$285,000
SOLD AUG 7, 2025

8700 Front Beach 5109 Rd Unit 5109 Panama City Beach, FL 32407

Upper Grand Lagoon Neighborhood
2 Beds
2.5 Baths
1,325 Sq Ft
$567/mo HOA Fee

Recently Sold

$215 Per Sq Ft

17% Below List Price

275 Days on Market

Highlights

  • In Ground Pool
  • Gated Community
  • Covered Patio or Porch
  • J.R. Arnold High School Rated A-
  • Game Room
  • Double Oven

About This Home

As of August 2025

BEST LOCATION IN ISLAND RESERVE !!BEST AMENITIES IN PCB!!!!This beautifully crafted home offers a perfect blend of luxury and sophistication. Every detail, from the rich hardwood floors to the custom plantation shutters, exudes timeless elegance. The gourmet kitchen, adorned with premium Bosch appliances, and upgraded lighting makes this kitchen top notch.With two exquisite bedroom suites on separate sides of the home also features hardwood and tile flooring, soaring 10-foot ceilings, and custom built-in bookshelves, this residence is designed for both comfort and grandeur. Granite countertops and stainless steel appliances further elevate the kitchen's appeal, while a thoughtfully designed split floor plan ensures privacy.Step outside to a spacious patio, enveloped by lush landscaping, providing an intimate outdoor sanctuary. Located on the ground floor for convenience, this home is mere steps from a breathtaking lagoon pool. Set within a gated community, residents enjoy the peace of mind provided security. The community offers a wealth of exceptional amenities, including a magnificent one-acre lagoon-style pool, a game room, basketball and pickleball courts, and a fully-equipped fitness center. Covered parking, just steps from the front door, and meticulously maintained grounds complete this unparalleled living experience.

Last Agent to Sell the Property

Tracye Crass

Beach Haven Realty Listed on: 10/15/2024

Last Buyer's Agent

Sandi Smith

Realty ONE Group Emerald Coast

Realty ONE Group Emerald Coast

Property Details

Home Type

  • Condominium

Est. Annual Taxes

  • $2,043

Year Built

  • Built in 2008

HOA Fees

  • $567 Monthly HOA Fees

Home Design

  • Entry on the 1st floor

Interior Spaces

  • 1,325 Sq Ft Home
  • Ceiling Fan
  • Recessed Lighting
  • Double Pane Windows
  • Plantation Shutters
  • Living Room

Kitchen

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

Bedrooms and Bathrooms

  • 2 Bedrooms
  • Split Bedroom Floorplan

Home Security

Outdoor Features

  • In Ground Pool
  • Covered Patio or Porch

Schools

  • Breakfast Point Elementary And Middle School
  • Arnold High School

Utilities

  • Central Heating and Cooling System
  • Electric Water Heater

Community Details

Overview

  • Association fees include management, clubhouse, cable TV, insurance, legal/accounting, ground maintenance, pest control, pool(s), recreation facilities, sewer, trash
  • Low-Rise Condominium
  • Island Reserve Subdivision

Amenities

  • Game Room

Security

  • Gated Community
  • Storm Windows
  • Storm Doors

Property Details

Home Type

Condominium

Est. Annual Taxes

$2,043

Year Built

Built in 2008

Lot Details

0

HOA Fees

$567 per month

Listing Details

  • Property Type: Residential
  • Year Built: 2008
  • Property Sub Type: Condominium
  • Lot Size: 1325 sf
  • Subdivision Name: Island Reserve
  • Architectural Style: Low Rise
  • Entry Level: 1
  • Property Sub Type Additional: Condominium
  • Special Features: None

Interior Features

  • Appliances: Double Oven, Dishwasher, Electric Oven, Electric Water Heater, Disposal, Microwave
  • Interior Amenities: Breakfast Bar, Kitchen Island, Pantry, Recessed Lighting, Split Bedrooms, Shutters
  • Full Bathrooms: 2
  • Half Bathrooms: 1
  • Total Bedrooms: 2
  • Door Features: Storm Door(s)
  • Living Area: 1325.0
  • Dining Room Type: Bedroom, Living Room, Primary Bedroom
  • Window Features: Double Pane Windows, Plantation Shutters, Storm Window(s)

Exterior Features

  • Pool Features: Pool
  • Waterfront: No
  • Exterior Features: Patio
  • Patio And Porch Features: Covered, Patio

Garage/Parking

  • Garage: No

Utilities

  • Utilities: Cable Connected, Trash Collection
  • Cooling: Central Air, Ceiling Fan(s), Electric
  • Heating: Central, Electric
  • Cooling Y N: Yes
  • Heating Yn: Yes

Condo/Co-op/Association

  • Association Fee: 1700.0
  • Amenities: Game Room, Gated
  • Association Fee Frequency: Quarterly
  • Association: Yes

Fee Information

  • Association Fee Includes: Association Management, Clubhouse, Cable TV, Insurance, Legal/Accounting, Maintenance Grounds, Pest Control, Pool(s), Recreation Facilities, Sewer, Trash

Schools

  • Middle Or Junior School: Breakfast Point

Rental Info

  • Furnished: Unfurnished

Tax Info

  • Tax Annual Amount: 2043.0
  • Tax Year: 2023

MLS Schools

  • Elementary School: Breakfast Point
  • High School: Arnold

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Oct 15, 2024
Closed on
Aug 7, 2025
Sold by
Howard Christopher and Howard Shannon
Bought by
Minton Wava and Minton Shane
Seller's Agent
Tracye Crass
Beach Haven Realty
Buyer's Agent
Sandi Smith
Realty ONE Group Emerald Coast
List Price
$345,000
Sold Price
$285,000
Premium/Discount to List
-$60,000
-17.39%
Views
1493

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
57.41%

Purchase Details

Closed on
Aug 2, 2023
Sold by
Duke Ronnie K and Duke Theresa M
Bought by
Howard Christopher and Howard Shannon

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$304,000
Interest Rate
6.67%
Mortgage Type
New Conventional

Purchase Details

Closed on
Apr 7, 2020
Sold by
Hazlehurst Peter Frederick and Hazlehurst Rebecca Dawn
Bought by
Duke Ronnie K and Duke Theresa M

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$192,800
Interest Rate
3.4%
Mortgage Type
New Conventional

Purchase Details

Closed on
Oct 29, 2019
Sold by
Grec Island Reserve Llc
Bought by
Hazlehurst Peter Frederick and Hazlehurst Rebecca Dawn

Purchase Details

Closed on
Sep 29, 2017
Sold by
Gree Island Reserve Llc
Bought by
Hazlehurst Peter Frederick and Hazlehurst Rebecca Dawn

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$135,200
Interest Rate
3.82%
Mortgage Type
Credit Line Revolving

Purchase Details

Closed on
Apr 15, 2008
Sold by
Creekstone Allison Llc
Bought by
Grec Island Reserve Llc
Source: Public Records

Range of Values:

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Average Value
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List Price
Sold Price
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Home Values in the Area

Source: Public Records

Average Home Value in this Area

Source: Public Records

Purchase History

Date Type Sale Price Title Company
Warranty Deed $285,000 Alpha Title Co Agency
Warranty Deed $285,000 Alpha Title Co Agency
Warranty Deed $320,000 Clear Title
Warranty Deed $320,000 Clear Title
Warranty Deed $241,000 Mti Ttl Ins Urance Agcy Inc
Warranty Deed -- H & S Title & Escrow Inc
Warranty Deed $169,000 H & S Title And Escrow Inc
Special Warranty Deed $518,300 Northwest Fl Title Svcs Llc
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Previous Owner $304,000 New Conventional
Previous Owner $192,800 New Conventional
Previous Owner $135,200 Credit Line Revolving
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
08/07/2025 08/07/25 Sold $285,000 -8.1% $215 / Sq Ft
07/17/2025 07/17/25 Pending -- -- --
06/01/2025 06/01/25 Price Changed $310,000 -3.1% $234 / Sq Ft
04/02/2025 04/02/25 Price Changed $320,000 -3.0% $242 / Sq Ft
01/09/2025 01/09/25 Price Changed $330,000 -2.9% $249 / Sq Ft
10/23/2024 10/23/24 Price Changed $339,900 -1.5% $257 / Sq Ft
10/15/2024 10/15/24 For Sale $345,000 -- $260 / Sq Ft
Source: Central Panhandle Association of REALTORS®

Tax History Compared to Growth

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 $2,043 $267,750 -- $267,750
2023 $2,043 $199,245 $0 $0
2022 $1,837 $193,442 $0 $0
2021 $1,839 $187,808 $0 $187,808
2020 $1,603 $166,175 $0 $166,175
2019 $1,873 $148,750 $0 $148,750
2018 $1,753 $136,850 $0 $0
2017 $1,593 $123,250 $0 $0
2016 $1,551 $117,725 $0 $0
2015 $1,498 $110,500 $0 $0
2014 $1,464 $108,025 $0 $0
Source: Public Records

Agents Affiliated with this Home

  • Tracye Crass

    Seller's Agent in 2025

    Tracye Crass

    Beach Haven Realty

    (850) 752-0291

    14 in this area

    59 Total Sales

    Tracye Crass
    Section Image
  • Sandi Smith

    Buyer's Agent in 2025

    Sandi Smith

    Realty ONE Group Emerald Coast

    (229) 326-2998

    29 in this area

    125 Total Sales

    Sandi Smith
    Section Image
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Map

Source: Central Panhandle Association of REALTORS®

MLS Number: 763845

Central Panhandle Association of REALTORS®

APN: 40001-100-155

Florida Bay County Panama City Beach 32407 Upper Grand Lagoon

8700 Front Beach 5109 Rd Unit 5109, Panama City Beach, FL

This home is located at 8700 Front Beach 5109 Rd Unit 5109, Panama City Beach, FL 32407 and is currently priced at $285,000, approximately $215 per square foot. This property was built in 2008. 8700 Front Beach 5109 Rd Unit 5109 is a home located in Bay County with nearby schools including Breakfast Point Academy, J.R. Arnold High School, and St. Bernadette Catholic 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.

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