12011 Front Beach Rd, Unit 1004B

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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Description

Enjoy stunning Gulf-front living with a true Gulf-front primary bedroom and gorgeous views from the living room, dining area, and kitchen. This charming condo is perfectly positioned on an ideal floor height to fully capture sweeping views of the Emerald Coast's sugar-white sands and emerald-green waters. Sterling Reef offers a prime Panama City Beach location just steps from Shipwreck Island Water Park and within walking distance to the fishing pier. The resort features outstanding amenities including...Enjoy stunning Gulf-front living with a true Gulf-front primary bedroom and gorgeous views from the living room, dining area, and kitchen. This charming condo is perfectly positioned on an ideal floor height to fully capture sweeping views of the Emerald Coast's sugar-white sands and emerald-green waters. Sterling Reef offers a prime Panama City Beach location just steps from Shipwreck Island Water Park and within walking distance to the fishing pier. The resort features outstanding amenities including a bi-level Gulf-front pool (heated seasonally), a fitness center overlooking the pool and beach, a terrace grilling area, an Owner's Lounge with flat-screen TV, and convenient covered parking located directly beneath the building. Whether you're searching for a personal beach getaway or a strong rental investment, this super cute condo is a must-see. Call today to make it yours!
  1. Listed by Michele Morros • Keller Williams Success Realty
  2. Listed by Ann Wohlford • Keller Williams Success Realty

Property Details for 12011 Front Beach Road, Unit 1004B

Architectural Style
High Rise
Waterfront
Yes
Waterfront Features
Gulf
Parking Features
Paved
Subdivision Name
Sterling Reef
View
Gulf
Zoning Description
Resort
View
Yes
LISTING UPDATED: 04/17/2026 03:07 PM

Property Details for 12011 Front Beach Road, Unit 1004B

StatusActive
MLS #784981
Days on Market68
Taxes$5,454 / year
HOA Fees-
Condo/Co-op Fees-
Property TypeCondo
MLS TypeResidential / Condominium / 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 1004B

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

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$2,695 per month

30 year fixed, 6.46% Interest

Principal and Interest

$2,241

Property Taxes

$455

HOA Dues

$0

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Property Information for 12011 Front Beach Road, Unit 1004B

Summary
Location and General Information
  • City: Panama City Beach
  • County Or Parish: Bay
  • Directions: Go East from Pier Park and next to County Pier.
  • State Region: FL
  • Postal Code: 32407
  • Latitude: 30.188574
  • Longitude: -85.827814
  • State Or Province: FL
  • MLS Area Major: 03 - Bay County - Beach
  • MLS Area Minor: 0318 - Beach - Central South
Taxes and HOA Information
  • Parcel Number: 34809-610-067
  • Association: Yes
  • Tax Annual Amount: $5,454.00
  • 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
  • Tax Year: 2025
School Information
  • Elementary School: Hutchison Beach
  • High School: Arnold
  • Middle Or Junior School: Surfside
Parking
  • Attached Garage: No
  • Garage: No
Property
Lot Information
  • Building Area Total: 1076.0
  • Lot Features: Paved
  • Lot Size Dimensions: Gulf Front Condo
  • Living Area Source: Appraiser
Property and Assessments
  • Year Built: 2005
  • New Construction: No
  • Human Modified: No
Utilities
  • Sewer: Public Sewer
Interior and Exterior Features
Exterior Features
  • Pool Features: Electric Heat, In Ground, Community
  • Association Amenities: Beach Rights, Barbecue, Spa Hot Tub
  • Community Features: Barbecue, Beach, Clubhouse, Elevator, Fitness Center, Pool, Waterfront, Community Pool, Short Term Rental Allowed
  • Patio And Porch Features: Balcony
  • Security Features: Fire Sprinkler System, Fire Alarm
Interior Features
  • Bathrooms Full: 2
  • Bathrooms Total: 2
  • Bedrooms Total: 2
  • Rooms Total: 3
  • Cooling: Yes
  • Cooling: Central Air, Ceiling Fans
  • Heating: Yes
  • Heating: Central, Electric
  • Laundry Features: Stacked
  • Appliances: Washer Dryer Stacked, Electric Oven
Room Information
Room 1
  • Room Dimensions: 10 x 10
  • Room Length: 10.0
  • Room Level: First
  • Room Type: Bedroom
  • Room Width: 10.0
Room 2
  • Room Dimensions: 18 x 15
  • Room Length: 18.0
  • Room Level: First
  • Room Type: Living Room
  • Room Width: 15.0
Room 3
  • Room Dimensions: 17 x 11
  • Room Length: 17.0
  • Room Level: First
  • Room Type: Primary Bedroom
  • Room Width: 11.0
Multi Family
Multi-Family Information
  • Units Furnished: All Units
Mobile Home
Mobile Home Information
  • Mobile Dim Units: Feet
Rental
Rental Information
  • Occupant Type: Tenant

Property History for 12011 Front Beach Road, Unit 1004B

DateEvent & SourcePriceAppreciation
Apr 17, 2026

Price Change

CPAR #784981

$445,000—
Feb 10, 2026

Listed (Active)

CPAR #784981

$480,000—
Nov 8, 2025

Expired

CPAR #765242

$496,900—
Nov 19, 2024

Listed (Active)

CPAR #765242

$510,000—
Oct 17, 2024

Withdrawn

CPAR #757914

$499,000—
May 31, 2024

Listed (Active)

CPAR #757914

$535,000—
Aug 10, 2016

Sold

ECAR #758664

$245,000—
Aug 10, 2016

Pending

ECAR #758664

—
Aug 10, 2016

Listed (Active)

ECAR #758664

$249,900—
May 20, 2016

Sold (Public Record)

Public Record #572538287

$245,100—
May 20, 2016

Sold (Public Record)

Public Record #572538287

$245,100

-9.0% / yr

May 20, 2016

Sold

CPAR #644465

$245,000—
Apr 16, 2016

Pending

CPAR #644465

—
Apr 1, 2016

Listed (Active)

CPAR #644465

$249,900—
Mar 10, 2006

Sold (Public Record)

Public Record #192638770

$641,700—
DateEvent & SourcePrice
04/17/2026

Price Change

CPAR #784981

$445,000
02/10/2026

Listed (Active)

CPAR #784981

$480,000
11/08/2025

Expired

CPAR #765242

$496,900
11/19/2024

Listed (Active)

CPAR #765242

$510,000
10/17/2024

Withdrawn

CPAR #757914

$499,000
05/31/2024

Listed (Active)

CPAR #757914

$535,000
08/10/2016

Sold

ECAR #758664

$245,000
08/10/2016

Pending

ECAR #758664

—
08/10/2016

Listed (Active)

ECAR #758664

$249,900
05/20/2016

Sold (Public Record)

Public Record #572538287

$245,100
05/20/2016

Sold (Public Record)

Public Record #572538287

$245,100

-9.0% / yr

05/20/2016

Sold

CPAR #644465

$245,000
04/16/2016

Pending

CPAR #644465

—
04/01/2016

Listed (Active)

CPAR #644465

$249,900
03/10/2006

Sold (Public Record)

Public Record #192638770

$641,700

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

Public Records for 12011 Front Beach Road, Unit 1004B

Taxable ValueLand-Additions$422,269Total-
Tax Record2025$4,609 ($384 / month)
Home Facts
Beds2Total Finished SqFt1,076 SqFtAbove Grade Finished SqFt1,076 SqFtStyleCondominiumYear Built2005CountyBAYAPN34809-610-067

Schools near 12011 Front Beach Road, Unit 1004B

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 1004B, Panama City Beach, FL 32407

12011 Front Beach Road, Unit 1004B is a condo for sale in Panama City Beach, FL 32407. This property was listed for sale on February 10, 2026 by Keller Williams Success Realty, it's currently listed at $445,000. It has been on the market for a total of 68 days and was last sold on August 10, 2016. 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 1004B 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.