12011 Front Beach Rd Unit 1802b, Panama City Beach, FL, 32407
About This Home
Welcome to a sunny shore oasis at Sterling Reef 1802B. This 18th-floor Gulf front condo offers breathtaking views of turquoise waters and sugar-white sand. Brand new luxury vinyl plank flooring was installed in September 2025, complementing a bright coastal design and open layout that draws your eye to the horizon. The Gulf front primary suite opens to the balcony, which also connects to the living room, creating seamless indoor-outdoor living. With two bedrooms, and two baths, this fully furnished condo is turnkey and professionally styled. Marketed on Airbnb as Sunny Shore Oasis, it boasts outstanding reviews and secured bookings that convey to the new owner. Sterling Reef features resort-style amenities including two pools, a fitness center, outdoor grilling and picnic areas, and private beach access. Recent building updates include modernized elevators and exterior finishes. Located next to the County Pier, across from Shipwreck Island, and just minutes to Pier Park.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2005
Type & Style
- Home type: Condo
- Architectural style: High Rise
- Property subType: Condominium
Interior
Bedroom
- Level: First
- Dimensions: 10 x 10
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Features
- Main Level Primary
Interior Area
- Total structure area: 1,076
- Total interior livable area: 1,076 sqft
Living Room
- Level: First
- Dimensions: 14 x 10
Master Bedroom
- Level: First
- Dimensions: 17 x 11
Property
Details
- Parcel number: 34809610114
- Attached to another structure: Yes
- Special condition: Listed As-Is
Features
- Pool features: Community
- On waterfront: Yes
- Waterfront features: Gulf
Lot
- Lot size dimensions: 0
Parking
- Total spaces: 2
- Parking features: Garage
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
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 | $2,123 | $25,476 |
| Home Insurance * | $151 | $1,812 |
| Property Taxes | $397 | $4,764 |
| Electricity | $197 | $2,366 |
| Total | $2,868 | $34,416 |
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 |
|---|---|---|
| 2026-06-12 | Price change | $420,000 |
| 2026-02-06 | Price change | $460,000 |
| 2026-01-29 | Price change | $494,000 |
| 2025-12-02 | Price change | $499,400 |
| 2025-10-01 | Listed for sale | $510,000 |
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