12011 Front Beach Road 405B
Panama City Beach, FL 32407
MLS# 777834
2 beds | 2 baths | 1076 sqft
Property Description*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.
List Price/SqFt: 418.12
Status: Active
List Date: 2025-08-19
List Price: $449,900
Unit #: 405B
Sub Area: 0318 - Beach - Central South
Community/Resort: None
Waterfront: Yes
Gulf Access: Yes
Elementary School: Hutchison Beach
Middle School: Surfside
High School: Arnold
Directions: Located on Front Beach Rd across from Shipwreck Island Water Park Parking
Area: 03 - Bay County - Beach
Street #: 12011
Street Name: Front Beach
Street Suffix: Road
State: FL
Zip Code: 32407
County: Bay
Subdivision: Sterling Reef
Parcel ID: 34809-610-026
Legal Description: STERLING REEF UNIT 405 TYPE B ORB 3944 P 2072 ''ARUBA'' 2BD/2BTH ORB 3944 P 2072 1076 SQ.FT.=H&C . 184 SQ.FT.=BALC
Floor Number: 4
Design: High-Rise (8+ floors)
Apx SqFt(Htd/Cooled): 1076
Immediate Occupancy: Yes
Construction Status: Construction Complete
SqFt Source: Prop App Site
Lot Dimensions: 0X0
New Construction: No
Garage Y/N: Yes
Garage Spaces: 2
Pool: Yes
Pool Type: Community
Association Fee/Month: 977
Sub-Type: Condominium
Total Baths: 2
Year Built: 2005
Homestead: No
HOA Fee: Yes
HOA Amount: 977
HOA Frequency: Monthly
HOA Annual Amount: 11724
Is Subject Leased: Yes
New Buyer Fee: Yes
New Buyer Fee Amt: 200
New Buyer Fee Paid: $
Last Taxes: 5465
Last Tax Year: 2024
Brokerage Interest: No Interest
Remarks: *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.
Cooktop - Electric: 1
Dishwasher: 1
Microwave: 1
Oven - Electric: 1
Water Heater - Electric: 1
Breakfast Bar: 1
Floor - Tile: 1
Kitchen Island: 1
Lock Out Closet: 1
Split Bedroom: 1
Handicap Provisions: 1
Concrete: 1
Foundation - On Piling: 1
Advertising: 1
BBQ Pit/Grill: 1
Beach: 1
Community Room: 1
Exercise Room: 1
Ground Keeping: 1
Insurance: 1
Management: 1
Pest Control: 1
Picnic Area: 1
Pool: 1
Repairs/Maintenance: 1
Trash Disposal: 1
Water: 1
Coastal Construction Control Line: 1
Covenants & Rescrictions: 1
Community Room: 1
Elevators: 1
Exercise Room: 1
Picnic Area: 1
Pool: 1
Security-24 hour: 1
Bedroom: 1
Primary Bedroom: 1
Electricity - Connected: 1
Accessible Bedroom: 1
Accessible Central Living Area: 1
Ceiling Fan(s): 1
Central Air: 1
MBed Balcony: 1
MBed Walk-in Closet: 1
MBath Shower/Tub Combo: 1
Building Security: 1
Fire Sprinkler System: 1
Firewall(s): 1
Smoke Detector(s): 1
Accessibility Features: Accessible Bedroom; Accessible Central Living Area; Accessible Doors
Appliances: Cooktop - Electric; Dishwasher; Disposal; Dryer; Microwave; Oven - Electric; Refrigerator; Washer; Water Heater - Electric
Cooling: Ceiling Fan(s); Central Air; Electric
Heating: Central; Electric
Existing Leases: Daily/Weekly
Association Fees Include: Advertising; BBQ Pit/Grill; Beach; Community Room; Exercise Room; Insurance; Ground Keeping; Repairs/Maintenance; Management; Pest Control; Picnic Area; Pool; Security; Sewer; Trash Disposal; Water
Financing: Cash; Conventional; FHA; VA
Interior: Insulated Doors
Lot Features: Coastal Construction Control Line; Covenants & Rescrictions; Waterfront
Pool Features: Fenced; Inground
Security Features: Building Security; Fire Sprinkler System; Firewall(s); Smoke Detector(s)
Parking Features: Garage Attached
Association Amenities: BBQ Pit/Grill; Beach; Community Room; Elevators; Exercise Room; Picnic Area; Pool; Security-24 hour; Waterfront
Rooms: Bedroom; Primary Bedroom
Utilities: Electricity - Connected
Waterfront Feature: Shore - Beach
Present Zoning: Resid Multi-Family
| Room Name | Level | Dimensions | Length | Width |
| Primary Bedroom | First | 14 x 12 | 14.00 | 12.00 |
| Bedroom | First | 10 x 10 | 10.00 | 10.00 |
Listing Office: Keller Williams Success Realty
Last Updated: June - 29 - 2026
Information deemed reliable but not guaranteed.