Step into a rare Gulf-front opportunity at Sterling Reef, where the first living level (fourth floor from the ground) delivers something no other floor can-expansive, oversized balconies that simply don't come available often. Unit 103B is all about outdoor living, with unobstructed Gulf views and a massive private balcony designed for long mornings, sunset gatherings, and true beachfront entertaining. Inside, the open layout features tile flooring throughout, a functional kitchen with granite countertops, breakfast bar, and a tiled island, offering a solid foundation for a buyer who wants to personalize and update the space to match their vision. Both bedrooms are generously sized and filled with natural light, making this an ideal canvas for creating a custom coastal retreat or a refreshed, high-performing rental. Whether you're an investor looking to add value through updates or a beach lover who wants to design a space that reflects your own style, this condo offers a rare blend of lifestyle appeal and renovation potential in one of the most desirable positions in the building. Sterling Reef completes the experience with resort-style amenities including a heated pool with waterfall, fitness center, game room, and direct beach access all just minutes from the dining, shopping, and entertainment that define this stretch of the Emerald Coast. With a motivated seller and a recent price improvement, this is a standout chance to secure a Gulf-front unit where the true value lies in its location, balcony size, and long-term potential. Opportunities like this, especially on this level, are few and far between.
Property Features
Bedrooms
- Bedrooms: 2
- Primary Bedroom Dimensions: 17' x 11'
- Bedroom 1 Dimensions: 11' x 11'
- Primary Bedroom Level: First
- Bedroom 1 Level: First
Other Rooms
- Total Rooms: 6
- Other Dimensions: 27' x 19'
- Other Level: First
- Other Features: Balcony
Bathrooms
- Total Bathrooms: 2
- Full Bathrooms: 2
- Bathroom 1 Dimensions: 8' x 6'
- Bathroom 2 Dimensions: 10' x 9'
- Bathroom 1 Level: First
- Bathroom 2 Level: First
Appliances
- WasherDryerStacked
- ElectricCooktop
- ElectricOven
- ElectricWaterHeater
- Laundry Features: Stacked
Heating and Cooling
- Cooling Features: CentralAir, CeilingFans
- Heating Features: Central, Electric
- Heating: Yes
- Ceiling Fans: Yes
Kitchen and Dining
- Dining Room Dimensions: 17' x 14'
- Dining Room Level: First
Pool and Spa
- Pool Features: GasHeat, InGround, Community
Land Info
- Land Lease: No
- Lot Description: Paved
- Lot Size Dimensions: Condo
Manufactured and Mobile Info
Exterior and Lot Features
- Patio And Porch Features: Balcony
- Road Frontage Type: CityStreet
- Road Responsibility: PublicMaintainedRoad
Home Features
- View: Gulf
- Security Features: SmokeDetectors
Homeowners Association
- Association: Yes
- Association Amenities: BeachRights, Barbecue, PicnicArea
School Information
- Elementary School: Hutchison Beach
- High School: Arnold
- Middle School: Surfside
Multi-Unit Info
Rental Info
- Units Furnished: AllUnits
Amenities and Community Features
- Community Features: Barbecue, Beach, Clubhouse, Elevator, FitnessCenter, Park, Pool, Waterfront, CommunityPool, ShortTermRentalAllowed
Other Property Info
- Annual Tax Amount: 5465
- Source Listing Status: Active
- County: Bay
- Directions: Three miles east of Hwy.79 on the corner of Alf Coleman and Front Beach Road
- Tax Year: 2024
- Restrictions: ShortTermRentalsAllowed
- Source Property Type: Residential
- Area: 03 - Bay County - Beach
- Property Subtype: condo
- MLS Area Minor: 0318 - Beach - Central South
- Source Neighborhood: Sterling Reef
- Parcel Number: 34809-610-003
- Postal City: Panama City Beach
- State Region: FL
- Subdivision: Sterling Reef
- Zoning Description: Resid Multi-Family
- Property Subtype: Condominium
Building and Construction
- Year Built: 2005
- Building Area Total: 1076
- Living Area Source: Appraiser
- Property Age: 21
- Architectural Style: HighRise
Utilities
- Sewer: PublicSewer
- CableConnected
- ElectricityAvailable