12011 Front Beach Road 103b, Panama City Beach

$450,000

2 Beds
2 Baths
1,076 Sqft
0 Acre
0 Garage

Step into a rare Gulf-front opportunity at Sterling Reef, where the first living level (fourth floor from the ground) delivers something; no other floor can-expansive, oversized balconies that simply don't come available often. Unit 103B is all about outdoor living, with unobstructed Gulf views and a massive private balcony designed for long mornings, sunset gatherings, and true beachfront entertaining. Inside, the open layout features tile flooring throughout, a functional kitchen with granite countertops, breakfast bar, and a tiled island, offering a solid foundation for a buyer who wants to personalize and update the space to match their vision. Both bedrooms are generously sized and filled with natural light, making this an ideal canvas for creating a custom coastal retreat.... or a refreshed, high-performing rental. Whether you're an investor looking to add value through updates or a beach lover who wants to design a space that reflects your own style, this condo offers a rare blend of lifestyle appeal and renovation potential in one of the most desirable positions in the building. Sterling Reef completes the experience with resort-style amenities including a heated pool with waterfall, fitness center, game room, and direct beach access all just minutes from the dining, shopping, and entertainment that define this stretch of the Emerald Coast. With a motivated seller and a recent price improvement, this is a standout chance to secure a Gulf-front unit where the true value lies in its location, balcony size, and long-term potential. Opportunities like this, especially on this level, are few and far between.

Essential Information
MLS® #976787
Price$450,000
Sold Price$428,000
Date Sold$2026-04-10
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,076
Year Built2005
TypeResidential
Sub-TypeCondominium
StyleN/A
StatusSold
Community Information
Address12011 Front Beach Road 103b
Area27 - Bay County
SubdivisionSTERLING REEF
CityPanama City Beach
CountyBay
StateFL
Zip Code32407
Amenities
ParkingGarage
ViewGulf
Is WaterfrontYes
WaterfrontGulf
Utilities

Electric, Phone, Public Sewer, Public Water, TV Cable

Interior
HeatingCentral
CoolingCentral Air, Ceiling Fan(s)
Interior Features

Breakfast Bar, Kitchen Island, Recessed Lighting, Split Bedroom, Washer/Dryer Hookup, Woodwork Painted

Appliances

Dishwasher, Disposal, Dryer, Microwave, Refrigerator, Washer

Exterior
Exterior FeaturesBalcony
WindowsWindow Treatments
ConstructionConcrete
School Information
ElementaryBreakfast Point
MiddleSurfside
HighArnold
Additional Information
Days on Website515
Listing Details
OfficeKeller Williams Realty SRB
Property History
Price Reduced from $490,000 to $450,000
Price Reduced from $495,000 to $490,000
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All listings are provided courtesy of the Emerald Coast Association of Realtors, Copyright2026, All rights reserved.

Listing information last updated on October 16th, 2026 at 11:07pm CDT.