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14401 Front Beach Road #403

Panama City Beach, FL 32413
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Bed 0

Bed

Bath 1

Bath

Gross rental income: $27,000 in 2025, self-managed Owner financing available: 20% down, 5-year balloon, 30 year amortization, 6% Interest Milestone inspection passed; all building work complete HOA covers electricity, water, sewer, cable, Wi-Fi, and trash This 4th-floor west-facing unit at the iconic Fontainebleau Terrace produced $27,000 in gross rental income in 2025 -- self-managed, with no property management fees eating into returns. With owner financing available at 20% down on a 5-year balloon, investors can enter at a lower capital outlay and immediately put the property's income to work. For buyers seeking beachfront exposure with a proven revenue track record and reduced barrier to entry, the numbers here are difficult to match. Location is a primary driver of the rental demand. The unit sits less than a mile from Pier Park -- the area's main shopping, dining, and entertainment hub -- and a short drive from 30A, St. Andrews State Park, and downtown Panama City. Direct beach access, sugar-white sand, and unobstructed emerald-water views in a low-density setting are the features that keep guests rebooking year after year. The unit is fully turnkey and ready to generate income from closing. Recent updates include new bathroom flooring and a refreshed kitchenette with new cabinetry and sink. The west-facing exposure delivers sunset views over the Gulf -- a consistent selling point in listing photos and guest reviews. Fontainebleau Terrace has anchored this stretch of Panama City Beach since 1965 and remains a property guests actively seek out. The HOA covers electricity, water, sewer, cable, Wi-Fi, and trash, keeping operating costs unusually low for a Gulf-front condo and translating more of the rental income directly to the bottom line. Amenities include a partially covered pool, owners' lounge, game room, fitness room, laundry facilities, covered and open-air gathering spaces overlooking the Gulf, and elevator access to every floor. Beach service is being added this year -- an upgrade that should support nightly rates going forward. The building has successfully passed its milestone inspection, confirming structural integrity and strong management -- a meaningful de-risking factor in today's Florida condo market. One reserved parking spot conveys with the unit, with overflow parking available.

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Detail Ic Property Details

Property Type : Residential

Price : $148,000

AD Id : 75515321

MLS Id : 785495

Year Built : 1965

County : Bay

Subdivision: Bellcamp Manor

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Feature Features

  • Interior Features

    Appliances: ElectricOven
  • Heating & Cooling

    Has Heating: Yes Heating: Central, Electric Has Cooling: Yes Cooling: CentralAir

  • Building Information

    Year Built: 1965
    Building Area Total: 330
    Pool Features: InGround, Community
    Private Pool: No

  • Lot Information

    Lot Dimensions: 0 x 0 Lot Description: Paved

    Property Information

    Subdivision: Fontainebleau Terrace Source Property Type: Residential MLS Area Minor: 0318 - Beach - Central South Property SubType: Condominium Property Age: 61

  • Listing Price Information

    Listing Price: $148000
    Original Price: $162000

  • Tax Information

    Parcel Number: 34511-581-000 Tax Year: 2025 Annual Tax: $1664 Tax Legal Desc: FONTAINEBLEAU TERRACE UNIT 403 ORB 4543 P 737 EFF 330 H&C

  • Homeowners Association Information

    Has Association: Yes
    Community Features: Barbecue, Beach, Clubhouse, Elevator, FitnessCenter, Pool, CommunityPool, ShortTermRentalAllowed

  • School Information

    Elementary School: Hutchison Beach Junior High School: Surfside Senior High School: Arnold
  • Utility Information

    ElectricityAvailable
  • Location Information

    Direction: From the Hathaway Bridge, take Hwy 98 W, Turn Left of Clara Ave, Turn Right on Pennel St merging onto Front Beach Rd. The destination will be on your left Security Features: SmokeDetectors
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ByOwner last updated this listing 06/10/2026 @ 08:26

MLS: 785495 LISTED BY: Tyler Smith, Legacy Premier Agency 850-468-2100 SOURCE: CPAR

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