15817 Front Beach Road 1-1901, Panama City Beach, FL 32413
Condominium in Calypso Towers I, Panama City Beach
Calypso Towers I · Panama City Beach, FL 32413 · Bay County
Listing data checked against the MLS November 13, 2026 at 1:50 AM ET · rechecked hourly
Listed by Berkshire Hathaway HomeServices Beach Properties of Florida (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
3Bedrooms
3Bathrooms
2006Year Built
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
Buyer leverage
Seller-leaning
19 days on market
Zone VE
Flood risk
Confirm requirements with FEMA; ~19 ft elevation
$4k–$7k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
15817 Front Beach Road 1-1901 in Calypso Towers I, Panama City Beach is listed at $999,998. It has been listed Oct 24, 2026. Listing facts: built in 2006, HOA dues of $1,168/mo. The parcel maps to FEMA flood zone VE, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
Built 2006 · 20 yrs
listed Oct 24, 2026
HOA $1,168/mo (per listing)
Listing description
About this home
The views are what stop you in your tracks. From this 19th-floor end-unit at Calypso Tower I, nearly every room is framed by the Gulf, with more than 27 feet of glass across the living and dining areas delivering panoramic coastline views stretching in multiple directions. The wraparound balcony extends the living space outdoors, creating front-row seats to emerald water, white sand beaches, unforgettable sunsets, and the energy of Panama City Beach below.
Designed to comfortably accommodate families, groups, or vacation guests, this 3BR/3BA condo sleeps up to eight and offers something rarely found in beachfront condominiums -- every bedroom has its own bathroom and impressive beach views. The gulf-front primary suite opens directly to the balcony and features a spacious ensuite bath with double vanities, a jetted soaking tub, separate shower, private water closet, and walk-in closet. Inside, the open-concept layout is filled with natural light thanks to its corner position and expansive windows.
The kitchen is equipped with stainless steel appliances and a breakfast bar for casual dining. A separate wet bar adds convenience, creating a dedicated space for coffee, beverages, or snacks. Tile flooring throughout the main living areas and luxury vinyl plank flooring in the bedrooms provide durability, easy maintenance, and a clean coastal look with no carpet to worry about.
A dedicated laundry room offers added storage and functionality, helping keep beach gear, luggage, and everyday essentials organized during extended stays. Well maintained and thoughtfully designed, this residence offers the space, layout, and views buyers seek in a Panama City Beach beachfront condo. Calypso's location makes it one of the most popular resorts in Panama City Beach.
Situated directly on the sand and just steps from Pier Park, owners and guests can walk to shopping, restaurants, entertainment, Topgolf, concerts, festivals, and year-round attractions without ever getting in the car. Resort amenities include two gulf-front pools, a poolside bar, beachside fire pits, BBQ grills, a gulf-front fitness center, an onsite convenience store, seasonal activities, and beach services right outside your door. Photos can only begin to capture what this condo feels like in person.
Schedule a private showing to experience it firsthand.
All 60 photos
Description provided by Berkshire Hathaway HomeServices Beach Properties of Florida and reproduced from the MLS; not independently verified.
Comparable closed sales for this home are unavailable right now, so this page shows no comparable-sales median or automated estimate for Calypso Towers I. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$999,998
Bed / bath3 / 3
Year built2006
Property typeCondominium
MLS #791270
Listing statuslisted Oct 24, 2026
Public records & third-party data
FEMA flood zoneZone VE
Ground elevation~19 ft
CountyBay
Area listings42 active · 1 under contract
Estimated first-year tax~$11,675/yr
CDD assessmentNone on record
HOA$1,168/mo
Calculated estimates
Estimated monthly payment$7,963
Insurance (illustrative)$4k–$7k/yr
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$7,963/mo
Principal & interest $5,419/mo68%
Taxes $973/mo12%
Insurance $402/mo5%
HOA $1,168/mo15%
$7,963/mo at 20% down, 30-yr @ 7.18% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Bay County rate (12.28 mills, county-average millage, 2025; verify with the property appraiser). Not a bill.
⚠️
Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Current owner’s estimated bill $9,625/yr ($802/mo) — taxable value $783,640 × 12.28 mills
$2,050 more each year
(+21%)
The current owner’s taxable value is below today’s asking price; after a sale the assessment is set from market value, so the estimated bill is higher. Exemptions and portability can reduce it.
$783,640
Market value
$783,640
Assessed
$783,640
Taxable
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Sources: Florida DOR certified tax roll (2025), Central Panhandle AR; millage: Florida TaxWatch 2025 How Florida Counties Compare (county-average millage); school portion estimated at ~42% of total, capped at 6.50 mills. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 15817 Front Beach Road 1-1901
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
Property tax
The current owner's bill is about $9,625/yr (certified county roll, taxable value × millage). Buy at the asking price of $999,998 and the first-year bill resets to about $11,675/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 12.28 mills (county-average millage, estimate)); Save Our Homes caps later increases at 3%/yr.
HOA dues
$1,168/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close.
Home and flood insurance
The average Citizens Property Insurance premium in Bay County is $1,928/yr (1,264 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $3,500–$7,000/yr; neither is a quote. Flood: this address maps to FEMA zone VE, a high-risk zone where flood insurance is required with a federally backed mortgage. Statewide, a zone A/AE/VE flood policy runs about $1,200–$2,500/yr (FEMA Risk Rating 2.0 averages, not a quote).
Roof and age
Built in 2006. An original roof would be about 20 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date.
Estimated carrying cost at the asking price, before the mortgage: about $2,302/month (tax $973, HOA $1,168, insurance $161). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
CDD assessment
Not reported
The MLS listing does not report a CDD amount. Many Florida communities have one; it shows on the county tax bill — confirm with the tax collector or the listing agent.
Insurance (illustrative range)
$4k–$7k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone VE — confirm flood coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$1,168/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone VE
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Ground elevation
~19 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Bay County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
County hazard risk ratings (FEMA National Risk Index, county level)
Hazard risk
Natural hazard risk
FEMA National Risk Index for Bay County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneVery High
Coastal floodingRelatively Moderate
Inland floodingRelatively Moderate
Heat waveRelatively Moderate
WildfireRelatively Low
TornadoRelatively High
LightningVery High
Strong windRelatively Moderate
DroughtVery Low
HailVery Low
Cold waveRelatively Moderate
Winter weatherRelatively Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband — how to check availability for this address
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Property timeline
This home’s history
2006BuiltPer public record
Aug 4, 2026First seen on our siteObserved at $999,998
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $999,998Berkshire Hathaway HomeServices Beach Properties of Florida · listed Oct 24, 2026
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
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Listed by Berkshire Hathaway HomeServices Beach Properties of Florida · MLS # 791270
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Keep looking
Similar homes for sale near Calypso Towers I
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Oct 2026 · Parks Amenities
Zollie Young Park off Mill Bayou Road nears completion after $300K+ county investment
Bay County is finishing Zollie Young Park with a walking trail, two pavilions, a playground, a kayak launch on Mill Bayou and an enclosed dog park, paid from the general fund. No firm finish date was given. A commissioner also said $1.2 million of grant-funded work at High Point Landing should wrap up in December.
Why it matters: A new water-access park adds walking, paddling and dog-park amenities for nearby residents of east Bay County. The project is about 9 miles northwest of Calypso Towers, elsewhere in Bay County.
Tyndall Air Force Base rebuild continues with about 140 new facilities
WJHG reports Tyndall AFB is rebuilding with roughly 140 new hurricane-resistant facilities after Hurricane Michael in 2018, and now hosts F-35 squadrons. Most current projects are expected to finish by 2027, while other buildings await congressional funding and the work has faced labor and budget constraints.
Why it matters: Continued base construction and F-35 operations sustain military and contractor employment and construction activity in the eastern Bay County area. The site is about 10 miles southwest of Calypso Towers.
Deal reached to redevelop historic Panama City Grammar School into apartments and townhomes
Panama City reached a deal for developer Zachary Seymour to buy the 1914 Panama City Grammar School on East Seventh Street and convert it to apartments and townhomes. The city would waive about $375,000 in code fines and a $100,000 CRA grant is pending approval. Seymour has one year to finish structural repairs to roofs, windows and doors.
Why it matters: Reuse of a vacant historic building would add downtown-area residential units and remove a long-standing vacant property. The project is about 11 miles west of Calypso Towers, elsewhere in Bay County.
Bay County approves $13.5 million water treatment plant expansion
Bay County commissioners approved a $13.5 million contract with NCMC Construction to add three large sand filters (30 by 50 feet each) to the county water treatment plant, which now runs 11 filters. Construction is expected to start soon and take about a year, and officials say water bills should not rise because of it.
Why it matters: Added filtration and backup capacity supports water service reliability for a county where demand has more than doubled in 15 years. The site is about 9 miles northwest of Calypso Towers.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in Bay County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
School zoningThis address is in the Bay County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
Items worth confirming for 15817 Front Beach Road 1-1901, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2006 (20 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
Condominium: request the association's budget, reserves, the most recent milestone or structural inspection report, and two years of meeting minutes before relying on the dues.
FEMA flood zone VE: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
Get a homeowners insurance quote for this specific address in Bay County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Confirm square footage and room dimensions independently.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $11,675/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,050 more per year than the current owner’s estimated bill (+21%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
Confirm school zoning directly with the district.
Provenance
Data sources & freshness
Listing record
CPAR, checked against the MLS hourly (last: November 13, 2026)
Comparable sales
Comparable-sales estimate unavailable for this home right now — no medians or automated estimate shown
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone VE shown above)
Taxes & monthly cost
Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of CPAR records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 15817 Front Beach Road 1-1901 and when was it built?
Per the listing record, 15817 Front Beach Road 1-1901 was built in 2006 and has 3 bedrooms and 3 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 15817 Front Beach Road 1-1901 in?
15817 Front Beach Road 1-1901 is in Calypso Towers I in Panama City Beach, Bay County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Does 15817 Front Beach Road 1-1901 have an HOA, and how much are the dues?
The listing reports HOA dues of $1,168 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 15817 Front Beach Road 1-1901 differ from the current owner's?
The estimate on this page (about $11,675 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,050 more per year than the current owner’s estimated bill (+21%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 15817 Front Beach Road 1-1901 in a flood zone?
The FEMA flood map places this parcel in Zone VE, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
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Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com and we will review and correct or remove it promptly.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
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1 / 1 photosListing courtesy of Berkshire Hathaway HomeServices Beach Properties of Florida
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
