Agent profile image in chat bubble
Agent profile image in chat header

Harrison Lilly

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

Agent profile image in message

12011 Front Beach Road 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: 317
Get Pre-Qualified
VCR-C15903466 - VCR-C159091383,VCR-C159052275

By providing your number, you are expressly consenting, in writing, to receive telemarketing and other messages, including calls or texts at the number you provided above. This consent is not required to purchase any good or service. Message and data rates may apply. Text STOP to cancel.

This site is protected by reCAPTCHA and the GooglePrivacy Policy and Terms of Service apply.

Agent profile image
Harrison Lilly
Owner/Operator

House Description

Welcome to Sunny Shore Oasis at Sterling Reef 1802B—an 18th-floor Gulf-front condo with sweeping views of turquoise waters and sugar-white sand. Enjoy brand-new luxury vinyl plank flooring (installed Sept 2025), a bright coastal design, and an open layout with balcony access from both the living room and Gulf-front primary suite. This fully furnished 2BR/2BA sleeps up to seven and is turnkey with excellent Airbnb reviews and 2025 bookings that convey. Sterling Reef offers resort-style pools, fitness center, grilling areas, and direct beach access near the County Pier and Pier Park.

Highlights

Listed by Jo Ann Revell , 850-234-6696 and Non Member Agent (NABOR) , 850-234-6696 Coldwell Banker Realty , 850-234-6696. Emerald Coast Multiple Listing Services

Property Type

Condo/Townhome

HOA Fee

Year Built

2005

County

Bay

Area

27 - Bay County

Neighborhood

Sterling Reef

Listing ID

989373

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Dishwasher, Disposal, Dryer, Microwave, Refrigerator, Stove/Oven Electric, Washer, Water Heater - Elect
Air Cond:Central Air
Fireplaces:
Floor:Floor Vinyl
Other:
  • Additional:Breakfast Bar, Elevator, Newly Painted, Split Bedroom, Washer/Dryer Hookup

Exterior Features

Lot:Unit Waterfront,Gulf
Sewer:Public Sewer
Parking Features:Covered
Principal Interest
$2,130
Taxes
$489
HOA
$0

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

Principal Taxes HOA Total
Monthly $2,130.16 $488.83 $0.00 $2,618.99
Yearly $25,561.93 $5,866.00 $0.00 $31,427.93
Total $766,857.87 $175,980.00 $0.00 $942,837.87

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

Never Miss a Property

Be the first to know when a property hits the market.

Current Listings

Last 30 Days
N/A
Aug 2026

Average Price

All Price Ranges
N/A
Aug 2026

Average Days on Market

All Price Ranges
N/A
Aug 2026
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 Emerald Coast Multiple Listing Services, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-08-20T06:32:47.000Z

© 2026 Emerald Coast Multiple Listing Services