12011 Front Beach Road 103B, Panama City Beach, FL 32407 (MLS# 976787)

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.

Status Change Info

Sold Price/SqFt: 397.77 Status: Sold Under Contract Date: 2026-03-21 Sold Date: 2026-04-10 Sold Price: $428,000

Contract Info

Listing Board: Emerald Coast List Price/SqFt: 418.22 List Date: 2025-05-20 Current Price: $428,000 List Price: $450,000

Location, Tax and Legal

Unit #: 103B Sub Area: 2718 - Beach - Central South Elementary School: Breakfast Point Middle School: Surfside High School: Arnold Legal Description: STERLING REEF UNIT 103 TYPE B ORB 2578 P 120 ARUBA 2BD/2BTH ORB 3576 P 749 1076 SQ.FT.=H&C . 474 SQ.FT.=BALC

General Property Info

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

Listing Info, Tax & Legal

Who Paid Doc Stamps: Seller Who Paid Title: Seller Homestead: No Is Subject Leased: No Assessment Fees: Yes Assessment Amount: 977 Annual Assessment Amount: 11724 Assessment Paid: Monthly New Buyer Fee: No Last Taxes: 5465.08 Last Tax Year: 2024 Brokerage Interest: No Interest As Is: Yes

Remarks & Misc

Remarks: 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....

Waterfront

Gulf: 1

Construction Status

Construction Complete: 1

Parking Features

Garage: 1 Garage Attached: 1

Waterview

Gulf: 1

Project Facilities

BBQ Pit/Grill: 1 Beach: 1 Community Room: 1 Elevators: 1 Exercise Room: 1 Pets Allowed: 1 Pool: 1 Short Term Rental - Allowed: 1 TV Cable: 1 Waterfront: 1

Construction/Siding

Concrete: 1

Utilities

Electric: 1 Phone: 1 Public Sewer: 1 Public Water: 1 TV Cable: 1

Exterior

Balcony: 1

Interior

Breakfast Bar: 1 Floor Tile: 1 Furnished - All: 1 Kitchen Island: 1 Lighting Recessed: 1 Split Bedroom: 1 Washer/Dryer Hookup: 1 Window Treatment All: 1 Woodwork Painted: 1

Financing

Conventional: 1

Appliances

Dishwasher: 1 Disposal: 1 Dryer: 1 Microwave: 1 Refrigerator: 1 Smoke Detector: 1 Stove/Oven Electric: 1 Washer: 1

Energy

AC - Central Elect: 1 Ceiling Fans: 1 Heat Cntrl Electric: 1

Mstr Bdrm/Mstr Bath

MBath Garden Tub: 1 MBath Tile: 1 MBed Balcony: 1 MBed Walk-in Closet: 1 MBed Waterfront: 1

Master Bedroom

First: 1

Bedroom

First: 1

Full Bathroom

First: 1

Rooms

Balcony: 1 Bedroom: 1 Dining Room: 1 Full Bathroom: 1 Master Bedroom: 1

Fees Include

Ground Keeping: 1 Insurance: 1 Internet Service: 1 Management: 1 Master Association: 1 Recreational Faclty: 1 Sewer: 1 Trash: 1 TV Cable: 1 Water: 1

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

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