Condo in Panama City Beach, Bay County, FL · 161 units · built 2008
Ocean Reef, a Condo
14415 FRONT BEACH ROAD, Panama City Beach, FL 32413
Overview
Ocean Reef Condos features spacious beachfront units with expansive balconies, well-maintained common areas, and a convenient location within walking distance of local attractions. While the building has historically faced recurring challenges with elevator delays and tight garage parking, recent modernization efforts have begun addressing elevator reliability. The community offers pleasant amenities, including pools, a sky bridge, and direct beach access, supported by attentive on-site staff.
Overview compiled from public sources — verify details independently.
At a glance
Facts, not verdicts- Structure
- Built 2008
- Milestone
- Inspection applies
- Flood
- Being verified
- Wind
- Being verified
- Fees
- Being verified
- Reviews
- 5 themes
161 residential units on record.
Is Ocean Reef, a Condo safe? Structure & milestone status
Applicability is a factual classification — it does not indicate that any inspection is overdue or that a building has a problem.
What are the HOA fees at Ocean Reef, a Condo?
Fee information for this building is being verified from public records.
What is the flood risk at Ocean Reef, a Condo?
Flood and wind exposure for this building are being verified from FEMA and county records.
Permits & activity
Permit activity is being compiled from the county building department index.
Resident review themes
Aggregated themes from public reviews. No individuals are named.
Get the full building report
We're compiling special-assessment history, reserve funding status, and structural-safety records for this building. Get notified when the full safety & financial report is ready.
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Frequently asked
Is Ocean Reef, a Condo safe to live in?
Aedificio doesn't grade or judge buildings. What we can tell you is factual, and as a building of 3+ stories it falls under Florida SB 4-D milestone-inspection requirements. Applicability is a regulatory classification and does not indicate any problem. For a professional assessment, consult a licensed inspector.
What are the HOA fees at Ocean Reef, a Condo?
We're verifying this building's fee information from public records. Sign up above to be notified when it's published.
Does Ocean Reef, a Condo require a milestone inspection?
Yes — as a building of three or more stories it is within the class covered by Florida SB 4-D milestone inspections. This is a factual classification about the building class; Aedificio does not publish whether an inspection is complete or overdue.
Can you get a mortgage on a condo here?
Condo mortgage eligibility depends on the project's "warrantability" (Fannie Mae / Freddie Mac criteria: owner-occupancy, reserves, litigation, insurance). Aedificio surfaces the public inputs; your lender makes the warrantability determination.
Is Ocean Reef, a Condo in a flood zone?
We're verifying this building's FEMA flood-zone designation. Sign up to be notified.