OFF MARKET

Off Market Sep 2019 for $1.1M

$2,043,449

Est. refi paymentEst. refi $7,644/mo

•

3,388

sq ft

20654 Front Beach Rd, Panama City Beach, FL 32413

About this home

Major price reduction, Seller motivated to get it moved before the rental season starts. New Construction and ready to go right across the street from the Gulf with Great views, Coastal Charm was the Decorator and the unit is complete with rental package and on rental. 6 bedrooms, 1 bunk 6 baths, 1- 1/2 bath. 3650 square foot with a fantastic outdoor area with private pool and outdoor cooking area. dedicated beach and public beach access rigth across the street.

Single-familyProperty Type

2016Year Built

$603Est. 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: 3 minutes ago

•Source:ECAR #816523

Redfin Estimate

$2,043,449

$943K since sold in September 2019$2,000 since August

Recently sold homes
Estimate history
Homes for sale

This home's estimate is 145% higher than the average sale price ($834K) 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 JUL 1, 2026
$1,275,000
C
5 beds4.5 baths3,137 sq ft
316 E Lakeshore Dr, Panama City Beach, FL 32413
SOLD AUG 31, 2026
$425,000
D
3 beds2 baths1,604 sq ft
220 Laurel Oak Ln, Panama City Beach, FL 32413
SOLD JUN 23, 2026
$685,000
E
3 beds2 baths1,634 sq ft
330 Palm Dr, Panama City Beach, FL 32413
SOLD JUN 3, 2026
$1,530,000
F
4 beds4 baths2,758 sq ft
241 La Valencia Cir, Panama City Beach, FL 32413

Claim this home to receive a free report every month with insights on the changing estimate.

Earn from this home

Sell

$1,169,070

Est. take-home

List your home with Redfin and save $20,434

Refinance

Est. cash available

Get cash now or lower your monthly rate

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 20654 Front Beach Rd

Date

Event

Price

NAMLS #816523

Sep 16, 2019

Sold

$1,100,000

$325/sq ft

Sep 16, 2019

Sold

$1,100,000

$325/sq ft

Feb 19, 2019

Listed

$1,295,000

$382/sq ft

Feb 19, 2019

Listed

$1,295,000

$382/sq ft

+34

CPARMLS #652972

Sep 12, 2019

Sold

$1,100,000

$325/sq ft

Nov 3, 2016

Listed

$1,275,000

$376/sq ft

+66

Just dropped listing price by 100,000.00 Owner is ready to move it. Great New Beach house. Coastal Charm was the Decorator and the unit is complete with rental package and on rental with established income. 6 bedrooms, 6 1/2 baths, 3385 square foot with a fantastic outdoor area with private pool and outdoor cooking area. Dedicated beach and public beach access rigth across the street. Great established income. Approved for commercial financing as well as residential, Several banks have preapproved the property. Great investment with great growth potential.

Tax history for 20654 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

61 ft.

Lot depth

113 ft.

Lot size

6,882 Sq. Ft.

Year renovated

2017

Sq. Ft.

3,388

Year built

2017

Style

Single Family Residential

County

Bay County

APN

36721030000

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

Lot Information
Lot Dimensions: 47x84
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 #: 20654
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: 85.940308
Longitude: -85.940308
Latitude: 30.247125
Directions: West to Bay County on 98, turn right at light onto Front Beach Road. Follow Front Beach to 20654, corner of Front Beach and Twin Lakes, house is on the corner.

Project Facilities
Pool

Public facts

Beds: 6
Baths: 7.0
Sq. Ft.: 3,388
Stories: 3.0
Lot Size: 6,882 square feet
Style: Single Family Residential
Year Built: 2017
Year Renovated: 2017
County: Bay County
APN: 36721030000

Home facts updated by county records on Sep 14, 2026

Other

Listing Price Information
List Price: 1295000.00
List Price/SqFt: 382.23

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 10-16% 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

$1.94M – $2.35M

Reach more buyers when you sell with Redfin. Save up to $20,434 in fees. 3 minutes to get started.

Get a free, detailed breakdown of how we calculated your estimate.

Nearby similar homes

OPEN SAT, 11AM TO 2PM

$1,858,000

4 beds3.5 baths3,085 sq ft

55 Grande Pointe Dr, Inlet Beach, FL 32461

$299,000

2 beds2.5 baths948 sq ft

17214 Front Beach Rd #18, Panama City Beach, FL 32413

FOR SALE BY OWNER

$399,000

3 beds2 baths— sq ft

112A Christopher Dr, Panama City Beach, FL 32413

$645,500

3 beds2.5 baths1,563 sq ft

77 Grayling Way, Inlet Beach, FL 32461

$1,200,000

2 beds1.5 baths884 sq ft

21802 Front Beach Rd, Panama City Beach, FL 32413

$549,000

3 beds2 baths1,741 sq ft

609 Light Cast Way Lot 270, Panama City Beach, FL 32413

New listings for sale in 32413

NEW 13 MINS AGO

$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

Home values near 20654 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
20641 Front Beach Road Apartment A, Panama City Beach, FL 3 Beds \| 2.5 Baths \| 2250 Sq. Ft.	$1,549,571

Address	Redfin Estimate
20639 Front Beach Road, Panama City Beach, FL 4 Beds \| 2 Baths \| 1733 Sq. Ft.	$1,773,254
20707 Front Beach Road, Panama City Beach, FL 4 Beds \| 4 Baths \| 2095 Sq. Ft.	$1,650,513

Address	Redfin Estimate
20705 Front Beach Road Apartment B, Panama City Beach, FL 3 Beds \| 2 Baths \| 1940 Sq. Ft.	$1,036,583
20703 Front Beach Road Apartment A, Panama City Beach, FL 3 Beds \| 3 Baths \| 1940 Sq. Ft.	$1,006,631

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

More real estate resources

Neighborhoods
Zip Codes
Cities
Popular Searches

Laguna Beach Estates homes for sale

Download the Redfin App on the Apple App Store

Download the Redfin App from the Google Play Store

Join us

Become an Agent

Get referrals

Careers

Find homes faster

About us

Find us

Subsidiaries

Affiliated Business

Countries

United States

Canada

Updated September 2025: By searching, you agree to the Terms of Use, and Privacy Policy.

Do not sell or share my personal information.

REDFIN and all REDFIN variants, WALK SCORE, and the R logos, are trademarks of Redfin Corporation, registered or pending in the USPTO.

California DRE #01521930

Redfin is licensed to do business in New York as Redfin Real Estate. NY Standard Operating Procedures

New Mexico Real Estate Licenses

TREC: Info About Brokerage Services, Consumer Protection Notice

All mortgage lending products and information are provided by Rocket Mortgage, LLC | NMLS #3030; www.NMLSConsumerAccess.org. Licensed in 50 states. This site is not authorized by the New York State Department of Financial Services for mortgage solicitation or loan applications activities related to properties located in the State of New York.

Redfin Corporation is an affiliated business of Rocket Limited Partnership. Each company, and their subsidiaries, are separate legal entities operated and managed through its own management and governance structures.

If you are using a screen reader, or having trouble reading this website, please call Redfin Customer Support for help at 1-844-759-7732.

REDFIN IS COMMITTED TO AND ABIDES BY THE FAIR HOUSING ACT AND EQUAL OPPORTUNITY ACT. READ REDFIN'S FAIR HOUSING POLICY AND THE NEW YORK STATE FAIR HOUSING NOTICE.

GreatSchools Ratings provided by GreatSchools.org.

Houses for rent in Laguna Beach	Agents near me	Sarasota, FL homes for sale	Laguna Beach Housing Market
Houses for sale near me	Orlando, FL homes for sale	Fort Lauderdale, FL homes for sale
Land for sale near me	Tampa, FL homes for sale	Boca Raton, FL homes for sale
Open Houses near me	Miami, FL homes for sale	Laguna Beach Property Records
Condos for sale near me	Jacksonville, FL homes for sale	FL New Listings

Panama City Beach homes for sale
Panama City homes for sale
Freeport homes for sale