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New construction
    • Price cut: $50K (3/29)
    $2,500,000

    20816 Front Beach Rd, Panama City Beach, FL 32413

    6beds
    2,808sqft
    : 
    Single Family Residence
    Built in 2002
    0.34 Acres Lot
    $2,356,800 Zestimate®
    $890/sqft
    $-- HOA

    What's special

    Heated private poolFully furnishedPrivate beach accessDesigner touchesThoughtful layoutMini-golf areaGulf-view property
    Welcome to your ultimate beach retreat on the highly sought-after west end of Panama City Beach! This fully remodeled 6-bedroom, 4-bath coastal stunner delivers the perfect blend of luxury, entertainment, and Gulf-side living. Enjoy beautiful views of the Gulf along with private beach access, giving you the beachfront lifestyle everyone dreams of. Step into a home that feels welcoming with high-end finishes, designer touches, upgraded LED lighting, and a thoughtful layout that makes every space shine. The home comes fully furnished, offering a true turnkey opportunity whether you plan to use it as a primary residence, second home, or high-performing investment property. Outside, the fun really begins. The expansive outdoor area is built for entertaining with multiple seating zones, a heated private pool, and vibrant LED lighting that transforms the space into a coastal oasis at night. The property also features a mini-golf area, perfect for guests, kids, and everyone looking to enjoy a little friendly competition. From the incredible outdoor amenities to the luxurious interior updates, this home offers an unmatched experience on Front Beach Road. If you're searching for a Gulf-view property that truly has it all, this is the one. Information contained within this listing such as lot dimensions, is deemed to be accurate but is not guaranteed. Buyer to verify.
    103 days
    |
    2,089
    |
    76
    |

    Zillow last checked: 7 hours ago

    Listing updated: March 29, 2026 at 12:24pm

    Listed by:

    Cynthia Wilkinson 850-814-4323,

    Rosemary Beach Realty, LLC

    Source: CPAR,MLS#: 782793MLS LogoOriginating MLS: Central Panhandle Association of REALTORS

    Tour with a local agent

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 6
      • Bathrooms: 4
      • Full bathrooms: 4
      Rooms
      • Room types: Bedroom, Dining Room, Full Bath, Garage, Kitchen, Primary Bathroom, Primary Bedroom, Other, Porch, Sitting Room
      Primary bedroom
      • Level: Second
      • Dimensions: 17 x 15
      Bedroom
      • Level: Second
      • Dimensions: 14 x 11
      Bedroom
      • Level: First
      • Dimensions: 11 x 11
      Bedroom
      • Level: First
      • Dimensions: 12 x 12
      Primary bathroom
      • Level: Second
      • Dimensions: 13 x 11
      Dining room
      • Description: Dining/Living Combo
      • Level: First
      • Dimensions: 25 x 14
      Other
      • Level: Second
      • Dimensions: 8 x 5
      Other
      • Level: First
      • Dimensions: 10 x 6
      Other
      • Level: First
      • Dimensions: 12 x 6
      Garage
      • Level: First
      • Dimensions: 35 x 24
      Kitchen
      • Description: Eat-in Kitchen
      • Level: First
      • Dimensions: 27 x 10
      Other
      • Features: Balcony
      • Level: Second
      • Dimensions: 38 x 13
      Porch
      • Level: First
      • Dimensions: 38 x 13
      Sitting room
      • Level: First
      • Dimensions: 15 x 12
      Heating
      • Central, Electric
      Cooling
      • Ceiling Fan(s), Heat Pump, Window Unit(s)
      Interior area
      • Total structure area: 2,808
      • Total interior livable area: 2,808 sqft

      Property

      Parking
      • Total spaces: 4
      • Parking features: Garage
      • Garage spaces: 4
      Features
      • Patio & porch: Patio, Balcony, Open, Porch
      • Exterior features: Patio
      • Has private pool: Yes
      • Pool features: In Ground, Private
      • Fencing: Full,Fenced
      • Has view: Yes
      • View description: Gulf
      • Has water view: Yes
      • Water view: Gulf
      Lot
      • Size: 0.34 Acres
      • Dimensions: 109 x 154 x 118 x 108
      • Features: Sprinkler System, Paved
      Details
      • Parcel number: 37194000000

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Coastal
      • Property subtype: Single Family Residence
      Materials
      • Block, Vinyl Siding, Wood Siding
      • Roof: Metal
      Condition
      • New construction: Yes
      • Year built: 2002

      Utilities & green energy

      • Utilities for property: Cable Connected, Electricity Available, Phone Connected

      Community & HOA

      Community
      • Features: Short Term Rental Allowed
      • Subdivision: Santa Monica Beach
      HOA
      • Has HOA: No
      Location
      • Region: Panama City Beach

      Financial & listing details

      • Price per square foot: $890/sqft
      • Tax assessed value: $1,715,235
      • Annual tax amount: $21,119
      • Date on market: 12/18/2025
      • Cumulative days on market: 104 days
      • Electric utility on property: Yes
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        Estimated market value

        $2,356,800

        $2.24M - $2.47M

        $4,390/mo

        Price history

        Price history
        DateEventPrice
        3/29/2026Price change$2,500,000-2%$890/sqft
        Source: ECAOR #990262 Report a problem
        3/9/2026Price change$2,550,000-1.2%$908/sqft
        Source: ECAOR #990262 Report a problem
        2/2/2026Price change$2,580,000-0.8%$919/sqft
        Source: CPAR #782793 Report a problem
        11/24/2025Listed for sale$2,600,000-1.9%$926/sqft
        Source: ECAOR #990262 Report a problem
        8/25/2025Listing removed$2,650,000$944/sqft
        Source: ECAOR #974328 Report a problem
        4/19/2025Listed for sale$2,650,000+7.1%$944/sqft
        Source: ECAOR #974328 Report a problem
        6/24/2024Listing removed$2,475,000$881/sqft
        Source: CPAR #752451 Report a problem
        6/14/2024Price change$2,475,000-0.4%$881/sqft
        Source: ECAOR #942017 Report a problem
        6/5/2024Price change$2,485,000-0.2%$885/sqft
        Source: ECAOR #942017 Report a problem
        5/23/2024Price change$2,490,000-4.2%$887/sqft
        Source: ECAOR #942017 Report a problem
        4/10/2024Listed for sale$2,599,000$926/sqft
        Source: ECAOR #942017 Report a problem
        3/29/2024Pending sale$2,599,000$926/sqft
        Source: ECAOR #942017 Report a problem
        3/20/2024Price change$2,599,000+4%$926/sqft
        Source: ECAOR #942017 Report a problem
        3/12/2024Listed for sale$2,500,000$890/sqft
        Source: ECAOR #942017 Report a problem
        2/19/2024Pending sale$2,500,000$890/sqft
        Source: ECAOR #942017 Report a problem
        2/7/2024Listed for sale$2,500,000+25%$890/sqft
        Source: CPAR #752451 Report a problem
        6/23/2023Sold$2,000,000-9.1%$712/sqft
        Source: CPAR #742023 Report a problem
        5/31/2023Contingent$2,200,000$783/sqft
        Source: CPAR #742023 Report a problem
        5/27/2023Listed for sale$2,200,000+120%$783/sqft
        Source: CPAR #742023 Report a problem
        7/21/2017Sold$1,000,000-4.8%$356/sqft
        Source: CPAR #654947 Report a problem
        1/29/2004Sold$1,050,000+281.8%$374/sqft
        Source: Public Record Report a problem
        2/15/2001Sold$275,000$98/sqft
        Source: Public Record Report a problem

        Public tax history

        Public tax history
        YearProperty taxesTax assessment
        2024$21,119 +19.8%$1,715,235 +44.6%
        2023$17,634 +38.5%$1,186,497 +10%
        2022$12,730 $1,078,634
        2021-- --
        2020$10,885 +0.9%$891,433 +2.2%
        2019$10,784 $872,013 +3.6%
        2018$10,784 +2%$841,798 +54.6%
        2017$10,577 +28.4%$544,496 +10.4%
        2016$8,239 +38.2%$493,392 +10%
        2015$5,960 $448,538 -0.8%
        2014$5,960 $452,153 -3%
        2013-- $466,132 -7.7%
        2012-- $504,874 -5.3%
        2011-- $533,342 -3.2%
        2010-- $551,119 -6.6%
        2009-- $590,142 -24.1%
        2008-- $777,771 -47.8%
        2007-- $1,489,981 +6.2%
        2006-- $1,403,307 +52%
        2005-- $923,045 +137.9%
        2004-- $387,949 +1.9%
        2003-- $380,715 +58.8%
        2002-- $239,815 +40.6%
        2001-- $170,616 +7.6%
        2000-- $158,605

        Find assessor info on the county website

        BuyAbility℠ payment

        Est. payment
        $15,618/mo
        Principal & interest
        $12972
        Property taxes
        $2646
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          Climate risks

          Neighborhood: 32413

          Getting around

          17 / 100
          Car-Dependent
          44 / 100
          Somewhat Bikeable

          Nearby schools

          GreatSchools rating
          Schools provided by the listing agent
          • Elementary: West Bay
          • Middle: Surfside
          • High: Arnold

          Source: CPAR. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

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