20405 Front Beach Rd

Panama City Beach, FL 32413

$4,695,000
Price
9
Beds
5,215 Sq. Ft.
$900 / Sq. Ft.
5,215
Sq. Ft.
$900
per Sq. Ft.
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Listed By Compass
Listed By Compass
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a view of swimming pool with outdoor seating
a large kitchen with stainless steel appliances kitchen island granite countertop a stove a sink a refrigerator and a dining table with wooden floor
a living room with fireplace furniture and a flat screen tv
a living room with furniture and kitchen view
a view of a black gate
a view of a black outside space
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a view of a roof deck with dining table and chairs with wooden floor
a view of a dining room with furniture wooden floor and chandelier
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a view of a bedroom with furniture and wooden floor
a spacious bedroom with a large bed and a large window
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a living room with furniture and a wooden floor
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a front view of house with yard and green space
a front view of a house with a yard and garage
a front view of a house with a yard and garage
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a bedroom with a bed window and walk in closet
a bedroom with furniture and a mirror
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a living room with furniture and a flat screen tv
a living room with fireplace furniture and a flat screen tv
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a kitchen with stainless steel appliances a stove a table and chairs in it
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a view of a patio with couches table and chairs with wooden floor and fence
a view of a kitchen with swimming pool and sitting area
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a kitchen with a sink and a counter top space
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a kitchen with cabinets stainless steel appliances and a sink
a kitchen with stainless steel appliances granite countertop a refrigerator sink and white cabinets
a kitchen with stainless steel appliances granite countertop a sink a stove and a dining table
a view of a dining room with furniture
a living room with furniture and a large mirror
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a balcony with wooden floor table and chairs
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a bathroom with a granite countertop sink toilet a large mirror a vanity and shower
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a bedroom with a bed and wooden floor
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a utility room with dryer and washer
a bedroom with a large bed and a window
a bedroom with a bed and a walk in closet
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a bed room with a bed and a book shelf
a bathroom with a sink a toilet and shower
a bed room with a bed and a window
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a living room with furniture and a rug
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a bed sitting in a bedroom next to a window
a living room with furniture and a large window
a spacious bathroom with a granite countertop sink a toilet and a mirror
a en suite bathroom with a granite countertop sink and a mirror
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a bedroom with a bed and wooden floor
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a view of a terrace with wooden floor and city view
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a view of an ocean and beach
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a view of a patio with couches table and chairs with wooden floor
a front view of a building with street
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a view of outdoor space with ocean view
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a view of an ocean and beach
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an aerial view of residential houses with outdoor space
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a view of an ocean and beach

Description

*Sellers offering a one-year competitive rental guarantee with qualifying offer*
When I first toured 20405 Front Beach Road I was surprised by how livable the floorplan is for such a strong rental producer. It's very rare to find this kind of rental return on the gulf, and even more rare to find a strong rental producer with a floor plan that feels like a real home, not just a small hotel. This house has a family room on almost every level along with two kitchens and multiple laundry areas. Every...*Sellers offering a one-year competitive rental guarantee with qualifying offer*
When I first toured 20405 Front Beach Road I was surprised by how livable the floorplan is for such a strong rental producer. It's very rare to find this kind of rental return on the gulf, and even more rare to find a strong rental producer with a floor plan that feels like a real home, not just a small hotel. This house has a family room on almost every level along with two kitchens and multiple laundry areas. Every bedroom has an ensuite bath, and most of the bedrooms have a walk-in closet as well. Each floor feels like its own space and has room to breathe, so it's ideal for a family to spend time together while not feeling like you're on top of one another. 20405 Front Beach Road advertises one of the best cap rates among gulf front homes with approximately $300,000 in actual gross rental income year-to-date (April 2026) and a projected $390,000+ in annual gross rental income. At $900/ft this home is the second lowest list price per foot in the last year for a gulf front home on the West end of Panama City Beach.

20405 Front Beach Road is only five miles from Pier Park, the largest shopping, dining, and entertainment complex in Northwest Florida. It also sits five miles from the iconic Rosemary Beach. This is an ideal location for someone who wants to be within striking distance of 30A without paying the 30A price premium. Another aspect of the location that I love is how it makes avoiding traffic gridlock easier. The street directly in front of the driveway, Wisteria Lane, connects to Highway 98. You can pull out of the driveway onto Wiseteria Lane and then turn onto Highway 98 and bypass any congestion on Front Beach Road. This has made avoiding traffic so much easier during busy times.

Another thing that stands out to me is how deep/wide the stretch of beach in front of the home is. This beach stays relatively uncrowded year-round. I've been at the home during peak Summer and Spring break months and have been surprised with the lack of crowds nearby compared to other gulf front listings that I've toured.

Many properties in our market lack adequate storage, but 20405 Front Beach Road does not have that problem. There's a lockable owner's closet on almost every floor, and it was cleverly built to include a half-car garage which functions as ideal storage or as a large owner's closet. Many owners choose to lock off a space like this and keep a refrigerator, personal bikes, beach toys, and other items they'll need for their vacation. This way an owner can relax and not worry about having to go shopping first thing when they come into town.

Distance from 20405 Front Beach Road to:
Camp Helen State Park.........4.0 miles
Pier Park...........................5.1 miles
Rosemary Beach.................5.9 miles
Watersound Beach Club........7.8 miles
Airport...............................16 miles (22 minute drive)


*Floor Plan*

Upon entering 20405 Front Beach road there's a foyer/landing area that leads into the downstairs family room. It has a billiards table, dining table, living room, and small kitchen. There's also a large bunk room with an ensuite bathroom. The sliding glass door next to the kitchen provides a great indoor/outdoor entertaining area because it opens out to the gulf front pool with its covered/shaded seating.

The second floor hosts the main kitchen along with a dining table that seats 8 and a living room. There's a half bath off the living area for convenient guest use. Down the hall there's a washer/dryer hidden behind a set of double doors. There's also two bedroom suites. The first is a bunk room with its own ensuite bathroom and a small juliet balcony. The other is a suite with a king-sized bed, walk-in closet, and ensuite bathroom.

The third floor is the only one that's occupied entirely by bedrooms. It hosts what I consider to be the primary suite (though many of the bedrooms are large enough to be a primary suite.) The primary suite is directly on the water with access to a private beachfront balcony. It has a walk-in closet, and sizable bathroom with dual vanities, walk-in shower, and a clawfoot bathtub that gets beautiful beach views. There's also another stackable washer/dryer in the hall that's hidden by double doors. In addition, there's three more suites on this level. Two of them are full suites with king-sized beds, ensuite baths, and large closets. The remaining suite is a bunk room with an ensuite bath and small juliet balcony.

The fourth floor has a sitting area and also a kid's room that has foosball and acts as a third entertainment area. This kids room/entertainment area has its own ensuite bath with dual vanities and walk-in shower. There's also a gulf front suite on this level that sleeps four. It has a walk-in closet, ensuite bathroom, and a private beachfront balcony.

This property has a heated, beachfront pool with covered sitting area and an outdoor shower. It also shares a private beach walkover with the sister home next door, the two homes jointly use and maintain the walkover.

Listing Agents

  1. Caleb Spears

    Caleb Spears

    Listing Agent

    Compass

    caleb.spears@compass.com

    P: (850)-974-1765

    CallTextEmail
  2. Spears Group

    Spears Group

    Alternative Listing Agent

    Compass

    spearsgroup@compass.com

    P: (850)-710-2114

    CallTextEmail

Property Details for 20405 Front Beach Road

Waterfront Features
Gulf
View
Gulf
Zoning
Resid Single Family
Architectural Style
Contemporary
Subdivision Name
laguna beach estates
Waterfront YN
Yes
LISTING UPDATED: 04/11/2026 09:29 PM

Property Details for 20405 Front Beach Road

StatusActive
MLS #1000438
Days on Market409
Taxes-
HOA Fees-
Condo/Co-op Fees-
Property TypeSingle Family
MLS TypeResidential / Detached Single Family
Year Built2019
Lot Size0.09 AC / 3,920 SF
CountyBay County
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Location

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Building Information for 20405 Front Beach Road

Stories4Year Built2019Building Size-Lot Size0.09 AC / 3,920 SF

Payment Calculator

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$26,348 per month

30 year fixed, 6.46% Interest

Principal and Interest

$23,642

Property Taxes

$2,706

HOA Dues

$0

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Property Information for 20405 Front Beach Road

Summary
Location and General Information
  • Directions: Directions: From Hwy 98 turn south on Wisteria Lane. Continue to Front Beach Rd. Turn right on Front Beach Road and the house is immediately on the left.
  • Road Frontage Type: City Street
  • MLS Area Minor: 2725 - Beach - West South
  • MLS Area Major: 27 - Bay County
  • Latitude: 30.244858
  • Longitude: -85.936912
  • Location Tax and Legal:Sub Area: 2725 - Beach - West South
  • Location Tax and Legal:Elementary School: West Bay
  • Location Tax and Legal:Middle School: Surfside
  • Location Tax and Legal:High School: Arnold
  • Location Tax and Legal:Legal Description: LAGUNA BEACH ESTATES PART LOT 1 BLK 2A: COMM ELY COR LOT 1 BLK 2A S28W 25' N61W 3' FOR POB TH S28W 70' N61W 31.25' N28E 30' N61W 3.25'N28E 40' N61E 34.50 TO POB AKA UNIT 1 ORB 4500 P 1669
  • Beach Frontage: 38.0
  • Garage: true
Taxes and HOA
  • Tax Legal Description: LAGUNA BEACH ESTATES PART LOT 1 BLK 2A: COMM ELY COR LOT 1 BLK 2A S28W 25' N61W 3' FOR POB TH S28W 70' N61W 31.25' N28E 30' N61W 3.25'N28E 40' N61E 34.50 TO POB AKA UNIT 1 ORB 4500 P 1669
  • Parcel Number: 36627-000-000
  • Association Fee: $0
School Information
  • Elementary School: West Bay
  • Middle Or Junior School: Surfside
  • High School: Arnold
Parking
  • Carport YN: No
  • Attached Garage YN: Yes
  • Parking Features: Garage
  • Garage Spaces: 0.5
  • General Property Info:Driveway Spaces: 6.0
  • Parking Features: Garage3, Garage Attached
Property
Lot Information
  • Building Area Source: County PA Records
  • Lot Size Dimensions: 38x105
  • Lot Size Acres: 0.09
  • Lot Size Area: 0.09
  • Lot Size Units: Acres
  • Property Condition: Construction Complete
  • Lot Features: Within 1/2 Mile to Water
  • Building Area Total: 5215.0
  • Lot Size Square Feet: 3920.4
  • General Property Info:SqFt Source: County PA Records
  • Waterfront: Gulf
  • Waterfront Feet 2: 38
  • Waterview: Gulf2
  • LotParcel Access: City Road, Paved Road
  • Lot Features: Within 12 Mile to Water
Property and Assessments
  • Road Surface Type: Paved
  • Floor Plans Count: 0.0
  • Property Type: Residential
  • Year Built: 2019.0
  • Property Sub Type: Detached Single Family
  • New Construction YN: No
  • General Property Info:Sub-Type: Detached Single Family
  • General Property Info:Design: Contemporary
  • Listing Info Tax Legal:Homestead: false
  • Construction Status: Construction Complete
  • Construction Siding: Foundation On Piling, Frame, Roof Metal, Siding CmntFbrHrdBrd
  • Occupancy Status: Vacation Rental
Utilities
  • Sewer: Public Sewer
  • Utilities: Electric, Gas - Natural, Public Water
  • Electric: True
  • Utilities: Electric, Gas - Natural, Public Sewer, Public Water
  • Energy: AC - 2 or More, Water Heater - Two
Interior and Exterior Features
Exterior Features
  • Exterior Features: Balcony, BBQ Pit/Grill, Hot Tub
  • Construction Materials: Frame, Siding CmntFbrHrdBrd
  • Foundation Details: Foundation On Piling
  • Stories: 4.0
  • Pool Features: Pool - Heated, Pool - In-Ground, Pool Type
  • Patio And Porch Features: Patio Covered, Porch
  • General Property Info:Pool: Yes
  • General Property Info:Pool Type: Private
  • Exterior: Balcony, BBQ PitGrill, Hot Tub, Patio Covered, Pool - Heated, Pool - In-Ground, Porch
Interior Features
  • Interior Features: Ceiling Raised, Lighting Recessed, Owner's Closet
  • Flooring: Floor Hardwood
  • Window Features: Window Treatment All
  • Room Type: Living Room, Bedroom, Kitchen, Bunk Room, Loft, Bonus Room
  • Rooms Total: 12.0
  • Bathrooms Total Integer: 10.0
  • Bathrooms Total Decimal: 9.5
  • Bathrooms Total Notational: 9.1
  • Bedrooms Total: 9.0
  • Bathrooms Full: 9.0
  • Bathrooms Half: 1.0
  • Interior: Ceiling Raised, Floor Hardwood, Furnished - All, Lighting Recessed, Owner's Closet, Window Treatment All
  • Appliances: Dishwasher, Dryer, Ice Machine, Microwave, Refrigerator, StoveOven Electric, Washer
Room Information
Room 1
  • Room Type: Living Room
  • Room Level: First
  • Room Length: 24.0
  • Room Width: 10.8
  • Room Dimensions: 24 x 10.8
Room 2
  • Room Type: Bedroom
  • Room Level: First
  • Room Length: 15.6
  • Room Width: 14.6
  • Room Dimensions: 15.6 x 14.6
Room 3
  • Room Type: Living Room
  • Room Level: Second
  • Room Length: 24.0
  • Room Width: 10.8
  • Room Dimensions: 24 x 10.8
Room 4
  • Room Type: Kitchen
  • Room Level: Second
  • Room Length: 31.0
  • Room Width: 22.0
  • Room Dimensions: 31 x 22
Room 5
  • Room Type: Bedroom
  • Room Level: Second
  • Room Length: 13.0
  • Room Width: 8.5
  • Room Dimensions: 13 x 8.5
Room 6
  • Room Type: Bedroom
  • Room Level: Second
  • Room Length: 12.5
  • Room Width: 12.0
  • Room Dimensions: 12.5 x 12
Room 7
  • Room Type: Bedroom
  • Room Level: Third
  • Room Length: 15.7
  • Room Dimensions: 15.7 x 12.5
Room 8
  • Room Type: Bedroom
  • Room Level: Third
  • Room Length: 11.8
  • Room Width: 8.2
  • Room Dimensions: 11.8 x 8.2
Room 9
  • Room Type: Bunk Room
  • Room Level: Third
  • Room Length: 12.0
  • Room Width: 8.0
  • Room Dimensions: 12 x 8
Room 10
  • Room Type: Bedroom
  • Room Level: Fourth
  • Room Length: 19.4
  • Room Width: 10.3
  • Room Dimensions: 19.4 x 10.3
Room 11
  • Room Type: Loft
  • Room Level: Fourth
  • Room Length: 12.5
  • Room Width: 11.2
  • Room Dimensions: 12.5 x 11.2
Room 12
  • Room Type: Bonus Room
  • Room Level: Fourth
  • Room Length: 12.5
  • Room Width: 7.3
  • Room Dimensions: 12.5 x 7.3
Multi Family
Multi Family Information
  • Furnished: Furnished - All
Rental
Rent Information
  • General Property Info:Immediate Occupancy: true
  • Listing Info Tax Legal:Is Subject Leased: false

Property History for 20405 Front Beach Road

DateEvent & SourcePriceAppreciation
Apr 13, 2026

Withdrawn

CPAR #771944

$4,699,000—
Apr 13, 2026

Withdrawn

CPAR #771944

$4,695,000—
Apr 12, 2026

Listed (Active)

ECAR #1000438

$4,699,000—
DateEvent & SourcePrice
04/13/2026

Withdrawn

CPAR #771944

$4,699,000
04/13/2026

Withdrawn

CPAR #771944

$4,695,000
04/12/2026

Listed (Active)

ECAR #1000438

$4,699,000

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

Public Records for 20405 Front Beach Road

Taxable ValueLand$991,800Additions$1,649,945Total$2,641,745
Tax Record2025$32,477 ($2,706 / month)
Home Facts
Beds9Total Finished SqFt6,645 SqFtAbove Grade Finished SqFt6,645 SqFtStories4Lot Size3,964 SqFtStyleSingle Family ResidenceYear Built2019ZoningBC23CountyBAYAPN36627-000-000

Schools near 20405 Front Beach Road

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

Surfside Middle School
PublicPK to 12

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 20405 Front Beach Road, Panama City Beach, FL 32413

20405 Front Beach Road is a single family home for sale in Panama City Beach, FL 32413. This property was listed for sale on April 12, 2026 by Compass, it's currently listed at $4,695,000. It has been on the market for a total of 409 days and was last sold on December 15, 2021. This listing's school district is Bay. Nearby schools include West Bay Elementary School, Surfside Middle School and J.R. Arnold High School. 20405 Front Beach Road is a 9-bed, 10-bath, 5,215 sqft single family home built in 2019.

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.

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.