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$4,999,000

Beds
9
Baths
9.5
sq ft
5,215

20405 Front Beach Rd, Panama City Beach, FL 32413

20405 Front Beach Rd

Panama City Beach, FL 32413

  • 14 days on market
    • Price drop $999↓
**Virtual Tour Available**20405 Front Beach Road is an exquisite gulf front home nestled perfectly in the Laguna Beach section of Panama City Beach. Boasting an ideal location for both vacation rental and personal enjoyment, it sits just five miles east of the luxurious Rosemary Beach and five miles west of Pier Park--the largest commercial and entertainment center in Northwest Florida. This residence presents an exceptional vacation rental opportunity with the sister home grossing annual rental income of $444,000 in 2024, and this home grossing just under $300,000 in a partial year on the same management program. The home has also never allowed pets, so the home's condition has been maintained at the highest caliber. Distinguished by its meticulously designed floor plan, 20405 Front Beach Road stands out amidst Panama City Beach properties. Unlike many coastal homes that prioritize sleeping space over functional living areas, this home features three distinct living room and entertainment spaces. With 10-foot ceilings and generously sized bedrooms, every occupant can relish in the tranquility of this gulf-front retreat. Outdoor amenities include expansive balconies on each level and a private pool overlooking the Gulf, surrounded by shaded seating areas. The property's design is inspired by the natural beauty of the coast, evident in its locally sourced hardwood flooring and serene color palette. Turquoise accents and white quartz countertops pay homage to the nearby beaches, creating a seamless connection between indoor elegance and outdoor splendor. 20405 Front Beach Road epitomizes the fusion of style and functionality, enhanced by its prime location amidst the best offerings of Northwest Florida.

Details

Property type

Single Family Residence

Est. home value

$5,186,541

Lot size

3,920 sq ft

Price per sq ft

$959

Year built

2019

Price History

03/20/2025
EmeraldCoast

EmeraldCoast #971408

Price change
$4,999,000
-0.02%
03/17/2025
EmeraldCoast

EmeraldCoast #971408

Listed
$4,999,999
+0.02%
01/08/2025
CentralPanhandle

CentralPanhandle #762882

Removed
$4,999,000

Schools & Community

Elementary school: 

West Bay

Middle school: 

Surfside

High school: 

Arnold

Seller’s Loan History

Before you make an offer, understand who you are negotiating with so you can tailor your negotiation strategy to their situation.

Lender

Erie Fcu

Loan start date

September 2022

Original loan amount

$266,668

Est. remaining balance

Not provided

Interest rate

4.99%

Loan type

Commercial

Seller

Timothy A Kolakowski and Jill D Kolakowski

Lender

Erie Fcu

Loan start date

December 2021

Original loan amount

$3,040,000

Est. remaining balance

Not provided

Interest rate

3.14%

Loan type

Future Advance Clause / Open End Mortgage

Seller

Timothy A Kolakowski and Jill D Kolakowski

Source: Public records data

If you're the owner, you can request to remove loan details. Email listingsupport@tomo.com

How insights can help you

Interest rate

If the seller has a low interest rate, they may be tempted to rent the property out if they can't get the price they have in mind.

Motivation

If the seller already got a job in a different city, they may feel pressure to sell quickly to free up cash for a new home.

Equity

If the seller stands to receive a large amount of cash when they sell the property, they might be willing to negotiate on the offer price.

Interested in learning more?

Status: Active

Tomo last checked: 03/31/2025 at 2:30 PM

Listing updated: 03/20/2025 at 9:11 AM

Listed by: Caleb A Spears, Caleb A Spears, Caleb A Spears, Caleb A Spears, Compass Phone #: (305) 851-2820

MLS: EmeraldCoast #971408

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