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Howard Beach Condo, Panama City Beach , Florida Vacation Rental by Owner

Sterling Reef, Panama City Beach Vacation Rental Condo

  •  706-333-3428
    09:00 am - 09:00 pm
    Eastern Time Zone (UTC-05:00)

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Last Updated: 10/18/2019


Gulf Front and Beautiful! Reserved Beach Chairs Included March-October

Need a beach vacation! I would love to help!! We enjoy spending time in our vacation home and truly want the same for our guests! I retired in 2012 with 30 years in Education and managing our vacation home is my "retirement" job. I am always available to answer questions by phone/text/email. We are also local owners and are available if needed. 
Our 3rd floor 2 bedroom/2 bath vacation home at beautiful Sterling Reef has a large ocean front master bedroom with a comfortable king size bed and sliding doors to your oversized ocean front balcony. What an amazing experience to open your eyes and see the emerald ocean without getting out of bed! The master bath has a large garden tub with shower and walk-in closet. The living area has a commercial queen sleeper sofa, 55 inch 4K smart TV with Netflix and another entrance to the balcony. Our second bedroom contains a queen size bed as well as a twin bed with another large closet and full bath. Our kitchen has granite counters, full size refrigerator with water and ice in the door, as well as, a ceramic top stove, microwave and dishwasher. The kitchen is furnished with plates, utensils, small appliances, and coffeemaker, both automatic drip and single serve. Our dining table seats four with space for three more at the granite bar. The washer and dryer are in an enclosed area for convenience and noise reduction. You won't find another condo like ours anywhere. My husband made all of the beds, nightstands, all storage cabinets, tables and most of the wooden wall hangings. Our balcony is the perfect place to start and end your day with an amazing view of the ocean.

We have 3 4K UHD TVs all with either DVD or BluRay players and all Netflix accessible. We provide Beach Towels, Beach Toys, and a Pack N Play for your use and comfort. Just in case it rains, we have board games, DVDs, playing cards, books, and magazines. We also offer a set of free, reserved beach chairs/umbrella for your use from March 1-October 31. We are wifi enabled. Sterling Reef Resort is the perfect family beach destination. Not too small, not too large. Parking is under the building so no long walks across the road or walkway. Gas Grills are conveniently located on the mezzanine. 

Come and experience Panama City Beach! Located less than 3 miles from Pier Park which offers unique atmosphere & many restaurants including Jimmy Buffet's Margaritaville, Hofbrau Beer Garden, The Back Porch Seafood and Oyster House, Longhorn Steaks, Starbucks, Buffalo Wild Wings just to mention just a few. Additionally, many shopping options such as Dillard’s, J C Penny, Old Navy, Ron Jon Surf Shop and hundreds of specialty stores and the 16 screen Grand Theater.

It doesn't stop there--just across the street from the original Alvin's Island and Shipwreck Island Water Park and close to the new Ripley's Believe It or Not Museum. There are all kinds of places for the kids to go and have fun: go-carts, putt-putt golf, etc. Panama City Beach is the perfect place to bring your family or to have a romantic get away.

If you are in Panama City for sports tournaments or concerts, Frank Brown Park is approximately three miles from Sterling Reef.

If you have not visited Panama City Beach in a while, you won’t recognize its palm tree landscaped roads, beautiful high rise condos with a great assortment of very nice restaurants and dining options to choose from. 

Call Today & Book Your Worry Free Vacation!



From/To Nightly Weekend Weekly Monthly Min Nights
$145.00 $150.00 -- -- 3
$140.00 $145.00 -- -- 3
-- -- -- $1,950.00 30
-- -- -- $1,950.00 29

Housekeeping/Resort Fee: $120

FL Tax: 13%

Additional Information:

*Signed contract and down payment of $200 applied to total must be received before dates are fully reserved.  
*$200 fully refundable damage deposit required at 14 days before arrival.
*You MUST be at least 25 years old to rent our condo. 
*Per SR HOA, guests are NOT allowed to have pets on grounds or in condo.
*Our condo and balcony are strictly Non-Smoking.  Sterling Reef does have designated smoking areas.

Check-In Time:   4:00 PM

Check-Out Time: 10:00 AM


Bedroom Setup
  • 1 Queen Bed
  • 1 King Bed
  • 1 Twin Bed
  • 1 Sofa Bed
Dining Room
  • Dining Table
  • Eat in Counter
Barbecue - Grills
  • Community Gas Grill
Bedroom Extras
  • Private Bathroom
  • Walk-in Closet
  • Alarm Clock
Cooling Comfort
  • Ceiling Fans
  • Central Air Conditioning
  • Big Screen TV
  • Cable TV
  • DVD Player
  • Board Games
  • Reading Library
  • Linens Included
  • No Pets
  • No Smoking
  • Telephone
  • Vacuum
  • Fitness Center
  • Pack and Play
  • Elevator/Lift
Home Office
  • Wireless Internet Access
  • Washer/Dryer
  • Blender
  • Can Opener
  • Coffee Maker
  • Dishes
  • Dishwasher
  • Disposal
  • Fully Equipped Kitchen
  • Ice Maker
  • Ironing Board
  • Microwave
  • Mixer
  • Oven
  • Pots and Pans
  • Refrigerator
  • Stove
  • Toaster
  • Utensils
  • Crock Pot
  • Keurig
Outside Living
  • Community Pool
  • Outside Shower
  • Porch Furniture
  • Restaurants
  • Gulf/Ocean Front
  • Balcony
  • Beach Service Provided
  • Beachfront
  • Covered
  • Parking for 2 cars
  • Shower/Tub Combo


Panama City Beach Florida Activities
  • Club La Vela
  • Panama City Airboat Tours
  • Paradise Adventures Catamaran
  • Pier Park
  • Shell Island
  • Captain Anderson's Marina
  • Captain Anderson's Marina
  • Flippers Dolphin Tours
  • Gulf World Marine Park
  • Island Time Boat Tours
  • Jet skis - Adventures at Sea
  • Lagoon Pontoons
  • Panhandle Helicopter
  • Sandpiper Tiki Bar
  • Shipwreck Island Water Park
  • Wonderworks
  • Aerial Adventures
  • Aqua Park
  • Barnacle Bay
  • Beachfront Adventure Park
  • Bike the Beach
  • Bubble Soccer LOCO
  • Cobra Adventure Park
  • Coconut Creek Park
  • Dave & Buster's
  • Mirror Maze & Laser Craze
  • Emerald Falls Family Rec Center
  • Frank Brown Park
  • Fun Land Arcade
  • Goofy Golf
  • Hidden Lagoon
  • Indy Speedway
  • Island Air Express
  • PCB Aquatic Center
  • Skydive Panama City
  • Duck Adventure Tours
  • The Grand Theatre
  • Wild Thang Airboat Tours
  • ZooWorld
  • Scampys Seafood
  • Marcus' Gulf Pizza
  • Escape Zone 60
  • Bike Rentals
  • Golf Cart Rental
  • Local Fitness Center
  • Reel Contender Fishing Charter
Panama City Beach Florida Restaurants
  • Andy's Flour Power
  • Another Broken Egg
  • Billy's Oyster Bar
  • Bonefish Grill
  • Boon Dock's Restaurant
  • Capt. Anderson's
  • Finn's Island Style Grub
  • Firefly
  • Harpoon Harry's
  • Hook'd Pier Bar and Grill
  • Liza's Kitchen
  • Mike's Cafe and Oyster Bar
  • Moe's Original BBQ
  • Montego Bay Seafood House
  • Runaway Island
  • Schooners
  • Spinnaker Beach Club
  • The Back Porch
  • The Boar's Head
  • The Terrace Restaurant
  • Saltwater Grill
  • Dee's Hang Out
  • Dee's Hang Out
  • Dusty's Oyster Bar
  • The Wicked Wheel
  • Bayou on the Beach
  • Ketana Restaurant
  • Margaritaville
  • Montego Bay Seafood
  • Angelo's Steak Pit
  • Pompano Key
  • Sharky’s Beachfront
  • Hammerhead Fred's
  • Pompano Joe's
  • Carrabba's
  • Spinnaker Beach Club
  • David's Cafe
  • Hook'd Pier Bar
  • Dat Cajun Place
  • Chicken Salad Chick
  • Runaway Island
  • Dirty Dick's Crab House
  • Shuckums Oyster Pub
  • Dick's Last Resort
  • Edgewater Waffle Shop
  • Liza's Kitchen
  • Red Rae's
  • Jeannie's One Stop Diner
  • Pineapple Willy's
  • Salty Sue's
  • The Egg and I
  • Thomas Donut Shop
  • Salvatore's Pizza
  • Triple J Steak & Seafood
  • J Michael's
  • The Wharf Seafood Buffet



Great Vacation Home!    Jul 12, 2017

 cannot say enough about how wonderful this condo was!!!! It was just as comfy as home but with a WAY BETTER VIEW. We have stayed in so many places and this one tops them all. INFACT we can't want to be back next year. Robbye is AMAZING!!! So sweet checking in and making sure we had everything we needed and sending home a little bit of The Howard Condo home with us was so sweet!!! It's not childproof but very child friendly!! Very clean, Very well supplied. Sand toys,coolers chairs. We so overpacked not really expecting it to be as well supplied as it was. YOU GUYS GO OVER AND BEYOND FOR YOUR RENTERS AND IT REALLY DOES MAKE FOR A PERFECT STAY and was so appreciated.
The ONLY issue we had was on the final day we had to go home!!!! 

Robbye Howard's reply:

Thank you so much for staying with us and also for your kind words! We hope you'll stay with us every time you visit the beach!


Will Definitely Be Back!    Jun 11, 2017

We had a wonderful time during our stay! The condo was perfect! We really loved the decor and they provided everything we could possibly need, to extra beach towels, beach chairs, a Keurig, and even books and games! Not only was the unit great, but the staff at Sterling Reef was helpful and friendly. Everything was clean and attractive, and the heated pool was the best! There were lots of little perks, such as free movie rentals, and complimentary beach chairs. Loved the location, as it was near great restaurants and shopping. I will definitely be back here!

Robbye Howard's reply:

Thank You for your kind words! We welcome you back anytime!


We Love It!    Jun 04, 2017

We spent last week there and loved the condo. The decor and furnishings are very nice and the beds are so comfortable. There were 6 people and we had plenty of room and plenty of storage. The free set of two beach chairs with cushions and umbrella on the beach was an added bonus and there were two beach chairs in the closet. The owners are so nice and helpful. This is the place to stay!!!

Robbye Howard's reply:

We are SO happy your chose our home for your beach vacation! Thank You for your kind words and hope you will make us your "home away from home!"


Great People, Great Place, Great Time    May 22, 2017

We were at the Howard Condo last week . I can't say enough about this place or the owners . We had the best time .The Condo was Great well stocked, I was made to feel like I was at home. More than everything we needed . Tons of stuff to do near by . Plus My personal favorite the BEACH. Robbye and Tom Howard Made it happen for us .They can make it happen for you . Great People ,Great Place ,Great Time......... Thanks again !!!!!

Robbye Howard's reply:

So happy you stayed with us and had a memorable vacation!


Amazing On Every Level!    May 15, 2017

Robbye's condo was amazing on every level. She made sure our stay was perfect and I cannot wait to make a second trip to stay again.

Robbye Howard's reply:

Thank You, Deidre! Hope to hear from you anytime!


Love The Beach!    May 08, 2017

A beautiful condo with a gorgeous view of the beach. The condo had everything we needed. The beds were very comfortable. Everything went perfectly from reserving to checkout.


We'll Be Back!    Apr 01, 2017

This was our first time staying at the Howard's Beach Condo and we absolutely LOVED it! We went for my kids spring break. The condo was very well maintained. Very clean! It made us feel right at home. There was plenty of room for our family of 4. Also the owners were very prompt about returning my emails or calls. They were very helpful and didn't mind answering all my questions. We look forward to staying at this condo on our future trips to PCB! 

Robbye Howard's reply:

We appreciate your kind words! We truly want our guests to feel at home and want to stay with us again and again. We have the best guests-Thank You!


Fully updated condo!    Mar 26, 2017

This is not only a great, fully updated condo with an amazing view but filled with everything you need to make family memories. The condo is filled with beachy decor and wonderfully crafted furniture that gives it a perfect vacation feel while having all the comforts of home. The Howards have thought of everything to make your stay amazing. We loved having breakfast and dinner on the balcony seaside. We had everything we needed to make homemade meals including baking cookies. We spent several days on the beach. Thanks to the Howards we used the cooler for drinks and lunch, the girls dug in the sand with the sand toys and used the body board for hours of fun. We played some of the games in the condo after a full day in the sun. The complex is clean with helpful staff on hand. We thought the location was great. We could easily walk to sites and restaurants or drive to any location quickly. We loved Race City, renting a pontoon to explore shell island and checking out the shops....super touristy but fun. We loved every minute in PCB and hope to stay in the Howard's condo again. You can see how much they love their beach hone and how much they love sharing it with guests. Our family made so many memories here that I will always cherish. Until our next visit!

Robbye Howard's reply:

Your kind words have just made our day! Thank you SO very much! We do love spending time in our vacation home and truly want the same for our guests. We hope we will be your new beach vacation home for many years to come!


Perfection!    Jun 06, 2016

It doesn't get any better than Robbye and Tom Howard's beachfront condo at Sterling Reef! Amazing views and a spacious floor plan are just the beginning! The Howard's make sure you have everything you need to make your vacation a dream! Relaxation is easy to find in their beautifully appointed home away from home. If you are looking to feel pampered and get your toes in the sand, look no further than the Howard Condo! Perfection! We can't wait to plan our next trip back.

Robbye Howard's reply:

Thank you so much! We loved having you and hope to see you every time you need a beach vacation!


Perfect Getaway    Jun 01, 2016

My family and I had an amazing vacation all because of Robbye & Tom Howard .. Their beach home is spectacular. Loved the decor ... very clean. Loved the convenience of the beach chairs each day. The Pier/fishing and Putt Putt are within walking distance. The Sterling Reef Staff was great and very friendly. This is definitely your place to stay if you are looking for the perfect getaway.

Robbye Howard's reply:

We truly want our guests to feel at home-so happy you did!