17784 Front Beach Rd # 16, Panama City FL 32413, PANAMA CITY, FL, 32413
Active255 days on marketListed Dec 5, 2025MLS #A11925997
About this home
17784 Front Beach Rd # 16, Panama City FL 32413
Discover the perfect coastal retreat in beautiful Panama City Beach. This charming 1-bedroom, 1-bath home sits just steps from the sparkling ocean, offering the ultimate beachside lifestyle. Enjoy the convenience of water and Wi-Fi included, plus unbeatable local vibes with incredible restaurants, shops, and entertainment moments away. Whether you're looking for a peaceful escape or easy access to the best of PCB, this inviting space is ready to welcome you home.
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
385
Sqft
$4
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$172 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$172/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Panama City actives
$4 vs $173
Days on market
255 vs 28 typical
Where $4/sqft sits among the 7 Panama City actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside L M Wells Gulf Beach Estates
Get to know Panama City. See the full Panama City guide →
L M Wells Gulf Beach Estates — neighborhood snapshot
Population
319
Median age
54
Median home value
$379,600
Avg household
2
Households w/ children
20%
For the school run
Bay County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Panama City market
$250K → $54K
Panama City median sold, yr/yr
90.7%
Sale-to-list ratio (12 mo)
2 of 7
Panama City actives have cut their price
Median sold price, Panama City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the PANAMA CITY 32413 median. See the full Panama City market guide →
Paper trail
This home's history
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 17784 Front Beach Rd # 16 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 17784 Front Beach Rd # 16 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
17784 Front Beach Rd # 16 FAQs
What would the monthly payment be for 17784 Front Beach Rd # 16, Panama City FL 32413?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $172/mo — principal and interest, estimated property taxes and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
Are pets allowed at 17784 Front Beach Rd # 16, Panama City FL 32413?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Panama City?+
At $1,625, this home is listed about 99% below the Panama City median of $249,000. The market section on this page shows how the area is trending.
Which schools are assigned to 17784 Front Beach Rd # 16, Panama City FL 32413?+
West Bay Elementary School (elementary), J.R. Arnold High School (high) — Bay County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the PANAMA CITY 32413 market on paper
$1,625 is 99% below the PANAMA CITY 32413 median of $324,500, and at $4/sqft it sits under the Panama City average of $259.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03Time on market is leverage
255 days on market against a Panama City median of 28 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of Joshua Realty Services, LLC. · Levi Tennenhaus. MLS #A11925997.
IDX information is provided exclusively 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 is deemed reliable but is not guaranteed accurate by Miami Association of REALTORS®.
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