Live the Gulf Life on Florida’s Emerald Coast

Coastal

20405 Front Beach Road

Panama City Beach, FL 32413

MLS#: 792326

$4,695,000

Status: Active
Listing number: 792326
Listing provided by: Compass Florida, LLC
Listing agent phone: None
Last update: 3 hours ago
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Laguna Beach Estates - Residential

Property

Beds

9

Full Baths

9

1/2 Baths

1

Year Built

2019

Sq.Footage

5,215

*Sellers offering a one-year competitive rental guarantee with qualifying offer* When I first toured 20405 Front Beach Road I was surprised by how livable the floorplan is for such a strong rental producer. It's very rare to find this kind of rental return on the gulf, and even more rare to find a strong rental producer with a floor plan that feels like a real home, not just a small hotel. This house has a family room on almost every level along with two kitchens and multiple laundry areas. Every bedroom has an ensuite bath, and most of the bedrooms have a walk-in closet as well. Each floor feels like its own space and has room to breathe, so it's ideal for a family to spend time together while not feeling like you're on top of one another. 20405 Front Beach Road advertises one of the best cap rates among gulf front homes with approximately $300,000 in actual gross rental income year-to-date (April 2026) and a projected $390,000+ in annual gross rental income. At $900/ft this home is the second lowest list price per foot in the last year for a gulf front home on the West end of Panama City Beach. 20405 Front Beach Road is only five miles from Pier Park, the largest shopping, dining, and entertainment complex in Northwest Florida. It also sits five miles from the iconic Rosemary Beach. This is an ideal location for someone who wants to be within striking distance of 30A without paying the 30A price premium. Another aspect of the location that I love is how it makes avoiding traffic gridlock easier. The street directly in front of the driveway, Wisteria Lane, connects to Highway 98. You can pull out of the driveway onto Wiseteria Lane and then turn onto Highway 98 and bypass any congestion on Front Beach Road. This has made avoiding traffic so much easier during busy times. Another thing that stands out to me is how deep/wide the stretch of beach in front of the home is. This beach stays relatively uncrowded year-round. I've been at the home during peak Summer and Spring break months and have been surprised with the lack of crowds nearby compared to other gulf front listings that I've toured. Many properties in our market lack adequate storage, but 20405 Front Beach Road does not have that problem. There's a lockable owner's closet on almost every floor, and it was cleverly built to include a half-car garage which functions as ideal storage or as a large owner's closet. Many owners choose to lock off a space like this and keep a refrigerator, personal bikes, beach toys, and other items they'll need for their vacation. This way an owner can relax and not worry about having to go shopping first thing when they come into town. Distance from 20405 Front Beach Road to: Camp Helen State Park (4.0 miles), Pier Park (5.1 miles), Rosemary Beach (5.9 miles), Watersound Beach Club (7.8 miles), Airport (22 minute drive)

Features & Amenities

Interior

  • Other Interior Features

    Double Vanity, Soaking Tub, Walk-In Closet(s)

  • Total Bedrooms

    9

  • Bathrooms

    9

  • 1/2 Bathrooms

    1

  • Cooling YN

    YES

  • Cooling

    Multi Units, Zoned

  • Pet friendly

    N/A

Exterior

  • Garage

    No

  • Construction Materials

    HardiPlank Type, Frame

  • Other Exterior Features

    Balcony

  • Patio and Porch Features

    Patio, Deck, Covered

  • Pool

    Yes

  • Pool Features

    Gas Heat, In Ground, Private

  • Waterfront YN

    YES

  • View

    Water

Area & Lot

  • Lot Features

    Paved, Waterfront

  • Lot Size(acres)

    0.09

  • Lot Size(square feet)

    3920.0

  • Property Type

    Residential

  • Property Sub Type

    SingleFamilyResidence

  • Architectural Style

    Coastal

Price

  • Sales Price

    $4,695,000

  • Zoning

    Resid Single Family

  • Sq. Footage

    5, 215

  • Price/SqFt

    $900

HOA

  • Association

    No

School District

  • Elementary School

    West Bay

  • Middle School

    Surfside

  • High School

    Arnold

Property Features

  • Stories

    4

  • New Construction

    NO

  • Foundation Details

    Pillar/Post/Pier

  • Senior Community YN

    NO

  • Sewer

    Public Sewer

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Location

County

Bay

Elementary School

West Bay

Middle School

Surfside

High School

Arnold

Listing Courtesy of Caleb Spears , Compass Florida, LLC

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Agent Tracy Acheson

REALTOR®

Tracy Acheson

Call Tracy today to schedule a private showing.

(406) 544-1626

Tracy@SaltwaterPCB.com


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*Sellers offering a one-year competitive rental guarantee with qualifying offer* When I first toured 20405 Front Beach Road I was surprised by how livable the floorplan is for such a strong rental producer. It's very rare to find this kind of rental return on the gulf, and even more rare to find a strong rental producer with a floor plan that feels like a real home, not just a small hotel. This house has a family room on almost every level along with two kitchens and multiple laundry areas. Every bedroom has an ensuite bath, and most of the bedrooms have a walk-in closet as well. Each floor feels like its own space and has room to breathe, so it's ideal for a family to spend time together while not feeling like you're on top of one another. 20405 Front Beach Road advertises one of the best cap rates among gulf front homes with approximately $300,000 in actual gross rental income year-to-date (April 2026) and a projected $390,000+ in annual gross rental income. At $900/ft this home is the second lowest list price per foot in the last year for a gulf front home on the West end of Panama City Beach. 20405 Front Beach Road is only five miles from Pier Park, the largest shopping, dining, and entertainment complex in Northwest Florida. It also sits five miles from the iconic Rosemary Beach. This is an ideal location for someone who wants to be within striking distance of 30A without paying the 30A price premium. Another aspect of the location that I love is how it makes avoiding traffic gridlock easier. The street directly in front of the driveway, Wisteria Lane, connects to Highway 98. You can pull out of the driveway onto Wiseteria Lane and then turn onto Highway 98 and bypass any congestion on Front Beach Road. This has made avoiding traffic so much easier during busy times. Another thing that stands out to me is how deep/wide the stretch of beach in front of the home is. This beach stays relatively uncrowded year-round. I've been at the home during peak Summer and Spring break months and have been surprised with the lack of crowds nearby compared to other gulf front listings that I've toured. Many properties in our market lack adequate storage, but 20405 Front Beach Road does not have that problem. There's a lockable owner's closet on almost every floor, and it was cleverly built to include a half-car garage which functions as ideal storage or as a large owner's closet. Many owners choose to lock off a space like this and keep a refrigerator, personal bikes, beach toys, and other items they'll need for their vacation. This way an owner can relax and not worry about having to go shopping first thing when they come into town. Distance from 20405 Front Beach Road to: Camp Helen State Park (4.0 miles), Pier Park (5.1 miles), Rosemary Beach (5.9 miles), Watersound Beach Club (7.8 miles), Airport (22 minute drive)

20405 Front Beach Road

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