




10611 Front Beach Rd Unit 901, Panama City Beach, FL, 32407
About This Home
Finding a true four-bedroom, four-bathroom condo on the Gulf is a rarity in Panama City Beach, Florida. This exceptional Ocean Ritz unit is designed for versatility, offering the perfect layout for a high-performing investment, a dedicated family retreat, or a spacious primary home. The interior decoration is expertly curated, resulting in a ''right out of a magazine'' aesthetic. While this property has been enjoyed primarily as a private residence and only lightly rented, the data is clear that similar four-bedroom units in this building have a proven track record of generating over $100,000 in annual rental income. The property has been thoughtfully updated to ensure a turn-key experience with zero deferred maintenance. Recent improvements include new flooring throughout all bedrooms and main living areas in December 2025, complete renovation of all bathroom showers and tubs in 2023 with a lifetime warranty from Re-Bath, a water heater replacement and a full interior repaint in 2020. In 2024, the HVAC system was replaced and upgraded, including an ultraviolet light air purification system to ensure superior air quality. The overall modern feel of this unit includes smart-home features like a Ring doorbell and Ecobee thermostat sensors. This smart thermostat provides a care free indoor-outdoor living experience by adjusting the air conditioning when a balcony door is open. What truly sets Ocean Ritz apart is its low-density design and lifestyle. With only 63 total units in the community you and your guests will enjoy a more relaxed, luxurious experience without the crowds and busy elevators that are typical of most condominiums. The stunning beach views from the outdoor living space are unparalleled, featuring a massive corner balcony providing near panoramic views. The balcony is just shy of 500 square feet—one of the largest in the area— and spans the full width of the living room and two gulf front bedroom suites, with direct access from each of those three rooms. Owners and guests enjoy a boutique experience with many amenities, including a fitness center, grill area, sauna, steam room, and a relaxing hot tub. The unique indoor/outdoor pool is heated seasonally and provides the perfect year-round environment for both sun-seekers and those who prefer the shade. With a private beach walkover, a reserved parking space, and a separate overflow parking area, this rare gem offers a level of comfort and exclusivity that is increasingly difficult to find, while still convenient to all of the fun that Panama City Beach has to offer. Virtual tour available upon request.
Getting Around
Schools
Construction
Condition
- Year built: 2006
Materials
- Construction materials: Concrete,Stucco
Type & Style
- Home type: Condo
- Architectural style: High Rise
- Property subType: Condominium
Interior
Appliances
- Appliances included: Washer/Dryer Stacked,Electric Oven,Electric Range
- Laundry features: Stacked
Bedroom
- Dimensions: 13 x 14
Bedroom
- Dimensions: 13 x 12
Bedroom
- Dimensions: 12 x 13
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 4
- Full bathrooms: 4
Features
- Flooring: Luxury Vinyl Plank
Heating & Cooling
- Heating features: Central,Electric
- Cooling features: Central Air,Ceiling Fan(s)
Interior Area
- Total structure area: 1,637
- Total interior livable area: 1,637 sqft
Master Bedroom
- Dimensions: 13 x 14
Property
Details
- Parcel number: 40000250019
- Attached to another structure: Yes
- Zoning description: Resid Single Family, Resort
- Other equipment: Air Purifier
Features
- Pool features: Electric Heat,Indoor,In Ground,Community
- Patio & porch: Balcony
- Spa features: Community
- Has view: Yes
- View description: Gulf
- Has water view: Yes
- Water view: Gulf
- On waterfront: Yes
- Waterfront features: Gulf,Shoreline - Sand
Lot
- Features: Sprinkler System
- Lot size dimensions: 0 x 0
Parking
- Total spaces: 1
- Parking features: Additional Parking
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 1
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
- Coastal Flooding
- Lightning
- Tornado
- 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 | $4,545 | $54,540 |
| Home Insurance * | $324 | $3,888 |
| Property Taxes | $1,144 | $13,728 |
| Electricity | $197 | $2,366 |
| Total | $6,210 | $74,520 |
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 |
|---|---|---|
| 2026-04-09 | Price change | $899,000 |
| 2026-02-01 | Price change | $910,000 |
| 2026-01-03 | Listed for sale | $925,000 |
| 2020-11-13 | Sold | $540,000 |
| 2020-09-04 | Listed for sale | $550,000 |
| 2020-05-29 | Listing removed | $545,000 |
| 2019-07-20 | Price change | $545,000 |
| 2019-07-17 | Listed for sale | $555,000 |
| 2018-01-18 | Sold | $435,000 |
