For sale Condo

Listed Feb 10, 2026

$419,000 Est. $2,771/mo

12011 Front Beach Road Unit 1004b

  • 2

    Beds

  • 2

    Baths

  • 1,076

    Sq ft

The story

  • Pool
  • Waterfront

Unit UNIT 1004B at 12011 Front Beach Road is a 2-bedroom, 2-bathroom condo in Panama City Beach, FL with 1,076 sq ft of living space, built in 2005. It is currently listed at $419,000, with a monthly HOA fee of $977. Highlights include a waterfront setting, water views and a pool.

Enjoy stunning Gulf-front living with a true Gulf-front primary bedroom and gorgeous views from the living room, dining area, and kitchen. This charming condo is perfectly positioned on an ideal floor height to fully capture sweeping views of the Emerald Coast's sugar-white sands and emerald-green waters. Sterling Reef offers a prime Panama City Beach location just steps from Shipwreck Island Water Park and within walking distance to the fishing pier. The resort features outstanding amenities including a bi-level Gulf-front pool (heated seasonally), a fitness center overlooking the pool and beach, a terrace grilling area, an Owner's Lounge with flat-screen TV, and convenient covered parking located directly beneath the building. Whether you're searching for a personal beach getaway or a strong rental investment, this super cute condo is a must-see. Call today to make it yours!

Facts & features

Home type

Condo

Year built

2005

Price per sq ft

$389

HOA

$977 / monthly

Included features

  • Pool

    Yes

  • Cooling

    Central Air, Ceiling Fans

  • Heating

    Central, Electric

  • Appliances

    Washer Dryer Stacked, Electric Oven

  • Lot Information

    Paved

  • Sewer

    Public Sewer

  • View

    Water

Mortgage calculator

Estimated monthly payment

$2,771 /mo

7% rate · 30-yr fixed · 20% down

  • Principal & interest $2,230
  • Property tax $419
  • Insurance $122

Includes principal, interest, taxes & insurance.

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Listing Broker

Keller Williams Success Realty

Broker Name

Keller Williams Success Realty

Agent

Michele Morros

Location

Panama City Beach FL 32407