Exceptional investment opportunity! Located at the popular West end of Panama City Beach, this home is directly across the street from the private Santa Monica Beach access. It is perfectly positioned on an elevated, fenced, corner site to capture unobstructed, , panoramic views of the Gulf. There is impressive outdoor living space that is perfect for wedding venues or family yard games with plenty of room to add a two car garage with carriage house. A large gas-heated pool is surrounded by flickering lanterns, plenty of decking, an outside bar and covered dining and grilling area. This Coastal contemporary masterpiece spans over 3,500 sq. ft. and sleeps 19! It was built from the ground up in 2015. The open floor plan accentuates this property's generous proportions and thoughtful design. As you enter the home you will be wowed by the raised ceiling and spaciousness of the main living/dining area. It is light and open with plenty of seating area, custom built entertainment center, and a wall of tall French glass doors showcasing the stunning Gulf views. All five oversized bedrooms with 4 1/2 baths are on the first level. The bunk room with 6 bunks measures 21' 10' x 10' 9.6"! The open kitchen features tall cabinets, quartz countertops, a 14' island bar, upgraded Stainless Steel appliances including a gas range, NG stove, and Samsung Hub Wi FI Refrigerator. The 2nd level loft area offers guests conversation and entertainment areas, a full bath and access to a large covered balcony for incredible sunsets and uncompromising Gulf and Western oriented views. This prime location provides a quiet, and relaxing beach lifestyle while being just a short drive away from Scenic Hwy 30A with award winning restaurants, art galleries, entertainment and 20 miles of biking and jogging trails. In addition, Pier Park is five minutes away with hundreds of shops, dining, movie theater and entertainment. This home is being sold 'rental ready' with a history of strong rental income.
Single-familyProperty Type
2015Year Built
0.3 acresLot Size
$781Est. Price/Sq.Ft.
9 spacesParking
Listed by Mary Stephens Team• Vacasa Real Estate - Seagrove Beach
Listed by Cali Wilson• Vacasa Real Estate - Seagrove Beach
Bought with Shelby Rochester• The Premier Property Group Watercolor Office
Exceptional investment opportunity! Located at the popular West end of Panama City Beach, this home is directly across the street from the private Santa Monica Beach access. It is perfectly positioned on an elevated, fenced, corner site to capture unobstructed, , panoramic views of the Gulf. There is impressive outdoor living space that is perfect for wedding venues or family yard games with plenty of room to add a two car garage with carriage house. A large gas-heated pool is surrounded by flickering lanterns, plenty of decking, an outside bar and covered dining and grilling area. This Coastal contemporary masterpiece spans over 3,500 sq. ft. and sleeps 19!
CPARMLS #694590
Aug 11, 2021
Sold
$1,950,000
$554/sq ft
Feb 25, 2020
Listed
$2,000,000
$568/sq ft
+46
Exceptional investment opportunity! Located at the popular West end of Panama City Beach, this home is directly across the street from the private Santa Monica Beach and access. It is perfectly positioned on an elevated, fenced, corner site to capture unobstructed, breathtaking, panoramic views of the Gulf. There is impressive outdoor living space with a large lawn that is perfect for wedding venues or family yard games, a large gas-heated pool surrounded by flickering lanterns, plenty of decking, two courtyards, a large covered porch, an outside bar, covered dining and grilling area. The lot measures 127' in the front with room for a garage with carriage house, if desired. This Coastal Contemporary masterpiece spans over 3400 sq. ft. and sleeps 19! It was built from the ground up in 2015. The open floor plan accentuates this property's generous proportions and thoughtful design. As you enter the home you will be wowed by the raised ceiling and spaciousness of the main living/dining area. It is light and open with plenty of seating area, custom built entertainment center, and a wall of tall French glass doors showcasing the stunning Gulf views. All five over sized bedrooms and 4 1/2 baths are on the first level. The bunk room with 6 bunks measures 21' 10' x 10' 9.6"! The open kitchen features tall cabinets, quartz counter tops, a 14' island bar, upgraded Stainless Steel appliances including a gas range, NG stove, and Samsung Hub WiFI Refrigerator. The 2nd level loft area offers guests conversation and entertainment areas, a full bath and access to a large covered balcony for incredible sunsets and uncompromising Gulf and Western oriented views. This prime location provides a quiet, and relaxing beach lifestyle while being just a short drive away from Scenic Hwy 30A with award winning restaurants, art galleries, entertainment and 20 miles of biking and jogging trails. In addition, Pier Park is five minutes away with hundreds of shops, dining, movie theater and entertainment. This is an ideal rental retreat located on one of the largest sites on Front Beach Rd. It is currently on a short-term rental program. With the private beach just a short stroll from the front door, plenty of parking and room for 19 guests, this is an investment opportunity you won't want to miss!
CPARMLS #648002
Apr 9, 2018
Sold
$1,290,000
$366/sq ft
Jun 22, 2016
Listed
$1,389,900
$395/sq ft
NAMLS #769575
Dec 30, 2017
Listing Removed
—
Feb 18, 2017
Listed
$1,519,000
$431/sq ft
Feb 18, 2017
Listed
$1,519,000
$431/sq ft
CPARMLS #632239
May 19, 2015
Sold
$520,000
$148/sq ft
Apr 25, 2015
Listed
$579,000
$164/sq ft
CPARMLS #629571
Mar 20, 2015
Sold
$475,000
$135/sq ft
Mar 9, 2015
Listed
$499,999
$142/sq ft
Year
Property tax
Land + Additions
Assessment*
2025
$24,035 (+3.0%)
2024
$23,340 (−3.0%)
$1,431,662 + $503,544
$1,935,206
2023
$24,070 (+24.6%)
$1,411,804 + $510,172
$1,921,976
2022
$19,323 (+32.7%)
$694,980 + $972,200
$1,667,180
2021
$14,559 (+10.5%)
2020
$13,176 (+0.8%)
$509,028 + $570,787
$1,079,815
2019
$13,072 (+12.7%)
$482,654 + $575,122
$1,057,776
2018
$11,602 (+9.0%)
$446,658 + $477,015
$923,673
2017
$10,643 (+86.3%)
$364,329 + $477,015
$841,344
2016
$5,713 (+279.9%)
$356,934 + $84,990
$441,924
2015
$1,504 (+8.3%)
2014
$1,389
Tax history for 20804 Front Beach Rd
Year
Property tax
Land + Additions
Assessment*
2025
$24,035 (+3.0%)
2024
$23,340 (−3.0%)
$1,431,662 + $503,544
$1,935,206
2023
$24,070 (+24.6%)
$1,411,804 + $510,172
$1,921,976
2022
$19,323 (+32.7%)
$694,980 + $972,200
$1,667,180
2021
$14,559 (+10.5%)
2020
$13,176 (+0.8%)
$509,028 + $570,787
$1,079,815
2019
$13,072 (+12.7%)
$482,654 + $575,122
$1,057,776
2018
$11,602 (+9.0%)
$446,658 + $477,015
$923,673
2017
$10,643 (+86.3%)
$364,329 + $477,015
$841,344
2016
$5,713 (+279.9%)
$356,934 + $84,990
$441,924
2015
$1,504 (+8.3%)
2014
$1,389
*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
5
Baths
7
Stories
2
Lot width
70 ft.
Lot depth
128 ft.
Lot size
8,930 Sq. Ft.
Year renovated
2016
Sq. Ft.
3,522
Year built
2016
Style
Single Family Residential
County
Bay County
APN
37193000000
Parking Spaces
—
Basement
—
Accessible
—
HOA Dues
—
Garage
—
Features
—
Last updated by owner on Sep 14, 2026.
Jul 5, 2016 • Final
Swimming pool
Pool and hot tub
Jul 1, 2016 • Final
Addition
Addition
Permit history is from public records and may be incomplete or inaccurate. Redfin and its agents make no representations about the property condition or permit status. Buyers should independently verify all information.
Interior: Breakfast Bar, Ceiling Crwn Molding, Ceiling Raised, Furnished - All, Kitchen Island, Lighting Recessed, Owner's Closet, Pantry, Washer/Dryer Hookup, Window Treatment All, Woodwork Painted
Exterior
Exterior Features
Has Pool
Pool Type: Private
Exterior: Columns, Deck Open, Fenced Lot-All, Patio Covered, Patio Open, Pavillion/Gazebo, Pool - Gunite Concrt, Pool - Heated, Pool - In-Ground, Porch, Sprinkler System
Lot Information
Acreage: 0.30
Lot Dimensions: 127'F x 121W x 115 R x 156E
Lot Features: Corner, Covenants, Easements, Level, Restrictions, Survey Available, Within 1/2 Mile to Water
Lot/Parcel Access: City Road, Paved Road
Zoning: Residential Single Family
Building Information
Construction Status: Construction Complete
Construction/Siding: Block, Foundation Off Grade, Roof Metal, Stucco, Trim Aluminum
Financial
Tax Information
Last Tax Year: 2020
Last Taxes: 12649.00
Financial Information
Mortgage Type: Conventional
Brokerage Interest: No Interest
Utilities
Utility Information
Utilities: Electric, Gas - Natural, Lift Station, Public Sewer, Public Water, Tap Fee Paid, TV Cable
Energy: AC - 2 or More, AC - Central Elect, Ceiling Fans, Double Pane Windows, Heat High Efficiency, Water Heater - Gas, Water Heater - Tnkls, Water Heater - Two +
Location
Assessment Information
Assessment Amount: 0.00
School Information
Elementary School: West Bay
Middle School: Surfside
High School: Arnold
Location Information
Sub Area: 2724 - Beach - West Central
Area: 27 - Bay County
Street #: 20804
Street Name: Front Beach
Street Suffix: Road
City: Panama City Beach
County: Bay
State: FL
Zip Code: 32413
Project Name/Subdivision: SANTA MONICA BEACH
Absolute Longitude: 85.943237
Longitude: -85.943237
Latitude: 30.248406
Directions: Heading from Walton County on Hwy 98 to Panama City Beach, turn right at light onto Front Beach Rd and continue to the East corner of Monterey Ave and Front Beach Rd.
Project Facilities
Beach, Deed Access
Public facts
Beds: 5
Baths: 7.0
Sq. Ft.: 3,522
Stories: 2.0
Lot Size: 8,930 square feet
Style: Single Family Residential
Year Built: 2016
Year Renovated: 2016
County: Bay County
APN: 37193000000
Home facts updated by county records on Sep 14, 2026
Other
Listing Price Information
List Price: 2000000.00
List Price/SqFt: 567.86
Property Information
Apx SqFt(Htd/Cooled): 3522.00
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 • 5.8mi
6/10
Surfside Middle School
Public PreK-12 • Assigned • 6.1mi
7/10
Provided by GreatSchools
Lifestyle
Provided by Walk Score and Local Logic
Climate risks
3/10 Flood Factor
Minimal risk of a flood reaching the building in the next 30 years
3/10 Fire Factor
0.77% 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)
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
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
$2.61M – $3.16M
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