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Harrison Lilly

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

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12011 Front Beach Road 1004b , Panama City Beach, FL 32407
$429,900
Est. Payment: $2,180.37/mo
2 Bed
2 Bath
1076 Sqft
Status: active | Days on site: 176
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Enjoy stunning Gulf-front living with a true Gulf-front primary bedroom and gorgeous views from the living room, dining area, and kitchen. This charming condo is perfectly positioned on an ideal floor height to fully capture sweeping views of the Emerald Coast's sugar-white sands and emerald-green waters. Sterling Reef offers a prime Panama City Beach location just steps from Shipwreck Island Water Park and within walking distance to the fishing pier. The resort features outstanding amenities including a bi-level Gulf-front pool (heated seasonally), a fitness center overlooking the pool and beach, a terrace grilling area, an Owner's Lounge with flat-screen TV, and convenient covered parking located directly beneath the building. Whether you're searching for a personal beach getaway or a strong rental investment, this super cute condo is a must-see. Call today to make it yours!

Highlights

Listed by Michele Morros , 850-258-9878 and Ann Wohlford , 850-624-6909 Keller Williams Success Realty , 850-249-0313. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

977 Monthly

Year Built

2005

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Sterling Reef

Listing ID

784981

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 Oven
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Balcony, Double Vanity, Main Level Primary, Separate Shower

Exterior Features

Lot:Paved
Lot Dimensions:Gulf Front Condo
Zoning:Resort
Sewer:Public Sewer
Parking Features:Paved
Principal Interest
$2,180
Taxes
$455
HOA
$977

Home Price

$429,900

Loan Details

30 yrs
6.529%

Down Payment

20%
$85,980
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:
$2,180.37

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,180.37 $454.50 $977.00 $3,611.87
Yearly $26,164.46 $5,454.00 $11,724.00 $43,342.46
Total $784,933.81 $163,620.00 $351,720.00 $1,300,273.81

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