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Harrison Lilly

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

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10519 Front Beach Road 1602b , Panama City Beach, FL 32407
$525,000
Est. Payment: $2,662.42/mo
2 Bed
2 Bath
1147 Sqft
Status: active | Days on site: 92
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Gulf-Front Luxury Retreat at - Panama City Beach, FL. Welcome to your ultimate beachfront escape at Twin Palms Condominiums, where luxury meets the laid-back coastal lifestyle along the world-renowned shores of Panama City Beach. This stunning Gulf-front condo has been completely renovated with high-end, luxury finishes throughout, creating a modern and inviting retreat that is equally suited as a high-performing vacation rental, a second home, or a full-time residence. Inside, you'll find a thoughtfully designed interior with updated flooring, a beautifully upgraded kitchen, and spa-inspired bathrooms, all curated to reflect a sophisticated coastal aesthetic. The open living area flows seamlessly onto an extra-large private balcony overlooking the Gulf, offering breathtaking, unobstructed views of emerald waters and sugar-white sands. This expansive outdoor space not only enhances everyday living with room to relax or entertain, but also adds significant rental appeal, as guests consistently seek larger balconies to fully enjoy the beachfront experience. The primary suite offers direct access to this balcony, allowing you to wake up to the sound of the waves and step outside to take in the sunrise or unwind in the evening with spectacular sunsets. Just outside your front door, you'll also appreciate the convenience of an additional owner's storage closet, perfect for securely storing beach gear or personal belongings. Twin Palms Condominiums is known for its desirable Gulf-front setting and resort-style amenities, including private beach access, a beachfront pool, indoor and outdoor hot tubs, a sauna and steam room, a well-equipped fitness center, and covered parking, all designed to enhance both owner enjoyment and guest satisfaction. Located in a prime area of Panama City Beach, this property provides easy access to popular dining, shopping, and entertainment, as well as nearby attractions like St. Andrews State Park, making it highly attractive to vacationers year-round. The combination of location, amenities, and luxury upgrades makes this condo an exceptional investment opportunity with strong rental potential, whether you continue hosting established returning guests or create your own rental program. For those seeking a tropical retreat, this property offers the perfect escape from colder climates, inviting you to enjoy warm Gulf breezes, sunshine-filled days, and the relaxed rhythm of beachfront living. Whether your goal is income generation, seasonal enjoyment, or making your Florida Gulf dream a reality, this beautifully renovated condo at Twin Palms delivers an unmatched opportunity to live where others vacation.

Highlights

Listed by Gina Williams , 850-890-4330 Chipola Realty, Chipley Office , 850-638-2777. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

2575 Quarterly

Year Built

2004

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Twin Palms Resort

Listing ID

789309

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:2
  • Full Bathrooms:2

Exterior Features

Lot Dimensions:0x0
Sewer:Public Sewer
Principal Interest
$2,662
Taxes
$445
HOA
$2,575

Home Price

$525,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$105,000
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:
$2,662.42

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,662.42 $444.92 $2,575.00 $5,682.34
Yearly $31,949.09 $5,339.00 $30,900.00 $68,188.09
Total $958,472.78 $160,170.00 $927,000.00 $2,045,642.78

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