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Harrison Lilly

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

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16819 Front Beach Rd Unit 2903 , Panama City Beach, FL 32413
$425,000
Est. Payment: $2,155.52/mo
1 Bed
2 Bath
934 Sqft
Status: active | Days on site: 91
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Perched on the 29th floor with rare penthouse-level ceiling heights, this Gulf-front residence offers a noticeably brighter, more expansive feel than standard Tidewater units--an immediate difference you see the moment you walk through the door. Fully furnished and truly turn-key, this 1-bedroom, 2-bath plus bunk layout is designed to maximize both comfort and rental performance, easily accommodating guests while maintaining a clean, coastal aesthetic that today's buyers are searching for. Thoughtfully maintained and updated, the unit features fresh interior paint, a newer refrigerator, updated living room television, in-unit washer and dryer, and a water heater replaced within the past few years, providing peace of mind and minimizing upfront costs for the next owner. The elevated position on the 29th floor delivers sweeping, unobstructed views of the emerald Gulf waters, while the enhanced ceiling height creates an airy, open atmosphere rarely found outside of top-floor units. Tidewater Beach Resort offers one of the most comprehensive amenity packages on Panama City Beach, including two Gulf-front lagoon pools, indoor heated pool, Roman spa, sauna and hot tub, fitness center, on-site dining, movie theater, and direct beach access, making it a consistent favorite for vacationers year-round. Ideally located on the quieter west end of Panama City Beach, yet just minutes from Pier Park, Topgolf, and Pirates Voyage Dinner & Show, this property offers the perfect balance of accessibility and relaxation that both owners and guests value. Whether you are seeking a personal coastal retreat or a proven income-producing investment, Unit 2903 stands apart with its top-floor feel, strong rental appeal, and move-in-ready condition.

Highlights

Listed by STEPHANIE K Craven , 615-557-3887 Counts Real Estate Group Inc , 850-249-3615. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

Year Built

2007

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Tidewater Beach Phase I

Listing ID

785983

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:1
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Washer/Dryer Stacked, Electric Range, Electric Water Heater
Air Cond:Central Air
Fireplaces:
Other:
  • Additional:Handicap Access

Exterior Features

Lot Dimensions:0 x 0
Sewer:Public Sewer
Principal Interest
$2,156
Taxes
$380
HOA
$0

Home Price

$425,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$85,000
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:
$2,155.52

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,155.52 $380.17 $0.00 $2,535.69
Yearly $25,866.24 $4,562.00 $0.00 $30,428.24
Total $775,987.13 $136,860.00 $0.00 $912,847.13

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