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Harrison Lilly

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

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14415 Front Beach Rd Unit 2201 , Panama City Beach, FL 32413
$820,000
Est. Payment: $4,158.45/mo
4 Bed
3 Bath
1600 Sqft
Status: active | Days on site: 180
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

This is your opportunity to own a rare 4 bedroom + 3 full bath luxurious Gulf front condo in PCB. This east end Ocean Reef condo features an oversized 10x28 balcony with scenic views from St Andrews State Park and all the way to San Destin! And, this is one of the few resorts with underground assigned parking (no parking across the street and dealing with walkovers). This condo owner has spared no expense in transforming this open concept condo into a ''coastal paradise'' with bright new wall colors, porcelain tile flooring throughout, crown molding, all stainless appliances, new furniture, artwork, linens, and wall decorations. The king master suite is gulf-front with balcony access and a private bath with double vanities, plus extra closet storage. The second master bedroom. click more is spacious with private access to the full guest bathroom. The third and fourth bedrooms have north views and share a full, ''Jack and Jill'' bath. There is a granite top breakfast bar, oversized dining area, pantry, and a separate laundry room with full sized washer and dryer. The owners have also installed an ''Ecobee'' smart thermostat to reduce heating and cooling costs. The Ocean Reef Resort features over 300 feet of linear beach, a gulf-front heated (seasonally) pool, indoor heated pool, large hot-tub, grill area, fitness room, and sauna. You'll also reap the benefit of the fractional association dues! At Ocean Reef, all units pay the same amount regardless of square footage. As a larger four bedroom condo, your dues amount will be the same as a smaller two-bedroom unit in the building grills. The location is conveniently located within 1.5 miles of the famous Pier Park entertainment, restaurant, shopping district, and the new Top Golf + Dolly Parton Pirates Theaer.

Highlights

Listed by Ricky Lee Jones , 850-290-2901 and Karen E Jones , 850-290-2908 The Premier Property Group , 850-213-5000. Emerald Coast Multiple Listing Services

Property Type

Condo/Townhome

HOA Fee

Year Built

2008

County

Bay

Area

27 - Bay County

Neighborhood

Ocean Reef

Listing ID

988341

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Cooktop, Dishwasher, Disposal, Dryer, Microwave, Oven Self Cleaning, Refrigerator W/IceMk, Smoke Detector, Stove/Oven Electric, Washer, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:

Exterior Features

Lot:Gulf
Sewer:Community Sewer
Parking Features:Garage
Principal Interest
$4,158
Taxes
$781
HOA
$0

Home Price

$820,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$164,000
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:
$4,158.45

Principal

Taxes

Principal Taxes HOA Total
Monthly $4,158.45 $780.89 $0.00 $4,939.35
Yearly $49,901.44 $9,370.73 $0.00 $59,272.17
Total $1,497,043.20 $281,121.90 $0.00 $1,778,165.10

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 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

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