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Harrison Lilly

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

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12011 Front Beach Road 201c , Panama City Beach, FL 32407
$658,000
Est. Payment: $3,336.91/mo
3 Bed
2 Bath
1588 Sqft
Status: active | Days on site: 41
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Wake up to breathtaking, unobstructed views of the sparkling emerald waters and sugar-white sands of Panama City Beach from this beautiful view positioned 3-bedroom, 2-bath condominium at Sterling Reef. Located on the highly desirable east side of the building, this second-floor unit offers a unique vantage point where it feels as though your balcony extends directly into the Gulf of America. Unlike many units in the area, this condo has never been used as a rental and has been privately owned, offering exceptional care and pride of ownership throughout. While short-term rentals are allowed, this property presents a rare opportunity to own a pristine, never-rented by current owners and a perfect beachfront retreat or establish a premium vacation rental investment. Perfectly situated next to MB Miller County Pier, you'll enjoy front-row seats to spectacular fireworks displays right from your private balcony. The second-floor location provides the ideal elevation for enjoying panoramic Gulf views while maintaining a close connection to the beach and water below. Sterling Reef offers outstanding amenities, including a Gulf-front pool, fitness center, activity room, grilling areas, and direct beach access. Conveniently located near dining, shopping, entertainment, and local attractions, this condo combines an unbeatable location with stunning views and exceptional ownership history. Opportunities like this don't come along often--don't let this one slip away! 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

977 Monthly

Year Built

2005

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Sterling Reef

Listing ID

791304

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Washer/Dryer Stacked, Electric Range
Air Cond:Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Main Level Primary

Exterior Features

Lot Dimensions:0x0
Sewer:Public Sewer
Principal Interest
$3,337
Taxes
$419
HOA
$977

Home Price

$658,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$131,600
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:
$3,336.91

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,336.91 $419.47 $977.00 $4,733.38
Yearly $40,042.86 $5,033.70 $11,724.00 $56,800.56
Total $1,201,285.88 $151,011.00 $351,720.00 $1,704,016.88

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

6%

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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