19989 Front Beach Rd #B, Panama City Beach, FL, 32413
About This Home
CONTACT LISTING AGENT TO DISCUSS NEW SELLER INCENTIVES BEING OFFERED. Welcome to beachfront luxury! ''Wait and Sea'' is a superbly constructed 6-bedroom, 6.5-bathroom home features high-end finishes and custom touches throughout. The open-concept kitchen showcases elegant fixtures and ample seating, flowing seamlessly into a spacious living area with breathtaking ocean views. Each bathroom is a masterpiece, with unique custom tile work for a spa-like experience. Enjoy endless entertainment in the rec room, complete with a pool table. Perfectly positioned for relaxation, this stunning property provides a sophisticated coastal retreat right on the water's edge.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2024
Type & Style
- Home type: SingleFamily
- Architectural style: Coastal
- Property subType: Single Family Residence
Interior
Bedroom
- Level: Third
- Dimensions: 11 x 10
Bedrooms & Bathrooms
- Bedrooms: 6
- Bathrooms: 7
- Full bathrooms: 6
- 1/2 bathrooms: 1
Dining Room
- Level: Second
- Dimensions: 21 x 13
Interior Area
- Total structure area: 3,878
- Total interior livable area: 3,878 sqft
Kitchen
- Level: Second
- Dimensions: 21 x 17
Living Room
- Level: Second
- Dimensions: 21 x 12
Recreation
- Level: First
- Dimensions: 16 x 22
Recreation
- Level: Third
- Dimensions: 21 x 18
Property
Details
- Parcel number: 36668000020
Features
- Stories: 4
- Private pool: Yes
- Pool features: Private
- On waterfront: Yes
- Waterfront features: Gulf
Lot
- Lot size: 3,049 sqft
- Lot size dimensions: 30 x 105
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Hurricane
- Lightning
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Bay County and Florida
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $21,995 | $263,940 |
| Home Insurance * | $5,099 | $61,188 |
| Property Taxes | $2,138 | $25,656 |
| Electricity | $390 | $4,683 |
| Total | $29,622 | $355,464 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-06-20 | Price change | $4,350,000 |
| 2026-05-20 | Price change | $4,450,000 |
| 2025-09-10 | Price change | $4,950,000 |
| 2025-08-14 | Listed for sale | $4,990,000 |
| 2025-05-09 | Listing removed | $5,500,000 |
| 2024-11-08 | Listed for sale | $5,500,000 |
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