16328 Front Beach Road 20, Panama City Beach, FL 32413 (MLS# 796321)

Floor Number: 1

Design: Low-Rise (1-3 floors)

Apx SqFt(Htd/Cooled): 1368

Construction Status: Construction Complete

SqFt Source: Prop App Site

Half Baths: 1

Accessory Dwelling Unit: No

Lot Dimensions: 0

New Construction: No

Garage Y/N: Yes

Garage Spaces: 2

Pool: Yes

Pool Type: Community

Sub-Type: Condominium

Bedrooms: 3

Full Baths: 3

Total Baths: 4

Year Built: 2002

List Price/SqFt: 603.07

Status: Active

List Date: 2026-10-06

List Price: $824,999

Current Price: $824,999

Unit #: 20

Sub Area: 0318 - Beach - Central South

Community/Resort: None

Waterfront: No

Elementary School: Hutchison Beach

Middle School: Surfside

High School: Arnold

Directions: House is located directly west of Pier Park on the north side of Front Beach Road. Turn into Summer Town Cottages. Take the first right and house is on the end on the right. House has a garage.

Area: 03 - Bay County - Beach

Street #: 16328

Street Name: Front Beach

Street Suffix: Road

State: FL

Zip Code: 32413

County: Bay

Subdivision: Summer Towne Cottage Condo Ph II

Parcel ID: 33674-020-000

Legal Description: SUMMER TOWNE COTTAGE CONDO PH III UNIT 20 ORB 2038 P 1491 3BR 3.5B 1368 H&C ORB 4234 P 772

HOA Fee: Yes

HOA Amount: 1227.76

HOA Frequency: Quarterly

HOA Annual Amount: 4911.04

New Buyer Fee: Yes

Last Taxes: 6038.55

Last Tax Year: 2025

Brokerage Interest: No Interest

Condo Doc: Yes

Remarks: Beach days, sunset walks and dinner out can all be part of the routine at Pier Haven, a three-story cottage in Summer Towne Cottages, a colorful, low-density beach community just steps from the Gulf on Front Beach Road in Panama City Beach. With the beach, Pier Park, Russell-Fields Pier, shopping, restaurants and entertainment all within easy walking distance, the location makes it easy to leave the car behind and settle into the best parts of beach life. Pier Haven is the cottage closest to Pier Park, putting some of the area's most popular spots practically at your doorstep. Short-term rentals are allowed, and Pier Haven has an established rental history, generating the equivalent of $93,089 in 2023, $93,615 in 2024 and $90,643 in 2025 (including owner usage). For a buyer looking for a Panama City Beach vacation home that can also generate rental income when not being enjoyed personally, the combination of location, layout and established rental performance is compelling. Summer Towne Cottages offers a different kind of beach getaway - a collection of cottage-style homes gathered around a seasonal community pool rather than a large resort tower. There are no crowded lobbies or elevators to navigate, and this home comes with its own two-car garage. Guests can also enjoy the community's sun deck, seasonal outdoor pool, BBQ facilities and picnic area. Inside, the three-story layout gives everyone room to spread out while creating distinct spaces for gathering and relaxing. The main living area occupies the top floor, where vaulted ceilings, tile flooring and an open floor plan make the space feel bright and airy. A covered porch with grill extends the living area outdoors, while the top deck offers impressive beach views and the kind of gulf breeze that makes you want to stay outside a little longer. The top-floor primary suite has its own reading nook, private bath and balcony overlooking the beach, creating a private retreat with a front-row beach view. Two additional bedroom suites are located on the second floor, each with a private bathroom. One includes a twin trundle bed tucked into a cozy nook, while the other features a queen bed and a private balcony overlooking the community pool. The washer and dryer are conveniently located on this level. The first floor adds another bedroom with a twin-over-full trundle bed, along with a private bathroom and foyer entrance. With three bedrooms, three full baths and a half bath, the layout gives families and groups plenty of room to spread out, while the multiple bedrooms, private baths and outdoor spaces make the home especially well suited to vacation stays. Pier Haven offers a distinctly different way to experience Panama City Beach: your own colorful cottage by the Gulf, with the beach and the best of the west end just outside the door. Schedule a tour to take a closer look at Pier Haven and see what makes this location so easy to enjoy.

Dishwasher: 1

Disposal: 1

Microwave: 1

Oven - Electric: 1

Range - Electric: 1

Refrigerator: 1

Water Heater - Electric: 1

Breakfast Bar: 1

Ceiling - Vaulted: 1

Foundation - Slab on Grade: 1

Siding - Hardie Board: 1

Siding - Metal: 1

Balcony: 1

Deck Covered: 1

Shower: 1

Porch Covered: 1

Sprinkler System: 1

Accounting: 1

Pool: 1

Trash Disposal: 1

TV Cable: 1

Furnished: 1

Within 1/2 Mile to Water: 1

Garage Attached: 1

Pool: 1

Bedroom: 1

Primary Bedroom: 1

ShowingTime: 1

Electricity - Connected: 1

Public Sewer - Connected: 1

Public Water - Connected: 1

Gulf: 1

First: 1

First: 1

Second: 1

Ceiling Fan(s): 1

Central Air: 1

Electric: 1

Electric: 1

MBath Double Vanity: 1

MBath Shower Only: 1

MBath Walk-In Closet: 1

MBed Balcony: 1