12011 Front Beach Rd, Unit 103B

Panama City Beach, FL 32407

$428,000
Last Sold Price
2
Beds
1,076 Sq. Ft.
$398 / Sq. Ft.
1,076
Sq. Ft.
$398
per Sq. Ft.
Get preapproved with Rocket Mortgage1
Sold 4/10/26
Sold 4/10/26
a living room with furniture and a large window
a living room with furniture fireplace and a large window
a living room with furniture a rug and a chandelier
a living room with furniture and a rug
a living room with furniture and a large window
a kitchen with stainless steel appliances granite countertop a sink and a refrigerator
a kitchen with a stove a sink and a refrigerator
a bedroom with a bed and painting on the wall
a bedroom with a bed and a flat screen tv
a bathroom with a tub sink and shower
a bathroom with a sink a mirror and a shower
a bathroom with a sink a toilet a mirror and vanity
a view of a hallway with wooden shelves and cabinets
a bedroom with a bed and a lamp on dresser
a bedroom with a bed and a chandelier
a bathroom with a toilet sink and shower
a view of livingroom with furniture and window
a view of a patio with a table and chairs
a dining room with furniture and a floor to ceiling window
a patio with table and chairs
a view of an ocean and beach
a view of an outdoor space and ocean view
an aerial view of beach and ocean
a view of a lake
a view of an outdoor space
aerial view of a city
a view of beach and ocean
a view of a swimming pool with a lawn chairs
a view of a large building
a view of entryway with wooden floor
a view of a swimming pool with a lounge chair
a view of a swimming pool with a table and chairs
a view of a terrace with chairs and table
a room with lots of table chairs and a large window
a kitchen with stainless steel appliances kitchen island granite countertop a table and chairs in it

Description

Step into a rare Gulf-front opportunity at Sterling Reef, where the first living level (fourth floor from the ground) delivers something; no other floor can-expansive, oversized balconies that simply don't come available often. Unit 103B is all about outdoor living, with unobstructed Gulf views and a massive private balcony designed for long mornings, sunset gatherings, and true beachfront entertaining. Inside, the open layout features tile flooring throughout, a functional kitchen with granite countertops,...Step into a rare Gulf-front opportunity at Sterling Reef, where the first living level (fourth floor from the ground) delivers something; no other floor can-expansive, oversized balconies that simply don't come available often. Unit 103B is all about outdoor living, with unobstructed Gulf views and a massive private balcony designed for long mornings, sunset gatherings, and true beachfront entertaining. Inside, the open layout features tile flooring throughout, a functional kitchen with granite countertops, breakfast bar, and a tiled island, offering a solid foundation for a buyer who wants to personalize and update the space to match their vision. Both bedrooms are generously sized and filled with natural light, making this an ideal canvas for creating a custom coastal retreat.... or a refreshed, high-performing rental. Whether you're an investor looking to add value through updates or a beach lover who wants to design a space that reflects your own style, this condo offers a rare blend of lifestyle appeal and renovation potential in one of the most desirable positions in the building. Sterling Reef completes the experience with resort-style amenities including a heated pool with waterfall, fitness center, game room, and direct beach access all just minutes from the dining, shopping, and entertainment that define this stretch of the Emerald Coast. With a motivated seller and a recent price improvement, this is a standout chance to secure a Gulf-front unit where the true value lies in its location, balcony size, and long-term potential. Opportunities like this, especially on this level, are few and far between.
  1. Listed by Meghan M Hall • Brokerage DRE #2023116 • Keller Williams Realty SRB • meghan@themeghanhallteam.com

Property Details for 12011 Front Beach Road, Unit 103B

Waterfront Features
Gulf
View
Gulf
Architectural Style
N/A
Subdivision Name
STERLING REEF
Waterfront YN
Yes
LISTING UPDATED: 04/10/2026 04:48 PM

Property Details for 12011 Front Beach Road, Unit 103B

StatusSold
MLS #976787
Days on Market305
Taxes$5,465 / 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 Realty SRB

Sold By EXP Realty LLC

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Building Information for 12011 Front Beach Road, Unit 103B

Building/Complex12011 Front Beach RdFloor-Stories22Residences126Pet Policy-Pet Policy Details-Year Built2005

Payment Calculator

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$2,611 per month

30 year fixed, 6.46% Interest

Principal and Interest

$2,155

Property Taxes

$455

HOA Dues

$0

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Property Information for 12011 Front Beach Road, Unit 103B

Summary
Location and General Information
  • Community Features: Short Term Rental - Allowed, BBQ Pit/Grill, Beach, Community Room, Elevators, Exercise Room, Pets Allowed, Pool, TV Cable, Waterfront
  • Directions: Three miles east of hwy.79 on the corner of Alf Coleman and Front Beach Road
  • Road Frontage Type: City Street
  • MLS Area Minor: 0318 - Beach - Central South
  • MLS Area Major: 03 - Bay County - Beach
  • Latitude: 30.188619
  • Longitude: -85.827797
  • Location Tax and Legal:Sub Area: 2718 - Beach - Central South
  • Location Tax and Legal:Elementary School: Breakfast Point
  • Location Tax and Legal:Middle School: Surfside
  • Location Tax and Legal:High School: Arnold
  • Location Tax and Legal:Legal Description: STERLING REEF UNIT 103 TYPE B ORB 2578 P 120 ARUBA 2BD/2BTH ORB 3576 P 749 1076 SQ.FT.=H&C . 474 SQ.FT.=BALC
  • Project Facilities: BBQ PitGrill2, Beach, Community Room, Elevators, Exercise Room, Pets Allowed2, Pool2, Short Term Rental - Allowed, TV Cable3, Waterfront
  • Garage: true
Taxes and HOA
  • Association Fee Includes: Ground Keeping, Insurance, Internet Service, Management, Master Association, Recreational Faclty, Sewer, Water, Cable TV, Trash
  • Tax Legal Description: STERLING REEF UNIT 103 TYPE B ORB 2578 P 120 ARUBA 2BD/2BTH ORB 3576 P 749 1076 SQ.FT.=H&C . 474 SQ.FT.=BALC
  • Parcel Number: 34809-610-003
  • Association Amenities: Beach Rights, Barbecue, Picnic Area
  • Association Fee: $0
  • Association YN: Yes
  • Tax Annual Amount: $5,465
  • Listing Info Tax Legal:Last Taxes: $5,465
  • Listing Info Tax Legal:Last Tax Year: 2024.0
School Information
  • Elementary School: Hutchison Beach
  • Middle Or Junior School: Surfside
  • High School: Arnold
Parking
  • Carport YN: No
  • Attached Garage YN: Yes
  • Parking Features: Garage
  • Garage YN: Yes
  • Parking Features: Garage3, Garage Attached
Property
Lot Information
  • Building Area Source: County PA Records
  • Lot Size Dimensions: Condo
  • Lot Size Units: Acres
  • Property Condition: Construction Complete
  • Lot Features: Paved
  • Building Area Total: 1076.0
  • Living Area Source: Appraiser
  • General Property Info:SqFt Source: County PA Records
  • Waterfront: Gulf
  • Waterview: Gulf2
Property and Assessments
  • Tax Year: 2024.0
  • 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
  • General Property Info:Pre-Const Flip: false
  • Listing Info Tax Legal:Homestead: false
  • Construction Status: Construction Complete
  • Construction Siding: Concrete
  • Occupancy Status: Vacation Rental
Utilities
  • Sewer: True
  • Utilities: Electric, Phone, Public Water, TV Cable
  • Electric: True
  • Utilities: Electric, Phone2, Public Sewer, Public Water, TV Cable
  • Energy: AC - Central Elect, Ceiling Fans, Heat Cntrl Electric
Interior and Exterior Features
Exterior Features
  • Exterior Features: Balcony
  • Construction Materials: Concrete
  • Security Features: Smoke Detectors
  • Pool Features: Pool Type
  • Patio And Porch Features: Balcony
  • Stories Total: 22.0
  • General Property Info:Stories In Unit: 1.0
  • General Property Info:# of Units in Bldg: 126.0
  • General Property Info:Stories in Building: 22.0
  • General Property Info:Unit Floors Above Ground: 4.0
  • General Property Info:Pool: Yes
  • General Property Info:Pool Type: Community
  • Exterior: Balcony
Interior Features
  • Heating: Central
  • Cooling: Ceiling Fans, Central Air
  • Interior Features: Breakfast Bar, Kitchen Island, Lighting Recessed, Split Bedroom, Washer/Dryer Hookup, Woodwork Painted
  • Flooring: Floor Tile
  • Window Features: Window Treatment All
  • Room Type: Master Bedroom, Bedroom, Dining Room, Balcony, Full Bathroom
  • Rooms Total: 6.0
  • Bathrooms Total Integer: 2.0
  • Bathrooms Total Decimal: 2.0
  • Bathrooms Total Notational: 2.0
  • Cooling YN: Yes
  • Heating YN: Yes
  • Laundry Features: Stacked
  • Bedrooms Total: 2.0
  • Bathrooms Full: 2.0
  • Bathrooms Half: 0.0
  • Interior: Breakfast Bar, Floor Tile, Furnished - All, Kitchen Island, Lighting Recessed, Split Bedroom, WasherDryer Hookup, Window Treatment All, Woodwork Painted
  • Appliances: Dishwasher, Disposal, Dryer, Microwave, Refrigerator, Smoke Detector, StoveOven Electric, Washer
Room Information
Room 1
  • Room Type: Master Bedroom
  • Room Level: First
  • Room Length: 17.0
  • Room Width: 11.0
  • Room Dimensions: 17 x 11
Room 2
  • Room Type: Bedroom
  • Room Level: First
  • Room Length: 11.0
  • Room Width: 11.0
  • Room Dimensions: 11 x 11
Room 3
  • Room Type: Dining Room
  • Room Level: First
  • Room Length: 17.0
  • Room Width: 14.0
  • Room Dimensions: 17 x 14
Room 4
  • Room Type: Balcony
  • Room Level: First
  • Room Length: 27.0
  • Room Width: 19.0
  • Room Dimensions: 27 x 19
Room 5
  • Room Type: Full Bathroom
  • Room Level: First
  • Room Length: 10.0
  • Room Width: 9.0
  • Room Dimensions: 10 x 9
Room 6
  • Room Type: Full Bathroom
  • Room Level: First
  • Room Length: 8.0
  • Room Width: 6.0
  • Room Dimensions: 8 x 6
Multi Family
Multi Family Information
  • Number Of Units In Community: 126.0
  • Furnished: Furnished - All
  • Number Of Units Total: 126.0
Rental
Rent Information
  • General Property Info:Immediate Occupancy: true
  • Listing Info Tax Legal:Is Subject Leased: false

Property History for 12011 Front Beach Road, Unit 103B

DateEvent & SourcePriceAppreciation
Apr 10, 2026

Sold

CPAR #773756

$428,000—
Apr 10, 2026

Sold

ECAR #976787

$428,000—
Mar 22, 2026

Pending

CPAR #773756

—
DateEvent & SourcePrice
04/10/2026

Sold

CPAR #773756

$428,000
04/10/2026

Sold

ECAR #976787

$428,000
03/22/2026

Pending

CPAR #773756

—

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 103B

Taxable ValueLand-Additions$422,269Total-
Tax Record2025$4,609 ($384 / month)
Home Facts
Beds2Total Finished SqFt1,076 SqFtAbove Grade Finished SqFt1,076 SqFtStyleCondominiumYear Built2005CountyBAYAPN34809-610-003

Schools near 12011 Front Beach Road, Unit 103B

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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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 Realty SRB

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.