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17820 Front Beach Road B, Panama City, FL 32413

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For Sale

$1,650,000

5 beds • 4 baths • 2,695 sqft

Estimated Payment

$ 8,474 /mo. †

6.65% APR for 30 yrs.
$0 in taxes
Change Loan Terms

  • Single Family Detached
    Property type

  • $612.24
    Price per square foot

  • 11-20 Years Old
    Age

Explore this Property

This beach house property is a prime location just a mere 100 yards from the pristine shorelines of Laguna Beach and boasts $140,000 in rental income in 2023. This FULLY FURNISHED, three-story home is in excellent condition and provides an attractive opportunity for investors seeking a turnkey rental property as well as buyers seeking a primary residence or a luxurious vacation home. The home is spacious enough to serve as a main residence or vacation home for up to 14 guests. It was completely remodeled in 2022, with additional kitchen and bathroom renovations completed in 2024, and features stunning Gulf views, lock-out suite on the ground floor, ample covered parking, high-impact windows, fresh paint, upgraded finishes, and a hydraulic elevator ensuring easy access to each floor. The first-floor suite is self-contained with its own kitchen bathroom and living room, second floor has 2 luxurious king suites, and the third-floor features open living-dining and a fully equipted kitchen.
MLS# 20630010

Courtesy Of Ramsey Realty Group, Listed By Jeffery Ramsey

(903) 759-3333

Property Features

  • Age
    11-20 Years Old
  • Amenities
    Disabled Access, Elevator, Water Front
  • Appliances
    Cooktop, Cooktop - Electric, Cooktop - Gas, Dishwasher, Dryer, Garbage Disposer, Ice Maker, Microwave, Oven - Convection, Refrigerator, Refrigerator - Built-in, Washer
  • Architecture Style
    Other
  • Heating System
    Central Furnace
  • Lot Size
    0.07 Acres
  • View Type
    Lake, Water

Map and Directions

Directions to 17820 Front Beach Road B, Panama City, FL 32413

Home seller CENTURY 21 Ryan Realty

Get to know the neighborhood. A local affiliated CENTURY 21 office will help you set up tours, give advice, and negotiate with sellers.

CENTURY 21 Ryan Realty

(850) 233-7926
Learn More About Us

Mortgage Calculator

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Monthly Payment Breakdown

  • Principle and Interest
    $8,474
  • Property Taxes
    $0
  • Hazard Insurance
    $0
  • Private Mortgage Insurance
    $0
  • HOA Dues
    $0
  • Total Monthly Payment:
    $8,474

Calculators provided for estimating purposes only. Consult with your lender to determine precise payment requirements.

Schools

West Bay Elementary School

Grades KG-5 Public School

Panama City Beach, FL 32413 5 miles
14813 school dr

309 total students
14:1 Student teacher ratio

School Rating: C+

School Details

J.r. Arnold High School

Grades 9-12 Public School

Panama City Beach, FL 32407 6.4 miles
550 n alf coleman rd

1563 total students
26:1 Student teacher ratio

School Rating: C+

School Details
Other Nearby Schools Distance Type Grades School Rating
Surfside Middle School 4.1 miles Public 6-8 B-
Hutchison Beach Elementary School 5.2 miles Public KG-5 B+

Surfside Middle School

Distance: 4.1 miles

Type Public

Grades: 6-8

B-

Hutchison Beach Elementary School

Distance: 5.2 miles

Type Public

Grades: KG-5

B+

School information does not guarantee enrollment. School service boundaries are provided as a reference only, may change, and are not guaranteed to be accurate. Contact the school district directly to verify school enrollment eligibility.

Local area information for Panama City, FL 32413

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Panama City, FL 32413

This community’s employment is highest in the food and sales industries. The area’s overall household expenses are above the national average.

90° July
Hottest Average Month
42° January
Coldest Average Month
9,255 Total Households in Area
6.3% Increase in population since the year 2010
20.6%
of households
have children
21 minutes
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Demographic facts
for Panama City, FL 32413

Panama City, FL 32413 has a population of 19,271 people in 9,255 households with a median age of 51.9 years old.

6.3%
Increase in population
since the year 2010
Population is Trending up
8,245
Total households as of 2010
10.7%
projected percent change in total
households in 5 years

Community Population By Age

The median age for this area is 51.9 years old. The smallest percentage group is 55-64 years and the largest percentage is the 85+ years age range.

Community Population By Ethnicity

White 84%
Hispanic 7%
Other 3%
Black 2%
Asian 2%
Native American <1%
The most prevalent ethnicity is White at 84%, followed by Hispanic at 7%, Other at 3%, and Black at 2%.

Economics
for Panama City, FL 32413

166 /sq mi
Population Density
$86,362 /yr
Median Household Income
$576,000
Median Sales Price
21 min
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Household by Income

Out of the households in this area, the largest income group is $50-74,999k representing 19.64% of the households.

Transportation to Work

  • Drive 82%
  • Work from Home 15%
  • Walk or Bike 3%
  • Public Transit 0%

Occupancy by Type

Vacant 12,321 57%
Owned 7,322 34%
Rented 1,932 9%

White vs Blue Collar Jobs







White Collar 83%
Blue Collar 17%

Family & Education Facts
for Panama City, FL 32413

51.9 Median Age

Average Household Size

2.1
persons per
household

52.4%

Married Households

Community Population By Education

Bachelors Degree 24%
High School Graduate 22%
Some College 22%
Associates Degree 14%
Graduate Degree 13%
Some High School 5%
Of the total people surveyed, the most prevalent educational attainment level is Bachelors Degree, representing 24.15% of the population.

Household Family Expenses vs National Average

This location’s average annual expenditures compared to the national average. Index score (100=National Average)
20.6% of households have children

Weather
for Panama City, FL 32413

The weather for this area ranges from a high of 90° F in July to a low of 42° F in January

90° July
Hottest Average Month
42° January
Coldest Average Month

Average Temperature by Month

Low (°F)
High (°F)
Jan
42°
63°
Feb
44°
66°
Mar
50°
71°
Apr
56°
78°
May
64°
84°
Jun
71°
89°
Jul
73°
90°
Aug
73°
90°
Sep
69°
88°
Oct
59°
80°
Nov
50°
72°
Dec
44°
65°

Average Temperature in Degrees Fahrenheit

Precipitation

Precipitation (inch)

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Copyright © 2025 North Texas Real Estate Information Systems, Inc. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Data powered by Attom Data Solutions. Copyright© 2025. Information deemed reliable but not guaranteed.

This information is provided for general informational purposes only and should not be relied on in making any home-buying decisions. School information does not guarantee enrollment. Contact a local real estate professional or the school district(s) for current information on schools. This information is not intended for use in determining a person's eligibility to attend a school or to use or benefit from other city, town or local services.

† Based on a 30-year fixed rate of 3.38% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for our best qualified customers. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

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