OFF MARKET

Off market jul 2017 for $555K

$966,432

Est. refi paymentEst. refi $3,738/mo

•

1,620

sq ft

20643 Front Beach Rd, Panama City Beach, FL 32413

About this home

Don't miss out on this great townhome located on the west end of Panama City Beach, Florida with NO HOA FEES! This 3 BR + bunk room property was just updated last year and will make a great rental investment or second home. Offered fully furnished this property is turn-key for the next owner and also offers an exterior storage unit and plenty of closet and storage space inside. Beach front properties with no HOA dues are very hard to come by, so don't let this one slip away! With only 3 properties in the development you can be sure to enjoy a very private beach setting just off your back deck with only a few steps to the Gulf of Mexico. The west end of PCB is a thriving area with convenient access to everything from Pier Park to the International Airport (ECP) to the 30A, Destin areas.

TownhomeProperty Type

1983Year Built

$597Est. Price/Sq.Ft.

Listed by Lauren Cottrell • Scenic Sotheby's International Realty

Bought with Mark Vickers • Beachy Beach Real Estate

Redfin checked: a few seconds ago

•Source:ECAR #760967

Redfin Estimate

$966,432

$411K since sold in July 2017$45K since September

Recently sold homes
Estimate history
Homes for sale

This home's estimate is 114.1% higher than the average sale price ($451K) of 6 comparable homes.

SOLD JUN 17, 2026
$316,000
A
3 beds2.5 baths1,608 sq ft
329 Sand Oak Blvd, Panama City Beach, FL 32413
SOLD JUN 29, 2026
$725,000
B
3 beds3 baths1,722 sq ft
425 La Valencia Cir, Panama City Beach, FL 32413
SOLD APR 14, 2026
$295,000
C
3 beds2.5 baths1,560 sq ft
203 Sand Oak Blvd, Panama City Beach, FL 32413
SOLD SEP 21, 2026
$575,000
D
3 beds2 baths1,295 sq ft
21309 Caribbean Ln, Panama City Beach, FL 32413
SOLD FEB 13, 2026
$314,000
E
3 beds2.5 baths1,560 sq ft
221 Sand Oak Blvd, Panama City Beach, FL 32413
SOLD SEP 11, 2026
$482,800
F
3 beds2 baths1,456 sq ft
21721 Palm Ave, Panama City Beach, FL 32413

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Sell

$550,874

Est. take-home

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Refinance

Est. cash available

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Rent

$3,664/mo

Redfin rental estimate

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Market trends in 32413, FL

Last updated September 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 1 HR AGO
$840,000
2 beds2 baths1,255 sq ft
17826 Front Beach Rd, Panama City Beach, FL 32413
NEW 7 HRS AGO
$725,000
4 beds2 baths2,540 sq ft
7605 Shady Glen Trl, Panama City Beach, FL 32413
NEW 12 HRS AGO
$509,900
2 beds2 baths1,249 sq ft
14825 Front Beach Rd Unit 2408, Panama City Beach, FL 32413
NEW 14 HRS AGO
$565,000
3 beds3 baths2,140 sq ft
200 Turtle Cv, Panama City Beach, FL 32413
NEW 25 HRS AGO
$520,000
2 beds2 baths1,242 sq ft
14825 Front Beach Rd #2102, Panama City Beach, FL 32413
NEW 26 HRS AGO
$1,450,000
5 beds4 baths2,904 sq ft
203 George C Wallace Blvd, Panama City Beach, FL 32413
NEW 30 HRS AGO
$568,900
2 beds2 baths1,787 sq ft
9405 Daydream Dr, P C BEACH, FL 32413
NEW 35 HRS AGO
$824,999
3 beds3.5 baths1,368 sq ft
16328 Front Beach Rd #20, Panama City Beach, FL 32413
OPEN THU, 10AM TO 2PM
$499,000
3 beds2 baths1,738 sq ft
634 Millbridge Dr, Panama City Beach, FL 32413
NEW 35 HRS AGO
$649,000
4 beds3 baths2,107 sq ft
118 E Lakeshore Dr, Panama City, FL 32413
See all

Provided by Redfin

Sale history for 20643 Front Beach Rd

Date

Event

Price

CPARMLS #608828

Dec 9, 2021

Listing Removed

—

May 1, 2013

Listed

$449,000

$277/sq ft

CPARMLS #331913

Dec 9, 2021

Listing Removed

—

Apr 30, 2005

Listed

$1,395,000

$861/sq ft

CPARMLS #178612

Dec 14, 2021

Listing Removed

—

Nov 5, 1998

Listed

$295,000

$182/sq ft

CPARMLS #650617

Jul 28, 2017

Sold

$555,000

$343/sq ft

Sep 16, 2016

Listed

$599,900

$370/sq ft

ECAR #760967

Jul 28, 2017

Sold

$555,000

$343/sq ft

Sep 16, 2016

Listed

$599,900

$370/sq ft

CPARMLS #624072

Apr 28, 2015

Sold

$417,000

$257/sq ft

Sep 9, 2014

Listed

$439,900

$272/sq ft

CPARMLS #311330

Oct 9, 2003

Sold

$435,000

$269/sq ft

Jun 26, 2003

Listed

$499,000

$308/sq ft

Public Records

Feb 1, 1997

Sold

$190,000

$117/sq ft

Public Records

Dec 1, 1983

Sold

$109,500

$68/sq ft

Year

Property tax

Land + Additions

Assessment*

2025

$8,654 (+3.8%)

$417,600 + $283,033

$700,633

2024

$8,340 (+5.6%)

2023

$7,894 (+24.9%)

2022

$6,323 (+7.4%)

$271,440 + $271,786

$543,226

2021

$5,889 (+3.9%)

$219,936 + $267,748

$487,684

2020

$5,668 (−5.6%)

$192,096 + $270,545

$462,641

2019

$6,005 (+4.9%)

$167,040 + $317,075

$484,115

2018

$5,724 (+29.8%)

$132,671 + $321,418

$454,089

2017

$4,409 (+1.1%)

$115,536 + $231,172

$346,708

2016

$4,362 (+42.7%)

$103,008 + $233,748

$336,756

2015

$3,057 (+1.3%)

$91,350 + $137,271

$228,621

2014

$3,019

Tax history for 20643 Front Beach Rd

Year

Property tax

Land + Additions

Assessment*

2025

$8,654 (+3.8%)

$417,600 + $283,033

$700,633

2024

$8,340 (+5.6%)

2023

$7,894 (+24.9%)

2022

$6,323 (+7.4%)

$271,440 + $271,786

$543,226

2021

$5,889 (+3.9%)

$219,936 + $267,748

$487,684

2020

$5,668 (−5.6%)

$192,096 + $270,545

$462,641

2019

$6,005 (+4.9%)

$167,040 + $317,075

$484,115

2018

$5,724 (+29.8%)

$132,671 + $321,418

$454,089

2017

$4,409 (+1.1%)

$115,536 + $231,172

$346,708

2016

$4,362 (+42.7%)

$103,008 + $233,748

$336,756

2015

$3,057 (+1.3%)

$91,350 + $137,271

$228,621

2014

$3,019

*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

16 ft.

Lot depth

105 ft.

Lot size

1,655 Sq. Ft.

Year renovated

2013

Sq. Ft.

1,620

Year built

1983

Style

Townhouse

County

Bay County

APN

36573010000

Parking Spaces

—

Basement

—

Accessible

—

HOA Dues

—

Garage

—

Features

—

Last updated by owner on Sep 14, 2026.

Property details

Parking

Parking Information
Parking Features: Guest

Interior

Bedroom Information
Bedrooms: 3
Bedroom: First, Second
Master Bedroom: Second

Bathroom Information
Full Baths: 3
Half Baths: 0
Total Baths: 3.00

Room Information
Rooms: Bedroom, Dining Room, Kitchen, Master Bedroom
Kitchen: First

Room 1
Bedroom
Area: 221.00
Dimensions: 17 x 13
Dimensions: 13x17
Length: 17.00
Width: 13.00
Level: 1
Room Level: 1

Room 2
Dining Room
Area: 252.00
Dimensions: 18 x 14
Dimensions: 18x14
Length: 18.00
Width: 14.00
Level: 1
Room Level: 1
Remarks: Dining/Living Combo

Room 3
Kitchen
Area: 84.80
Dimensions: 10.6 x 8
Dimensions: 10.6x8
Length: 10.60
Width: 8.00
Level: 1
Room Level: 1

Room 4
Master Bedroom
Area: 192.00
Dimensions: 16 x 12
Dimensions: 16x12
Length: 16.00
Width: 12.00
Level: 2
Room Level: 2

Room 5
Bedroom
Area: 132.00
Dimensions: 12 x 11
Dimensions: 12x11
Length: 12.00
Width: 11.00
Level: 2
Room Level: 2

Interior Features
Appliances: Dryer, Microwave, Refrigerator W/IceMk, Stove/Oven Electric, Washer
Interior: Breakfast Bar, Furnished - All, Renovated, Window Treatment All

Exterior

Exterior Features
Pool Type: None
Exterior: Balcony, Deck Open

Lot Information
Waterfront: Gulf
Waterfront Feet: 16
Lot Features: Within 1/2 Mile to Water
Zoning: Residential Multi-Family

Building Information
Construction Status: Construction Complete
Construction/Siding: Trim Wood

Financial

Tax Information
Last Tax Year: 2015
Last Taxes: 3057.29

Lease Information
Existing Leases: Daily/Weekly

Financial Information
Mortgage Type: Conventional
Brokerage Interest: No Interest

Utilities

Utility Information
Utilities: Electric, Public Sewer, Public Water, TV Cable
Energy: AC - Central Elect, 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 #: 20643
Street Name: Front Beach
Street Suffix: Road
City: Panama City Beach
County: Bay
State: FL
Zip Code: 32413
Project Name/Subdivision: FLETCHERS BEACH
Absolute Longitude: 85.940361
Longitude: -85.940361
Latitude: 30.246441
Directions: Head south on Twin Lakes Dr. Turn left (east) onto Front Beach Rd. and the townhome will be on your right.

Project Facilities
Beach

Public facts

Beds: 4
Baths: 3.0
Sq. Ft.: 1,620
Stories: 2.0
Lot Size: 1,655 square feet
Style: Townhouse
Year Built: 1983
Year Renovated: 2013
County: Bay County
APN: 36573010000

Home facts updated by county records on Sep 14, 2026

Other

Listing Price Information
List Price: 599900.00
List Price/SqFt: 370.31

Property Information
Apx SqFt(Htd/Cooled): 1620.00
Design: Townhome
Sub-Type: Attached Single Unit
Waterview: Gulf

Around this home

Schools

West Bay Elementary School

Public PreK-5 • Assigned • 5.7mi

6/10

Surfside Middle School

Public PreK-12 • Assigned • 5.9mi

7/10

Provided by GreatSchools

Lifestyle

Provided by Walk Score and Local Logic

Climate risks

4/10 Flood Factor

Estimated 16-24% chance 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, 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

$919,000 – $1.11M

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New listings for sale in 32413

NEW 1 HR AGO

$840,000

2 beds2 baths1,255 sq ft

17826 Front Beach Rd, Panama City Beach, FL 32413

NEW 7 HRS AGO

$725,000

4 beds2 baths2,540 sq ft

7605 Shady Glen Trl, Panama City Beach, FL 32413

NEW 12 HRS AGO

$509,900

2 beds2 baths1,249 sq ft

14825 Front Beach Rd Unit 2408, Panama City Beach, FL 32413

NEW 14 HRS AGO

$565,000

3 beds3 baths2,140 sq ft

200 Turtle Cv, Panama City Beach, FL 32413

NEW 25 HRS AGO

$520,000

2 beds2 baths1,242 sq ft

14825 Front Beach Rd #2102, Panama City Beach, FL 32413

NEW 26 HRS AGO

$1,450,000

5 beds4 baths2,904 sq ft

203 George C Wallace Blvd, Panama City Beach, FL 32413

NEW 30 HRS AGO

$568,900

2 beds2 baths1,787 sq ft

9405 Daydream Dr, P C BEACH, FL 32413

NEW 35 HRS AGO

$824,999

3 beds3.5 baths1,368 sq ft

16328 Front Beach Rd #20, Panama City Beach, FL 32413

OPEN THU, 10AM TO 2PM3D WALKTHROUGH

$499,000

3 beds2 baths1,738 sq ft

634 Millbridge Dr, Panama City Beach, FL 32413

Home values near 20643 Front Beach Rd

Data from public records.

Address	Redfin Estimate
20627 Front Beach Road, Panama City Beach, FL 4 Beds \| 3 Baths \| 2601 Sq. Ft.	$1,754,216
20711 Front Beach Road Apartment 1, Panama City Beach, FL 2 Beds \| 2 Baths \| 1000 Sq. Ft.	$417,822

Address	Redfin Estimate
20641 Front Beach Road Apartment B, Panama City Beach, FL 3 Beds \| 2.5 Baths \| 2250 Sq. Ft.	$1,643,153
20639 Front Beach Road, Panama City Beach, FL 4 Beds \| 2 Baths \| 1733 Sq. Ft.	$1,786,887

Address	Redfin Estimate
20635 Front Beach Road Apartment A, Panama City Beach, FL 3 Beds \| 3 Baths \| 1760 Sq. Ft.	$1,082,462
20635 Front Beach Road Apartment C, Panama City Beach, FL 3 Beds \| 2 Baths \| 1810 Sq. Ft.	$1,069,616

Property information provided by ECAR when last listed in 2016. This data may not match . Learn more.

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