20816 Front Beach Road, Panama City Beach, FL 32413
$2,550,000
Property Type:
Residential
Bedrooms:
6
Baths:
4
Square Footage:
2,808
Lot Size (sq. ft.):
14,810
Status:
Active
Current Price:
$2,550,000
List Date:
11/24/2025
Last Modified:
3/09/2026
Description
SELLER OFFERING $20,000 CREDIT TOWARDS INTEREST RATE BUY DOWN OR A GOLF CART! Welcome to your ultimate beach retreat on the highly sought-after west end of Panama City Beach! This fully remodeled 6-bedroom, 4-bath coastal stunner delivers the perfect blend of luxury, entertainment, and Gulf-side living. Enjoy beautiful views of the Gulf along with private beach access, giving you the beachfront lifestyle everyone dreams of.
Step into a home that feels welcoming with high-end finishes, designer touches, upgraded LED lighting, and a thoughtful layout that makes every space shine. The home comes fully furnished, offering
Supplements: a true turnkey opportunity whether you plan to use it as a primary residence, second home, or high-performing investment property. Outside, the fun really begins. The expansive outdoor area is built for entertaining with multiple seating zones, a heated private pool, and vibrant LED lighting that transforms the space into a coastal oasis at night. The property also features a mini-golf area, perfect for guests, kids, and everyone looking to enjoy a little friendly competition. From the incredible outdoor amenities to the luxurious interior updates, this home offers an unmatched experience on Front Beach Road. If you're searching for a Gulf-view property that truly has it all, this is the one. Information contained within this listing such as lot dimensions, is deemed to be accurate but is not guaranteed. Buyer to verify.
More Information MLS# 990262
Contract Info
Listing Board: Emerald Coast
List Price/SqFt: 908.12
List Date: 2025-11-24
Current Price: $2,550,000
List Price: $2,550,000
Location, Tax and Legal
Sub Area: 2724 - Beach - West Central
Elementary School: West Bay
Middle School: Surfside
High School: Arnold
Legal Description: SANTA MONICA BEACH LOT 1 BLK 3 ORB 4705 P 1157
General Property Info
Sub-Type: Detached Single Family
Design: Beach House
SqFt Source: Agent-Measured
Garage: Yes
Carport: No
Pool: Yes
Pool Type: Private
Apx SqFt(Htd/Cooled): 2808
Bedrooms: 6
Full Baths: 4
Total Bathrooms: 4
# Stories: 2
Year Built: 2002
Garage Spaces: 2
Acreage: 0.34
Listing Info, Tax & Legal
Is Subject Leased: No
Assessment Fees: Yes
Assessment Amount: 240
Annual Assessment Amount: 240
Assessment Paid: Annually
New Buyer Fee: No
Last Taxes: 21118.51
Last Tax Year: 2024
Brokerage Interest: No Interest
As Is: No
Remarks & Misc
Remarks: SELLER OFFERING $20,000 CREDIT TOWARDS INTEREST RATE BUY DOWN OR A GOLF CART! Welcome to your ultimate beach retreat on the highly sought-after west end of Panama City Beach! This fully remodeled 6-bedroom, 4-bath coastal stunner delivers the perfect blend of luxury, entertainment, and Gulf-side living. Enjoy beautiful views of the Gulf along with private beach access, giving you the beachfront lifestyle everyone dreams of.
Step into a home that feels welcoming with high-end finishes, designer touches, upgraded LED lighting, and a thoughtful layout that makes every space shine. The home comes fully furnished, offering
Construction Status
Construction Complete: 1
Parking Features
Garage Attached: 1
Waterview
Gulf: 1
Lot/Parcel Access
Paved Road: 1
Lot Features
Corner: 1
Within 1/2 Mile to Water: 1
Project Facilities
BBQ Pit/Grill: 1
Deed Access: 1
Picnic Area: 1
Pool: 1
Separate Storage: 1
Short Term Rental - Allowed: 1
TV Cable: 1
Waterfront: 1
Construction/Siding
Block: 1
Frame: 1
Roof Metal: 1
Roof Pitched: 1
Siding Vinyl: 1
Siding Wood: 1
Slab: 1
Stucco: 1
Utilities
Electric: 1
Gas - Natural: 1
Phone: 1
Private Well: 1
Septic Tank: 1
Sewer Available: 1
TV Cable: 1
Zoning
County: 1
Exterior
Balcony: 1
Fenced Lot-All: 1
Hurricane Shutters: 1
Patio Open: 1
Pool - Heated: 1
Pool - In-Ground: 1
Renovated: 1
Shower: 1
Sprinkler System: 1
Interior
Built-In Bookcases: 1
Fireplace: 1
Floor Hardwood: 1
Floor Tile: 1
Floor WW Carpet: 1
Renovated: 1
Shelving: 1
Wallpaper: 1
Washer/Dryer Hookup: 1
Window Bay: 1
Window Treatment All: 1
Financing
Conventional: 1
Other: 1
Appliances
Auto Garage Door Opn: 1
Dishwasher: 1
Disposal: 1
Dryer: 1
Microwave: 1
Oven Self Cleaning: 1
Refrigerator W/IceMk: 1
Smoke Detector: 1
Stove/Oven Gas: 1
Washer: 1
Energy
AC - 2 or More: 1
AC - Central Elect: 1
Ceiling Fans: 1
Heat - Two or More: 1
Heat Cntrl Gas: 1
Water Heater - Elect: 1
Mstr Bdrm/Mstr Bath
MBath Double Vanity: 1
MBath Separate Shwr: 1
MBath Tile: 1
MBath Whirlpool: 1
MBed Balcony: 1
MBed Carpeted: 1
MBed Cthdrl Ceiling: 1
MBed Sitting Area: 1
MBed Walk-in Closet: 1
Master Bedroom
Second: 1
Bedroom
First: 1
Second: 1
Kitchen
First: 1
Full Bathroom
First: 1
Second: 1
Rooms
Balcony: 1
Bedroom: 1
Covered Porch: 1
Dining Room: 1
Full Bathroom: 1
Garage: 1
Kitchen: 1
Master Bathroom: 1
Master Bedroom: 1
Status Change Info
Status: Active
Location Tax and Legal
Area: 27 - Bay County
Street #: 20816
Street Name: Front Beach
Street Suffix: Road
State: FL
Zip Code: 32413
County: Bay
Project Name/Subdivision: SANTA MONICA BEACH
Parcel ID: 37194-000-000
Property Features
Construction Status: Construction Complete
Lot Features: Corner; Within 1/2 Mile to Water
Zoning: County
Waterview: Gulf
Parking Features: Garage Attached
Project Facilities: BBQ Pit/Grill; Deed Access; Picnic Area; Pool; Separate Storage; Short Term Rental - Allowed; TV Cable; Waterfront
Exterior: Balcony; Fenced Lot-All; Hurricane Shutters; Patio Open; Pool - Heated; Pool - In-Ground; Renovated; Shower; Sprinkler System
Interior: Built-In Bookcases; Fireplace; Floor Hardwood; Floor Tile; Floor WW Carpet; Renovated; Shelving; Wallpaper; Washer/Dryer Hookup; Window Bay; Window Treatment All
Appliances: Auto Garage Door Opn; Dishwasher; Disposal; Dryer; Microwave; Oven Self Cleaning; Refrigerator W/IceMk; Smoke Detector; Stove/Oven Gas; Washer
Utilities: Electric; Gas - Natural; Phone; Private Well; Septic Tank; Sewer Available; TV Cable
Energy: AC - 2 or More; AC - Central Elect; Ceiling Fans; Heat - Two or More; Heat Cntrl Gas; Water Heater - Elect
Master Bedroom: Second
Bedroom: First; Second
Kitchen: First
Full Bathroom: First; Second
Rooms: Balcony; Bedroom; Covered Porch; Dining Room; Full Bathroom; Garage; Kitchen; Master Bathroom; Master Bedroom
Financing: Conventional; Other
Room Information
Kitchen
Level: First
Dimensions: 27 x 10
Length: 27.00
Width: 10.00
Remarks: Eat-in Kitchen
Dimensions: 27 x 10
Master Bedroom
Level: Second
Dimensions: 17 x 15
Length: 17.00
Width: 15.00
Dimensions: 17 x 15
Master Bathroom
Level: Second
Dimensions: 13 x 11
Length: 13.00
Width: 11.00
Dimensions: 13 x 11
Bedroom
Level: Second
Dimensions: 14 x 11
Length: 14.00
Width: 11.00
Dimensions: 14 x 11
Full Bathroom
Level: Second
Dimensions: 8 x 5
Length: 8.00
Width: 5.00
Dimensions: 8 x 5
Bedroom
Level: First
Dimensions: 11 x 11
Length: 11.00
Width: 11.00
Dimensions: 11 x 11
Dining Room
Level: First
Dimensions: 25 x 14
Length: 25.00
Width: 14.00
Remarks: Dining/Living Combo
Dimensions: 25 x 14
Bedroom
Level: First
Dimensions: 12 x 12
Length: 12.00
Width: 12.00
Dimensions: 12 x 12
Full Bathroom
Level: First
Dimensions: 10 x 6
Length: 10.00
Width: 6.00
Dimensions: 10 x 6
Full Bathroom
Level: First
Dimensions: 12 x 6
Length: 12.00
Width: 6.00
Dimensions: 12 x 6
Balcony
Level: Second
Dimensions: 38 x 13
Length: 38.00
Width: 13.00
Dimensions: 38 x 13
Covered Porch
Level: First
Dimensions: 38 x 13
Length: 38.00
Width: 13.00
Dimensions: 38 x 13
Garage
Level: First
Dimensions: 35 x 24
Length: 35.00
Width: 24.00
Dimensions: 35 x 24
Listing Office:
Rosemary Beach Realty LLC
Listing Agent:
Cyndi Wilkinson
Last Updated: March - 09 - 2026
All information is believed to be accurate but is not guaranteed. Protected by Copyright© 2026 and is owned either by the Emerald Coast Association of REALTORS®, Inc or by the developers of the software, FBS, Inc. All rights reserved.