12011 Front Beach Rd Unit 1004, Panama City Beach, FL, 32413
About This Home
GULF FRONT master bedroom, gorgeous views from the living room, dining area and kitchen. Sterling Reef has an ideal location in Panama City Beach, only steps to Shipwreck Island Water Park and within walking distance of the fishing pier! Come see this super cute condo; located on the perfect floor height to take advantage of the gulf views of the Emerald Coast's sandy white beaches and emerald green waters. Sterling Reef features many amenities including a bi-level pool (heated in the winter), fitness center overlooking the pool and beach area, grilling area on the terrace, Owner's Room with flatscreen TV, and convenient covered parking right under your building. Call today to make this your new vacation home or rental investment at the beach!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Construction Complete
- Year built: 2005
Type & Style
- Home type: Condo
- Property subType: Condominium
Interior
Appliances
- Appliances included: Dishwasher,Dryer,Microwave,Refrigerator,Washer,Electric Water Heater
- Laundry features: Washer/Dryer Hookup
Bedroom
- Level: First
- Area: 110.25
- Dimensions: 10.5 x 10.5
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Family Room
- Level: First
- Area: 224
- Dimensions: 16 x 14
Features
- Breakfast Bar
- Flooring: Tile
Heating & Cooling
- Heating features: Central
- Cooling features: Central Air,Ceiling Fan(s)
Interior Area
- Total structure area: 1,076
- Total interior livable area: 1,076 sqft
Kitchen
- Level: First
- Area: 105
- Dimensions: 15 x 7
Master Bedroom
- Level: First
- Area: 187
- Dimensions: 17 x 11
Property
Details
- Parcel number: 34809610067
Features
- Pool features: Heated,In Ground
- Exterior features: Outdoor Grill,Outdoor Shower
- Has view: Yes
- View description: Gulf
- Has water view: Yes
- Water view: Gulf
- On waterfront: Yes
- Waterfront features: Gulf
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
- Tornado
- Cold Wave
- Heat Wave
- Strong Wind
- 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 | $2,250 | $27,000 |
| Home Insurance * | $521 | $6,252 |
| Property Taxes | $218 | $2,616 |
| Electricity | $197 | $2,366 |
| Total | $3,186 | $38,232 |
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)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-05 | Price change | $429,900 |
| 2026-05-15 | Listed for sale | $445,000 |
| 2025-11-30 | Listing removed | $499,900 |
| 2025-09-17 | Listed for sale | $499,900 |
| 2025-09-01 | Listing removed | $499,900 |
| 2025-03-31 | Price change | $499,900 |
| 2025-01-10 | Listed for sale | $510,000 |
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