21523 Front Beach Road, Panama City Beach, FL 32413 (MLS# 1010501)


$5,700,000
21523 Front Beach Road
Panama City Beach, FL 32413
MLS# 1010501
12 beds  |  16 baths  |  7914 sqft


Gulf Front | 3 Units | 10 Minutes to 30A
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Gulf Front | 3 Units | 10 Minutes to 30A Virtually Generated Living Room | Gulf Views Virtually Generated Balcony | Gulf Views Virtually Generated Gulf Front | 3 Unit | 10 Minutes to 30A Virtually Generated Living Area | Gulf Views Living Areas | Gulf Views Living Area | Gulf Views Living Area | Kitchen | Dining Room Virtually Generated Living Area | Kitchen | Dining Room Dining Room | Wet Bar Virtually Generated Wet Bar Virtually Generated Dining Room | Wet Bar Dining Room | Kitchen | Living Area | Gulf Views Kitchen | Gulf Views Kitchen Kitchen | Gulf Views Kitchen Virtually Generated Kitchen Balcony | Gulf Views Balcony | Gulf Views Half Bath Laundry Room | Washer & Dryer Bedroom 1 | Queen Bedroom 1 | Queen Bedroom 1 Bathroom | Single Vanity | Walk-in Shower Bedroom 1 Bathroom | Single Vanity Bedroom 2 | King Virtually Generated Bedroom 2 | King Bedroom 2 Bathroom | Single Vanity | Shower With Tub Bedroom 3 | King Virtually Generated Bedroom 3 | King Bedroom 3 Bathroom | Shower With Tub Virtually Generated 21523 FBR Primary Bedroom King with Balc Virtually Generated Balcony Bedroom 4 | King Bedroom 4 Bathroom | 2 Vanities | Walk-in Shower Virtually Generated Bedroom 4 Bathroom Bedroom 4 Bathroom | Jacuzzi Virtually Generated Patio | Pool Deck | Pool & Spa Combo | Fenced | Beach Access Virtually Generated Patio | Pool Deck | Pool & Spa Combo | Fenced | Beach Access Patio | Pool Deck | Pool & Spa Combo | Fenced | Beach Access Virtually Generated 21523 FBR Outdoor Covered Patio by Pool Virtually Generated Patio | Pool Deck | Pool & Spa Combo | Fenced | Beach Access Virtually Generated 21523 FBR Balcony View to Beach 2nd Floo 21523 FBR View to Beach From Balcony 21523 FBR Exterior 2 from parking lot Virtually Generated 21523 FBR

Property Description
The opportunity you've been waiting for has arrived! This extraordinary Gulf-front property on the desirable West End of Panama City Beach offers substantial construction, direct beach access, luxury coastal living, and incredible income-producing potential, all just a short drive from iconic 30A with no HOA restrictions! Built for longevity with concrete construction, metal studs, a tile roof, and stucco exterior, this building stands apart from typical coastal properties. It features THREE individual income-producing residences, each approximately 2,500 sq ft with 4 bedrooms and 4.5 bathrooms, with one private residence occupying each of the second, third, and fourth floors. Each unit offers two oversized Gulf-front balconies, panoramic water views, walls of glass, spacious living areas, gourmet kitchens with custom cabinetry, granite countertops, stainless appliances, and wet bars. Outside, enjoy a large, covered entertainment area, private pool, hot tub, and private beach access. Whether used as an investment with multiple income streams, a multi-generational retreat, or an entire beachfront compound, this is a truly rare opportunity on the Emerald Coast.

Details
General Property Info
userdefined76: 14
Sub-Type: Triplex - All Units
Design: Triplex
SqFt Source: County PA Records
Immediate Occupancy: No
Garage: No
Carport: Yes
Carport Spaces: 2
Driveway Spaces: 6
Assigned Spaces: 6
Pool: Yes
Pool Type: Private
Apx SqFt(Htd/Cooled): 7914
Bedrooms: 12
Full Baths: 12
Half Baths: 4
Total Bathrooms: 16
Year Built: 2007
Contract Info
Listing Board: Emerald Coast
List Price/SqFt: 720.24
List Date: 2026-08-24
Current Price: $5,700,000
List Price: $5,700,000
Location, Tax and Legal
Sub Area: 2725 - Beach - West South
Elementary School: West Bay
Middle School: Surfside
High School: Arnold
Legal Description: RIVIERA BEACH MAP-13B4LOT 1 LESS 5' ESMT ON E SIDEORB 4798 P 1002
Listing Info, Tax & Legal
Homestead: No
Is Subject Leased: No
Assessment Fees: No
New Buyer Fee: No
Last Taxes: 37446.97
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: Yes
Remarks & Misc
Remarks: The opportunity you've been waiting for has arrived! This extraordinary Gulf-front property on the desirable West End of Panama City Beach offers substantial construction, direct beach access, luxury coastal living, and incredible income-producing potential, all just a short drive from iconic 30A with no HOA restrictions! Built for longevity with concrete construction, metal studs, a tile roof, and stucco exterior, this building stands apart from typical coastal properties. It features THREE individual income-producing residences, each approximately 2,500 sq ft with 4 bedrooms and 4.5 bathrooms, with one private residence occupying each of the second, third, and fourth floors. Each unit offers two oversized Gulf-front balconies, panoramic water views, walls of glass, spacious living areas, gourmet kitchens with custom cabinetry, granite countertops, stainless appliances, and wet bars. Outside, enjoy a large, covered entertainment area, private pool, hot tub, and private beach access. Whether used as an investment with multiple income streams, a multi-generational retreat, or an entire beachfront compound, this is a truly rare opportunity on the Emerald Coast.
Waterfront
Gulf: 1
Construction Status
Construction Complete: 1
Parking Features
Carport Attached: 1
Covered: 1
Oversized: 1
Waterview
Gulf: 1
Project Facilities
Beach: 1
Deed Access: 1
Elevators: 1
Pool: 1
Short Term Rental - Allowed: 1
Waterfront: 1
Construction/Siding
Concrete: 1
Frame: 1
Roof Tile/Slate: 1
Steel: 1
Stucco: 1
Utilities
Electric: 1
Public Sewer: 1
Public Water: 1
Zoning
City: 1
Resid Multi-Family: 1
Resid Single Family: 1
Exterior
Balcony: 1
Fenced Back Yard: 1
Patio Covered: 1
Patio Open: 1
Pool - In-Ground: 1
Interior
Breakfast Bar: 1
Ceiling Raised: 1
Elevator: 1
Floor Tile: 1
Furnished - All: 1
Kitchen Island: 1
Lighting Recessed: 1
Pantry: 1
Washer/Dryer Hookup: 1
Wet Bar: 1
Window Treatment All: 1
Financing
Conventional: 1
Appliances
Cooktop: 1
Dishwasher: 1
Disposal: 1
Dryer: 1
Microwave: 1
Range Hood: 1
Refrigerator: 1
Refrigerator W/IceMk: 1
Smoke Detector: 1
Stove/Oven Electric: 1
Washer: 1
Energy
AC - Central Elect: 1
AC - High Efficiency: 1
Ceiling Fans: 1
Double Pane Windows: 1
Heat Cntrl Electric: 1
Water Heater - Elect: 1
Mstr Bdrm/Mstr Bath
MBath Tile: 1
MBath Walk-In Closet: 1
MBath Whirlpool: 1
MBed Balcony: 1
MBed First Floor: 1
MBed Walk-in Closet: 1
Master Bedroom
First: 1
Bedroom
First: 1
Kitchen
First: 1
Living Room
First: 1
Full Bathroom
First: 1
Half Bathroom
First: 1
Rooms
Balcony: 1
Bedroom: 1
Dining Area: 1
Dining Room: 1
Full Bathroom: 1
Half Bathroom: 1
Kitchen: 1
Laundry: 1
Living Room: 1
Master Bedroom: 1
Status Change Info
Status: Active
Location Tax and Legal
Area: 27 - Bay County
Street #: 21523
Street Name: Front Beach
Street Suffix: Road
State: FL
Zip Code: 32413
County: Bay
Project Name/Subdivision: RIVIERA BEACH
Parcel ID: 35412-010-000
Property Features
Construction Status: Construction Complete
Zoning: Resid Multi-Family; Resid Single Family
Waterfront: Gulf
Waterview: Gulf
Parking Features: Carport Attached; Covered; Oversized
Project Facilities: Beach; Deed Access; Elevators; Pool; Short Term Rental - Allowed; Waterfront
Exterior: Balcony; Fenced Back Yard; Patio Covered; Patio Open; Pool - In-Ground
Interior: Breakfast Bar; Ceiling Raised; Elevator; Floor Tile; Furnished - All; Kitchen Island; Lighting Recessed; Pantry; Washer/Dryer Hookup; Wet Bar; Window Treatment All
Appliances: Cooktop; Dishwasher; Disposal; Dryer; Microwave; Range Hood; Refrigerator; Refrigerator W/IceMk; Smoke Detector; Stove/Oven Electric; Washer
Utilities: Electric; Public Sewer; Public Water
Energy: AC - Central Elect; AC - High Efficiency; Ceiling Fans; Double Pane Windows; Heat Cntrl Electric; Water Heater - Elect
Master Bedroom: First
Bedroom: First
Kitchen: First
Living Room: First
Full Bathroom: First
Half Bathroom: First
Rooms: Balcony; Bedroom; Dining Area; Dining Room; Full Bathroom; Half Bathroom; Kitchen; Laundry; Living Room; Master Bedroom
Financing: Conventional
Room Information
Room Name Level Dimensions Length Width Remarks
Living RoomFirst0 x 00.000.00Buyer to Measure
Dining AreaFirst0 x 00.000.00Buyer to Measure
BalconyFirst0 x 00.000.00Buyer to Measure
KitchenFirst0 x 00.000.00Buyer to Measure
Master BedroomFirst13 x 1213.0012.00King Bed
BedroomFirst12 x 1112.0011.00Queen Room
Master BedroomFirst17 x 1317.0013.00Gulf Front W/Balcony - King
BedroomFirst15 x 1215.0012.00King Bed
LaundryFirst0 x 00.000.00Buyer to Measure
Half BathroomFirst0 x 00.000.00Buyer to Measure
Full BathroomFirst0 x 00.000.00Buyer to Measure
Dining RoomFirst0 x 00.000.00Buyer to Measure
Full BathroomFirst0 x 00.000.00Buyer to Measure
BalconyFirst0 x 00.000.00Buyer to Measure

Listing Office: Found Real Estate

Last Updated: September - 22 - 2026

All information is believed to be accurate but is not guaranteed. Protected by Copyright© 2026 and is owned either by the Emerald Coast Association of REALTORS®, Inc or by the developers of the software, FBS, Inc. All rights reserved.