374,900

Loan Details

30 yrs
7.374%

Down Payment

20%
$274,980
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:
$7,596.12

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $7,596.12 $835.79 $750.00 $9,181.92
Yearly $91,153.49 $10,029.50 $9,000.00 $110,182.99
Total $2,734,604.81 $300,885.00 $270,000.00 $3,305,489.81

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