14401 Front Beach Road 403, Panama City Beach, FL 32413 (MLS# 785495)

HOA Fee: Yes

HOA Amount: 895

HOA Frequency: Monthly

HOA Annual Amount: 10740

New Buyer Fee: No

Last Taxes: 1664

Last Tax Year: 2025

Brokerage Interest: No Interest

Condo Doc: Yes

List Price/SqFt: 448.48

Status: Active

List Date: 2026-02-19

List Price: $148,000

Current Price: $148,000

Unit #: 403

Sub Area: 0318 - Beach - Central South

Community/Resort: None

Waterfront: No

Elementary School: Hutchison Beach

Middle School: Surfside

High School: Arnold

Directions: From the Hathaway Bridge, take Hwy 98 W, Turn Left of Clara Ave, Turn Right on Pennel St merging onto Front Beach Rd. The destination will be on your left

Area: 03 - Bay County - Beach

Street #: 14401

Street Name: Front Beach

Street Suffix: Road

State: FL

Zip Code: 32413

County: Bay

Subdivision: Fontainebleau Terrace

Parcel ID: 34511-581-000

Legal Description: FONTAINEBLEAU TERRACE UNIT 403 ORB 4543 P 737 EFF 330 H&C

Floor Number: 4

Design: Mid-Rise (4-7 floors)

Apx SqFt(Htd/Cooled): 330

Construction Status: Construction Complete

SqFt Source: Prop App Site

Lot Dimensions: 0 x 0

New Construction: No

Garage Y/N: No

Pool: Yes

Pool Type: Community

Sub-Type: Condominium

Full Baths: 1

Total Baths: 1

Year Built: 1965

Remarks: If you are searching for the perfect blend of investment potential and coastal lifestyle, look no further. Situated less than a mile from Pier Park, you are just minutes away from some of the best shopping, dining, and entertainment the area has to offer -- and a short drive puts you at 30A, St. Andrews, and downtown Panama City as well. The numbers speak for themselves -- $27,000 in rental income generated in 2025 alone. Owner financing is available at 20% down with a 5-year balloon, lowering the barrier to entry and making your return on investment work even harder from day one. This is the kind of cash-flowing beachfront opportunity that simply does not come around often. Step inside this stunning 4th-floor west-facing unit at the iconic Fontainebleau and see exactly why guests keep coming back. Sweeping sunset views greet you from every angle, with the Gulf of Mexico so close it almost feels like part of the living space -- quite simply, it does not get more beachfront than this. Inside, the unit has been thoughtfully refreshed throughout, featuring a full bathroom with updated flooring and a kitchenette outfitted with new cabinetry and a new sink. Clean, coastal, and completely turnkey, this is the definition of effortless lock-and-leave living -- ready to generate income from the moment you close. The building itself is just as impressive as the views. A true Panama City Beach landmark, Fontainebleau Terrace has called this stretch of shoreline home since 1965 -- and she has never looked better. Attentive association management and a strong sense of community pride have kept the building and all of its amenities beautifully updated and well maintained. Notably, the building has successfully passed its milestone inspection report -- a significant and reassuring accomplishment that speaks directly to the integrity of the structure and the strength of its management. Each unit comes with its own reserved parking spot, adding an extra layer of everyday convenience for owners and guests alike. Perfectly positioned alongside a dedicated beach, owners enjoy unobstructed views of sugar-white sand, sea oats, and those signature emerald-green waters -- all in a wonderfully low-density setting. 🏖️ The amenities here truly set Fontainebleau Terrace apart and make it a property guests actively seek out and rebook. Residents and guests enjoy access to an owners' lounge, game room, fitness room, laundry facilities, a gorgeous partially covered pool, and both open-air and covered gathering spaces overlooking the beach and Gulf. Elevator access serves every floor, beach service is being introduced this year, and the HOA covers electricity, water, sewer, cable, Wi-Fi, and trash -- keeping operating costs low and ownership as stress-free as the setting itself.

Inground: 1

Microwave: 1

Oven - Electric: 1

Refrigerator: 1

Floor - Tile: 1

Window - Treatment All: 1

Accounting: 1

Advertising: 1

Community Room: 1

Exercise Room: 1

Ground Keeping: 1

Insurance: 1

Legal: 1

Management: 1

Pest Control: 1

Pool: 1

Cash: 1

Seller Financing: 1

Furnished: 1

First: 1

First: 1

City Street: 1

Paved Road: 1

BBQ Pit/Grill: 1

Beach: 1

Community Room: 1

Dumpster: 1

Elevators: 1

Exercise Room: 1

Pool: 1

Kitchen: 1

Living Room: 1

Master Bedroom: 1

ShowingTime: 1

Cable - Available: 1

Electricity - Connected: 1

Public Sewer - Connected: 1

Public Water - Connected: 1

As Is: 1

First: 1

Central Air: 1

Electric: 1

Central: 1

Electric: 1

Smoke Detector(s): 1