12011 Front Beach Road 103b, Panama City Beach

$450,000

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2 Beds
2 Baths
1,076 Sqft
0 Acre
0 Garage

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.

Essential Information

Status
Active
MLS® #
976787
Price
$450,000
Days On Website
242
Bedrooms
2
Bathrooms
2.00
Full Baths
2
Square Footage
1,076
Year Built
2005
Type
Residential
Sub-Type
Condominium
Style
N/A

Community Information

Address
12011 Front Beach Road 103b
Area
27 - Bay County
SubArea
2718 - Beach - Central South
Subdivision
STERLING REEF
City
Panama City Beach
County
Bay
State
FL
Zip Code
32407

Amenities

Parking
Garage
View
Gulf
Is Waterfront
Yes
Waterfront
Gulf

Amenities

BBQ Pit/Grill, Beach, Community Room, Elevators, Exercise Room, Pool, TV Cable, Waterfront, Pets Allowed, Short Term Rental - Allowed

Utilities

Electric, Phone, Public Sewer, Public Water, TV Cable

Interior

Heating
Central
Cooling
Central Air, Ceiling Fan(s)

Interior Features

Breakfast Bar, Kitchen Island, Recessed Lighting, Split Bedroom, Washer/Dryer Hookup, Woodwork Painted

Appliances

Dishwasher, Disposal, Dryer, Microwave, Refrigerator, Washer

Exterior

Exterior Features
Balcony
Windows
Window Treatments
Construction
Concrete

School Information

Elementary
Breakfast Point
Middle
Surfside
High
Arnold

Additional Information

Days on Website
242
HOA Fees
977
HOA Fees Freq.
Monthly

Listing Details

Office
Keller Williams Realty SRB
Property History
Price Reduced from $490,000 to $450,000
Price Reduced from $495,000 to $490,000

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All listings are provided courtesy of the Emerald Coast Association of Realtors, Copyright2026, All rights reserved.

Listing information last updated on January 17th, 2026 at 1:07am CST.