For sale Condo

Listed Oct 27, 2026

$429,900 Est. $2,843/mo

12011 Front Beach Road Unit 1104

  • 2

    Beds

  • 2

    Baths

  • 1,076

    Sq ft

The story

  • Pool
  • Waterfront

Unit UNIT 1104 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 and 2 garage spaces, built in 2005. It is currently listed at $429,900, with a monthly HOA fee of $970. Highlights include a waterfront setting, water views and a pool.

This beautifully furnished and decorated two-bedroom, two-bath Gulf-front condo offers stunning views of the emerald waters and sugar-white sands of Panama City Beach. Enjoy the beauty of the Gulf from the spacious private balcony, where you can take in breathtaking sunsets, watch dolphins play, and experience the best of beachfront living. The Gulf-front living area features comfortable furnishings, abundant natural light, and direct access to the balcony, creating an inviting space to relax and entertain. The well-appointed kitchen offers granite countertops, stainless steel appliances, ample cabinet space, and a convenient breakfast bar overlooking the living and dining areas. The Gulf-front primary bedroom provides beautiful water views and direct balcony access, creating the perfect place to wake up to the sights and sounds of the beach. The primary bathroom features a spacious vanity and tub/shower combination. With attractive coastal décor, comfortable furnishings, and a desirable Gulf-front layout, this condo is ready to enjoy as a personal beach retreat or vacation rental investment. Don't miss the opportunity to own your own piece of paradise on the beautiful Gulf Coast! Underbuilding Parking is as convenient as it gets! Sterling Reef is the perfect beach vacation destination for your family. Conveniently located just west of M.B. Miller fishing pier (there is nothing in between Sterling Reef and the pier, and never will be), you enjoy 1700 feet of unspoiled and uncrowded beaches! You are close to everything with easy access to the middle and back beach roads to bypass traffic in heavy traffic. Sterling Reef amenities include a heated bi-level pool with connecting waterfall, fitness center overlooking the gulf, clubhouse with media room, video game room, movie rentals, sky BBQ terrace, and the convenience of covered parking in the same building. Take your fishing pole right out to the pier to catch your dinner!! Directly across the street is Shipwreck Island Water Park, and must for kids of all ages. The location is great, in the heart of Panama City. Out to the beach and there are beach umbrella and chair rentals for you to enjoy, banana boat rides, parasailing, and jet ski rentals.

Facts & features

Home type

Condo

Year built

2005

Price per sq ft

$400

HOA

$970 / monthly

Parking

2-car garage

Included features

  • Pool

    Yes

  • Cooling

    Central Air

  • Heating

    Central, Electric

  • Appliances

    Electric Range, Electric Water Heater

  • Flooring

    Plank, Vinyl

  • Lot Information

    Paved

  • Sewer

    Public Sewer

  • View

    Water

Mortgage calculator

Estimated monthly payment

$2,843 /mo

7% rate · 30-yr fixed · 20% down

  • Principal & interest $2,288
  • Property tax $430
  • Insurance $125

Includes principal, interest, taxes & insurance.

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Listing Broker

Keller Williams Realty Emerald

Broker Name

Keller Williams Realty Emerald

Agent

John B Skinner Jr.

Location

Santa Rosa Beach FL 32459