OFF MARKET

Off Market Dec 2021 for $3.8M

$4,099,760

Est. refi paymentEst. refi $5,259/mo

•

5,215

sq ft

20405 Front Beach Rd, Panama City Beach, FL 32413

About this home

This Beach house has it all! Enough room to accommodate the largest group or family with the upmost class and style. 4 stories to spread out the rooms and living spaces yet cozy enough to enjoy everyone.Nine bedrooms and 9.5 baths allows each guest to have their own bath room and feel right at home. The home is decorated beautifully and has all the amenities you need for your home away from home. The private pool gives you a nice option from the beach or to cool off after an exciting day at the beach! Each floor has its own balcony to bring entertaining outside as well. This home should be viewed to get the sheer beauty and comfort it provides. Call today for your private showing. Grossing over $400,000 this year.

Single-familyProperty Type

2019Year Built

7,840 sq ftLot Size

$786Est. Price/Sq.Ft.

1 car garageParking

Listed by • Engel & Volkers Destin

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

Redfin checked: 2 minutes ago

•Source:ECAR #871610

Redfin Estimate

$4,099,760

$300K since sold in December 2021$19K since August

Recently sold homes
Estimate history
Homes for sale

This home's estimate is 266.6% higher than the average sale price ($1.12M) of 6 comparable homes.

SOLD DEC 1, 2025
$2,850,000
A
6 beds6.5 baths3,576 sq ft
20317 Front Beach Rd, Panama City Beach, FL 32413
SOLD MAR 9, 2026
$650,000
B
4 beds4.5 baths2,809 sq ft
411 Paradise Blvd, Panama City Beach, FL 32413
SOLD AUG 31, 2026
$565,000
C
4 beds3 baths2,250 sq ft
314 Blue Sage Rd, Panama City Beach, FL 32413
SOLD JUL 1, 2026
$1,275,000
D
5 beds4.5 baths3,137 sq ft
316 E Lakeshore Dr, 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 AUG 5, 2026
$585,000
F
4 beds3.5 baths2,219 sq ft
21818 Kelly Pines Pl, Panama City Beach, FL 32413

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Sell

$1,096,349

Est. take-home

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Est. cash available

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Rent

$4,756/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%

0.3% MoM

Median sale price

$482K

$3K MoM

Avg. days on market

102d

9 days MoM

Recently sold homes

305

13 MoM

New listings for sale

FOR SALE BY OWNER
$330,000
1 bed1 bath792 sq ft
14701 Front Beach Rd, Panama City Beach, FL 32413
NEW 13 HRS AGO
$4,495,000
9 beds11 baths6,493 sq ft
21524 Front Beach Rd, Panama City Beach, FL 32413
$459,900
2 beds2 baths1,368 sq ft
8614 Sand Dollar Dr, Panama City Beach, FL 32413
$825,000
2 beds2 baths1,368 sq ft
15625 Front Beach Rd #2011, Panama City Beach, FL 32413
$550,000
3 beds2 baths1,776 sq ft
218 N El Centro Blvd, Panama City Beach, FL 32413
$399,900
1 bed2 baths1,103 sq ft
15928 Front Beach Rd Unit 3-803, Panama City Beach, FL 32413
OPEN SUN, 1PM TO 3PM
$639,000
3 beds2.5 baths2,120 sq ft
283 Breakwater Blvd Lot 332, Panama City Beach, FL 32413
$224,999
2 beds2 baths1,040 sq ft
204 Kacy Ct, Panama City Beach, FL 32413
$469,900
3 beds2 baths1,990 sq ft
222 Middleburg Dr, Panama City Beach, FL 32413
$989,000
5 beds4 baths3,329 sq ft
125 Smugglers Cove Ct, Panama City Beach, FL 32413
See all

Provided by Redfin

Sale history for 20405 Front Beach Rd

Date

Event

Price

CPARMLS #792326

Jul 28, 2026

Listing Removed

—

Jul 7, 2026

Listed

$4,695,000

$900/sq ft

CPARMLS #771944

Apr 20, 2026

Price Changed

$4,695,000

$900/sq ft

Apr 13, 2026

Listing Removed

—

Mar 9, 2026

Listing Removed

—

Sep 17, 2025

Listing Removed

—

Jul 22, 2025

Price Changed

$4,699,000

$901/sq ft

Mar 17, 2025

Listed

$4,999,000

$959/sq ft

ECAR #971408

Mar 10, 2026

Relisted

—

Sep 23, 2025

Relisted

—

Jul 22, 2025

Price Changed

$4,699,000

$901/sq ft

Mar 20, 2025

Price Changed

$4,999,000

$959/sq ft

Mar 17, 2025

Listed

$4,999,999

$959/sq ft

ECAR #1000438

Mar 17, 2025

Listed

$4,695,000

$900/sq ft

CPARMLS #762823

Sep 18, 2024

Listed

$4,999,000

$959/sq ft

Sep 18, 2024

Listing Removed

—

CPARMLS #762882

Sep 18, 2024

Listed

$4,999,000

$959/sq ft

ECAR #959201

Sep 16, 2024

Listed

$4,999,000

$959/sq ft

CPARMLS #754889

Sep 18, 2024

Listing Removed

—

Sep 11, 2024

Listing Removed

—

Mar 27, 2024

Listed

$5,199,000

$997/sq ft

ECAR #945830

Sep 16, 2024

Relisted

—

Mar 27, 2024

Listed

$5,199,000

$997/sq ft

CPARMLS #738535

Mar 15, 2024

Listing Removed

—

Sep 4, 2023

Listing Removed

—

Jun 25, 2023

Price Changed

$5,500,000

$1,055/sq ft

Mar 9, 2023

Listed

$5,800,000

$1,112/sq ft

ECAR #919567

Sep 12, 2023

Relisted

—

Jun 25, 2023

Price Changed

$5,500,000

$1,055/sq ft

May 28, 2023

Relisted

—

May 18, 2023

Delisted

—

Mar 23, 2023

Listed

$5,800,000

$1,112/sq ft

CPARMLS #711513

Dec 15, 2021

Sold

$3,800,000

$729/sq ft

May 11, 2021

Listed

$3,990,000

$765/sq ft

NAMLS #871610

Dec 15, 2021

Sold

$3,800,000

$729/sq ft

Dec 15, 2021

Sold

$3,800,000

$729/sq ft

May 11, 2021

Listed

$3,999,000

$767/sq ft

May 11, 2021

Listed

$3,999,000

$767/sq ft

CPARMLS #650503

Dec 14, 2021

Listing Removed

—

Sep 14, 2016

Listed

$1,890,000

$362/sq ft

CPARMLS #411483

Dec 9, 2021

Listing Removed

—

Nov 1, 2010

Listed

$1,620,000

$311/sq ft

CPARMLS #406658

Dec 14, 2021

Listing Removed

—

May 3, 2010

Listed

$1,620,000

$311/sq ft

CPARMLS #342111

Dec 14, 2021

Listing Removed

—

Nov 10, 2005

Listed

$3,250,000

$623/sq ft

Public Records

Oct 19, 2020

Sold

$2,650,000

$508/sq ft

CPARMLS #701341

Oct 23, 2020

Sold

$2,660,000

$510/sq ft

Aug 22, 2020

Listed

$2,899,000

$556/sq ft

NAMLS #853777

Oct 23, 2020

Sold

$2,660,000

$510/sq ft

Oct 23, 2020

Sold

$2,660,000

$510/sq ft

Aug 22, 2020

Listed

$2,899,000

$556/sq ft

Aug 22, 2020

Listed

$2,899,000

$556/sq ft

CPARMLS #681317

Dec 4, 2019

Listing Removed

—

Mar 6, 2019

Listed

$3,195,000

$613/sq ft

NAMLS #817588

Aug 26, 2019

Listing Removed

—

Mar 6, 2019

Listed

$3,195,000

$613/sq ft

Mar 6, 2019

Listed

$3,195,000

$613/sq ft

NAMLS #760781

Aug 31, 2017

Listing Removed

—

Sep 12, 2016

Listed

$1,890,000

$362/sq ft

Sep 12, 2016

Listed

$1,890,000

$362/sq ft

CPARMLS #418238

Mar 5, 2012

Sold

$800,000

$153/sq ft

Jul 1, 2011

Listed

$1,124,000

$216/sq ft

ECAR #99071

Mar 25, 1997

Listed

$349,000

$67/sq ft

ECAR #102969

Mar 25, 1997

Listed

$299,000

$57/sq ft

Year

Property tax

Land + Additions

Assessment*

2025

$32,517 (+0.6%)

$991,800 + $1,649,945

$2,641,745

2024

$32,314 (+1.1%)

$991,800 + $1,634,457

$2,626,257

2023

$31,956 (−5.2%)

$909,150 + $1,643,613

$2,552,763

2022

$33,695 (+22.6%)

$644,670 + $2,265,080

$2,909,750

2021

$27,495 (+17.1%)

$522,348 + $1,766,972

$2,289,320

2020

$23,483 (+160.4%)

$450,225 + $1,473,551

$1,923,776

2019

$9,017 (−48.5%)

2018

$17,513 (+40.2%)

$621,897 + $774,020

$1,395,917

2017

$12,494 (+3.8%)

$541,575 + $446,666

$988,241

2016

$12,035 (−0.5%)

$482,850 + $451,618

$934,468

2015

$12,093 (+1.0%)

$456,750 + $456,570

$913,320

2014

$11,971

Tax history for 20405 Front Beach Rd

Year

Property tax

Land + Additions

Assessment*

2025

$32,517 (+0.6%)

$991,800 + $1,649,945

$2,641,745

2024

$32,314 (+1.1%)

$991,800 + $1,634,457

$2,626,257

2023

$31,956 (−5.2%)

$909,150 + $1,643,613

$2,552,763

2022

$33,695 (+22.6%)

$644,670 + $2,265,080

$2,909,750

2021

$27,495 (+17.1%)

$522,348 + $1,766,972

$2,289,320

2020

$23,483 (+160.4%)

$450,225 + $1,473,551

$1,923,776

2019

$9,017 (−48.5%)

2018

$17,513 (+40.2%)

$621,897 + $774,020

$1,395,917

2017

$12,494 (+3.8%)

$541,575 + $446,666

$988,241

2016

$12,035 (−0.5%)

$482,850 + $451,618

$934,468

2015

$12,093 (+1.0%)

$456,750 + $456,570

$913,320

2014

$11,971

*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

38 ft.

Lot depth

105 ft.

Lot size

3,964 Sq. Ft.

Year renovated

2019

Sq. Ft.

5,215

Year built

2019

Style

Single Family Residential

County

Bay County

APN

36627000000

Parking Spaces

—

Basement

—

Accessible

—

HOA Dues

—

Garage

—

Features

—

Last updated by owner on Jun 18, 2026.

Property details

Parking

Parking Information
No
Has Garage
Parking Features: Garage Attached, Guest

Interior

Bedroom Information
Bedrooms: 9
Bedroom: Fourth, Second, Third

Bathroom Information
Full Baths: 9
Half Baths: 0
Total Baths: 9.00
Master Bedroom/Master Bath: MBath Double Vanity, MBath Garden Tub, MBath Separate Shwr

Room Information
Rooms: Balcony, Bedroom, Bunk Room, Garage

Room 1
Bedroom
Area: 110.50
Dimensions: 13 x 8.5
Length: 13.00
Width: 8.50
Level: 2

Room 2
Bedroom
Area: 150.00
Dimensions: 12.5 x 12
Length: 12.50
Width: 12.00
Level: 2

Room 3
Bedroom
Area: 196.25
Dimensions: 15.7 x 12.5
Length: 15.70
Width: 12.50
Level: 3

Room 4
Bedroom
Area: 96.76
Dimensions: 11.8 x 8.2
Length: 11.80
Width: 8.20
Level: 3

Room 5
Bedroom
Area: 199.82
Dimensions: 19.4 x 10.3
Length: 19.40
Width: 10.30
Level: 4

Room 6
Bunk Room
Area: 259.20
Dimensions: 24 x 10.8
Length: 24.00
Width: 10.80
Level: 4

Room 7
Bedroom
Area: 91.25
Dimensions: 12.5 x 7.3
Length: 12.50
Width: 7.30
Level: 4

Room 8
Balcony
Area: 227.76
Dimensions: 15.6 x 14.6
Length: 15.60
Width: 14.60
Level: 1

Room 9
Garage
Area: 150.00
Dimensions: 15 x 10
Length: 15.00
Width: 10.00
Level: 1

Room 10
Balcony
Area: 310.00
Dimensions: 10 x 31
Length: 10.00
Width: 31.00
Level: 2

Room 11
Balcony
Area: 310.00
Dimensions: 10 x 31
Length: 10.00
Width: 31.00
Level: 3

Interior Features
Appliances: Dishwasher, Dryer, Microwave, Refrigerator, Smoke Detector, Stove/Oven Electric, Washer
Interior: Breakfast Bar, Furnished - All, Kitchen Island, Lighting Recessed, Owner's Closet, Washer/Dryer Hookup, Window Treatmnt Some

Exterior

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

Lot Information
Acreage: 0.18
Lot Dimensions: 38' x 105'
Waterfront: Gulf
Waterfront Feet: 38'
Lot Features: Within 1/2 Mile to Water
Lot/Parcel Access: Paved Road, State Highway
Zoning: Residential Single Family

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

Financial

Tax Information
Last Tax Year: 2020
Last Taxes: 23483.00

Financial Information
Mortgage Type: Conventional
Financing: Conventional, FHA, Other, VA
Brokerage Interest: No Interest

Utilities

Utility Information
Utilities: Electric, Public Sewer, Public Water
Energy: AC - 2 or More, AC - Central Elect, Ceiling Fans, Heat Cntrl Electric, Water Heater - Tnkls

Location

School Information
Elementary School: West Bay
Middle School: Surfside
High School: Arnold

Location Information
Sub Area: 2725 - Beach - West South
Area: 27 - Bay County
Street #: 20405
Street Name: Front Beach
Street Suffix: Road
City: Panama City Beach
County: Bay
State: FL
Zip Code: 32413
Project Name/Subdivision: LAGUNA BEACH ESTATES
Absolute Longitude: 85.936965
Longitude: -85.936965
Latitude: 30.244885
Directions: From Hwy 98 Turn into Wisteria, at the stop sign at Front Beach Road turn right and the house will be on your left almost immediately

Project Facilities
Beach, Pool

Public facts

Beds: 9
Baths: 9.0
Sq. Ft.: 5,215
Stories: 4.0
Lot Size: 3,964 square feet
Style: Single Family Residential
Year Built: 2019
Year Renovated: 2019
County: Bay County
APN: 36627000000

Home facts updated by county records on Jun 18, 2026

Other

Listing Price Information
List Price: 3999000.00
List Price/SqFt: 766.83

Property Information
Apx SqFt(Htd/Cooled): 5215.00
Design: Beach House
Sub-Type: Detached Single Family
Waterview: Gulf

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

3/10 Flood Factor

Estimated 13-19% 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

90/ 100

Exceptional sunlight

Sunscore

There appears to be minimal shading by surrounding buildings, terrain, and vegetation.

9.5 hrs

6.3 hrs

JuneDecember

Provided by Shadowmap

Estimated sale price

$3.90M – $4.72M

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New listings for sale in 32413

FOR SALE BY OWNER

$330,000

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14701 Front Beach Rd, Panama City Beach, FL 32413

NEW 13 HRS AGO

$4,495,000

9 beds11 baths6,493 sq ft

21524 Front Beach Rd, Panama City Beach, FL 32413

$459,900

2 beds2 baths1,368 sq ft

8614 Sand Dollar Dr, Panama City Beach, FL 32413

$825,000

2 beds2 baths1,368 sq ft

15625 Front Beach Rd #2011, Panama City Beach, FL 32413

$550,000

3 beds2 baths1,776 sq ft

218 N El Centro Blvd, Panama City Beach, FL 32413

$399,900

1 bed2 baths1,103 sq ft

15928 Front Beach Rd Unit 3-803, Panama City Beach, FL 32413

OPEN SUN, 1PM TO 3PM

$639,000

3 beds2.5 baths2,120 sq ft

283 Breakwater Blvd Lot 332, Panama City Beach, FL 32413

$224,999

2 beds2 baths1,040 sq ft

204 Kacy Ct, Panama City Beach, FL 32413

$469,900

3 beds2 baths1,990 sq ft

222 Middleburg Dr, Panama City Beach, FL 32413

Home values near 20405 Front Beach Rd

Data from public records.

Address	Redfin Estimate
20507 Front Beach Road, Panama City Beach, FL 4 Beds \| 3 Baths \| 2466 Sq. Ft.	$2,320,952
20314 Front Beach Road, Panama City Beach, FL 3 Beds \| 3 Baths \| 1857 Sq. Ft.	$989,273

Address	Redfin Estimate
20505 Front Beach Road, Panama City Beach, FL 6 Beds \| 4.5 Baths \| 3805 Sq. Ft.	$3,818,054
20408 Front Beach Road, Panama City Beach, FL 3 Beds \| 2 Baths \| 2042 Sq. Ft.	$586,843

Address	Redfin Estimate
20313 Front Beach Road, Panama City Beach, FL 3 Beds \| 2 Baths \| 1733 Sq. Ft.	$1,592,775
20304 Front Beach Road, Panama City Beach, FL 4 Beds \| 3 Baths \| 4193 Sq. Ft.	$2,061,399

Property information provided by ECAR when last listed in 2021. This data may not match . Learn more.

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