20405 Front Beach Road, Panama City Beach, FL 32413 (MLS# 792326)

List Price/SqFt: 900.29

Status: Active

List Date: 2026-07-07

List Price: $4,695,000

Current Price: $4,695,000

Sub Area: 0325 - Beach - West South

Community/Resort: Laguna Beach

Waterfront: Yes

Gulf Access: Yes

Elementary School: West Bay

Middle School: Surfside

High School: Arnold

Directions: From highway 98 turn south on Wisteria Lane. The house is directly in front of you when you reach Front Beach Road.

Area: 03 - Bay County - Beach

Street #: 20405

Street Name: Front Beach

Street Suffix: Road

State: FL

Zip Code: 32413

County: Bay

Subdivision: Laguna Beach Estates

Parcel ID: 36627-000-000

Legal Description: LAGUNA BEACH ESTATES PART LOT 1 BLK 2A: COMM ELY COR LOT 1 BLK 2A S28W 25' N61W 3' FOR POB TH S28W 70' N61W 31.25' N28E 30' N61W 3.25'N28E 40' N61E 34.50 TO POB AKA UNIT 1 ORB 4500 P 1669

Acreage: 0.09

Design: Beach House

Lot Size (SqFt): 3920

Apx SqFt(Htd/Cooled): 5215

Immediate Occupancy: Yes

Construction Status: Construction Complete

SqFt Source: Prop App Site

Half Baths: 1

# of Stories in Building: 4

Lot Dimensions: 38x105

New Construction: No

Garage Y/N: Yes

Garage Spaces: 0.5

Beach Frontage: 38

Driveway Spaces: 6

Pool: Yes

Pool Type: Private

Sub-Type: Detached Single Family

Bedrooms: 9

Full Baths: 9

Total Baths: 10

Year Built: 2019

Homestead: No

HOA Fee: No

Senior Community: No

Is Subject Leased: No

New Buyer Fee: No

Brokerage Interest: No Interest

As Is: No

Remarks: *Sellers offering a one-year competitive rental guarantee with qualifying offer* When I first toured 20405 Front Beach Road I was surprised by how livable the floorplan is for such a strong rental producer. It's very rare to find this kind of rental return on the gulf, and even more rare to find a strong rental producer with a floor plan that feels like a real home, not just a small hotel. This house has a family room on almost every level along with two kitchens and multiple laundry areas. Every bedroom has an ensuite bath, and most of the bedrooms have a walk-in closet as well. Each floor feels like its own space and has room to breathe, so it's ideal for a family to spend time together while not feeling like you're on top of one another. 20405 Front Beach Road advertises one of the best cap rates among gulf front homes with approximately $300,000 in actual gross rental income year-to-date (April 2026) and a projected $390,000+ in annual gross rental income. At $900/ft this home is the second lowest list price per foot in the last year for a gulf front home on the West end of Panama City Beach. 20405 Front Beach Road is only five miles from Pier Park, the largest shopping, dining, and entertainment complex in Northwest Florida. It also sits five miles from the iconic Rosemary Beach. This is an ideal location for someone who wants to be within striking distance of 30A without paying the 30A price premium. Another aspect of the location that I love is how it makes avoiding traffic gridlock easier. The street directly in front of the driveway, Wisteria Lane, connects to Highway 98. You can pull out of the driveway onto Wiseteria Lane and then turn onto Highway 98 and bypass any congestion on Front Beach Road. This has made avoiding traffic so much easier during busy times. Another thing that stands out to me is how deep/wide the stretch of beach in front of the home is. This beach stays relatively uncrowded year-round. I've been at the home during peak Summer and Spring break months and have been surprised with the lack of crowds nearby compared to other gulf front listings that I've toured. Many properties in our market lack adequate storage, but 20405 Front Beach Road does not have that problem. There's a lockable owner's closet on almost every floor, and it was cleverly built to include a half-car garage which functions as ideal storage or as a large owner's closet. Many owners choose to lock off a space like this and keep a refrigerator, personal bikes, beach toys, and other items they'll need for their vacation. This way an owner can relax and not worry about having to go shopping first thing when they come into town. Distance from 20405 Front Beach Road to: Camp Helen State Park (4.0 miles), Pier Park (5.1 miles), Rosemary Beach (5.9 miles), Watersound Beach Club (7.8 miles), Airport (22 minute drive)

Fourth: 1

Third: 1

Fourth: 1

Heated - Gas: 1

Inground: 1

Range - Electric: 1

Refrigerator: 1

Washer/Dryer Stacked: 1

Water Heater - Tankless: 1

Breakfast Bar: 1

Ceiling - Raised: 1

Floor - Hardwood: 1

Kitchen Island: 1

Lighting - Recessed: 1

Pantry: 1

Window - Treatment All: 1

Foundation - Stilts: 1

Wood/Frame: 1

Roof - Metal: 1

Siding - Hardie Board: 1

Balcony: 1

Deck Covered: 1

Waterfront Feet: 38

Furnished: 1

Bonus Room: 1

Second: 1

First: 1

Second: 1

Coastal Construction Control Line: 1

Waterfront: 1

Within 1/2 Mile to Water: 1

Paved Road: 1

Garage Attached: 1

Resid Single Family: 1

Bedroom: 1

Bonus Room: 1

Bunk Room: 1

Kitchen: 1

Living Room: 1

Loft: 1

Electricity - Connected: 1

Natural Gas - Connected: 1

Public Sewer - Connected: 1

Public Water - Connected: 1

Gulf: 1

Unobstructed: 1

Gulf: 1

First: 1

Second: 1

Third: 1

Fourth: 1

Multi Units: 1

Zoned: 1

MBath Double Vanity: 1

MBath Separate Shwr: 1

MBath Tub - Soaking: 1

MBath Walk-In Closet: 1

MBed Balcony: 1

MBed Waterfront: 1