14415 Front Beach Rd #2103, Panama City Beach, FL 32413
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About this home
CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS Welcome to Ocean Reef 2103 -- Your Gulf-Front Getaway on the Emerald Coast! Experience breathtaking Gulf views and effortless coastal living from the 21st floor of Ocean Reef. This fully furnished, rental-ready, gulf-front condominium offers the perfect combination of spaciousness, comfort, and resort-style amenities, making it an exceptional vacation home, investment property, or both. One of the standout features of this residence is its coveted 10-foot ceilings and 8-foot interior doors, an exclusive feature offered only on floors 19 through 23 at Ocean Reef. From the moment you step inside, the elevated ceilings, taller doors, and open floor plan create an inviting sense of space and grandeur. Spectacular views of the Gulf of Mexico can be enjoyed from the living room, kitchen, and primary bedroom. Step outside onto the expansive 10' x 28' private balcony, where there's plenty of room to entertain, relax, and soak in the stunning scenery. It's the perfect place to watch spectacular sunsets, spot dolphins and schools of fish, or simply take in the seemingly endless views stretching along more than 20 miles of the Emerald Coast. The comfortable living area is designed for both relaxation and entertaining, featuring a sleeper sofa and two reclining chairs positioned to take full advantage of the incredible Gulf views. The fully equipped kitchen features stainless steel appliances, a breakfast bar with three bar stools, and an open design that flows seamlessly into the dining area, which comfortably seats six. The Gulf-front primary bedroom, with king bed, offers direct balcony access, allowing you to wake up to beautiful water views and enjoy the coastal breeze without leaving your room. The private primary bath includes a spacious walk-in shower. The guest bedroom currently features a queen bed but offers enough space to accommodate two queen beds, providing flexibility for owners and rental guests. A large laundry room adds valuable convenience while also providing generous storage space. The property also includes reserved, dedicated parking, an especially desirable feature for owners and guests. Ocean Reef offers an impressive collection of resort-style amenities, including a Gulf-front swimming pool, indoor pool, hot tub, sauna, steam room, and fitness room. Seasonal beach chair service is also available, offering chaise loungers and umbrellas for the ultimate beach-day experience. Location is another major advantage. Ocean Reef is conveniently situated approximately 1.5 miles from Pier Park, Panama City Beach's premier destination for shopping, dining, entertainment, and attractions. Directly across the street, you'll find a large gift shop, doughnut and coffee shop, mini-golf, go-kart track, snack bar, and more. And just two lots away, Runaway Island offers delicious beachfront dining with both indoor and outdoor seating. Whether you're looking for a turnkey rental investment, a second home, or your own Gulf-front escape, Ocean Reef 2103 checks all the boxes. Beautifully furnished, rental-ready, exceptionally spacious, and positioned high above the Gulf with unforgettable views -- this is one you won't want to miss. Put Ocean Reef 2103 at the top of your must-see list. You'll be glad you did!
CondoProperty Type
2008Year Built
$396Price/Sq.Ft.
$887/moHOA Dues
1 car garageParking
Listed by John L. Smith• Distinctive Beach Real Estate
Est. $3,093 per month, based on comparable rentals
Sale and tax history for 14415 Front Beach Rd #2103
Sale History
Tax History
Date
Event
Price
CPARMLS #793768
Sep 11, 2026
Sold
$453,500
$396/sq ft
Aug 7, 2026
Listed
$470,000
$410/sq ft
CPARMLS #774303
Jun 30, 2026
Listing Removed
—
Jun 25, 2026
Price Changed
$474,459
$414/sq ft
May 4, 2026
Price Changed
$474,500
$414/sq ft
Apr 16, 2026
Price Changed
$474,600
$414/sq ft
Apr 8, 2026
Price Changed
$474,700
$414/sq ft
Mar 18, 2026
Price Changed
$474,800
$414/sq ft
Feb 19, 2026
Price Changed
$474,900
$414/sq ft
Feb 4, 2026
Price Changed
$489,490
$427/sq ft
Jan 12, 2026
Price Changed
$489,590
$427/sq ft
Dec 29, 2025
Price Changed
$489,690
$427/sq ft
Nov 5, 2025
Price Changed
$489,790
$427/sq ft
Jun 2, 2025
Listed
$489,890
$427/sq ft
CPARMLS #715202
Sep 7, 2021
Listing Removed
—
Aug 6, 2021
Listed
$529,999
$462/sq ft
CPARMLS #392591
Mar 5, 2009
Sold
$239,000
$209/sq ft
Aug 29, 2008
Listed
$259,900
$227/sq ft
Year
Property tax
Land + Additions
Assessment*
2025
$5,675
2024
$5,679 (+4.4%)
2023
$5,441 (+24.5%)
2022
$4,372 (+17.3%)
2021
$3,726 (+11.6%)
2020
$3,338 (+12.0%)
2019
$2,980 (+4.8%)
$246,500
2018
$2,845 (+5.0%)
$229,500
2017
$2,710 (−2.2%)
$238,000
2016
$2,772 (+5.4%)
$239,275
2015
$2,630 (+7.0%)
$219,938
2014
$2,457
Public record
Beds
2
Baths
2
Stories
—
Lot width
—
Lot depth
—
Lot size
—
Year renovated
2008
Sq. Ft.
1,146
Year built
2008
Style
Condo/Co-op
County
Bay County
APN
40001250137
Parking Spaces
—
Basement
—
Accessible
—
HOA Dues
—
Garage
—
Features
—
Last updated by owner on Sep 14, 2026.
Property details
Parking
Garage/Carport Information
Has Garage
# of Garage Spaces: 1
Parking
Features: Additional Parking
Interior
Bathroom Information
# of Full Bathrooms: 2
Room Information
# of Rooms (Total): 3
Room Types: Dining Room, Kitchen, Living Room
Room 1 Information
Kitchen
Level: First
Dimensions: 10 x 9
Length: 10.0
Width: 9.0
Room 2 Information
Dining Room
Level: First
Dimensions: 12 x 14
Length: 12.0
Width: 14.0
Room 3 Information
Living Room
Level: First
Dimensions: 14 x 13.5
Length: 14.0
Width: 13.5
Equipment
Appliances: Electric Oven, Electric Range, Electric Water Heater
Interior Features
Other Features: Balcony, Double Vanity
Exterior
Building Information
Stories (Total): 23
Building Features: Dumpster
Roof Details: Membrane
Construction Details: Block, Concrete, Stucco
Exterior Features
Patio And Porch Features: Balcony
Security Features: Building Security, Fire Sprinkler System, Security Lights, Fire Alarm, Smoke Detector(s), Security Service
Pool and Spa Information
Pool Features: Gunite, Gas Heat, Indoor, In Ground, Community
Spa Features: Community
Lot Information
Lot Size Dimensions: 0x0
Is Waterfront
Waterfront Features: Gulf, Shoreline - Sand
Property Information
Has View
Entry Level: 21
Foundation Details: Pillar/Post/Pier
Financial
Tax Information
Annual Tax Amount: $5,674.54
Tax Year: 2025
Utilities
Utility Information
Sewer: Public Sewer
Heating & Cooling
Has Cooling
Cooling: Ceiling Fan(s), Heat Pump
Has Heating
Heating: Heat Pump
Location
Multi Unit Information
Units Furnished: All Units
# Of Units Total: 162
HOA Information
Has Home Owners Association
Association Fee: $2,662.86
Quarterly
Association Fee Includes: Clubhouse, Fitness Facility, Internet, Pest Control, Pool(s), Sewer, Trash, Water
Association Amenities: Beach Rights, Barbecue, Sauna, Spa/Hot Tub
Community Information
Community Features: Barbecue, Beach, Conference/Meeting Room, Elevator, Fitness Center, Pool, Sauna, Waterfront, Community Pool, Short Term Rental Allowed
Public facts
Beds: 2
Baths: 2.0
Sq. Ft.: 1,146
Stories: —
Lot Size: —
Style: Condo/Co-op
Year Built: 2008
Year Renovated: 2008
County: Bay County
APN: 40001250137
Home facts updated by county records on Sep 14, 2026
Minimal risk of a flood reaching the building in the next 30 years
3/10 Fire Factor
0.62% chance of being in a wildfire in next 30 years
10/10 Heat Factor
7 days above 105° expected this year, 20 days in 30 years
10/10 Wind Factor
99% chance of strong winds in next 30 years
2/10 Air Factor
1 unhealthy days expected this year, 1 days in 30 years
Provided by First Street
Historical weather
Panama City Beach, FL • 32413
Average low and high temperatures (°F)
59
43
65
52
71
57
77
63
80
71
86
76
88
79
87
77
85
74
80
65
73
59
64
48
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Sun exposure
93/ 100
Exceptional sunlight
Sunscore
This home ranks in the top 18% for direct sun exposure in Panama City Beach. There appears to be minimal shading by surrounding buildings, terrain, and vegetation.
8.3 hrs
6 hrs
JuneDecember
Provided by Shadowmap
Estimated sale price
$437,000 – $528,000
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