OFF MARKET

Off Market Feb 2021 for $1.8M

$2,211,157

•

2,701

sq ft

20521 Front Beach Rd, Panama City Beach, FL 32413

About this home

Rare Custom built Beachfront House priced to sell quick! The best of the West end of Panama City Beach and is a Short Term Rental Goldmine! This spacious and stunning custom built beach home features both modern amenities and architectural character in a fantastic location. Everywhere you look, you'll find panoramic views of the water, multiple oversized balconies and endless summer days. 35 feet of privately owned beach sits at you fingertips and will have your family, friends and guests coming back year after year. This stunning 5 bedroom, 4 bath home boasts an open-style floor plan with a large kitchen and living space. The Gulf Front master bedroom is complete with a king bed, private bathroom, a sitting area with two couches, and private balcony access. Do NOT let this one slip by!

Single-familyProperty Type

2000Year Built

3,484 sq ftLot Size

$819Est. Price/Sq.Ft.

4 spacesParking

Listed by Kyle Hock • Realjoy Properties

Bought with Debbie Grist • Holiday Beach Real Estate Inc

Redfin checked: 2 minutes ago

•Source:ECAR #858816

Redfin Estimate

$2,211,157

$411K since sold in February 2021$177K since August

Recently sold homes
Estimate history
Homes for sale

This home's estimate is 223.4% higher than the average sale price ($684K) of 6 comparable homes.

SOLD DEC 23, 2025
$740,000
A
5 beds4 baths2,669 sq ft
129 12th St, Panama City Beach, FL 32413
SOLD JUN 26, 2026
$510,000
B
4 beds2.5 baths1,908 sq ft
204 Christmas Tree Ln, Panama City Beach, FL 32413
SOLD APR 30, 2026
$1,112,500
C
5 beds4.5 baths2,304 sq ft
318 Placido Pl, Panama City Beach, FL 32413
SOLD JUL 22, 2026
$525,000
D
4 beds3 baths2,277 sq ft
106 Blue Sage Rd, Panama City Beach, FL 32413
SOLD AUG 31, 2026
$565,000
E
4 beds3 baths2,250 sq ft
314 Blue Sage Rd, Panama City Beach, FL 32413
SOLD MAR 9, 2026
$650,000
F
4 beds4.5 baths2,809 sq ft
411 Paradise Blvd, Panama City Beach, FL 32413

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Earn from this home

Sell

$798,152

Est. take-home

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Rent

$4,190/mo

Redfin rental estimate

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Market trends in 32413, FL

Last updated August 2026

Buyer's Market

Seller's Market

Buyer's market

Sale-to-List Price

95.9%

0.0% MoM

Median sale price

$469K

$11K MoM

Avg. days on market

100d

0 days MoM

Recently sold homes

316

12 MoM

New listings for sale

NEW 37 MINS AGO
$589,000
5 beds3 baths2,253 sq ft
339 Blue Sage Rd, Panama City Beach, FL 32413
NEW 57 MINS AGO
$245,000
1 bed1 bath838 sq ft
15100 Front Beach Rd #627, Panama City Beach, FL 32413
NEW 1 HR AGO
$957,900
3 beds3 baths1,670 sq ft
16819 Front Beach Rd #3017, Panama City Beach, FL 32413
NEW 2 HRS AGO
$465,000
2 beds2 baths1,074 sq ft
17739 Front Beach Rd Unit 906W, Panama City Beach, FL 32413
NEW 3 HRS AGO
$424,900
3 beds2 baths1,344 sq ft
152 Manistee Dr, Panama City Beach, FL 32413
NEW 4 HRS AGO
$519,900
3 beds3 baths1,861 sq ft
258 San Vincente St, Panama City Beach, FL 32413
NEW 4 HRS AGO
$399,000
1 bed2 baths891 sq ft
17729 Front Beach Rd Unit 403E, Panama City Beach, FL 32413
NEW 5 HRS AGO
$1,100,000
4 beds3.5 baths1,992 sq ft
22704 Front Beach Rd, Panama City Beach, FL 32413
NEW 5 HRS AGO
$549,900
3 beds2 baths1,563 sq ft
15928 Front Beach Rd Unit 3-406, Panama City Beach, FL 32413
NEW 19 HRS AGO
$849,999
4 beds3 baths1,969 sq ft
319 Pinetree Dr, Panama City Beach, FL 32408
See all

Provided by Redfin

Sale history for 20521 Front Beach Rd

Date

Event

Price

CPARMLS #359755

Dec 14, 2021

Listing Removed

—

Nov 10, 2006

Listed

$2,299,000

$851/sq ft

CPARMLS #332175

Dec 9, 2021

Listing Removed

—

May 9, 2005

Listed

$2,999,500

$1,111/sq ft

CPARMLS #704476

Feb 25, 2021

Sold

$1,800,000

$666/sq ft

Nov 6, 2020

Listed

$1,890,000

$700/sq ft

ECAR #858816

Feb 25, 2021

Sold

$1,800,000

$666/sq ft

Feb 25, 2021

Sold

$1,800,000

$666/sq ft

Nov 6, 2020

Listed

$1,890,000

$700/sq ft

Nov 6, 2020

Listed

$1,890,000

$700/sq ft

Year

Property tax

Land + Additions

Assessment*

2025

$16,941 (+5.3%)

$913,500 + $461,273

$1,374,773

2024

$16,090 (+6.0%)

2023

$15,187 (+26.1%)

2022

$12,040 (+34.3%)

$593,775 + $443,743

$1,037,518

2021

$8,965 (+16.5%)

$481,110 + $263,065

$744,175

2020

$7,698 (+3.2%)

2019

$7,456 (+4.2%)

2018

$7,155 (+19.3%)

2017

$5,996 (+2.5%)

$252,735 + $219,865

$472,600

2016

$5,852

$225,330 + $227,485

$452,815

2015

$5,855 (+1.5%)

$213,150 + $227,485

$440,635

2014

$5,767

Tax history for 20521 Front Beach Rd

Year

Property tax

Land + Additions

Assessment*

2025

$16,941 (+5.3%)

$913,500 + $461,273

$1,374,773

2024

$16,090 (+6.0%)

2023

$15,187 (+26.1%)

2022

$12,040 (+34.3%)

$593,775 + $443,743

$1,037,518

2021

$8,965 (+16.5%)

$481,110 + $263,065

$744,175

2020

$7,698 (+3.2%)

2019

$7,456 (+4.2%)

2018

$7,155 (+19.3%)

2017

$5,996 (+2.5%)

$252,735 + $219,865

$472,600

2016

$5,852

$225,330 + $227,485

$452,815

2015

$5,855 (+1.5%)

$213,150 + $227,485

$440,635

2014

$5,767

*Taxable value of land and structures on it ("additions") is determined regularly by local assessors and does not affect market price.

Public record

Public record
Permits

Beds

Baths

Stories

Lot width

35 ft.

Lot depth

105 ft.

Lot size

3,659 Sq. Ft.

Year renovated

2015

Sq. Ft.

2,451

Year built

2000

Style

Single Family Residential

County

Bay County

APN

36660005000

Parking Spaces

—

Basement

—

Accessible

—

HOA Dues

—

Garage

—

Features

—

Last updated by owner on Sep 14, 2026.

Property details

Parking

Parking Information
No
Has Garage
Driveway Spaces: 4.00

Interior

Bedroom Information
Bedrooms: 5
Bedroom: First, Second
Master Bedroom: Second

Bathroom Information
Full Baths: 4
Total Baths: 4.00
Master Bedroom/Master Bath: MBath Double Vanity, MBath Separate Shwr, MBath Tile, MBath Walk-In Closet, MBed Balcony, MBed Waterfront

Room Information
Rooms: Bedroom, Dining Area, Kitchen, Living Room, Master Bedroom, Other
Kitchen: First
Living Room: First

Room 1
Master Bedroom
Area: 416.00
Dimensions: 26 x 16
Length: 26.00
Width: 16.00
Level: 2
Remarks: Gulf Front master bedroom w/ private balcony

Room 2
Bedroom
Area: 225.00
Dimensions: 15 x 15
Length: 15.00
Width: 15.00
Level: 1
Remarks: 1st floor bedroom

Room 3
Bedroom
Area: 148.50
Dimensions: 13.5 x 11
Length: 13.50
Width: 11.00
Level: 1
Remarks: 1st bedroom #2

Room 4
Bedroom
Area: 132.25
Dimensions: 11.5 x 11.5
Length: 11.50
Width: 11.50
Level: 2
Remarks: 2nd floor bedroom #3

Room 5
Bedroom
Area: 195.00
Dimensions: 15 x 13
Length: 15.00
Width: 13.00
Level: 2
Remarks: 2nd bedroom #4

Room 6
Living Room
Area: 234.00
Dimensions: 26 x 9
Length: 26.00
Width: 9.00
Level: 1
Remarks: gulf front living room

Room 7
Dining Area
Area: 130.00
Dimensions: 10 x 13
Length: 10.00
Width: 13.00
Level: 1
Remarks: gulf front dining

Room 8
Kitchen
Area: 110.00
Dimensions: 10 x 11
Length: 10.00
Width: 11.00
Level: 1
Remarks: gulf front kitchen

Room 9
Other
Area: 88.00
Dimensions: 8 x 11
Length: 8.00
Width: 11.00
Level: 1
Remarks: 1st floor wet bar area/lounge area

Interior Features
Appliances: Cooktop, Dishwasher, Disposal, Dryer, Freezer, Microwave, Oven Self Cleaning, Refrigerator, Refrigerator W/IceMk, Smoke Detector, Stove/Oven Electric
Interior: Ceiling Raised, Fireplace, Floor Hardwood, Furnished - All, Kitchen Island, Owner's Closet, Pantry, Washer/Dryer Hookup, Wet Bar, Window Treatmnt Some

Exterior

Exterior Features
Pool Type: None
Exterior: Balcony, Deck Covered, Deck Open, Hurricane Shutters, Patio Covered, Porch, Porch Open, Renovated

Lot Information
Acreage: 0.08
Lot Dimensions: 35x105
Waterfront: Gulf
Waterfront Feet: 35
Lot Features: Flood Insurance Req, Sidewalk, Within 1/2 Mile to Water
Lot/Parcel Access: State Highway
Zoning: City, Residential Single Family

Building Information
Construction Status: Construction Complete
Construction/Siding: Foundation On Piling, Roof Metal, Siding Vinyl

Financial

Tax Information
Last Tax Year: 2019
Last Taxes: 7456.00

Financial Information
Mortgage Type: None
Financing: Conventional
Brokerage Interest: No Interest

Utilities

Utility Information
Utilities: Electric, Public Water, TV Cable
Energy: AC - 2 or More, AC - Central Elect, AC - High Efficiency, Ceiling Fans, Heat Cntrl Electric, Water Heater - Elect

Location

School Information
Elementary School: Hutchinson Beach
Middle School: Surfside
High School: Arnold

Location Information
Sub Area: 2725 - Beach - West South
Area: 27 - Bay County
Street #: 20521
Street Name: Front Beach
Street Suffix: Road
City: Panama City Beach
County: Bay
State: FL
Zip Code: 32413
Project Name/Subdivision: LAGUNA BEACH 2ND ADDN
Absolute Longitude: 85.938407
Longitude: -85.938407
Latitude: 30.245565
Directions: West on Front Beach Rd. from Hwy. 79 approx 3 miles.

Project Facilities
Beach, Waterfront

Public facts

Beds: 5
Baths: 4.0
Sq. Ft.: 2,451
Stories: 2.0
Lot Size: 3,659 square feet
Style: Single Family Residential
Year Built: 2000
Year Renovated: 2015
County: Bay County
APN: 36660005000

Home facts updated by county records on Sep 14, 2026

Other

Listing Price Information
List Price: 1890000.00
List Price/SqFt: 699.74

Property Information
Apx SqFt(Htd/Cooled): 2701.00
Design: Beach House
Sub-Type: Detached Single Family
Waterview: Gulf

Listing Information
As Is

Around this home

Schools

West Bay Elementary School

Public PreK-5 • Assigned • 5.6mi

6/10

Surfside Middle School

Public PreK-12 • Assigned • 5.7mi

7/10

Provided by GreatSchools

Lifestyle

Provided by Walk Score and Local Logic

Climate risks

4/10 Flood Factor

Estimated 18-28% chance of a flood reaching the building in the next 30 years

3/10 Fire Factor

0.46% chance of being in a wildfire in next 30 years

10/10 Heat Factor

7 days above 105° expected this year, 21 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)

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Sun exposure

In this area, properties receive around 9.5 hours in June and 5.6 hours in December, placing it above the U.S. average for solar exposure.

9.5 hrs

5.6 hrs

JuneDecember

Provided by Shadowmap

Estimated sale price

$2.10M – $2.54M

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Home values near 20521 Front Beach Rd

Data from public records.

Address	Redfin Estimate
20604 Front Beach Road, Panama City Beach, FL 4 Beds \| 2 Baths \| 1341 Sq. Ft.	—
20507 Front Beach Road, Panama City Beach, FL 4 Beds \| 3 Baths \| 2466 Sq. Ft.	$2,324,811

Address	Redfin Estimate
20508 Front Beach Road, Panama City Beach, FL 3 Beds \| 3.5 Baths \| 1858 Sq. Ft.	$1,282,198
20505 Front Beach Road, Panama City Beach, FL 6 Beds \| 4.5 Baths \| 3805 Sq. Ft.	$3,566,805

Address	Redfin Estimate
20610 Front Beach Road, Panama City Beach, FL 4 Beds \| 2 Baths \| 2194 Sq. Ft.	$816,083
20512 Front Beach Road, Panama City Beach, FL 3 Beds \| 3 Baths \| 1708 Sq. Ft.	$1,219,155

Property information provided by ECAR when last listed in 2020. This data may not match . Learn more.

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