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Harrison Lilly

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

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12011 Front Beach Road 1902b , Panama City Beach, FL 32407
$439,900
Est. Payment: $2,231.09/mo
2 Bed
2 Bath
1076 Sqft
Status: active | Days on site: 88
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Experience coastal living at its finest in this stunning 19th floor penthouse Gulf-front condo at Sterling Reef Condominiums. This beautifully updated two-bedroom, two-bath residence offers breathtaking views of the turquoise and emerald-green waters of the Gulf, perfectly complemented by sugar-white sands stretching for miles. Designed for both comfort and style, this turnkey-rental ready condo comfortably sleeps up to six guests and features fresh updates throughout--including new paint completed within the last week, along with a new couch, chair, and rug that bring a bright, modern feel to the space. The open living area flows seamlessly onto a spacious Gulf-front balcony, where you can relax, dine, or simply take in the unforgettable sunsets. The primary suite is a true retreat, complete with a private en-suite bath and its own direct balcony access--perfect for enjoying your morning coffee with the sound of the waves. The second bedroom and full bath provide ample space and privacy for guests or family. Sterling Reef offers exceptional amenities, including a beachfront pool, fitness center, outdoor grilling stations, and picnic areas--everything you need for the perfect beachside lifestyle. The location is unbeatable: situated directly next to M.B. Miller County Pier, you'll have front-row seats to incredible views and fishing opportunities. You're also across the street from Shipwreck Island Waterpark and just minutes from shopping, dining, and entertainment at Pier Park. Even better, enjoy spectacular Independence Day fireworks right from your own balcony--no crowds required. This condo is a proven rental with great rental history. Even better, reservations are already secured for 2026, offering immediate, turnkey income for the next owner. Whether you're looking for a personal getaway, investment property, or vacation rental, this penthouse truly has it all--luxury, location, and lifestyle you simply can't beat. All measurements and items if importance are to be confirmed by buyer or buyer agent.

Highlights

Listed by Kay H Pate , 205-382-0647 and Patrick D Pate , 850-381-7273 Beach Haven Realty , 770-596-6599. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

980 Monthly

Year Built

2005

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Sterling Reef

Listing ID

789284

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Convection Oven, Washer/Dryer Stacked, Electric Cooktop, Ice Maker
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Balcony, Main Level Primary

Exterior Features

Lot Dimensions:0x0
Sewer:Public Sewer
Principal Interest
$2,231
Taxes
$280
HOA
$980

Home Price

$439,900

Loan Details

30 yrs
6.529%

Down Payment

20%
$87,980
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:
$2,231.09

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,231.09 $280.44 $980.00 $3,491.53
Yearly $26,773.08 $3,365.24 $11,760.00 $41,898.31
Total $803,192.33 $100,957.05 $352,800.00 $1,256,949.38

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