12011 Front Beach Road 103B, Panama City Beach, FL 32407

$450,000
Property Type: Residential Bedrooms: 2 Baths: 2 Square Footage: 1,076 Status: Active
Current Price: $450,000 List Date: 5/20/2025 Last Modified: 2/16/2026

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, 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....

Supplements: 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.

More Information MLS# 976787

Status Change Info

Status: Active

Contract Info

List Date: 2025-05-20 Current Price: $450,000 List Price: $450,000 List Price/SqFt: 418.22 Listing Board: Emerald Coast

Location Tax and Legal

Area: 27 - Bay County Street #: 12011 Street Name: Front Beach Street Suffix: Road State: FL Zip Code: 32407 County: Bay Project Name/Subdivision: STERLING REEF Parcel ID: 34809-610-003

General Property Info

Sub-Type: Condominium Design: N/A Apx SqFt(Htd/Cooled): 1076 SqFt Source: County PA Records Bedrooms: 2 Full Baths: 2 Total Bathrooms: 2 Stories In Unit: 1 # of Units in Bldg: 126 Stories in Building: 22 Unit Floors Above Ground: 4 Year Built: 2005 Immediate Occupancy: Yes Pre-Const Flip: No Garage: Yes Carport: No Pool: Yes Pool Type: Community

Property Features

Construction Status: Construction Complete Waterfront: Gulf Waterview: Gulf Parking Features: Garage; Garage Attached Project Facilities: BBQ Pit/Grill; Beach; Community Room; Elevators; Exercise Room; Pets Allowed; Pool; Short Term Rental - Allowed; TV Cable; Waterfront Exterior: Balcony Interior: Breakfast Bar; Floor Tile; Furnished - All; Kitchen Island; Lighting Recessed; Split Bedroom; Washer/Dryer Hookup; Window Treatment All; Woodwork Painted Appliances: Dishwasher; Disposal; Dryer; Microwave; Refrigerator; Smoke Detector; Stove/Oven Electric; Washer Utilities: Electric; Phone; Public Sewer; Public Water; TV Cable Energy: AC - Central Elect; Ceiling Fans; Heat Cntrl Electric Master Bedroom: First Bedroom: First Full Bathroom: First Rooms: Balcony; Bedroom; Dining Room; Full Bathroom; Master Bedroom Financing: Conventional Fees Include: Ground Keeping; Insurance; Internet Service; Management; Master Association; Recreational Faclty; Trash; TV Cable; Water

Room Information

Master Bedroom Level: First Dimensions: 17 x 11 Length: 17.00 Width: 11.00 Dimensions: 17 x 11 Bedroom Level: First Dimensions: 11 x 11 Length: 11.00 Width: 11.00 Dimensions: 11 x 11 Dining Room Level: First Dimensions: 17 x 14 Length: 17.00 Width: 14.00 Dimensions: 17 x 14 Balcony Level: First Dimensions: 27 x 19 Length: 27.00 Width: 19.00 Dimensions: 27 x 19 Full Bathroom Level: First Dimensions: 10 x 9 Length: 10.00 Width: 9.00 Dimensions: 10 x 9 Full Bathroom Level: First Dimensions: 8 x 6 Length: 8.00 Width: 6.00 Dimensions: 8 x 6
Listing Office: Keller Williams Realty SRB
Last Updated: February - 16 - 2026
All information is believed to be accurate but is not guaranteed. Protected by Copyright© 2026 and is owned either by the Emerald Coast Association of REALTORS®, Inc or by the developers of the software, FBS, Inc. All rights reserved.

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