12011 Front Beach Rd, Unit 1004

Panama City Beach, FL 32407

$445,000
Price
2
Beds
1,076 Sq. Ft.
$414 / Sq. Ft.
1,076
Sq. Ft.
$414
per Sq. Ft.
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View of the Pier
Sterling Reef
Sterling Reef
View of the Pier
Spacious Balcony
Gulf Front Pool
Kitchen
Kitchen
Kitchen
Open Layout
Tile Floors
Open Layout
Gulf Front Master
Master Bath
2nd Bedroom
Second Bath
Laundry
Foyer
Sterling Reef
Park under the building
Gulf Front Pool
Gulf Front Pool
Gulf Front Pool
Fitness Room
Grill Out Area
Walk to the Pier!
Pool
Sterling Reef
Sterling Reef
Sterling Reef

Description

GULF FRONT master bedroom, gorgeous views from the living room, dining area and kitchen. Sterling Reef has an ideal location in Panama City Beach, only steps to Shipwreck Island Water Park and within walking distance of the fishing pier! Come see this super cute condo; located on the perfect floor height to take advantage of the gulf views of the Emerald Coast's sandy white beaches and emerald green waters. Sterling Reef features many amenities including a bi-level pool (heated in the winter), fitness...GULF FRONT master bedroom, gorgeous views from the living room, dining area and kitchen. Sterling Reef has an ideal location in Panama City Beach, only steps to Shipwreck Island Water Park and within walking distance of the fishing pier! Come see this super cute condo; located on the perfect floor height to take advantage of the gulf views of the Emerald Coast's sandy white beaches and emerald green waters. Sterling Reef features many amenities including a bi-level pool (heated in the winter), fitness center overlooking the pool and beach area, grilling area on the terrace, Owner's Room with flatscreen TV, and convenient covered parking right under your building. Call today to make this your new vacation home or rental investment at the beach!

Property Details for 12011 Front Beach Road, Unit 1004

Waterfront Features
Gulf
View
Gulf
Architectural Style
N/A
Subdivision Name
STERLING REEF
Waterfront YN
Yes
LISTING UPDATED: 05/15/2026 12:39 PM

Property Details for 12011 Front Beach Road, Unit 1004

StatusActive
MLS #966099
Days on Market308
Pet Policy-
Taxes-
HOA Fees-
Condo/Co-op Fees-
Property TypeCondo
MLS TypeResidential / Condominium
Year Built2005
CountyBay County
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Location

Listing Courtesy of Keller Williams Success Realty
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Building Information for 12011 Front Beach Road, Unit 1004

Building/Complex12011 Front Beach RdFloor10Stories-Residences-Pet Policy-Pet Policy Details-Year Built2005

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$2,217 per month

30 year fixed, 6.36% Interest

Principal and Interest

$2,217

Property Taxes

$0

HOA Dues

$0

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Property Information for 12011 Front Beach Road, Unit 1004

Summary
Location and General Information
  • Community Features: Short Term Rental - Allowed, BBQ Pit/Grill, Beach, Elevators, Exercise Room, Pets Allowed, Pool, TV Cable, Waterfront
  • Directions: Left of Alf Coleman Rd on Front Beach Rd , next to County Pier
  • MLS Area Minor: 2718 - Beach - Central South
  • MLS Area Major: 27 - Bay County
  • Latitude: 30.188624
  • Longitude: -85.827982
  • Location Tax and Legal:Sub Area: 2718 - Beach - Central South
  • Location Tax and Legal:Elementary School: Hutchinson Beach
  • Location Tax and Legal:Middle School: Surfside
  • Location Tax and Legal:High School: Arnold
  • Location Tax and Legal:Legal Description: STERLING REEF UNIT 1004 TYPE B ORB 2578 P 120 ORB 3798 P 672 ''ARUBA'' 2BD/2BTH . 1076 SQ.FT.=H&C . 184 SQ.FT.=BALC
  • Project Facilities: BBQ PitGrill2, Beach, Elevators, Exercise Room, Pets Allowed2, Pool2, Short Term Rental - Allowed, TV Cable3, Waterfront
  • Garage: false
Taxes and HOA
  • Association Fee Includes: Ground Keeping, Master Association, Recreational Faclty, Sewer, Water, Cable TV, Trash
  • Tax Legal Description: STERLING REEF UNIT 1004 TYPE B ORB 2578 P 120 ORB 3798 P 672 ''ARUBA'' 2BD/2BTH . 1076 SQ.FT.=H&C . 184 SQ.FT.=BALC
  • Parcel Number: 34809610067
  • Association Fee: $0
  • Association YN: Yes
School Information
  • Elementary School: Hutchinson Beach
  • Middle Or Junior School: Surfside
  • High School: Arnold
Parking
  • Carport YN: No
Property
Lot Information
  • Building Area Source: County PA Records
  • Lot Size Units: Acres
  • Property Condition: Construction Complete
  • Building Area Total: 1076.0
  • General Property Info:SqFt Source: County PA Records
  • Waterfront: Gulf
  • Waterview: Gulf2
Property and Assessments
  • Floor Plans Count: 0.0
  • Property Type: Residential, Condo
  • Year Built: 2005.0
  • Property Sub Type: Condominium
  • New Construction YN: No
  • General Property Info:Sub-Type: Condominium
  • General Property Info:Design: N/A
  • Construction Status: Construction Complete
  • Occupancy Status: Vacation Rental
Utilities
  • Sewer: True
  • Utilities: Electric, Public Water
  • Electric: True
  • Utilities: Electric, Public Sewer, Public Water
  • Energy: AC - Central Elect, Ceiling Fans, Heat Cntrl Electric, Water Heater - Elect
Interior and Exterior Features
Exterior Features
  • Exterior Features: BBQ Pit/Grill, Shower
  • Pool Features: Pool - Heated, Pool - In-Ground, Pool Type
  • General Property Info:Stories In Unit: 1.0
  • General Property Info:Unit Floors Above Ground: 15.0
  • General Property Info:Pool: Yes
  • General Property Info:Pool Type: Community
  • Exterior: BBQ PitGrill, Pool - Heated, Pool - In-Ground, Shower
Interior Features
  • Heating: Central
  • Cooling: Ceiling Fans, Central Air
  • Interior Features: Breakfast Bar, Washer/Dryer Hookup
  • Flooring: Floor Tile
  • Room Type: Bedroom, Master Bedroom, Family Room, Kitchen
  • Rooms Total: 4.0
  • Bathrooms Total Integer: 2.0
  • Bathrooms Total Decimal: 2.0
  • Bathrooms Total Notational: 2.0
  • Cooling YN: Yes
  • Heating YN: Yes
  • Bedrooms Total: 2.0
  • Bathrooms Full: 2.0
  • Interior: Breakfast Bar, Floor Tile, Furnished - All, WasherDryer Hookup
  • Appliances: Dishwasher, Dryer, Microwave, Refrigerator, StoveOven Electric, Washer
Room Information
Room 1
  • Room Type: Bedroom
  • Room Level: First
  • Room Length: 10.5
  • Room Width: 10.5
  • Room Dimensions: 10.5 x 10.5
Room 2
  • Room Type: Master Bedroom
  • Room Level: First
  • Room Length: 17.0
  • Room Width: 11.0
  • Room Dimensions: 17 x 11
Room 3
  • Room Type: Family Room
  • Room Level: First
  • Room Length: 16.0
  • Room Width: 14.0
  • Room Dimensions: 16 x 14
Room 4
  • Room Type: Kitchen
  • Room Level: First
  • Room Length: 15.0
  • Room Width: 7.0
  • Room Dimensions: 15 x 7
Multi Family
Multi Family Information
  • Furnished: Furnished - All
Rental
Rent Information
  • Listing Info Tax Legal:Is Subject Leased: false

Property History for 12011 Front Beach Road, Unit 1004

DateEvent & SourcePriceAppreciation
May 15, 2026

Price Change

ECAR #966099

$445,000—
May 15, 2026

Listed (Active)

ECAR #966099

$510,000—
Nov 30, 2025

Expired

ECAR #966099

$499,900—
DateEvent & SourcePrice
05/15/2026

Price Change

ECAR #966099

$445,000
05/15/2026

Listed (Active)

ECAR #966099

$510,000
11/30/2025

Expired

ECAR #966099

$499,900

For completeness, we often displays two records for one sale: the MLS record and the public record.

Schools near 12011 Front Beach Road, Unit 1004

This home is within Bay.
Rating
School
Type
Grades
Distance
Surfside Middle School
Public - PK to 12
Hutchison Beach Elementary School
Public - K to 5
J.R. Arnold High School
Public - 9 to 12
A. Gary Walsingham Academy
Public - PK to 5
Rating
School
Distance
Surfside Middle School
PublicPK to 12

Hutchison Beach Elementary School
PublicK to 5

J.R. Arnold High School
Public9 to 12

A. Gary Walsingham Academy
PublicPK to 5

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

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More information about 12011 Front Beach Road, Unit 1004, Panama City Beach, FL 32407

12011 Front Beach Road, Unit 1004 is a condo for sale in Panama City Beach, FL 32407. This property was listed for sale on June 1, 2025 by Keller Williams Success Realty, it's currently listed at $445,000. This listing's school district is Bay. Nearby schools include Surfside Middle School, Hutchison Beach Elementary School and J.R. Arnold High School. 12011 Front Beach Road, Unit 1004 is a 2-bed, 2-bath, 1,076 sqft condo built in 2005.

No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of descriptions or measurements (including square footage measurements and property condition), such should be independently verified, and Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties expressly disclaims any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the discretion of the seller. No financial or legal advice provided. Equal Housing Opportunity. Subject to change at any time. Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties make no guarantee, warranty or representation regarding the accuracy of any waterfront feature, water view or waterfront view.

Listing Courtesy of Keller Williams Success Realty

The data relating to real estate for sale/lease on this web site come in part from a cooperative data exchange program of the Emerald Coast Association of REALTORS, Central Panhandle Association of REALTORS, Pensacola Association of REALTORS and Capital Area Technology & REALTOR Services. The properties displayed may not be all of the properties in the MLS's database, or all of the properties listed with Brokers participating in the cooperative data exchange program. Information deemed reliable but not guaranteed. Copyright© 2026 Emerald Coast Association of REALTORS, Central Panhandle Association of REALTORS, Pensacola Association of REALTORS and Capital Area Technology & REALTOR Services. All Rights Reserved.