8700 Front Bch #5312, Panama City Beach, FL, 32407
About This Home
Do not miss: One of the Best deal at Island Reserve Condo ,centrally located at the heart of Panama City Beach . Elite gated community for Permanent residents , second home owners and long term rentals investors. For outside fun and relaxation, Island Reserve grounds boast an incredible pool, hot tub, courtyard.... Clubhouse with basketball, pickle ball, fitness center, game room, and movie room. This complex does not permit short-term rentals, ensuring a peaceful, community-focused environment. Proximity to Beautiful Beaches, shopping and dining with easy access to Front Beach Rd and Panama City Beach Pkwy. Unit #5312 is 1588 square feet -2 story 1 bedroom with 1,5 bath has incredible location, with both balconies are facing quite North side for more privacy , and has tons of upgrades : recently painted and decorated with all new furniture ,that unit boasts with spacious living room, extra large enclosed storage space and huge master bedroom with walk in closet. New washer and dryer has been recently installed. The 3rd floor unit is close to elevator and you may park on the 3 rd level as well next to walk thru. Price is right. Offered fully furnished and move-in ready, this condo is ready for new owners to call it Sweet Home.
Getting Around
Car-Dependent
Very Limited Transit
BikeableSchools
Construction
Condition
- Year built: 2008
Materials
- Construction materials: Block,Concrete
Type & Style
- Home type: SingleFamily
- Architectural style: Other
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Washer/Dryer Stacked,Electric Cooktop
- Laundry features: Stacked
Bedrooms & Bathrooms
- Bedrooms: 1
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
Features
- Instant Hot Water,Home Theater
Heating & Cooling
- Heating features: Central
- Cooling features: Central Air,Ceiling Fan(s)
Interior Area
- Total structure area: 1,588
- Total interior livable area: 1,588 sqft
Kitchen
- Level: First
- Dimensions: 12 x 12
Living Room
- Level: First
- Dimensions: 20 x 19
Master Bedroom
- Level: Second
- Dimensions: 19 x 15
Other
- Level: Second
- Dimensions: 15 x 4
Other
- Features: Balcony
- Level: First
- Dimensions: 14 x 6
Other
- Features: Balcony
- Level: Second
- Dimensions: 14 x 6
Property
Accessibility
- Accessibility features: Adaptable For Elevator,Accessible Common Area,Visitor Bathroom,Accessible Hallway(s)
Details
- Parcel number: 40001100186
- Attached to another structure: Yes
- Zoning description: City
- Special condition: Listed As-Is
Features
- Levels: Three Or More
- Stories: 3
- Pool features: Community
- Patio & porch: Balcony
Lot
- Lot size dimensions: 0 x 0
Parking
- Parking features: Additional Parking,Gated
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
- Coastal Flooding
- 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 | $1,132 | $13,584 |
| Home Insurance * | $80 | $960 |
| Property Taxes | $110 | $1,320 |
| Electricity | $197 | $2,366 |
| Total | $1,519 | $18,228 |
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 |
|---|---|---|
| 2026-01-08 | Price change | $224,000 |
| 2025-11-26 | Price change | $225,000 |
| 2025-10-22 | Listed for sale | $228,000 |
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