8700 Front Beach Rd, Unit 4104

Panama City Beach, FL 32407

$281,000
Price
3
Beds
1,761 Sq. Ft.
$160 / Sq. Ft.
1,761
Sq. Ft.
$160
per Sq. Ft.

Description

Seller offering up to $8,000 in closing cost assistance or an interest rate buy-down! Priced well below market value - get a 3-bedroom for less than the price of a 2-bedroom! Welcome to Island Reserve, where resort-style living meets unbeatable convenience. This ground-floor 3-bedroom, 2.5-bath condo offers the ultimate in comfort and accessibility — just 30 steps from the covered parking garage to your front door! Step inside to find an open-concept layout featuring 10-foot ceilings, crown molding,...Seller offering up to $8,000 in closing cost assistance or an interest rate buy-down! Priced well below market value - get a 3-bedroom for less than the price of a 2-bedroom! Welcome to Island Reserve, where resort-style living meets unbeatable convenience. This ground-floor 3-bedroom, 2.5-bath condo offers the ultimate in comfort and accessibility — just 30 steps from the covered parking garage to your front door! Step inside to find an open-concept layout featuring 10-foot ceilings, crown molding, and beautiful bamboo flooring (with cozy carpet in the bedrooms). The kitchen is designed for both function and style, with stainless steel appliances, granite countertops, a decorative stone backsplash, and solid wood cabinetry. The primary suite is a true retreat, highlighted by a stunning custom tile shower and a cedar-lined closet — a rare and luxurious touch! Enjoy your morning coffee or evening drink on the covered patio, the perfect place to unwind after a long day. Washer and dryer convey for added convenience. Island Reserve offers incredible resort-style amenities, including a massive lagoon-style pool with a waterfall, basketball court, state-of-the-art fitness center, movie theatre, and meeting room — every day feels like a staycation! Located close to the beach, Pier Park, and premier shopping and dining, this condo puts you right in the heart of everything Panama City Beach has to offer. VA approved! Don't miss out on this incredible opportunity — call your favorite Realtor today to schedule a private showing! Buyer to verify all important information.
  1. Listed by Tina M Quick • Gulf Life Real Estate Inc
  2. Listed by Cyndi Beebe • Gulf Life Real Estate Inc

Property Details for 8700 Front Beach Road, Unit 4104

Architectural Style
Low Rise
Parking Features
Community Structure, Gated
Subdivision Name
Island Reserve
Zoning Description
Resid Multi-Family
LISTING UPDATED: 12/18/2025 05:42 PM

Property Details for 8700 Front Beach Road, Unit 4104

StatusActive
MLS #781639
Days on Market46
Taxes-
HOA Fees-
Condo/Co-op Fees-
Compass TypeCondo
MLS TypeResidential / Condominium / Condominium
Year Built2009
CountyBay County

Location

Listing Courtesy of Gulf Life Real Estate Inc
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Building Information for 8700 Front Beach Road, Unit 4104

Building/Complex8700 Front Beach RdFloor41Stories-Residences-Pet Policy-Pet Policy Details-Year Built2009

Payment Calculator

$1,389 per month

30 year fixed, 6.28% Interest

Principal and Interest

$1,389

Property Taxes

$0

HOA Dues

$0

The Payment Calculator is for illustrative purposes only.

Property Information for 8700 Front Beach Road, Unit 4104

Summary
Location and General Information
  • City: Panama City Beach
  • County Or Parish: Bay
  • Directions: From the Hathaway Bridge going west stay on Front Beach Road. At second redlight (Laurie Avenue), Island Reserve will be on the right. Enter gate and continue to the west garage. Unit is on first floor of building 4.
  • State Region: FL
  • Postal Code: 32407
  • Latitude: 30.18453
  • Longitude: -85.784147
  • State Or Province: FL
  • MLS Area Major: 03 - Bay County - Beach
  • MLS Area Minor: 0320 - Beach - Middle Central
Taxes and HOA Information
  • Parcel Number: 40001-100-107
  • Association: Yes
  • Tax Legal Description: ISLAND RESERVE 31 3S 15W TYPE D-D BLDG 4 UNIT 4104 MAP 57C4 3BR 2.5B 1761 H&C ORB 3018 P 563 275 BALC ORB 4114 P 455
School Information
  • Elementary School: Breakfast Point
  • High School: Arnold
  • Middle Or Junior School: Breakfast Point
Parking
  • Attached Garage: No
  • Garage Spaces: 1.0
  • Garage: Yes
Property
Lot Information
  • Building Area Total: 1761.0
  • Lot Size Dimensions: 0x0
  • Living Area Source: Appraiser
Property and Assessments
  • Year Built: 2009
  • New Construction: No
  • Human Modified: No
Utilities
  • Sewer: Public Sewer
  • Utilities: Electricity Available
Interior and Exterior Features
Exterior Features
  • Building Features: Dumpster
  • Pool Features: Gunite, In Ground, Community
  • Association Amenities: Gated, Spa Hot Tub
  • Community Features: Basketball Court, Clubhouse, Conference Meeting Room, Elevator, Fitness Center, Park, Pool, Gated
  • Construction Materials: Hardiplank Type
  • Patio And Porch Features: Covered, Patio
  • Security Features: Gated Community, Twenty Four Hour Security, Security Gate, Security Service
  • Spa Features: Community
Interior Features
  • Bathrooms Full: 2
  • Bathrooms Half: 1
  • Bathrooms Total: 3
  • Bedrooms Total: 3
  • Rooms Total: 6
  • Cooling: Yes
  • Cooling: Central Air, Ceiling Fans
  • Heating: Yes
  • Heating: Electric
  • Appliances: Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater
  • Interior Features: Coffered Ceilings
  • Window Features: Double Pane Windows
Room Information
Room 1
  • Room Dimensions: 12 x 11
  • Room Length: 12.0
  • Room Level: First
  • Room Type: Bedroom
  • Room Width: 11.0
Room 2
  • Room Dimensions: 13 x 11
  • Room Length: 13.0
  • Room Level: First
  • Room Type: Bedroom
  • Room Width: 11.0
Room 3
  • Room Dimensions: 15 x 10
  • Room Length: 15.0
  • Room Level: First
  • Room Type: Kitchen
  • Room Width: 10.0
Room 4
  • Room Dimensions: 10 x 10
  • Room Length: 10.0
  • Room Level: First
  • Room Type: Dining Room
  • Room Width: 10.0
Room 5
  • Room Dimensions: 17 x 13
  • Room Length: 17.0
  • Room Level: First
  • Room Type: Living Room
  • Room Width: 13.0
Room 6
  • Room Dimensions: 16 x 12
  • Room Length: 16.0
  • Room Level: First
  • Room Type: Primary Bedroom
  • Room Width: 12.0
Multi Family
Multi-Family Information
  • Units Furnished: None
Mobile Home
Mobile Home Information
  • Mobile Dim Units: Feet
Rental
Rental Information
  • Occupant Type: Vacant

Property History for 8700 Front Beach Road, Unit 4104

DateEvent & SourcePriceAppreciation
Dec 18, 2025

Price Change

CPAR #781639

$281,000—
Nov 14, 2025

Listed (Active)

CPAR #781639

$289,000—
Oct 28, 2025

Withdrawn

CPAR #759757

$299,000—
Jul 11, 2024

Listed (Active)

CPAR #759757

$360,000—
Apr 18, 2019

Sold (Public Record)

Public Record #643549111

$262,000

+8.0% / yr

Apr 18, 2019

Sold

CPAR #680953

$262,000—
Mar 22, 2019

Pending

CPAR #680953

—
Mar 4, 2019

Listed (Active)

CPAR #680953

$259,900—
Apr 28, 2014

Sold (Public Record)

Public Record #415719829

$179,000

+5.5% / yr

Nov 16, 2009

Sold (Public Record)

Public Record #279169004

$141,000—
DateEvent & SourcePrice
12/18/2025

Price Change

CPAR #781639

$281,000
11/14/2025

Listed (Active)

CPAR #781639

$289,000
10/28/2025

Withdrawn

CPAR #759757

$299,000
07/11/2024

Listed (Active)

CPAR #759757

$360,000
04/18/2019

Sold (Public Record)

Public Record #643549111

$262,000

+8.0% / yr

04/18/2019

Sold

CPAR #680953

$262,000
03/22/2019

Pending

CPAR #680953

—
03/04/2019

Listed (Active)

CPAR #680953

$259,900
04/28/2014

Sold (Public Record)

Public Record #415719829

$179,000

+5.5% / yr

11/16/2009

Sold (Public Record)

Public Record #279169004

$141,000

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

Public Records for 8700 Front Beach Road, Unit 4104

Taxable ValueLand-Additions-Total-
Home Facts
Beds3Total Finished SqFt1,761 SqFtAbove Grade Finished SqFt1,761 SqFtStyleCondominiumYear Built2009CountyBAYAPN40001-100-107

Schools near 8700 Front Beach Road, Unit 4104

This home is within Bay.
Rating
School
Type
Grades
Distance
Breakfast Point Academy
Public - PK to 8
J.R. Arnold High School
Public - 9 to 12
A. Gary Walsingham Academy
Public - PK to 3
St. Andrew School
Public - PK to 5
Rating
School
Distance
Breakfast Point Academy
PublicPK to 8

J.R. Arnold High School
Public9 to 12

A. Gary Walsingham Academy
PublicPK to 3

St. Andrew School
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 8700 Front Beach Road, Unit 4104, Panama City Beach, FL 32407

8700 Front Beach Road, Unit 4104 is a condo for sale in Panama City Beach, FL 32407. This property was listed for sale on November 14, 2025 by Gulf Life Real Estate Inc, it's currently listed at $281,000. It has been on the market for a total of 46 days and was last sold on April 18, 2019. This listing's school district is Bay. Nearby schools include Breakfast Point Academy, J.R. Arnold High School and A. Gary Walsingham Academy. 8700 Front Beach Road, Unit 4104 is a 3-bed, 3-bath, 1,761 sqft condo built in 2009.

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.

Listing Courtesy of Gulf Life Real Estate Inc

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.