20816 Front Beach Rd

$2,600,000
Price
6
Beds
2,808 Sq. Ft.
$926 / Sq. Ft.
2,808
Sq. Ft.
$926
per Sq. Ft.

Description

Welcome to your ultimate beach retreat on the highly sought-after west end of Panama City Beach! This fully remodeled 6-bedroom, 4-bath coastal stunner delivers the perfect blend of luxury, entertainment, and Gulf-side living. Enjoy beautiful views of the Gulf along with private beach access, giving you the beachfront lifestyle everyone dreams of. Step into a home that feels welcoming with high-end finishes, designer touches, upgraded LED lighting, and a thoughtful layout that makes every space shine....Welcome to your ultimate beach retreat on the highly sought-after west end of Panama City Beach! This fully remodeled 6-bedroom, 4-bath coastal stunner delivers the perfect blend of luxury, entertainment, and Gulf-side living. Enjoy beautiful views of the Gulf along with private beach access, giving you the beachfront lifestyle everyone dreams of. Step into a home that feels welcoming with high-end finishes, designer touches, upgraded LED lighting, and a thoughtful layout that makes every space shine. The home comes fully furnished, offering a true turnkey opportunity whether you plan to use it as a primary residence, second home, or high-performing investment property. Outside, the fun really begins. The expansive outdoor area is built for entertaining with multiple seating zones, a heated private pool, and vibrant LED lighting that transforms the space into a coastal oasis at night. The property also features a mini-golf area, perfect for guests, kids, and everyone looking to enjoy a little friendly competition. From the incredible outdoor amenities to the luxurious interior updates, this home offers an unmatched experience on Front Beach Road. If you're searching for a Gulf-view property that truly has it all, this is the one. Information contained within this listing such as lot dimensions, is deemed to be accurate but is not guaranteed. Buyer to verify.
  1. Listed by Cyndi Wilkinson • Brokerage DRE #1038869 • Rosemary Beach Realty LLC
    P: (850)-814-4323 C: (850)-814-4323 cyndi@rosemarybeachrealty.com

Property Details for 20816 Front Beach Road

View
Gulf
Zoning
County
Architectural Style
Beach House
Subdivision Name
SANTA MONICA BEACH
LISTING UPDATED: 12/02/2025 04:44 PM

Property Details for 20816 Front Beach Road

StatusActive
MLS #990262
Days on Market29
Taxes$21,119 / year
HOA Fees$240 / year
Condo/Co-op Fees-
Compass TypeSingle Family
MLS TypeResidential / Detached Single Family
Year Built2002
Lot Size0.34 AC / 14,810 SF
CountyBay County

Location

Listing Courtesy of Rosemary Beach Realty LLC
Add your commute

Building Information for 20816 Front Beach Road

Stories2Year Built2002Building Size-Lot Size0.34 AC / 14,810 SF

Payment Calculator

$14,627 per month

30 year fixed, 6.28% Interest

Principal and Interest

$12,848

Property Taxes

$1,760

HOA Dues

$20

The Payment Calculator is for illustrative purposes only.

Property Information for 20816 Front Beach Road

Summary
Location and General Information
  • Community Features: BBQ Pit/Grill, Deed Access, Picnic Area, Pool, Separate Storage, TV Cable, Waterfront
  • Directions: West end of Front Beach: Drive east 2.4 miles on Front Beach Rd and the house is on the left. East End on 98: Turn onto Twin Lakes Dr South, Follow to Front Beach Rd. Turn right and drive 0.2 miles and the house is on the right.
  • MLS Area Minor: 2724 - Beach - West Central
  • MLS Area Major: 27 - Bay County
  • Latitude: 30.248651
  • Longitude: -85.943787
  • Location Tax and Legal:Sub Area: 2724 - Beach - West Central
  • 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: SANTA MONICA BEACH LOT 1 BLK 3 ORB 4705 P 1157
  • Project Facilities: BBQ PitGrill2, Deed Access, Picnic Area, Pool2, Separate Storage, Short Term Rental - Allowed, TV Cable3, Waterfront
Taxes and HOA
  • Association Fee Frequency: Annually
  • Association Fee2: $240
  • Tax Legal Description: SANTA MONICA BEACH LOT 1 BLK 3 ORB 4705 P 1157
  • Parcel Number: 37194-000-000
  • Association Fee: $0
  • Association YN: Yes
  • Tax Annual Amount: $21,119
  • Listing Info Tax Legal:Last Taxes: $21,119
  • Listing Info Tax Legal:Last Tax Year: 2024.0
School Information
  • Elementary School: West Bay
  • Middle Or Junior School: Surfside
  • High School: Arnold
Parking
  • Carport YN: No
  • Attached Garage YN: Yes
  • Garage Spaces: 2.0
  • Parking Features: Garage Attached
Property
Lot Information
  • Building Area Source: Agent-Measured
  • Lot Size Dimensions: 109x154x118x108
  • Lot Size Acres: 0.34
  • Lot Size Area: 0.34
  • Lot Size Units: Acres
  • Property Condition: Renovated, Construction Complete
  • Lot Features: Corner, Within 1/2 Mile to Water
  • Building Area Total: 2808.0
  • Lot Size Square Feet: 14810.4
  • General Property Info:SqFt Source: Agent-Measured
  • Waterview: Gulf2
  • LotParcel Access: Paved Road
  • Lot Features: Corner, Within 12 Mile to Water
Property and Assessments
  • Road Surface Type: Paved
  • Tax Year: 2024.0
  • Floor Plans Count: 0.0
  • Property Type: Residential
  • Year Built: 2002.0
  • Property Sub Type: Detached Single Family
  • New Construction YN: No
  • General Property Info:Sub-Type: Detached Single Family
  • General Property Info:Design: Beach House
  • Construction Status: Construction Complete
  • Construction Siding: Block, Frame, Roof Metal, Roof Pitched, Siding Vinyl, Siding Wood, Slab, Stucco
Utilities
  • Sewer: Septic Tank
  • Utilities: Electric, Gas - Natural, Phone, Sewer Available, TV Cable
  • Water Source: Well
  • Electric: True
  • Utilities: Electric, Gas - Natural, Phone2, Private Well, Septic Tank, Sewer Available, TV Cable
  • Energy: AC - 2 or More, AC - Central Elect, Ceiling Fans, Heat - Two or More, Heat Cntrl Gas, Water Heater - Elect
Interior and Exterior Features
Exterior Features
  • Exterior Features: Balcony, Hurricane Shutters, Shower, Sprinkler System
  • Construction Materials: Block, Frame, Roof Pitched, Siding Vinyl, Siding Wood, Stucco
  • Foundation Details: Slab
  • Stories: 2.0
  • Pool Features: Pool - Heated, Pool - In-Ground, Pool Type
  • Patio And Porch Features: Patio Open
  • Fencing: Fenced Lot-All
  • General Property Info:Pool: Yes
  • General Property Info:Pool Type: Private
  • Exterior: Balcony, Fenced Lot-All, Hurricane Shutters, Patio Open, Pool - Heated, Pool - In-Ground, Renovated, Shower, Sprinkler System
Interior Features
  • Heating: Natural Gas
  • Cooling: Ceiling Fans, Central Air
  • Interior Features: Built-In Bookcases, Fireplace, Shelving, Wallpaper, Washer/Dryer Hookup
  • Flooring: Floor Hardwood, Floor Tile, Floor WW Carpet
  • Window Features: Window Bay, Window Treatment All
  • Room Type: Kitchen, Master Bedroom, Master Bathroom, Bedroom, Full Bathroom, Dining Room, Balcony, Covered Porch, Garage
  • Rooms Total: 13.0
  • Bathrooms Total Integer: 4.0
  • Bathrooms Total Decimal: 4.0
  • Bathrooms Total Notational: 4.0
  • Cooling YN: Yes
  • Heating YN: Yes
  • Bedrooms Total: 6.0
  • Bathrooms Full: 4.0
  • Bathrooms Half: 0.0
  • Interior: Built-In Bookcases, Fireplace, Floor Hardwood, Floor Tile, Floor WW Carpet, Renovated2, Shelving, Wallpaper, WasherDryer Hookup, Window Bay, Window Treatment All
  • Appliances: Auto Garage Door Opn, Dishwasher, Disposal, Dryer, Microwave, Oven Self Cleaning, Refrigerator WIceMk, Smoke Detector, StoveOven Gas, Washer
Room Information
Room 1
  • Room Type: Kitchen
  • Room Level: First
  • Room Length: 27.0
  • Room Width: 10.0
  • Room Description: Eat-in Kitchen
  • Room Dimensions: 27 x 10
Room 2
  • Room Type: Master Bedroom
  • Room Level: Second
  • Room Length: 17.0
  • Room Width: 15.0
  • Room Dimensions: 17 x 15
Room 3
  • Room Type: Master Bathroom
  • Room Level: Second
  • Room Length: 13.0
  • Room Width: 11.0
  • Room Dimensions: 13 x 11
Room 4
  • Room Type: Bedroom
  • Room Level: Second
  • Room Length: 14.0
  • Room Width: 11.0
  • Room Dimensions: 14 x 11
Room 5
  • Room Type: Full Bathroom
  • Room Level: Second
  • Room Length: 8.0
  • Room Width: 5.0
  • Room Dimensions: 8 x 5
Room 6
  • Room Type: Bedroom
  • Room Level: First
  • Room Length: 11.0
  • Room Width: 11.0
  • Room Dimensions: 11 x 11
Room 7
  • Room Type: Dining Room
  • Room Level: First
  • Room Length: 25.0
  • Room Description: Dining/Living Combo
  • Room Dimensions: 25 x 14
Room 8
  • Room Type: Bedroom
  • Room Level: First
  • Room Length: 12.0
  • Room Width: 12.0
  • Room Dimensions: 12 x 12
Room 9
  • Room Type: Full Bathroom
  • Room Level: First
  • Room Length: 10.0
  • Room Width: 6.0
  • Room Dimensions: 10 x 6
Room 10
  • Room Type: Full Bathroom
  • Room Level: First
  • Room Length: 12.0
  • Room Width: 6.0
  • Room Dimensions: 12 x 6
Room 11
  • Room Type: Balcony
  • Room Level: Second
  • Room Length: 38.0
  • Room Width: 13.0
  • Room Dimensions: 38 x 13
Room 12
  • Room Type: Covered Porch
  • Room Level: First
  • Room Length: 38.0
  • Room Width: 13.0
  • Room Dimensions: 38 x 13
Rental
Rent Information
  • Listing Info Tax Legal:Is Subject Leased: No

Property History for 20816 Front Beach Road

DateEvent & SourcePriceAppreciation
Dec 18, 2025

Listed (Active)

CPAR #782793

$2,600,000—
Nov 24, 2025

Listed (Active)

ECAR #990262

$2,600,000—
Aug 25, 2025

Withdrawn

ECAR #974328

$2,650,000—
Apr 19, 2025

Listed (Active)

ECAR #974328

$2,650,000—
Oct 31, 2024

Expired

ECAR #942017

—
Aug 27, 2024

Temporarily Off Market

ECAR #942017

—
Aug 27, 2024

Withdrawn

CPAR #752451

$2,475,000—
Jun 23, 2024

Expired

ECAR #942017

—
Mar 26, 2024

Pending

ECAR #942017

—
Mar 20, 2024

Price Change

ECAR #942017

$2,599,000—
Feb 10, 2024

Listed (Active)

ECAR #942017

$2,500,000—
Feb 7, 2024

Listed (Active)

CPAR #752451

$2,500,000—
Jun 23, 2023

Sold (Public Record)

Public Record #1514806589

$2,000,000

+12.4% / yr

Jun 23, 2023

Sold

CPAR #742023

$2,000,000—
May 31, 2023

Pending

CPAR #742023

—
May 27, 2023

Listed (Active)

CPAR #742023

$2,200,000—
Jul 21, 2017

Sold

CPAR #654947

$1,000,000—
Jul 21, 2017

Sold

ECAR #753819

$1,000,000—
Jul 17, 2017

Sold (Public Record)

Public Record #601981037

$1,000,000—
Jul 17, 2017

Sold (Public Record)

Public Record #601981037

$1,000,000

-0.4% / yr

Jun 24, 2017

Pending

CPAR #654947

—
Jun 23, 2017

Pending

ECAR #753819

—
Feb 3, 2017

Listed (Active)

CPAR #654947

$1,290,000—
Jan 14, 2017

Withdrawn

CPAR #644537

$1,290,000—
Dec 14, 2016

Price Change

ECAR #753819

$1,290,000—
Apr 2, 2016

Listed (Active)

CPAR #644537

$1,490,000—
Mar 21, 2016

Listed (Active)

ECAR #753819

$1,390,000—
Oct 1, 2015

Expired

CPAR #632486

$1,350,000—
May 26, 2015

Expired

CPAR #620188

$1,595,000—
May 26, 2015

Listed (Active)

CPAR #632486

$1,350,000—
Jun 4, 2014

Listed (Active)

CPAR #620188

$1,650,000—
Apr 14, 2014

Expired

CPAR #608873

$1,650,000—
Apr 13, 2014

Expired

ECAR #596311

—
May 5, 2013

Listed (Active)

CPAR #608873

$1,650,000—
Apr 13, 2013

Listed (Active)

ECAR #596311

$1,650,000—
Jan 29, 2004

Sold (Public Record)

Public Record #128615733

$1,050,000

+57.4% / yr

Jan 27, 2004

Sold

CPAR #314761

$1,050,000—
Dec 28, 2003

Pending

CPAR #314761

—
Dec 11, 2003

Listed (Active)

CPAR #314761

$1,290,000—
Feb 15, 2001

Sold (Public Record)

Public Record #70536320

$275,000—
Feb 27, 1998

Sold

CPAR #91581

$185,000—
Dec 29, 1997

Listed (Active)

CPAR #91581

$189,900—
DateEvent & SourcePrice
12/18/2025

Listed (Active)

CPAR #782793

$2,600,000
11/24/2025

Listed (Active)

ECAR #990262

$2,600,000
08/25/2025

Withdrawn

ECAR #974328

$2,650,000
04/19/2025

Listed (Active)

ECAR #974328

$2,650,000
10/31/2024

Expired

ECAR #942017

—
08/27/2024

Temporarily Off Market

ECAR #942017

—
08/27/2024

Withdrawn

CPAR #752451

$2,475,000
06/23/2024

Expired

ECAR #942017

—
03/26/2024

Pending

ECAR #942017

—
03/20/2024

Price Change

ECAR #942017

$2,599,000
02/10/2024

Listed (Active)

ECAR #942017

$2,500,000
02/07/2024

Listed (Active)

CPAR #752451

$2,500,000
06/23/2023

Sold (Public Record)

Public Record #1514806589

$2,000,000

+12.4% / yr

06/23/2023

Sold

CPAR #742023

$2,000,000
05/31/2023

Pending

CPAR #742023

—
05/27/2023

Listed (Active)

CPAR #742023

$2,200,000
07/21/2017

Sold

CPAR #654947

$1,000,000
07/21/2017

Sold

ECAR #753819

$1,000,000
07/17/2017

Sold (Public Record)

Public Record #601981037

$1,000,000
07/17/2017

Sold (Public Record)

Public Record #601981037

$1,000,000

-0.4% / yr

06/24/2017

Pending

CPAR #654947

—
06/23/2017

Pending

ECAR #753819

—
02/03/2017

Listed (Active)

CPAR #654947

$1,290,000
01/14/2017

Withdrawn

CPAR #644537

$1,290,000
12/14/2016

Price Change

ECAR #753819

$1,290,000
04/02/2016

Listed (Active)

CPAR #644537

$1,490,000
03/21/2016

Listed (Active)

ECAR #753819

$1,390,000
10/01/2015

Expired

CPAR #632486

$1,350,000
05/26/2015

Expired

CPAR #620188

$1,595,000
05/26/2015

Listed (Active)

CPAR #632486

$1,350,000
06/04/2014

Listed (Active)

CPAR #620188

$1,650,000
04/14/2014

Expired

CPAR #608873

$1,650,000
04/13/2014

Expired

ECAR #596311

—
05/05/2013

Listed (Active)

CPAR #608873

$1,650,000
04/13/2013

Listed (Active)

ECAR #596311

$1,650,000
01/29/2004

Sold (Public Record)

Public Record #128615733

$1,050,000

+57.4% / yr

01/27/2004

Sold

CPAR #314761

$1,050,000
12/28/2003

Pending

CPAR #314761

—
12/11/2003

Listed (Active)

CPAR #314761

$1,290,000
02/15/2001

Sold (Public Record)

Public Record #70536320

$275,000
02/27/1998

Sold

CPAR #91581

$185,000
12/29/1997

Listed (Active)

CPAR #91581

$189,900

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

Public Records for 20816 Front Beach Road

Taxable ValueLand$1,227,139Additions$488,096Total$1,715,235
Tax Record2024$21,119 ($1,760 / month)
Home Facts
Beds5Total Finished SqFt2,772 SqFtAbove Grade Finished SqFt2,772 SqFtStories2Lot Size7,667 SqFtStyleSingle Family ResidenceYear Built2002Year Renovated2007ZoningBC15CountyBAYAPN37194-000-000Fireplace TypeHas Fireplace

Schools near 20816 Front Beach Road

This home is within Bay.
Rating
School
Type
Grades
Distance
Public - K to 5
Public - 6 to 8
Public - 9 to 12
Public - PK to 3
Rating
School
Distance
West Bay Elementary School
PublicK to 5

Surfside Middle School
Public6 to 8

J.R. Arnold High School
Public9 to 12

A. Gary Walsingham Academy
PublicPK to 3

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.

Similar Homes

Similar Sold Homes

20816 Front Beach Road is a single family home for sale in Panama City Beach, FL 32413. This property was listed for sale on November 24, 2025 by Rosemary Beach Realty LLC, it's currently listed at $2,600,000. It has been on the market for a total of 29 days and was last sold on June 23, 2023. This listing's school district is Bay. Nearby schools include West Bay Elementary School, Surfside Middle School and J.R. Arnold High School. 20816 Front Beach Road is a 6-bed, 4-bath, 2,808 sqft single family home built in 2002.

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 makes no guarantee, warranty or representation regarding the accuracy of any waterfront feature, water view or waterfront view.

Listing Courtesy of Rosemary Beach Realty LLC

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© 2025 Emerald Coast Association of REALTORS, Central Panhandle Association of REALTORS, Pensacola Association of REALTORS and Capital Area Technology & REALTOR Services. All Rights Reserved.