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Harrison Lilly

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

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10519 Front Beach Road 2203c , Panama City Beach, FL 32407
$370,000
Est. Payment: $1,876.57/mo
1 Bed
2 Bath
825 Sqft
Status: active | Days on site: 127
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

PENTHOUSE LEVEL. CURVED BALCONY DESIGN. GULF-FRONT VIEWS. Twin Palms 2203 in Panama City Beach, Florida is a top-floor penthouse residence positioned within one of the most recognizable Gulf-front condominium buildings along Front Beach Road. Located on the 22th floor with only a limited number of penthouse residences, this unit offers a more private setting and immediate access from the elevator, reducing hallway traffic and enhancing convenience for owners and guests. A defining feature of this residence is the curved balcony design, where the outward radius extends beyond traditional linear layouts. This architectural detail creates a broader Gulf-facing perspective, allowing for a more expansive view line compared to standard stacked balconies. Twin Palms is a Gulf-front condominium completed in 2004, consisting of approximately 91 units. The building is known for its central beachfront location, short-term rental allowance, and full-service amenity profile, supporting both personal use and rental demand. Amenities include direct Gulf-front beach access, a Gulf-facing outdoor pool and spa, an indoor hot tub, steam room, sauna, fitness center, outdoor grilling area, covered parking, and secured access with coded entry for both vehicle and pedestrian gates. Twin Palms is located along Front Beach Road in Panama City Beach within the central beach corridor, near established destinations including Pineapple Willy's and the Thomas Drive area, providing convenient access to dining, retail, and coastal attractions. Twin Palms 2203 represents a top-floor opportunity within a Gulf-front building that combines location, design, and amenity access in Panama City Beach. The 2026 HOA dues are $2,575.00/quarter. All information is deemed reliable but not guaranteed; buyer to verify if important.

Highlights

Listed by Alice de La Penha , 850-771-3150 Coldwell Banker Realty , 850-234-6696. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

Year Built

2004

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Twin Palms Resort

Listing ID

786906

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:1
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Washer/Dryer Stacked, Electric Oven, Electric Range, Electric Water Heater
Air Cond:Central Air
Fireplaces:
Other:
  • Additional:Main Level Primary, Tub Shower

Exterior Features

Lot Dimensions:0X0
Zoning:Resid Multi-Family
Sewer:Public Sewer
Parking Features:Electric Gate
Principal Interest
$1,877
Taxes
$363
HOA
$0

Home Price

$370,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$74,000
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:
$1,876.57

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,876.57 $362.50 $0.00 $2,239.07
Yearly $22,518.84 $4,350.00 $0.00 $26,868.84
Total $675,565.27 $130,500.00 $0.00 $806,065.27

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