Seller's Agent in 2025
Whitney Stevens
Corcoran Reverie
(850) 348-7302
25 in this area
55 Total Sales
Sterling Reef Condominium 12011 Front Beach Rd Unit 204 Panama City Beach, FL 32407
2
Beds
2
Baths
1,076
Sq Ft
$527/mo
HOA Fee
Highlights
- Property fronts gulf or ocean
- Main Floor Primary Bedroom
- Community Pool
- J.R. Arnold High School Rated A-
- Furnished
- 3-minute walk to County Pier
About This Home
As of June 2025A beautifully renovated Gulf front condo is a rare find in this market so look no further! This 2 bedroom has it all. You'll fall in love instantly with the high end finishes, shaker style wood cabinets, Samsung appliances, new paint, and new luxury vinyl flooring. Enjoy Gulf views and a the sound of the surf from the master bedroom. Kids will favorite the custom built-in bunk beds and families will appreciate the split style floorplan that sleeps up to 8 guests. This unit also has a wide balcony offering plenty of space and lots of seating with the new polywood balcony furniture. Sterling Reef condo is located ideally on Panama City Beach with amazing beach frontage, Gulf side pool, and great dining options, fishing pier, Goofy Golf, shopping and more all nearby!
Property Details
Home Type
- Condominium
Est. Annual Taxes
- $3,313
Year Built
- Built in 2005 | Remodeled
HOA Fees
- $527 Monthly HOA Fees
Parking
- Attached Garage
Home Design
- Concrete Siding
- Stucco
Interior Spaces
- 1,076 Sq Ft Home
- Furnished
- Living Room
- Vinyl Flooring
Kitchen
- Walk-In Pantry
- Electric Oven or Range
- Microwave
- Dishwasher
- Kitchen Island
Bedrooms and Bathrooms
- 2 Bedrooms
- Primary Bedroom on Main
- 2 Full Bathrooms
- Cultured Marble Bathroom Countertops
Laundry
- Dryer
- Washer
Schools
- Hutchinson Beach Elementary School
- Surfside Middle School
- Arnold High School
Utilities
- Central Air
- Electric Water Heater
- Cable TV Available
Additional Features
- Balcony
- Property fronts gulf or ocean
Listing and Financial Details
- Assessor Parcel Number 34809-610-011
Community Details
Overview
- Association fees include accounting, ground keeping, internet service, management, water, cable TV, trash
- Sterling Reef Subdivision
- 18-Story Property
Amenities
- Community Barbecue Grill
- Elevator
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
-0.47%
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
0.71%
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 Moran
Keller Williams Realty Destin
Buyer's Agent
Eric Christen
ResortQuest Real Estate Okaloosa Island
List Price
$332,500
Sold Price
$332,500
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
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 | |
| 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 | -- | -- |
| 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 | 0.0% | $309 / Sq Ft |
| 08/24/2020 08/24/20 | Pending | -- | -- | -- |
| 08/20/2020 08/20/20 | For Sale | $332,500 | +27.9% | $309 / 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: Emerald Coast 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
-
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
69 Total Sales
-
Nathan Lawrence
Buyer's Agent in 2021
Nathan Lawrence
Keller Williams Success Realty
(850) 250-3701
121 in this area
721 Total Sales
-
John Moran
J
Seller's Agent in 2020
John Moran
Keller Williams Realty Destin
(850) 654-3325
116 in this area
661 Total Sales
-
Michael Jones
M
Seller's Agent in 2017
Michael Jones
Splashy Beach Real Estate LLC
(850) 865-8006
5 in this area
6 Total Sales
About Sterling Reef Condominium
Map
Source: Emerald Coast Association of REALTORS®
MLS Number: 872856
APN: 34809-610-011
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