Sterling Reef Condominium 12011 Front Beach Rd Unit 204 Panama City Beach, FL 32407
2
Beds
2
Baths
1,076
Sq Ft
$977/mo
HOA Fee
Highlights
- Property fronts gulf or ocean
- Deeded access to the beach
- Furnished
- J.R. Arnold High School Rated A-
- In Ground Pool
- 3-minute walk to County Pier
About This Home
As of June 2025Welcome to your new coastal retreat at Sterling Reef. This beautifully remodeled 2-bedroom, 2-bathroom condominium is located on the 2nd floor of the esteemed Sterling Reef resort, offering an unparalleled living experience with modern comforts and stunning views.As you enter the unit, you are greeted by a spacious and open living area that seamlessly blends with the dining space and kitchen, creating an inviting atmosphere perfect for both relaxation and entertaining. The kitchen is equipped with contemporary appliances, ample cabinetry, and a convenient breakfast bar, catering to all your culinary needs.The master bedroom is a serene sanctuary featuring an en-suite bathroom and generous closet space. The second bedroom is equally inviting, providing comfort and privacy for guests or family members. Both bathrooms are elegantly designed with high-quality fixtures and finishes.One of the standout features of this property is its prime location within Sterling Reef. Situated on the 2nd floor, the unit offers breathtaking views of the county pier and the shimmering waters of the Gulf of Mexico. Enjoy your morning coffee or evening sunsets from the private balcony, a perfect spot to unwind and take in the natural beauty of the surroundings.Owners and Guest of Sterling Reef benefit from a range of amenities, including covered parking, ensuring convenience and security for your vehicle. The resort is ideally positioned within walking distance to a variety of restaurants and shopping destinations, making it easy to explore the vibrant local scene.Sold fully Furnished Turn key ready for Summer Tourist Season! Currently on a vacation rental program with proven numbers.For more information or to schedule a viewing, please contact us today. Experience the perfect blend of luxury, convenience, and coastal charm at Sterling Reef.
Property Details
Home Type
- Condominium
Est. Annual Taxes
- $5,828
Year Built
- Built in 2005
Lot Details
- Property fronts gulf or ocean
HOA Fees
- $977 Monthly HOA Fees
Parking
- 2 Car Garage
Interior Spaces
- 1,076 Sq Ft Home
- Furnished
- Living Room
Kitchen
- Electric Range
- Microwave
- Dishwasher
- Disposal
Bedrooms and Bathrooms
- 2 Bedrooms
- 2 Full Bathrooms
Outdoor Features
- In Ground Pool
- Deeded access to the beach
Schools
- Hutchison Beach Elementary School
- Surfside Middle School
- Arnold High School
Utilities
- Central Air
- Electric Water Heater
Community Details
Overview
- High-Rise Condominium
- Sterling Reef Subdivision
Recreation
Ownership History
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Mar 3, 2025
Closed on
Jun 24, 2025
Sold by
Gary Alan Ruble and Gary Wendy Jean
Bought by
Mccormick Jon
Seller's Agent
Whitney Stevens
Corcoran Reverie
Buyer's Agent
Alissa Childree
EXP Realty LLC
List Price
$522,500
Sold Price
$500,000
Premium/Discount to List
-$22,500
-4.31%
Views
15
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
7.04%
Purchase Details
Closed on
Jun 21, 2024
Sold by
Patil Vinit Datta
Bought by
Vinit D Patil Md Revocable Living Trust and Patil
Purchase Details
Listed on
May 27, 2021
Closed on
Jul 19, 2021
Sold by
Nick Christopher and Nick Kristina
Bought by
Ruble Gary Alan and Rub Wendy
Seller's Agent
Eric Christen
REV Realty
Buyer's Agent
Nathan Lawrence
Keller Williams Success Realty
List Price
$485,000
Sold Price
$485,000
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
1.04%
Purchase Details
Listed on
Aug 20, 2020
Closed on
Oct 9, 2020
Sold by
Love Steven E and Love Gail J
Bought by
Nick Christopher and Nick Kristina
Seller's Agent
John Skinner Jr.
Keller Williams Realty Emerald
Buyer's Agent
Non Member
NON-MEMBER OFFICE
List Price
$340,000
Sold Price
$332,500
Premium/Discount to List
-$7,500
-2.21%
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
62.25%
Original Mortgage
$232,750
Interest Rate
2.9%
Mortgage Type
New Conventional
Purchase Details
Listed on
Sep 13, 2016
Closed on
Apr 5, 2017
Sold by
Patil Vinit D
Bought by
Love Steven E and Love Gail J
Seller's Agent
Michael Jones
Splashy Beach Real Estate LLC
Buyer's Agent
Scott Ingraham
RE/MAX Real Estate Center
List Price
$265,000
Sold Price
$260,000
Premium/Discount to List
-$5,000
-1.89%
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
7.26%
Original Mortgage
$200,000
Interest Rate
4.16%
Mortgage Type
Commercial
Purchase Details
Closed on
Aug 20, 2010
Sold by
Hilton Howard Schaffer and Hilton Pamela C
Bought by
Patil Vinit D
Purchase Details
Closed on
Mar 14, 2005
Sold by
Sterling Reef Development Group Llc
Bought by
Hilton Howard Schaffer and Hilton Pamela C
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$269,000
Interest Rate
5.54%
Mortgage Type
Purchase Money Mortgage
Similar Homes in the area
Create a Home Valuation Report for This Property
The Home Valuation Report is an in-depth analysis detailing your home's value as well as a comparison with similar homes in the area
Home Values in the Area
Average Home Value in this Area
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Warranty Deed | $500,000 | Setco Services | |
| Warranty Deed | $500,000 | Setco Services | |
| Quit Claim Deed | -- | None Listed On Document | |
| Warranty Deed | $485,000 | Emerald Coast Title Svcs Llc | |
| Warranty Deed | $332,500 | None Available | |
| Warranty Deed | $260,000 | Cornerstone Title Agency Inc | |
| Warranty Deed | $190,000 | None Available | |
| Condominium Deed | $269,900 | Fatco |
Source: Public Records
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Previous Owner | $232,750 | New Conventional | |
| Previous Owner | $200,000 | Commercial | |
| Previous Owner | $178,875 | Stand Alone Refi Refinance Of Original Loan | |
| Previous Owner | $269,000 | Purchase Money Mortgage |
Source: Public Records
Property History
| Date | Event | Price | Change | Sq Ft Price |
|---|---|---|---|---|
| 06/24/2025 06/24/25 | Sold | $500,000 | -4.2% | $465 / Sq Ft |
| 06/16/2025 06/16/25 | Pending | -- | -- | -- |
| 06/08/2025 06/08/25 | Price Changed | $522,000 | -0.1% | $485 / Sq Ft |
| 03/03/2025 03/03/25 | For Sale | $522,500 | +7.7% | $486 / Sq Ft |
| 01/25/2023 01/25/23 | Off Market | $485,000 | -- | -- |
| 06/20/2022 06/20/22 | Off Market | $260,000 | -- | -- |
| 06/20/2022 06/20/22 | Off Market | $332,500 | -- | -- |
| 07/20/2021 07/20/21 | Sold | $485,000 | 0.0% | $451 / Sq Ft |
| 06/01/2021 06/01/21 | Pending | -- | -- | -- |
| 05/27/2021 05/27/21 | For Sale | $485,000 | +45.9% | $451 / Sq Ft |
| 10/09/2020 10/09/20 | Sold | $332,500 | -2.2% | $309 / Sq Ft |
| 08/24/2020 08/24/20 | Pending | -- | -- | -- |
| 08/20/2020 08/20/20 | For Sale | $340,000 | +30.8% | $316 / Sq Ft |
| 04/06/2017 04/06/17 | Sold | $260,000 | -1.9% | $242 / Sq Ft |
| 02/21/2017 02/21/17 | Pending | -- | -- | -- |
| 09/13/2016 09/13/16 | For Sale | $265,000 | -- | $246 / Sq Ft |
Source: Central Panhandle Association of REALTORS®
Tax History Compared to Growth
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 | $5,553 | $455,112 | -- | -- |
| 2023 | $5,553 | $413,738 | $0 | $461,975 |
| 2022 | $4,412 | $376,125 | $0 | $376,125 |
| 2021 | $3,648 | $293,250 | $0 | $293,250 |
| 2020 | $3,313 | $276,250 | $0 | $276,250 |
| 2019 | $2,989 | $249,050 | $0 | $249,050 |
| 2018 | $2,756 | $223,550 | $0 | $0 |
| 2017 | $2,312 | $202,470 | $0 | $0 |
| 2016 | $2,357 | $201,607 | $0 | $0 |
| 2015 | $2,311 | $183,279 | $0 | $0 |
| 2014 | $2,091 | $166,617 | $0 | $0 |
Source: Public Records
Agents Affiliated with this Home
-
Whitney Stevens
Seller's Agent in 2025
Whitney Stevens
Corcoran Reverie
(850) 348-7302
13 in this area
33 Total Sales
-
Alissa Childree
Buyer's Agent in 2025
Alissa Childree
EXP Realty LLC
(251) 975-8192
4 in this area
9 Total Sales
-
Eric Christen
Seller's Agent in 2021
Eric Christen
REV Realty
(850) 582-3742
2 in this area
68 Total Sales
-
Nathan Lawrence
Buyer's Agent in 2021
Nathan Lawrence
Keller Williams Success Realty
(850) 250-3701
84 in this area
521 Total Sales
-
John Skinner Jr.
Seller's Agent in 2020
John Skinner Jr.
Keller Williams Realty Emerald
(850) 543-5763
73 in this area
85 Total Sales
-
N
Buyer's Agent in 2020
Non Member
NON-MEMBER OFFICE
About Sterling Reef Condominium
Map
Source: Central Panhandle Association of REALTORS®
MLS Number: 769664
APN: 34809-610-011
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.
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.
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