20816 Front Beach Road
Panama City Beach, FL 32413
MLS# 990262
6 beds | 4 baths | 2808 sqft
Property DescriptionWelcome to your ultimate beach retreat on the highly sought-after west end of Panama City Beach! This fully remodeled 6-bedroom, 4-bath coastal stunner delivers the perfect blend of luxury, entertainment, and Gulf-side living. Enjoy beautiful views of the Gulf along with private beach access, giving you the beachfront lifestyle everyone dreams of.
Step into a home that feels welcoming with high-end finishes, designer touches, upgraded LED lighting, and a thoughtful layout that makes every space shine. The home comes fully furnished, offering
Listing Board: Emerald Coast
List Price/SqFt: 890.31
List Date: 2025-11-24
Current Price: $2,500,000
Sub Area: 2724 - Beach - West Central
Elementary School: West Bay
Middle School: Surfside
High School: Arnold
Legal Description: SANTA MONICA BEACH LOT 1 BLK 3 ORB 4705 P 1157
Sub-Type: Detached Single Family
Design: Beach House
SqFt Source: Agent-Measured
Garage: Yes
Pool Type: Private
Apx SqFt(Htd/Cooled): 2808
Total Bathrooms: 4
# Stories: 2
Year Built: 2002
Garage Spaces: 2
Is Subject Leased: No
Assessment Fees: Yes
Assessment Amount: 240
Annual Assessment Amount: 240
Assessment Paid: Annually
New Buyer Fee: No
Last Taxes: 21118.51
Last Tax Year: 2024
Brokerage Interest: No Interest
As Is: No
Remarks: Welcome to your ultimate beach retreat on the highly sought-after west end of Panama City Beach! This fully remodeled 6-bedroom, 4-bath coastal stunner delivers the perfect blend of luxury, entertainment, and Gulf-side living. Enjoy beautiful views of the Gulf along with private beach access, giving you the beachfront lifestyle everyone dreams of.
Step into a home that feels welcoming with high-end finishes, designer touches, upgraded LED lighting, and a thoughtful layout that makes every space shine. The home comes fully furnished, offering
Corner: 1
Within 1/2 Mile to Water: 1
BBQ Pit/Grill: 1
Deed Access: 1
Separate Storage: 1
Short Term Rental - Allowed: 1
Roof Metal: 1
Roof Pitched: 1
Siding Vinyl: 1
Siding Wood: 1
Electric: 1
Gas - Natural: 1
Septic Tank: 1
Sewer Available: 1
Balcony: 1
Fenced Lot-All: 1
Hurricane Shutters: 1
Patio Open: 1
Pool - Heated: 1
Pool - In-Ground: 1
Built-In Bookcases: 1
Fireplace: 1
Floor Hardwood: 1
Floor Tile: 1
Floor WW Carpet: 1
Renovated: 1
Washer/Dryer Hookup: 1
Window Bay: 1
Auto Garage Door Opn: 1
Dishwasher: 1
Microwave: 1
Oven Self Cleaning: 1
Refrigerator W/IceMk: 1
Smoke Detector: 1
Stove/Oven Gas: 1
Washer: 1
AC - 2 or More: 1
AC - Central Elect: 1
Ceiling Fans: 1
Heat - Two or More: 1
Heat Cntrl Gas: 1
Water Heater - Elect: 1
MBath Double Vanity: 1
MBath Separate Shwr: 1
MBath Tile: 1
MBath Whirlpool: 1
MBed Balcony: 1
MBed Carpeted: 1
MBed Cthdrl Ceiling: 1
MBed Sitting Area: 1
Covered Porch: 1
Dining Room: 1
Full Bathroom: 1
Garage: 1
Kitchen: 1
Master Bathroom: 1
Area: 27 - Bay County
Street #: 20816
Street Name: Front Beach
Street Suffix: Road
County: Bay
Project Name/Subdivision: SANTA MONICA BEACH
Construction Status: Construction Complete
Lot Features: Corner; Within 1/2 Mile to Water
Parking Features: Garage Attached
Project Facilities: BBQ Pit/Grill; Deed Access; Picnic Area; Pool; Separate Storage; Short Term Rental - Allowed; TV Cable; Waterfront
Exterior: Balcony; Fenced Lot-All; Hurricane Shutters; Patio Open; Pool - Heated; Pool - In-Ground; Renovated; Shower; Sprinkler System
Interior: Built-In Bookcases; Fireplace; Floor Hardwood; Floor Tile; Floor WW Carpet; Renovated; Shelving; Wallpaper; Washer/Dryer Hookup; Window Bay; Window Treatment All
Appliances: Auto Garage Door Opn; Dishwasher; Disposal; Dryer; Microwave; Oven Self Cleaning; Refrigerator W/IceMk; Smoke Detector; Stove/Oven Gas; Washer
Utilities: Electric; Gas - Natural; Phone; Private Well; Septic Tank; Sewer Available; TV Cable
Energy: AC - 2 or More; AC - Central Elect; Ceiling Fans; Heat - Two or More; Heat Cntrl Gas; Water Heater - Elect
Full Bathroom: First; Second
Rooms: Balcony; Bedroom; Covered Porch; Dining Room; Full Bathroom; Garage; Kitchen; Master Bathroom; Master Bedroom
Financing: Conventional; Other
a true turnkey opportunity whether you plan to use it as a primary residence, second home, or high-performing investment property.
Outside, the fun really begins. The expansive outdoor area is built for entertaining with multiple seating zones, a heated private pool, and vibrant LED lighting that transforms the space into a coastal oasis at night. The property also features a mini-golf area, perfect for guests, kids, and everyone looking to enjoy a little friendly competition.
From the incredible outdoor amenities to the luxurious interior updates, this home offers an unmatched experience on Front Beach Road. If you're searching for a Gulf-view property that truly has it all, this is the one.
Information contained within this listing such as lot dimensions, is deemed to be accurate but is not guaranteed. Buyer to verify.
| Room Name | Level | Dimensions | Length | Width | Remarks | Dimensions |
| Kitchen | First | 27 x 10 | 27.00 | 10.00 | Eat-in Kitchen | 27 x 10 |
| Master Bedroom | Second | 17 x 15 | 17.00 | 15.00 | | 17 x 15 |
| Master Bathroom | Second | 13 x 11 | 13.00 | 11.00 | | 13 x 11 |
| Bedroom | Second | 14 x 11 | 14.00 | 11.00 | | 14 x 11 |
| Full Bathroom | Second | 8 x 5 | 8.00 | 5.00 | | 8 x 5 |
| Bedroom | First | 11 x 11 | 11.00 | 11.00 | | 11 x 11 |
| Dining Room | First | 25 x 14 | 25.00 | 14.00 | Dining/Living Combo | 25 x 14 |
| Bedroom | First | 12 x 12 | 12.00 | 12.00 | | 12 x 12 |
| Full Bathroom | First | 10 x 6 | 10.00 | 6.00 | | 10 x 6 |
| Full Bathroom | First | 12 x 6 | 12.00 | 6.00 | | 12 x 6 |
| Balcony | Second | 38 x 13 | 38.00 | 13.00 | | 38 x 13 |
| Covered Porch | First | 38 x 13 | 38.00 | 13.00 | | 38 x 13 |
| Garage | First | 35 x 24 | 35.00 | 24.00 | | 35 x 24 |
Listing Office: Rosemary Beach Realty LLC
Last Updated: March - 29 - 2026
All information is believed to be accurate but is not guaranteed. Protected by Copyright© 2026 and is owned either by the Emerald Coast Association of REALTORS®, Inc or by the developers of the software, FBS, Inc. All rights reserved.