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Harrison Lilly Team

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

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16819 Front Beach Rd Unit 314 , Panama City Beach, FL 32413
$529,000
Est. Payment: $2,922.65/mo
2 Bed
3 Bath
1131 Sqft
Status: Active | Days on site: 6
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EKCR - E2412
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Harrison Lilly Team
Owner/Operator

House Description

GULF-FRONT CONDO | THIRD FLOOR | 2 BEDROOMS + BUNK ROOM | 3 FULL BATHS | SLEEPS UP TO 8 | VACATION RENTAL | DOCUMENTED RENTAL INCOME Welcome to Tidewater 314--an exceptionally clean, thoughtfully updated, furnished Gulf-front condo on the desirable west end of Panama City Beach. Rental income AFTER PROPERTY-MANAGEMENT FEES was $32,627 in 2023, $25,545 in 2024, and $26,670 in 2025, before other ownership expenses. As of August 6, 2026, the condo had earned $33,500 GROSS for the year. Ask the listing agent for rental details. Nearly 70 guest reviews--overwhelmingly five-star--and many returning guests give this vacation rental an established track record. The reviews may remain with the RealJoy listing if the buyer continues with RealJoy; confirm arrangements with the management company. This 1,131-square-foot residence offers two bedrooms plus a separate bunk room, three full bathrooms, direct beach access, sweeping Gulf views, exceptional third-floor convenience, and established vacation-rental performance. Although the owners intentionally limited RealJoy bookings to six guests to reduce wear, the condo can accommodate up to eight--creating additional rental flexibility for its next owner. WHY TIDEWATER 314? ✓ THE IDEAL THIRD FLOOR--Enjoy sweeping Gulf-front views while remaining close enough to feel connected to the beach below. Morning coffee comes with emerald water, colorful sunsets, and passing dolphins--without being dozens of floors away from the fun.  ELEVATOR OPTIONAL--Unit 314 is only one level above the second-floor parking skybridge and can be reached quickly by elevator or stairs--an especially valuable advantage during busy vacation seasons.  EASY ARRIVALS--Move children, groceries, luggage, and beach gear safely from Tidewater's expansive covered parking garage across the enclosed skybridge without crossing busy Front Beach Road. One quick floor up, and vacation begins.  FLEXIBLE FAMILY-FRIENDLY LAYOUT--A king primary suite, queen guest suite, and twin-over-twin bunks comfortably accommodate six. The condo can accommodate up to eight guests, although RealJoy currently advertises six at the owners' request to reduce wear. The separate bunk room and three full bathrooms provide valuable space, privacy, and flexibility.  GULF-FRONT LIVING--Large windows fill the living area with natural light and Gulf views, while the spacious private balcony provides a front-row seat to emerald water, sugar-white sand, colorful sunsets and dolphins passing through the Gulf.  EXCEPTIONALLY CLEAN--The owners personally inspect and deep-clean the condo several times each year, address maintenance proactively, and keep every mattress and pillow enclosed in protective covers. It is the kind of vacation home where owners and guests can arrive, unpack and relax, knowing the details have been handled with care.  THOUGHTFULLY UPDATED--Features include a fresh contemporary color palette, refinished cabinetry, stainless-steel appliances, updated backsplash, wide kitchen with farmhouse sink, updated furnishings and hard-surface flooring throughout--NO CARPET. The water heater was replaced approximately two years ago.  PROVEN GUEST APPEAL--With nearly 70 guest reviews--overwhelmingly five-star--Tidewater 314 has an established history of exceptional vacation experiences. Guests repeatedly praise the Gulf views, cleanliness, convenient third-floor location, easy garage access, and family-friendly layout. Many guests return year after year. If the buyer continues with RealJoy, the existing reviews may remain with the rental listing; confirm arrangements with RealJoy.  ESTABLISHED RENTAL PERFORMANCE--Rental income after property-management fees was $32,627 in 2023, $25,545 in 2024, and $26,670 in 2025, before other ownership expenses. As of August 6, 2026, the condo had earned $33,500 GROSS for the year. The owners typically use the condo about four weeks annually, including winter stays, and limit advertised occupancy to six.  ROOM TO GROW--Although the condo can accommodate up to eight, the owners currently limit RealJoy rentals to six guests to reduce wear. RealJoy estimates that allowing eight guests could add approximately $5,000 a year in GROSS rental income. This is an estimate, not a guarantee. WHY TIDEWATER BEACH RESORT?  YEAR-ROUND WATER FUN--Enjoy two expansive Gulf-front lagoon pools, an indoor heated pool and multiple hot tubs. Even when beach weather does not cooperate, guests still have a warm place to swim and play.  FITNESS AND RELAXATION--The resort offers a 4,300-square-foot Gulf-front fitness center, Roman spa, indoor whirlpool, saunas and steam rooms--all without leaving the property.  ENTERTAINMENT FOR EVERYONE--An on-site movie theater, arcade and game room provide easy entertainment for children, teenagers and adults, especially on rainy days or quiet evenings.  BUSINESS MEETS THE BEACH--Tidewater's impressive 5,000-square-foot Gulf-front conference center and business-friendly facilities allow owners and guests to work remotely, conduct meetings, or combine a business gathering with a beachfront stay. Business owners should consult their tax professional regarding any potential deductions related to qualified business, travel, or rental use.  MORE WITHOUT LEAVING THE RESORT--On-site dining, a Gulf-front restaurant and bar, poolside tiki bar, coffee and convenience market, BBQ and picnic area, 5,000-square-foot conference center and 30th-floor owners' lounge keep dining, recreation, relaxation and business facilities close at hand. Seasonal availability and operating hours may vary.  DIRECT BEACH ACCESS--Approximately 600 feet of Gulf frontage places the resort directly on Panama City Beach's sugar-white sand and emerald-green water.  COVERED PARKING AND SKYWALK--The expansive covered parking garage connects to the resort through an enclosed second-floor pedestrian skybridge, allowing owners and guests to avoid crossing busy Front Beach Road.  ASSOCIATION IMPROVEMENTS--The building and parking garage were recently repainted. Balcony repainting is scheduled to begin in the fall, and elevator modernization is planned. Tidewater Phase II currently has no announced special assessment for these improvements, and the sellers report no special assessments during their ownership.  OUTSTANDING WEST-END LOCATION--Tidewater is approximately one-half mile from Pier Park and convenient to Russell-Fields Pier, Aaron Bessant Park, Frank Brown Park, McGuire's Irish Pub, shopping, dining, entertainment and special events.  EASY TO REACH AND EXPLORE--Northwest Florida Beaches International Airport and the renowned beach communities along Scenic Highway 30A are within easy reach.  ADVENTURE NEARBY--Golf, deep-sea fishing, boating, kayaking, parasailing, jet skiing, snorkeling, diving, mini golf, water parks, and abundant family entertainment are all close at hand. Whether you are searching for a proven Panama City Beach vacation rental, short-term rental investment, furnished Gulf-front condo, second home, or family beach retreat, Tidewater 314 offers a rare combination of views, low-floor convenience, cleanliness, resort amenities, west-end location, and established guest appeal. This is the Panama City Beach condo owners and guests will enjoy--and remember.

Highlights

Listed by Darlene S Kluck , 850-865-7355 Lokation , 954-545-5583. Emerald Coast Multiple Listing Services

Property Type

Condo/Townhome

HOA Fee

Year Built

2007

County

Bay

Area

27 - Bay County

Neighborhood

Tidewater Beach Stage 2

Listing ID

1012209

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Dishwasher, Disposal, Dryer, Microwave, Oven Self Cleaning, Refrigerator, Refrigerator W/IceMk, Smoke Detector, Smooth Stovetop Rnge, Stove/Oven Electric, Washer, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Tile,Floor Vinyl,Floor WW Carpet
Other:
  • ▪ Additional:Breakfast Bar, Ceiling Crwn Molding, Elevator, Hallway Bunk Beds, Lighting Recessed, Lighting Track, Owner's Closet, Washer/Dryer Hookup

Exterior Features

Lot:Gulf
Others:
  • ▪ Additional:Balcony, BBQ Pit/Grill, Hot Tub, Pool - Enclosed, Sauna/Steam, Shower, Deck Open, Patio Covered
Sewer:Public Sewer
Parking Features:Garage,Covered
Principal Interest
$2,923
Taxes
$470
HOA
$0

Home Price

$529,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$105,800
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:
$2,922.65

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,922.65 $469.72 $0.00 $3,392.37
Yearly $35,071.79 $5,636.60 $0.00 $40,708.39
Total $1,052,153.57 $169,098.00 $0.00 $1,221,251.57

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

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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.

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Data last updated: 2026-10-07T11:00:03.000Z

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