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Harrison Lilly

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

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10519 Front Beach Road 405a , Panama City Beach, FL 32407
$465,000
Est. Payment: $2,358.15/mo
2 Bed
2 Bath
1183 Sqft
Status: pending | Days on site: 160
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to your dream coastal getaway in the heart of Panama City Beach! This stunning 2-bed, 2-bath end unit in the sought-after Twin Palms condo building offers unbeatable views of the Gulf of Mexico from a spacious wrap-around balcony--perfect for watching dolphins play in the surf or catching one of those famous Florida sunsets. Located on the 4th floor with open parking just steps from your front door, this unit combines convenience, comfort, and privacy. Skip the busy elevators--you're only four flights of stairs from the sand and surf! Inside, you'll find a well-maintained, beachy retreat with an owner's closet, ideal for storage or making this your part-time home. The trash chute is located on the opposite end of the hallway, keeping foot traffic minimal and your environment peaceful. This unit is rental-ready, generating $32,000 in gross rental income last year--and that's with the owners enjoying it for monthly stays! Imagine the potential. You'll love the easy walk to nearby restaurants, museums, and entertainment, with Walmart just a minute's drive away. When you're not relaxing on the balcony or on the beach, enjoy the resort-style amenities including a beachfront pool, hot tub, sauna, and more. Whether you're looking for an income-producing investment, a personal beach retreat, or a bit of both, this condo delivers. Come experience why Panama City Beach is home to the world's most beautiful beaches, where turquoise water meets sugar white sand.

Highlights

Listed by Team Don and Bubba , 850-624-8433 EXP Realty LLC , 888-883-8509. 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

785070

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Interior Features

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

Exterior Features

Lot Dimensions:0 X 0
Zoning:Resort
Sewer:Public Sewer
Parking Features:Gated
Principal Interest
$2,358
Taxes
$460
HOA
$0

Home Price

$465,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$93,000
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:
$2,358.15

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,358.15 $460.42 $0.00 $2,818.56
Yearly $28,297.77 $5,525.00 $0.00 $33,822.77
Total $848,933.03 $165,750.00 $0.00 $1,014,683.03

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

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