OFF MARKET

Off Market Sep 2019 for $1.1M

$2,021,197

•

3,388

sq ft

20650 Front Beach Rd, Panama City Beach, FL 32413

About this home

Major Price Reduction!!! Seller Motivated to get it moved before the season starts. New Beach House in desirable Laguna Beach area of West Panama City Beach right across the street from the Gulf with Unrestricted Gulf views from all three floors and Dedicated beach directly in front of house as well as beach walk over Fully furnished, 3388 square foot, 6 bedrooms and 6.5 baths with a private pool and plenty of outdoor area. Sleeps 20 and is on rental program with Holiday Beach Rentals. Income projections and history are available. This home was started in fall of 2016 and finished in 2017 and is in perfect condition ready for the upcoming summer season.

Single-familyProperty Type

2016Year Built

$597Est. Price/Sq.Ft.

6 spacesParking

Listed by Beach Time Realty, Inc Thomas • Beach Time Realty Inc

Bought with Non Member Agent (NABOR) • Non Member Office (NABOR)

Bought with Beach Time Realty, Inc Thomas • Beach Time Realty Inc

Redfin checked: a minute ago

•Source:ECAR #816507

Redfin Estimate

$2,021,197

$921K since sold in September 2019$4,000 since August

Recently sold homes
Estimate history
Homes for sale

This home's estimate is 86.3% higher than the average sale price ($1.08M) of 6 comparable homes.

SOLD AUG 31, 2026
$565,000
A
4 beds3 baths2,250 sq ft
314 Blue Sage Rd, Panama City Beach, FL 32413
SOLD JUL 22, 2026
$525,000
B
4 beds3 baths2,277 sq ft
106 Blue Sage Rd, Panama City Beach, FL 32413
SOLD DEC 1, 2025
$2,850,000
C
6 beds6.5 baths3,576 sq ft
20317 Front Beach Rd, Panama City Beach, FL 32413
SOLD JUN 26, 2026
$510,000
D
4 beds2.5 baths1,908 sq ft
204 Christmas Tree Ln, Panama City Beach, FL 32413
SOLD SEP 17, 2025
$785,000
E
4 beds4 baths2,324 sq ft
209 16th St, Panama City Beach, FL 32413
SOLD JUL 1, 2026
$1,275,000
F
5 beds4.5 baths3,137 sq ft
316 E Lakeshore Dr, Panama City Beach, FL 32413

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Earn from this home

Sell

$1,148,096

Est. take-home

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Rent

$4,648/mo

Redfin rental estimate

List your home for rent

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 13 MINS AGO
218 Biltmore Pl, Panama City Beach, FL 32413
$475,000
4 beds2 baths2,274 sq ft
218 Biltmore Pl, Panama City Beach, FL 32413
NEW 3 HRS AGO
$639,000
3 beds2.5 baths2,170 sq ft
9314 Paradise Dr, Panama City Beach, FL 32413
NEW 4 HRS AGO
$1,200,000
3 beds3 baths1,716 sq ft
15625 Front Beach Rd #1802, Panama City Beach, FL 32413
NEW 7 HRS AGO
$210,000
1 bed1 bath608 sq ft
17462 Front Beach Rd Unit 45-D, Panama City Beach, FL 32413
NEW 10 HRS AGO
$1,000,050
4 beds4.5 baths2,613 sq ft
112 Riviera Dr, Panama City Beach, FL 32413
NEW 26 HRS AGO
$529,000
2 beds3 baths1,131 sq ft
16819 Front Beach Rd Unit 314, Panama City Beach, FL 32413
NEW 30 HRS AGO
$795,000
3 beds3 baths1,796 sq ft
415 La Valencia Cir, Panama City Beach, FL 32413
NEW 31 HRS AGO
$424,900
2 beds2 baths1,308 sq ft
9320 Cool Breeze Dr, Panama City Beach, FL 32413
NEW 33 HRS AGO
$319,000
3 beds2.5 baths1,560 sq ft
109 Sand Oak Blvd #109, Panama City Beach, FL 32413
NEW 34 HRS AGO
$549,900
3 beds2 baths1,563 sq ft
15928 Front Beach Rd Unit 3-406, Panama City Beach, FL 32413
See all

Provided by Redfin

Sale history for 20650 Front Beach Rd

Date

Event

Price

NAMLS #816507

Sep 16, 2019

Sold

$1,100,000

$325/sq ft

Sep 16, 2019

Sold

$1,100,000

$325/sq ft

Feb 19, 2019

Listed

$1,275,000

$376/sq ft

Feb 19, 2019

Listed

$1,275,000

$376/sq ft

+36

CPARMLS #651940

Sep 12, 2019

Sold

$1,100,000

$325/sq ft

Oct 27, 2016

Listed

$1,295,000

$382/sq ft

+69

Just reduced by 100,000.00 Owner/developer said it is time to move it. New beach house with great gulf views. dedicated beach and beach access right across the street. Rental machine that sleeps 20 comes completely furnished and on rental program with Holiday Beach Rentals. Unit has private pool, outdoor kitchen and plenty of decks and outdoor entertainment area. Coastal Charm is the designer. Great established rental income that is approved by several banks for commercial financing and or residential financing.

Tax history for 20650 Front Beach Rd

*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
Zoning
Permits

Beds

Baths

Stories

Lot width

—

Lot depth

—

Lot size

5,401 Sq. Ft.

Year renovated

2017

Sq. Ft.

3,388

Year built

2017

Style

Single Family Residential

County

Bay County

APN

36721010000

Parking Spaces

—

Basement

—

Accessible

—

HOA Dues

—

Garage

—

Features

—

Last updated by owner on Sep 14, 2026.

C-2

Plaza Commercial Zone

C-2 uses should be located on a collector or arterial roadway or at intersections of collector and arterial roadways unless specifically included in an overall plan of development.

Permitted uses

Include but are not limited to:

Gas station
Convenience store
Day care facility
Laundromat
General retail
Restaurant
Housing-Single unit
Housing-Multiple units
Bed & breakfast
Office

Property details

Parking

Parking Information
Parking Features: Carport
Carport Spaces: 3.00
Driveway Spaces: 3.00

Interior

Bedroom Information
Bedrooms: 6
Bedroom: First, Second, Third
Master Bedroom: Third

Bathroom Information
Full Baths: 6
Half Baths: 1
Total Baths: 7.00
Full Bathroom: First, Second, Third
Half Bathroom: Second

Room Information
Rooms: Bedroom, Carport, Den, Dining Room, Full Bathroom, Great Room, Half Bathroom, Laundry, Master Bathroom, Master Bedroom

Room 1
Bedroom
Area: 168.00
Dimensions: 14 x 12
Dimensions: 12x14
Length: 14.00
Width: 12.00
Level: 1
Room Level: 1

Room 2
Den
Area: 120.00
Dimensions: 12 x 10
Dimensions: 10x12
Length: 12.00
Width: 10.00
Level: 1
Room Level: 1

Room 3
Carport
Area: 80.00
Dimensions: 10 x 8
Dimensions: 8x10
Length: 10.00
Width: 8.00
Level: 1
Room Level: 1

Room 4
Full Bathroom
Area: 675.00
Dimensions: 45 x 15
Dimensions: 15x45
Length: 45.00
Width: 15.00
Level: 1
Room Level: 1

Room 5
Dining Room
Area: 420.00
Dimensions: 28 x 15
Dimensions: 28x15
Length: 28.00
Width: 15.00
Level: 2
Room Level: 2
Remarks: Dining/Kitchen Combo

Room 6
Bedroom
Area: 180.00
Dimensions: 15 x 12
Dimensions: 15x12
Length: 15.00
Width: 12.00
Level: 2
Room Level: 2

Room 7
Full Bathroom
Area: 56.00
Dimensions: 8 x 7
Dimensions: 8x7
Length: 8.00
Width: 7.00
Level: 2
Room Level: 2

Room 8
Half Bathroom
Area: 30.00
Dimensions: 6 x 5
Dimensions: 5x6
Length: 6.00
Width: 5.00
Level: 2
Room Level: 2

Room 9
Great Room
Area: 360.00
Dimensions: 24 x 15
Dimensions: 15x24
Length: 24.00
Width: 15.00
Level: 2
Room Level: 2

Room 10
Laundry
Area: 56.00
Dimensions: 8 x 7
Dimensions: 7x8
Length: 8.00
Width: 7.00
Level: 2
Room Level: 2

Room 11
Bedroom
Area: 195.00
Dimensions: 15 x 13
Dimensions: 13x15
Length: 15.00
Width: 13.00
Level: 3
Room Level: 3

Room 12
Full Bathroom
Area: 88.00
Dimensions: 11 x 8
Dimensions: 11x8
Length: 11.00
Width: 8.00
Level: 3
Room Level: 3

Room 13
Bedroom
Area: 174.00
Dimensions: 15 x 11.6
Dimensions: 11.6x15
Length: 15.00
Width: 11.60
Level: 3
Room Level: 3

Room 14
Full Bathroom
Area: 56.00
Dimensions: 8 x 7
Dimensions: 8x7
Length: 8.00
Width: 7.00
Level: 3
Room Level: 3

Room 15
Bedroom
Area: 156.00
Dimensions: 13 x 12
Dimensions: 12x13
Length: 13.00
Width: 12.00
Level: 3
Room Level: 3

Room 16
Full Bathroom
Area: 80.00
Dimensions: 10 x 8
Dimensions: 10x8
Length: 10.00
Width: 8.00
Level: 3
Room Level: 3

Room 17
Master Bedroom
Area: 204.00
Dimensions: 17 x 12
Dimensions: 17x12
Length: 17.00
Width: 12.00
Level: 3
Room Level: 3

Room 18
Master Bathroom
Area: 88.00
Dimensions: 11 x 8
Dimensions: 11x8
Length: 11.00
Width: 8.00
Level: 3
Room Level: 3

Interior Features
Appliances: Dishwasher, Disposal, Dryer, Microwave, Oven Continue Clean, Range Hood, Refrigerator, Refrigerator W/IceMk, Smoke Detector, Stove/Oven Electric, Washer
Interior: Floor Tile, Furnished - All, Kitchen Island

Exterior

Exterior Features
Has Pool
Pool Type: Private
Exterior: Balcony, BBQ Pit/Grill, Fenced Back Yard, Pool - Gunite Concrt

Lot Information
Lot Dimensions: 79X57
Lot Features: Corner, Irregular, Within 1/2 Mile to Water
Lot/Parcel Access: County Road, Paved Road
Zoning: Residential Single Family

Building Information
Construction Status: Construction Complete
Construction/Siding: Roof Metal, Siding CmntFbrHrdBrd, Trim Aluminum

Financial

Lease Information
Existing Leases: Negotiable

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

Utilities

Utility Information
Utilities: Electric, Gas - Natural, Public Sewer, Public Water, TV Cable
Energy: AC - 2 or More, AC - Central Elect, AC - High Efficiency, Heat - Two or More, Heat Cntrl Electric, Insulated Doors, Water Heater - Gas, Water Heater - Tnkls

Location

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

Location Information
Sub Area: 2724 - Beach - West Central
Area: 27 - Bay County
Street #: 20650
Street Name: Front Beach
Street Suffix: Road
City: Panama City Beach
County: Bay
State: FL
Zip Code: 32413
Project Name/Subdivision: LAGUNA BEACH 5TH ADDN
Absolute Longitude: 85.940256
Longitude: -85.940256
Latitude: 30.246876
Directions: Travel East on Hwy 98 from Walton County to Bay County. Turn right onto Front Beach Road at first light, travel approximately 2 miles on Front Beach look for address of 20650, house on Left at corner of Front Beach and Twin Lakes Drive. There are three homes at the corner, this house is the East End unit.

Project Facilities
Pool

Public facts

Beds: 6
Baths: 7.0
Sq. Ft.: 3,388
Stories: 3.0
Lot Size: 5,401 square feet
Style: Single Family Residential
Year Built: 2017
Year Renovated: 2017
County: Bay County
APN: 36721010000

Home facts updated by county records on Sep 14, 2026

Other

Listing Price Information
List Price: 1275000.00
List Price/SqFt: 376.33

Property Information
Apx SqFt(Htd/Cooled): 3388.00
Design: Beach House
Sub-Type: Detached Single Family
Waterview: Gulf

Listing Information
As Is
Immediate Occupancy: Immediate Occupancy

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

3/10 Flood Factor

Estimated 8-12% 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

$1.92M – $2.33M

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NEW 30 HRS AGO

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NEW 31 HRS AGO

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Home values near 20650 Front Beach Rd

Data from public records.

Address	Redfin Estimate
20641 Front Beach Road Apartment B, Panama City Beach, FL 3 Beds \| 2.5 Baths \| 2250 Sq. Ft.	$1,594,612
20635 Front Beach Road Apartment C, Panama City Beach, FL 3 Beds \| 2 Baths \| 1810 Sq. Ft.	$1,056,697

Address	Redfin Estimate
20635 Front Beach Road Apartment A, Panama City Beach, FL 3 Beds \| 3 Baths \| 1760 Sq. Ft.	$1,080,020
20705 Front Beach Road Apartment B, Panama City Beach, FL 3 Beds \| 2 Baths \| 1940 Sq. Ft.	$1,036,583

Address	Redfin Estimate
20639 Front Beach Road, Panama City Beach, FL 4 Beds \| 2 Baths \| 1733 Sq. Ft.	$1,773,254
20641 Front Beach Road Apartment A, Panama City Beach, FL 3 Beds \| 2.5 Baths \| 2250 Sq. Ft.	$1,549,571

Property information provided by ECAR when last listed in 2019. This data may not match . Learn more.

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