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Browse All Sterling Reef Properties for Sale

$658,000
3 Beds 2 Baths 791304 MLS
Wake up to breathtaking, unobstructed views of the sparkling emerald waters and sugar-white sands of Panama City Beach from this beautiful view positioned 3-bedroom, 2-bath condominium at Sterling Reef. Located on the highly desirable east side of the building, this second-floor unit offers a unique vantage point where it feels as though your balcony extends directly into the Gulf of America. Unlike many units in the area, this condo has never been used as a rental and has been privately owned, offering exceptional care and pride of ownership throughout. While short-term rentals are allowed, this property presents a rare opportunity to own a pristine, never-rented by current owners and a perfect beachfront retreat or establish a premium vacation rental investment. Perfectly situated next to MB Miller County Pier, you'll enjoy front-row seats to spectacular fireworks displays right from your private balcony. The second-floor location provides the ideal elevation for enjoying panoramic Gulf views while maintaining a close connection to the beach and water below. Sterling Reef offers outstanding amenities, including a Gulf-front pool, fitness center, activity room, grilling areas, and direct beach access. Conveniently located near dining, shopping, entertainment, and local attractions, this condo combines an unbeatable location with stunning views and exceptional ownership history. Opportunities like this don't come along often--don't let this one slip away! All measurements and items if importance are to be confirmed by buyer or buyer agent.

12011 Front Beach Road Unit 201C, Panama City Beach

$449,000
2 Beds 2 Baths 791263 MLS
CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS. Set directly on the beach at Sterling Reef, this well-maintained beachfront condo offers a highly desirable 2BR/2BA floor plan with an enclosed bunk room and has generated $58,555.18 (as of July 20, 2026) in short-term rental bookings Positioned on the 8th floor, the condo takes full advantage of panoramic gulf views while delivering something that's harder to find than you might expect - open ocean sound without the noise of the beach crowd below. It's a meaningful difference in the daily experience of the unit. Designed for both personal enjoyment and vacation rental appeal, the floor plan provides the flexibility to comfortably accommodate family and guests while maximizing sleeping capacity. From the kitchen and living area to the primary suite and private balcony, the Gulf remains the focal point throughout the condo. Floor-to-ceiling sliding glass doors maximize natural light while keeping the emerald waters front and center, creating a seamless connection between the interior living spaces and the beach beyond. The coastal-inspired interior has been meticulously maintained and thoughtfully updated - new furniture, paint, and fixtures were added in 2021, new carpet in 2023, and new deck furniture in 2025 - giving the unit a fresh, move-in-ready feel. Tile flooring throughout the main living areas makes upkeep easy after busy beach days. The spacious kitchen offers granite countertops, stainless steel appliances, and a breakfast bar that creates a natural gathering space for family and guests. 9' ceilings enhance the sense of openness, while the gulf-front primary suite serves as a private retreat with direct balcony access and stunning water views. Sterling Reef continues to be a favorite among vacationers thanks to its beachfront setting, relaxed atmosphere, and extensive amenity package. Owners and guests enjoy direct beach access, a seasonally heated bi-level pool and spa, fitness center, activity center, sky terrace with grilling area, covered parking, and 24-hour security. Adding to the appeal is Sterling Reef's central Panama City Beach location. Shipwreck Island Waterpark sits directly across the street, making it a popular destination for families, while Pier Park, Frank Brown Park, golf courses, restaurants, shopping, entertainment, and local attractions are all just minutes away. Schedule a private showing and see it for yourself.

12011 Front Beach Road Unit 804B, Panama City Beach

$439,900
2 Beds 2 Baths 789284 MLS
Experience coastal living at its finest in this stunning 19th floor penthouse Gulf-front condo at Sterling Reef Condominiums. This beautifully updated two-bedroom, two-bath residence offers breathtaking views of the turquoise and emerald-green waters of the Gulf, perfectly complemented by sugar-white sands stretching for miles. Designed for both comfort and style, this turnkey-rental ready condo comfortably sleeps up to six guests and features fresh updates throughout--including new paint completed within the last week, along with a new couch, chair, and rug that bring a bright, modern feel to the space. The open living area flows seamlessly onto a spacious Gulf-front balcony, where you can relax, dine, or simply take in the unforgettable sunsets. The primary suite is a true retreat, complete with a private en-suite bath and its own direct balcony access--perfect for enjoying your morning coffee with the sound of the waves. The second bedroom and full bath provide ample space and privacy for guests or family. Sterling Reef offers exceptional amenities, including a beachfront pool, fitness center, outdoor grilling stations, and picnic areas--everything you need for the perfect beachside lifestyle. The location is unbeatable: situated directly next to M.B. Miller County Pier, you'll have front-row seats to incredible views and fishing opportunities. You're also across the street from Shipwreck Island Waterpark and just minutes from shopping, dining, and entertainment at Pier Park. Even better, enjoy spectacular Independence Day fireworks right from your own balcony--no crowds required. This condo is a proven rental with great rental history. Even better, reservations are already secured for 2026, offering immediate, turnkey income for the next owner. Whether you're looking for a personal getaway, investment property, or vacation rental, this penthouse truly has it all--luxury, location, and lifestyle you simply can't beat. All measurements and items if importance are to be confirmed by buyer or buyer agent.

12011 Front Beach Road Unit 1902B, Panama City Beach

$500,000
2 Beds 2 Baths 769664 MLS
Welcome to your new coastal retreat at Sterling Reef. This beautifully remodeled 2-bedroom, 2-bathroom condominium is located on the 2nd floor of the esteemed Sterling Reef resort, offering an unparalleled living experience with modern comforts and stunning views. As you enter the unit, you are greeted by a spacious and open living area that seamlessly blends with the dining space and kitchen, creating an inviting atmosphere perfect for both relaxation and entertaining. The kitchen is equipped with contemporary appliances, ample cabinetry, and a convenient breakfast bar, catering to all your culinary needs. The master bedroom is a serene sanctuary featuring an en-suite bathroom and generous closet space. The second bedroom is equally inviting, providing comfort and privacy for guests or family members. Both bathrooms are elegantly designed with high-quality fixtures and finishes. One of the standout features of this property is its prime location within Sterling Reef. Situated on the 2nd floor, the unit offers breathtaking views of the county pier and the shimmering waters of the Gulf of Mexico. Enjoy your morning coffee or evening sunsets from the private balcony, a perfect spot to unwind and take in the natural beauty of the surroundings. Owners and Guest of Sterling Reef benefit from a range of amenities, including covered parking, ensuring convenience and security for your vehicle. The resort is ideally positioned within walking distance to a variety of restaurants and shopping destinations, making it easy to explore the vibrant local scene. Sold fully Furnished Turn key ready for Summer Tourist Season! Currently on a vacation rental program with proven numbers. For more information or to schedule a viewing, please contact us today. Experience the perfect blend of luxury, convenience, and coastal charm at Sterling Reef.

12011 Front Beach Road Unit 204B, Panama City Beach

$425,000
2 Beds 2 Baths 767139 MLS
This picture perfect, fully furnished & decorated, two bedroom two bath unit with 9' ceilings raises the standard of Gulf front living. Perfect elevation creates the ambiance of being in a beach house with an expansive ocean view. Enjoy world class gulf views from the Gulf front Master Bedroom and living room/kitchen area. Sit on your oversized balcony while watching the breathtaking sunsets over the Gulf of Mexico, or just watching the dolphins play. Fabulous gulf front master suite features, slider to balcony, walk-in closet, and bath with large vanity and bath/shower combo. Living/dining room are also gulf front and have access to balcony. Kitchen features a special built in pantry, granite countertops, stainless appliances, & refinished shaker panel cabinets. Contiguous LVP flooring throughout makes maintenance a breeze! Underbuilding Parking is as convenient as it gets! Sterling Reef is the perfect beach vacation destination for your family. Conveniently located just west of M.B. Miller fishing pier (there is nothing in between Sterling Reef and the pier, and never will be), you enjoy 1700 feet of unspoiled and uncrowded beaches! You are close to everything with easy access to the middle and back beach roads to bypass traffic in heavy traffic. Sterling Reef amenities include a heated bi-level pool with connecting waterfall, fitness center overlooking the gulf, clubhouse with media room, video game room, movie rentals, sky BBQ terrace, and the convenience of covered parking in the same building. Take your fishing pole right out to the pier to catch your dinner!! Directly across the street is Shipwreck Island Water Park, and must for kids of all ages. The location is great, in the heart of Panama City. Out to the beach and there are beach umbrella and chair rentals for you to enjoy, banana boat rides, parasailing, and jet ski rentals!

12011 Front Beach Road Unit 1606, Panama City Beach

$470,000
2 Beds 2 Baths 748323 MLS
Penthouse Unit -Million-Dollar Views- Updated Sterling Reef 2-Bedroom, 2-Bath, unit with so much to offer and being sold FULLY FURNISHED and RENTAL READY. From the time you enter the front door into the grand foyer, you feel the space this home has. The kitchen features granite countertops, and is open to the living room, which has a beautiful view of the Gulf-Of-Mexico from the 7x26.6 balcony. Wake up each morning from the master bedroom with a stunning beach view and enjoy your private master bathroom with an oversized all tiled shower (recent upgrade). The 2nd bedroom is to the front of the unit, as well as the 2nd bath, and laundry area. One of the best features of this unit is the 9-FT. Ceilings, and the unit is all tile, no carpet for easy maintenance. Sit back on your private balcony with a beautiful unobstructed west view, overlooking the County Pier, where you'll be lured in by the soft quartz sand, sparkling turquoise water, while taking in the most amazing sunsets. If you are not familiar with Sterling Reef it is one of our premier resorts with a seasonally heated 5000 sq.ft. bi-level pool, separated by a waterfall, fitness center where can you exercise the day away overlooking the beach, an owner's activity room where you can plan get togethers or watch your favorite football team of the flatscreen TV, or barbecue your favorite meal on the sky BBQ Terrace and dining area. This complex also has parking under the building, so no long walks from across the street. The building was painted in 2022 and also received 2 new elevators. The location is ideal and centrally located and the closest resort to Shipwreck Island Water Park and only 3.5 miles from Pier Park, and 17 miles from the Northwest Florida Beaches International Airport. If this sounds like the unit you have been waiting on, contact your favorite realtor for a private showing before your dream of owning a piece of paradise becomes someone elses realty. Age, Sq.Ft., Taxes, Room Dimensions, Schools, or any important information must be verified by the buyer via a personal or professional inspection/appraisal.

12011 Front Beach Road Unit 1906B, Panama City Beach

$445,000
2 Beds 2 Baths 781997 MLS
Penthouse Unit with Million-Dollar Views - Updated, Fully Furnished & Rental Ready! Welcome to this stunning Penthouse-Level 2-bedroom, 2-bath condo at highly sought-after Sterling Reef, offering panoramic, unobstructed west-facing views of the Gulf of Mexico, County Pier, and some of the most breathtaking sunsets on the coast. Sold fully furnished and rental ready, this beautifully updated unit is the perfect turnkey investment, second home, or full-time beach residence. From the moment you enter the large foyer, the space and quality of this home are immediately apparent. The open kitchen features granite countertops and flows seamlessly into the living area, where floor-to-ceiling glass draws your eye directly to the turquoise waters beyond the expansive 7' x 26.6' balcony. Wake up each morning to Gulf views from the master bedroom, complete with private balcony access and an upgraded en-suite master bathroom featuring an oversized, fully tiled walk-in shower. The spacious second bedroom is positioned at the front of the unit, along with the second full bath and a convenient laundry area. This penthouse-level condo boasts 9-ft ceilings, all-tile flooring (no carpet!), and a clean, coastal design ideal for low-maintenance living. Relax on your private balcony and enjoy endless views of soft quartz sand, sparkling water, and postcard-perfect sunsets. Sterling Reef is known as one of Panama City Beach's premier Gulf-front resorts, offering exceptional amenities including: Seasonally heated 5,000 sq.ft. bi-level pool with waterfall Fitness center overlooking the beach Owner's club/activity room with flat-screen TV Sky BBQ Terrace and covered dining area Under-building parking—no walking across the street Two new elevators and building repainted in 2022 The location is unbeatable—next to Shipwreck Island Water Park, just 3.5 miles to Pier Park, and only 17 miles to Northwest Florida Beaches International Airport. Penthouse views, updated interior, turnkey condition, and top-tier resort amenities—this Sterling Reef condo offers the complete package. Don't miss your chance to own one of the best units in the building!

12011 Front Beach Road Unit 1906B, Panama City Beach

$428,000
2 Beds 2 Baths 773756 MLS
CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS* 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 condo has been freshly painted & 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.

12011 Front Beach Road Unit 103B, Panama City Beach

$785,000
3 Beds 3 Baths 773008 MLS
Welcome to Sterling Reef, a premier condominium complex in the heart of Panama City Beach, FL! This incredible 3 bedroom, 3 bathroom unit. Owner netted $83K in 2024, rental history is available upon request. It is rental machine, boasting a and 1 bedroom lockout with its own private balcony, plus an extra large balcony perfect for family dinners and entertaining. With low association dues, Sterling Reef offers an affordable and desirable lifestyle. Inside, you'll find spacious 2 primary suites with king beds, a 3rd bedroom with 2 full beds and an adjoining bathroom, and sleek upgrades throughout. Recent updates include new water heaters in 2021, a new AC in the studio in 2020, and remodeled wood look ceramic tile throughout in 2018. Additional features include new appliances in 2018, a new washer and dryer in 2021, and fresh furniture. But it's not just about the unit - Sterling Reef itself offers a range of amenities to enhance your lifestyle. Enjoy stunning Gulf views, pristine beaches, and a relaxing atmosphere that's perfect for vacationers and full-time residents alike. The surrounding area is packed with activities, from water sports and fishing to shopping, dining, and entertainment. And for families, one of the best perks is that Shipwreck Island Waterpark is within walking distance, offering a fun-filled day of splashing and adventure for kids of all ages. Panama City Beach is a vibrant and growing community, with a strong rental market and endless opportunities for fun in the sun. Whether you're looking for a turn-key investment property or a beautiful beach home to call your own, this unit at Sterling Reef is the perfect choice. Contact me today to learn more and schedule a showing!

12011 Front Beach Road Unit 1707A, Panama City Beach

$500,000
2 Beds 2 Baths 769664 MLS
Welcome to your new coastal retreat at Sterling Reef. This beautifully remodeled 2-bedroom, 2-bathroom condominium is located on the 2nd floor of the esteemed Sterling Reef resort, offering an unparalleled living experience with modern comforts and stunning views.As you enter the unit, you are greeted by a spacious and open living area that seamlessly blends with the dining space and kitchen, creating an inviting atmosphere perfect for both relaxation and entertaining. The kitchen is equipped with contemporary appliances, ample cabinetry, and a convenient breakfast bar, catering to all your culinary needs.The master bedroom is a serene sanctuary featuring an en-suite bathroom and generous closet space. The second bedroom is equally inviting, providing comfort and privacy for guests or family members. Both bathrooms are elegantly designed with high-quality fixtures and finishes.One of the standout features of this property is its prime location within Sterling Reef. Situated on the 2nd floor, the unit offers breathtaking views of the county pier and the shimmering waters of the Gulf of Mexico. Enjoy your morning coffee or evening sunsets from the private balcony, a perfect spot to unwind and take in the natural beauty of the surroundings.Owners and Guest of Sterling Reef benefit from a range of amenities, including covered parking, ensuring convenience and security for your vehicle. The resort is ideally positioned within walking distance to a variety of restaurants and shopping destinations, making it easy to explore the vibrant local scene.Sold fully Furnished Turn key ready for Summer Tourist Season! Currently on a vacation rental program with proven numbers.For more information or to schedule a viewing, please contact us today. Experience the perfect blend of luxury, convenience, and coastal charm at Sterling Reef.

12011 Front Beach Road Unit 204B, Panama City Beach

$425,000
2 Beds 2 Baths 767139 MLS
This picture perfect, fully furnished & decorated, two bedroom two bath unit with 9' ceilings raises the standard of Gulf front living. Perfect elevation creates the ambiance of being in a beach house with an expansive ocean view. Enjoy world class gulf views from the Gulf front Master Bedroom and living room/kitchen area. Sit on your oversized balcony while watching the breathtaking sunsets over the Gulf of Mexico, or just watching the dolphins play. Fabulous gulf front master suite features, slider to balcony, walk-in closet, and bath with large vanity and bath/shower combo. Living/dining room are also gulf front and have access to balcony. Kitchen features a special built in pantry, granite countertops, stainless appliances, & refinished shaker panel cabinets. Contiguous LVP flooring throughout makes maintenance a breeze! Underbuilding Parking is as convenient as it gets! Sterling Reef is the perfect beach vacation destination for your family. Conveniently located just west of M.B. Miller fishing pier (there is nothing in between Sterling Reef and the pier, and never will be), you enjoy 1700 feet of unspoiled and uncrowded beaches! You are close to everything with easy access to the middle and back beach roads to bypass traffic in heavy traffic. Sterling Reef amenities include a heated bi-level pool with connecting waterfall, fitness center overlooking the gulf, clubhouse with media room, video game room, movie rentals, sky BBQ terrace, and the convenience of covered parking in the same building. Take your fishing pole right out to the pier to catch your dinner!! Directly across the street is Shipwreck Island Water Park, and must for kids of all ages. The location is great, in the heart of Panama City. Out to the beach and there are beach umbrella and chair rentals for you to enjoy, banana boat rides, parasailing, and jet ski rentals!

12011 Front Beach Road Unit 1606, Panama City Beach

$470,000
2 Beds 2 Baths 748323 MLS
Penthouse Unit -Million-Dollar Views- Updated Sterling Reef 2-Bedroom, 2-Bath, unit with so much to offer and being sold FULLY FURNISHED and RENTAL READY. From the time you enter the front door into the grand foyer, you feel the space this home has. The kitchen features granite countertops, and is open to the living room, which has a beautiful view of the Gulf-Of-Mexico from the 7x26.6 balcony. Wake up each morning from the master bedroom with a stunning beach view and enjoy your private master bathroom with an oversized all tiled shower (recent upgrade). The 2nd bedroom is to the front of the unit, as well as the 2nd bath, and laundry area. One of the best features of this unit is the 9-FT. Ceilings, and the unit is all tile, no carpet for easy maintenance. Sit back on your private balcony with a beautiful unobstructed west view, overlooking the County Pier, where you'll be lured in by the soft quartz sand, sparkling turquoise water, while taking in the most amazing sunsets. If you are not familiar with Sterling Reef it is one of our premier resorts with a seasonally heated 5000 sq.ft. bi-level pool, separated by a waterfall, fitness center where can you exercise the day away overlooking the beach, an owner's activity room where you can plan get togethers or watch your favorite football team of the flatscreen TV, or barbecue your favorite meal on the sky BBQ Terrace and dining area. This complex also has parking under the building, so no long walks from across the street. The building was painted in 2022 and also received 2 new elevators. The location is ideal and centrally located and the closest resort to Shipwreck Island Water Park and only 3.5 miles from Pier Park, and 17 miles from the Northwest Florida Beaches International Airport. If this sounds like the unit you have been waiting on, contact your favorite realtor for a private showing before your dream of owning a piece of paradise becomes someone elses realty. Age, Sq.Ft., Taxes, Room Dimensions, Schools, or any important information must be verified by the buyer via a personal or professional inspection/appraisal.

12011 Front Beach Road Unit 1906B, Panama City Beach

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