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Harrison Lilly

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

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12011 Front Beach Road 1802b , Panama City Beach, FL 32407
$420,000
Est. Payment: $2,130.16/mo
2 Bed
2 Bath
1076 Sqft
Status: active | Days on site: 325
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to a sunny shore oasis at Sterling Reef 1802B. This 18th-floor Gulf front condo offers breathtaking views of turquoise waters and sugar-white sand. Brand new luxury vinyl plank flooring was installed in September 2025, complementing a bright coastal design and open layout that draws your eye to the horizon. The Gulf front primary suite opens to the balcony, which also connects to the living room, creating seamless indoor-outdoor living. With two bedrooms, and two baths, this fully furnished condo is turnkey and professionally styled. Marketed on Airbnb as Sunny Shore Oasis, it boasts outstanding reviews and secured bookings that convey to the new owner. Sterling Reef features resort-style amenities including two pools, a fitness center, outdoor grilling and picnic areas, and private beach access. Recent building updates include modernized elevators and exterior finishes. Located next to the County Pier, across from Shipwreck Island, and just minutes to Pier Park.

Highlights

Listed by Yvette Colona, GRI , 850-832-6893 Coldwell Banker Realty , 850-234-6696. 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

779790

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:2
  • Full Bathrooms:2
Other:
  • Additional:Main Level Primary

Exterior Features

Lot Dimensions:0
Sewer:Public Sewer
Principal Interest
$2,130
Taxes
$489
HOA
$977

Home Price

$420,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$84,000
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:
$2,130.16

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,130.16 $488.83 $977.00 $3,595.99
Yearly $25,561.93 $5,866.00 $11,724.00 $43,151.93
Total $766,857.87 $175,980.00 $351,720.00 $1,294,557.87

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