$449,900

Sterling Reef Condominium 12011 Front Beach Rd Unit 405 Panama City Beach, FL 32407

Estimated payment $3,864/month

Total Views 687
2 Beds
2 Baths
1,076 Sq Ft
$418 Price per Sq Ft

Highlights

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

About This Home

*OPEN HOUSE SATURDAY (8/30) NOON to 2pm* WOW! Sterling Reef is one of the most sought-after Gulf front communities on the beach! Low density means no waiting for an elevator and always a seat on the pool deck! This 2 bed/2 bath unit is being sold fully furnished and includes washer and dryer! New tile throughout! The main bedroom has its own private bath and glass slider providing over-sized patio access and an amazing view of the water from bed!
Sterling Reef amenities include a fitness center with water view and two Gulf front pools for you to enjoy! There is also a grill area with outdoor seating. Plenty of ground floor Garage parking!
Sterling Reef is located next to the County Pier, which makes it perfect for fishing, and across from Shipwreck Water Park! Walk to dining and entertainment! *All measurements/info to be confirmed by buyer/representative.

Listing Agent

Ryan Powell

Keller Williams Success Realty License #3256250 Listed on: 08/19/2025

Keller Williams Success Realty

Property Details

Home Type

  • Condominium

Est. Annual Taxes

  • $5,465

Year Built

  • Built in 2005

Lot Details

  • Property fronts gulf or ocean
  • Land Lease

HOA Fees

  • $977 Monthly HOA Fees

Parking

  • 2 Car Attached Garage

Home Design

  • Stucco

Interior Spaces

  • Ceiling Fan
  • Insulated Doors
  • Tile Flooring

Kitchen

  • Breakfast Bar
  • Microwave
  • Dishwasher
  • Kitchen Island
  • Disposal

Bedrooms and Bathrooms

  • 2 Bedrooms
  • Split Bedroom Floorplan
  • 2 Full Bathrooms

Laundry

  • Dryer
  • Washer

Home Security

Accessible Home Design

  • Accessible Bedroom
  • Central Living Area
  • Handicap Accessible
  • Accessible Doors

Pool

Schools

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

Additional Features

  • Deeded access to the beach
  • Central Heating and Cooling System

Community Details

Overview

  • Association fees include management, clubhouse, fitness facility, insurance, ground maintenance, maintenance structure, pest control, pool(s), sewer, security, trash, water
  • High-Rise Condominium
  • Sterling Reef Subdivision

Amenities

  • Community Barbecue Grill
  • Picnic Area
  • Clubhouse
  • Elevator

Recreation

  • Beach
  • Park

Security

  • Security Service
  • Fire and Smoke Detector
  • Fire Sprinkler System
  • Firewall

Property Details

Home Type

Condominium

Est. Annual Taxes

$5,465

Year Built

Built in 2005

Lot Details

0

HOA Fees

$977 per month

Parking

2

Listing Details

  • Property Type: Residential
  • Accessibility Features: Accessible Bedroom, Accessible Central Living Area, Accessible Doors
  • Year Built: 2005
  • Property Sub Type: Condominium
  • Road Frontage Type: City Street
  • Subdivision Name: Sterling Reef
  • Architectural Style: High Rise
  • New Construction: No
  • Property Sub Type Additional: Condominium
  • Special Features: None

Interior Features

  • Appliances: Dryer, Dishwasher, Disposal, Microwave, Refrigerator, Washer
  • Interior Amenities: Breakfast Bar, Handicap Access, Kitchen Island, Split Bedrooms
  • Full Bathrooms: 2
  • Total Bedrooms: 2
  • Door Features: Insulated Doors
  • Flooring: Tile
  • Dining Room Type: Bedroom, Primary Bedroom

Exterior Features

  • Pool Features: Fenced, In Ground, Community
  • View: Gulf
  • View: Yes
  • Waterfront Features: Gulf, Shoreline - Sand, Waterfront
  • Waterfront: Yes
  • Construction Type: Concrete, Stucco

Garage/Parking

  • Garage Spaces: 2.0
  • Parking Features: Attached, Garage
  • Garage: Yes
  • Attached Garage: Yes

Utilities

  • Utilities: Electricity Available
  • Security Features: Building Security, Firewall(s), Fire Sprinkler System, Smoke Detector(s), Security Service
  • Cooling: Central Air, Ceiling Fan(s)
  • Heating: Central, Electric
  • Cooling Y N: Yes
  • Heating Yn: Yes

Condo/Co-op/Association

  • Association Fee: 977.0
  • Community Features: Barbecue, Beach, Clubhouse, Elevator, Fitness Center, Park, Pool, Waterfront
  • Amenities: Beach Rights, Barbecue, Picnic Area
  • Association Fee Frequency: Monthly
  • Association: Yes

Fee Information

  • Association Fee Includes: Association Management, Clubhouse, Fitness Facility, Insurance, Maintenance Grounds, Maintenance Structure, Pest Control, Pool(s), Sewer, Security, Trash, Water

Schools

  • Middle Or Junior School: Surfside

Lot Info

  • Lot Features: Waterfront
  • Land Lease: Yes
  • Mobile Dim Units: Feet
  • Zoning Description: Resid Multi-Family

Rental Info

  • Lease Term: Weekly

Multi Family

  • Number Of Units Furnished: All Units

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 $354,833 $0 $461,975
2022 $4,161 $322,575 $0 $0
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

Property History

Date Event Price Change Sq Ft Price
08/19/2025 08/19/25 For Sale $449,900 -- $418 / Sq Ft
Source: Central Panhandle Association of REALTORS®

Purchase History

Date Type Sale Price Title Company
Warranty Deed $266,000 Mti Title Ins Agency Inc
Condominium Deed $560,000 Fatco
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $212,800 New Conventional
Previous Owner $392,000 Purchase Money Mortgage
Closed $56,000 No Value Available
Source: Public Records

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See All Homes in Panama City Beach

Source: Central Panhandle Association of REALTORS®

MLS Number: 777834

Central Panhandle Association of REALTORS®

APN: 34809-610-026

Florida Bay County Panama City Beach 32407

12011 Front Beach Rd Unit 405, Panama City Beach, FL

This home is located at 12011 Front Beach Rd Unit 405, Panama City Beach, FL 32407 and is currently priced at $449,900, approximately $418 per square foot. This property was built in 2005. 12011 Front Beach Rd Unit 405 is a home located in Bay County with nearby schools including J.R. Arnold High School, Surfside Middle School, and Hutchison Beach Elementary School.

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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.

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Ryan Powell
Listing Agent
Ryan Powell
Section Image
Keller Williams Success Realty
(448) 334-7109