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16701 Front Beach Rd #1605, Panama City Beach, FL, 32407

1beds
2baths
914sqft
$419,000
$458price/sqft
$2,909/moest. monthly cost
$116,360/yrincome needed

About This Home

Seller offering $4,000 toward Buyer closing costs! Wake up to stunning gulf-front views and resort-style living in this beachfront condo featuring a gulf-front pool, fitness center, and easy beach access just steps away. Inside, you'll find a spacious primary suite, two full bathrooms, and bonus bunk space perfect for guests or rental potential. Located near Pier Park and exciting new attractions like Topgolf Panama City Beach, McGuire's Irish Pub, and Pirates Voyage Dinner & Show, this condo is the perfect vacation rental, weekend escape, or full-time beach retreat. Gulf-front living doesn't get much better--schedule your private showing today!

Getting Around

41
WalkingCar-Dependent
0
TransitVery Limited Transit
48
BikeSomewhat Bikeable

Schools

7/10
Surfside Middle SchoolGrades 6-82.1 mi
4/10
J.R. Arnold High SchoolGrades 9-124.3 mi

Construction

Condition

  • Year built: 2008

Type & Style

  • Home type: Condo
  • Architectural style: High Rise
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Electric Oven,Electric Range,Electric Water Heater,Warming Drawer

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 2
  • Full bathrooms: 2

Heating

  • Heating features: Electric

Interior Area

  • Total structure area: 914
  • Total interior livable area: 914 sqft

Living Room

  • Dimensions: 15 x 14

Master Bedroom

  • Dimensions: 12 x 11

Other

  • Features: Balcony
  • Dimensions: 16 x 6

Property

Details

  • Parcel number: 40001175094
  • Attached to another structure: Yes

Features

  • Pool features: In Ground,Community
  • Patio & porch: Balcony
  • On waterfront: Yes
  • Waterfront features: Gulf,Shoreline - Sand

Lot

  • Lot size dimensions: 0 x 0

Parking

  • Total spaces: 1
  • Parking features: Garage
  • 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
    HurricaneVery High
  • Lightning
    LightningVery High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
Cold Wave
Heat Wave
Strong Wind
Tsunami

FEMA Declared Disasters in Bay County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

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

MonthlyAnnual
Mortgage $2,118$25,416
Home Insurance *$151$1,812
Property Taxes $443$5,316
Electricity $197$2,366
Total$2,909$34,908
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$99,737/yr
40% on housing$87,270/yr
45% on housing$77,573/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

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.

Insurance Growth Rate5-year average: 13.3%
13.3%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 6.0%
6.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$458This listing

vs Other Active Listings

Avg $/sqft

ZIP 32407$273
Bay County$242

vs Homes Sold Last Month

Median $/sqft

ZIP 32407$231
Bay County$205

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

DateEventPrice
2026-05-09Listed for sale$419,000
2026-04-01Listing removed$423,999
2025-09-05Price change$423,999
2025-07-23Listed for sale$424,000
2025-07-03Listing removed$499,000
2024-12-26Listed for sale$499,000
2024-12-02Listing removed$458,000
2024-07-03Price change$458,000
2024-05-23Price change$461,000
2024-03-19Price change$462,500
2024-01-02Price change$465,500
2023-12-21Price change$467,500
2023-11-15Price change$471,500
2023-10-01Price change$481,500
2023-07-24Price change$484,000
2023-05-24Listed for sale$489,000
2022-04-05Sold$445,000
2022-03-06Pending sale$445,000
2022-02-25Listed for sale$445,000
2008-03-20Sold$430,000

For Sale by Agent

AgentCheramie L Reeder
BrokerageLPT Realty LLC

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