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Harrison Lilly Team

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

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10519 Front Beach Road 902b , Panama City Beach, FL 32407
$390,000
Est. Payment: $2,154.69/mo
2 Bed
2 Bath
1147 Sqft
Status: Pending | Days on site: 3
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Harrison Lilly Team
Owner/Operator

House Description

Gulf-front living, incredible views, and rental potential in the heart of Panama City Beach! This centrally located 2-bedroom, 2-bathroom condo at Twin Palms offers the perfect combination of a thoughtful floor plan, resort-style amenities, and a location that puts you right in the middle of everything that makes the beach so much fun! Step inside to an open and inviting living, dining, and kitchen area designed for easy living and entertaining. The spacious layout flows onto an oversized balcony where you can soak up breathtaking Gulf views. The primary suite also opens directly to the balcony, giving you the perfect spot to wake up to turquoise water views or unwind with a sunset. The split-bedroom floor plan provides privacy for everyone, making this condo ideal for family vacations, weekend getaways, or hosting guests. And for buyers looking for an investment opportunity, Twin Palms offers the potential to generate rental income while giving you a place to enjoy for yourself when you're ready for some beach time. The location is hard to beat! Grocery runs are easy with Walmart just minutes away, while some of the area's favorite local spots are right around the corner. Grab breakfast or lunch at Sunrise Cafe, tacos at Juan Taco, a meal and daiquiri at Pineapple Willy's, or satisfy your sweet tooth at Beach Cow Creamery or Parlor Donuts. Whatever you need, you're never far from several options! Twin Palms sits directly on the Gulf and offers an impressive lineup of amenities, including private beach access, a beachfront pool, indoor and outdoor hot tubs, sauna, steam room, fitness center, and convenient gated parking located directly beneath the complex. If you're searching for a vacation home, investment property, or a little bit of both, this one checks the boxes! Beautiful Gulf views, resort-style amenities, a prime location, and plenty of nearby restaurants, shopping, and entertainment make this a property worth seeing in person. Come take a look and start imagining your next beach day here!

Highlights

Listed by Kelli M Sullivan , 850-819-8246 and Renata Morse , 850-527-3923 Beachy Beach Real Estate , 850-233-4351. 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

795096

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Electric Oven, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Balcony, Main Level Primary

Exterior Features

Lot:Paved
Lot Dimensions:0x0
Zoning:Resort
Sewer:Public Sewer
Parking Features:Gated
Principal Interest
$2,155
Taxes
$322
HOA
$2,575

Home Price

$390,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$78,000
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:
$2,154.69

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,154.69 $321.59 $2,575.00 $5,051.28
Yearly $25,856.33 $3,859.03 $30,900.00 $60,615.36
Total $775,689.78 $115,770.90 $927,000.00 $1,818,460.68

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 Bay County Association of REALTORS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-10-07T08:07:44.000Z

© 2026 Bay County Association of REALTORS