$495,000

Sterling Reef Condominium 12011 Front Beach Rd Unit 103 Panama City Beach, FL 32407

Estimated payment $4,202/month

Total Views 511
2 Beds
2 Baths
1,076 Sq Ft
$460 Price per Sq Ft

Highlights

  • Beach
  • Property fronts gulf or ocean
  • Heated In Ground Pool
  • J.R. Arnold High School Rated A-
  • Deeded access to the beach
  • 3-minute walk to County Pier

About This Home

Step into paradise with this beautifully appointed 2BR/2BA Gulf-front condo that's turnkey & rental-ready! Located on the highly sought-after first living level, Unit 103B offers breathtaking, unobstructed views of the Gulf from an oversized private balcony...perfect for morning coffee, sunset cocktails, or just soaking in the sea breeze.Inside, you'll love the open layout featuring tile flooring throughout, a fully equipped kitchen with granite countertops & breakfast bar, and a stylish tiled island ideal for entertaining or casual dining. Both bedrooms are spacious and inviting, with plenty of natural light and coastal charm.Whether you're looking for a lucrative investment property, a personal beach escape, or a blend of both, this unit checks all the boxes. Sterling Reef offers fantastic amenities to include, heated pool with waterfall, well-equipped fitness center, a game room, direct beach access, and a location that's near everything from shopping to dining, and entertainment.Don't miss this opportunity to own a piece of the Emerald Coast!Schedule your private showing today, your beachfront dream awaits.

Listing Agent

Meghan Hall

Keller Williams Realty Emerald

Keller Williams Realty Emerald

Property Details

Home Type

  • Condominium

Est. Annual Taxes

  • $5,465

Year Built

  • Built in 2005

Lot Details

  • Property fronts gulf or ocean

HOA Fees

  • $977 Monthly HOA Fees

Parking

  • Attached Garage

Interior Spaces

  • 1,076 Sq Ft Home
  • Furnished
  • Ceiling Fan
  • Recessed Lighting
  • Dining Room
  • Stacked Washer and Dryer

Kitchen

  • Breakfast Bar
  • Electric Oven
  • Electric Cooktop
  • Microwave
  • Dishwasher
  • Kitchen Island
  • Disposal

Bedrooms and Bathrooms

  • 2 Bedrooms
  • Split Bedroom Floorplan
  • 2 Full Bathrooms

Home Security

Outdoor Features

  • Heated In Ground Pool
  • Deeded access to the beach
  • Balcony

Schools

  • Hutchison Beach Elementary School
  • Surfside Middle School
  • Arnold High School

Utilities

  • Central Heating and Cooling System
  • Electric Water Heater

Community Details

Overview

  • Association fees include clubhouse, cable TV, pool(s)
  • 126 Units
  • Virtuous Management Association
  • High-Rise Condominium
  • Sterling Reef Subdivision
  • 22-Story Property

Amenities

  • Community Barbecue Grill
  • Picnic Area
  • Clubhouse
  • Elevator

Recreation

  • Beach
  • Park

Security

  • Fire and Smoke Detector

Property Details

Home Type

Condominium

Est. Annual Taxes

$5,465

Year Built

Built in 2005

Lot Details

0

HOA Fees

$977 per month

Listing Details

  • Property Type: Residential
  • Year Built: 2005
  • Property Sub Type: Condominium
  • Lot Size: Condo
  • Road Frontage Type: City Street
  • Road Surface Type: Paved
  • Subdivision Name: Sterling Reef
  • Architectural Style: High Rise
  • Entry Level: 4
  • ResoPropertyType: Residential
  • Property Sub Type Additional: Condominium
  • Special Features: None

Interior Features

  • Appliances: Dryer, Washer/Dryer Stacked, Dishwasher, Electric Cooktop, Electric Oven, Electric Water Heater, Disposal, Microwave, Refrigerator, Washer
  • Interior Amenities: Breakfast Bar, Kitchen Island, Recessed Lighting, Split Bedrooms
  • Full Bathrooms: 2
  • Total Bedrooms: 2
  • Living Area: 1076.0
  • Dining Room Type: Bedroom, Dining Room, Full Bath, Primary Bedroom
  • Stories: 22
  • ResoLivingAreaSource: Appraiser

Exterior Features

  • Pool Features: Gas Heat, In Ground, Pool, Community
  • View: Gulf
  • View: Yes
  • Waterfront Features: Gulf, Waterfront
  • Waterfront: Yes
  • Construction Type: Concrete
  • Exterior Features: Balcony
  • Patio And Porch Features: Balcony

Garage/Parking

  • Parking Features: Attached, Garage
  • Garage: No
  • Attached Garage: Yes

Utilities

  • Utilities: Cable Connected
  • Security Features: Smoke Detector(s)
  • Cooling: Central Air, Ceiling Fan(s), Electric
  • Heating: Central, Electric
  • Laundry Features: Stacked
  • Cooling Y N: Yes
  • Heating Yn: Yes

Condo/Co-op/Association

  • Association Fee: 977.0
  • Community Features: Barbecue, Beach, Clubhouse, Elevator, Fitness Center, Park, Short Term Rental Allowed, Waterfront, Pool
  • Amenities: Beach Rights, Picnic Area
  • Association Fee Frequency: Monthly
  • Association Name: Virtuous Management
  • Association: Yes
  • ResoAssociationFeeFrequency: Monthly

Fee Information

  • Association Fee Includes: Clubhouse, Cable TV, Pool(s)

Schools

  • Middle Or Junior School: Surfside

Lot Info

  • Lot Features: Waterfront
  • Zoning Description: Resid Multi-Family

Rental Info

  • Furnished: Furnished

Multi Family

  • Number Of Units In Community: 126

Tax Info

  • Tax Annual Amount: 5465.0
  • Tax Year: 2024

MLS Schools

  • Elementary School: Hutchison Beach
  • High School: Arnold

Map

About Sterling Reef Condominium

Range of Values:

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Home Values in the Area

Source: Public Records

Average Home Value in this Area

Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2024 $5,220 $390,316 -- --
2023 $5,220 $461,975 $0 $461,975
2022 $4,161 $322,575 $0 $0
2021 $3,648 $293,250 $0 $293,250
2020 $3,308 $276,250 $0 $276,250
2019 $2,985 $249,050 $0 $249,050
2018 $2,752 $222,717 $0 $0
2017 $2,312 $202,470 $0 $0
2016 $2,369 $204,000 $0 $0
2015 $2,385 $198,220 $0 $0
2014 $2,158 $180,200 $0 $0
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
05/20/2025 05/20/25 For Sale $495,000 +133.5% $460 / Sq Ft
06/20/2022 06/20/22 Off Market $212,000 -- --
06/20/2022 06/20/22 Off Market $239,900 -- --
01/03/2014 01/03/14 Sold $239,900 0.0% $223 / Sq Ft
12/27/2013 12/27/13 Pending -- -- --
11/12/2013 11/12/13 For Sale $239,900 +13.2% $223 / Sq Ft
05/21/2013 05/21/13 Sold $212,000 -9.4% $197 / Sq Ft
05/10/2013 05/10/13 Pending -- -- --
04/24/2013 04/24/13 For Sale $234,000 -- $217 / Sq Ft
Source: Central Panhandle Association of REALTORS®

Purchase History

Date Type Sale Price Title Company
Warranty Deed $239,900 Mti Title Ins Agency Inc
Warranty Deed $212,000 Mti Title Ins Agency Inc
Trustee Deed $166,100 None Available
Interfamily Deed Transfer -- Attorney
Condominium Deed $635,000 Fatco
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Previous Owner $508,000 Purchase Money Mortgage
Source: Public Records

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Source: Central Panhandle Association of REALTORS®

MLS Number: 773756

Central Panhandle Association of REALTORS®

APN: 34809-610-003

Florida Bay County Panama City Beach 32407

12011 Front Beach Rd Unit 103, Panama City Beach, FL

Homes for Sale in Panama City Beach, FL

This home is located at 12011 Front Beach Rd Unit 103, Panama City Beach, FL 32407 and is currently priced at $495,000, approximately $460 per square foot. This property was built in 2005. 12011 Front Beach Rd Unit 103 is a home located in Bay County with nearby schools including J.R. Arnold High School, Hutchison Beach Elementary School, and Surfside Middle School.

Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.

Central Panhandle Association of REALTORS® IDX information is provided exclusively for consumers’ personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by the MLS.

Nearby Homes
Meghan Hall
Listing Agent
Meghan Hall
Section Image
Keller Williams Realty Emerald
(850) 466-0927