20816 Front Beach Rd

2,808 Sq. Ft.
$890 / Sq. Ft.
2,808
Sq. Ft.
$890
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: 03/29/2026 02:20 PM

Property Details for 20816 Front Beach Road

StatusActive
MLS #990262
Days on Market158
Taxes$21,119 / year
HOA Fees-
Condo/Co-op Fees-
Property 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
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Building Information for 20816 Front Beach Road

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

Payment Calculator

$14,349 per month

30 year fixed, 6.46% Interest

Principal and Interest

$12,589

Property Taxes

$1,760

HOA Dues

$0

The Payment Calculator is for illustrative purposes only.

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Property Information for 20816 Front Beach Road

Summary
Location and General Information
  • Community Features: Short Term Rental - Allowed, 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
  • Garage: true
Taxes and HOA
  • Tax Legal Description: SANTA MONICA BEACH LOT 1 BLK 3 ORB 4705 P 1157
  • Parcel Number: 37194-000-000
  • Association Fee: $0
  • 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
  • Occupancy Status: Vacation Rental
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: false

Property History for 20816 Front Beach Road

DateEvent & SourcePriceAppreciation
Mar 29, 2026

Price Change

CPAR #782793

$2,500,000—
Mar 29, 2026

Price Change

ECAR #990262

$2,500,000—
Mar 9, 2026

Price Change

CPAR #782793

$2,550,000—
DateEvent & SourcePrice
03/29/2026

Price Change

CPAR #782793

$2,500,000
03/29/2026

Price Change

ECAR #990262

$2,500,000
03/09/2026

Price Change

CPAR #782793

$2,550,000

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$1,324,917Additions$462,287Total$1,787,204
Tax Record2025$21,972 ($1,831 / month)
Home Facts
Beds5Total Finished SqFt2,772 SqFtAbove Grade Finished SqFt2,772 SqFtStories2Lot Size7,667 SqFtStyleSingle Family ResidenceYear Built2002ZoningBC15CountyBAYAPN37194-000-000Fireplace TypeHas Fireplace

Schools near 20816 Front Beach Road

This home is within Bay.
Rating
School
Type
Grades
Distance
Public - PK to 5
Public - PK to 12
Public - 9 to 12
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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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 $2,500,000. It has been on the market for a total of 158 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, 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 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© 2026 Emerald Coast Association of REALTORS, Central Panhandle Association of REALTORS, Pensacola Association of REALTORS and Capital Area Technology & REALTOR Services. All Rights Reserved.