*Shown by Appointment* WOW! Sterling Reef is one of the most sought-after Gulf front communities on the beach! Low density means no waiting for an elevator and always a seat on the pool deck! This 2 bed/2 bath unit is being sold fully furnished and includes washer and dryer! New tile throughout! The main bedroom has its own private bath and glass slider providing over-sized patio access and an amazing view of the water from bed!
Sterling Reef amenities include a fitness center with water view and two Gulf front pools for you to enjoy! There is also a grill area with outdoor seating. Plenty of ground floor Garage parking!
Sterling Reef is located next to the County Pier, which makes it perfect for fishing, and across from Shipwreck Water Park! Walk to dining and entertainment! *All measurements/info to be confirmed by buyer/representative.
For sale
$449,900
12011 Front Beach Rd #405B, Panama City Beach, FL 32413
2beds
1,076sqft
Est.:
Condominium
Built in 2005
-- sqft lot
$429,200 Zestimate®
$418/sqft
$-- HOA
What's special
Fully furnishedIncludes washer and dryerNew tile throughoutTwo gulf front pools
- 17 days |
- 374 |
- 12 |
Zillow last checked: 7 hours ago
Listing updated: March 26, 2026 at 01:50pm
Listed by:
Ryan T Powell 850-381-2662,
Keller Williams Success Realty
Source: CPAR,MLS#: 777834
Originating MLS: Central Panhandle Association of REALTORS
Originating MLS: Central Panhandle Association of REALTORSTour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Rooms
- Room types: Bedroom, Primary Bedroom
Primary bedroom
- Level: First
- Dimensions: 14 x 12
Bedroom
- Level: First
- Dimensions: 10 x 10
Heating
- Central, Electric
Cooling
- Central Air, Ceiling Fan(s)
Appliances
- Included: Electric Cooktop, Electric Oven, Electric Water Heater
Features
- Handicap Access
- Doors: Insulated Doors
Interior area
- Total structure area: 1,076
- Total interior livable area: 1,076 sqft
Property
Parking
- Total spaces: 2
- Parking features: Garage
- Garage spaces: 2
Accessibility
- Accessibility features: Accessible Bedroom, Accessible Central Living Area, Accessible Doors
Features
- Pool features: Fenced, In Ground, Community
- Has view: Yes
- View description: Gulf
- Has water view: Yes
- Water view: Gulf
- Waterfront features: Gulf, Shoreline - Sand
Details
- Parcel number: 34809610026
- On leased land: Yes
- Zoning description: Resid Multi-Family
- Special conditions: Listed As-Is
Construction
Type & style
- Home type: Condo
- Architectural style: High Rise
- Property subtype: Condominium
- Attached to another structure: Yes
Materials
- Concrete, Stucco
- Foundation: Pillar/Post/Pier
Condition
- New construction: No
- Year built: 2005
Utilities & green energy
- Utilities for property: Electricity Available
Community & HOA
Community
- Features: Barbecue, Beach, Clubhouse, Elevator, Fitness Center, Park, Pool, Waterfront, Community Pool, Short Term Rental Allowed
- Security: Building Security, Firewall(s), Fire Sprinkler System, Smoke Detector(s), Security Service
- Subdivision: Sterling Reef
HOA
- Has HOA: Yes
- Amenities included: Beach Rights, Barbecue, Picnic Area
Location
- Region: Panama City Beach
Financial & listing details
- Price per square foot: $418/sqft
- Tax assessed value: $461,975
- Annual tax amount: $5,465
- Date on market: 3/26/2026
- Cumulative days on market: 215 days
- Electric utility on property: Yes
Estimated market value
$429,200
$408,000 - $451,000
$2,616/mo
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 3/26/2026 | Listed for sale | $449,900$418/sqft |
Source:  CPAR #777834 Report a problem | ||
| 3/4/2026 | Listing removed | $449,900$418/sqft |
Source: CPAR #777834 Report a problem | ||
| 8/19/2025 | Listed for sale | $449,900+69.1%$418/sqft |
Source: CPAR #777834 Report a problem | ||
| 10/10/2017 | Sold | $266,000-52.5%$247/sqft |
Source: Public Record Report a problem | ||
| 4/11/2005 | Sold | $560,000$520/sqft |
Source: Public Record Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $5,465 +4.7% | $390,316 +10% |
| 2023 | $5,220 +25.5% | $354,833 +10% |
| 2022 | $4,161 | $322,575 |
| 2021 | -- | -- |
| 2020 | $3,313 +10.8% | $270,496 +10% |
| 2019 | $2,989 | $245,905 +10% |
| 2018 | $2,989 +8.5% | $223,550 +10.4% |
| 2017 | $2,756 +19.2% | $202,470 +0.4% |
| 2016 | $2,312 +0% | $201,607 +10% |
| 2015 | $2,311 | $183,279 +10% |
| 2014 | $2,311 | $166,617 +10% |
| 2013 | -- | $151,470 +10% |
| 2012 | -- | $137,700 -15.3% |
| 2011 | -- | $162,565 -8.9% |
| 2010 | -- | $178,500 -19.1% |
| 2009 | -- | $220,580 -19.8% |
| 2008 | -- | $274,890 -16% |
| 2007 | -- | $327,250 -30% |
| 2006 | -- | $467,500 +1458.3% |
| 2005 | -- | $30,000 |
Find assessor info on the county website
Monthly payment
Est. payment
$2,638/mo
Principal & interest
$2162
Property taxes
$476
More affordability tools
Climate risks
Neighborhood: 32413
Nearby schools
GreatSchools rating
- 8/10Hutchison Beach Elementary SchoolGrades: K-5Distance: 0.9 mi
- 7/10Surfside Middle SchoolGrades: 6-8Distance: 2 mi
- 4/10J.R. Arnold High SchoolGrades: 9-12Distance: 1.5 mi
Schools provided by the listing agent
- Elementary: Hutchison Beach
- Middle: Surfside
- High: Arnold
Source: CPAR. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
Local experts in 32413
- Florida
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- 12011 Front Beach Rd Unit 405B
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