LIMITED TIME OFFER: Interest as low as 1.10% (1.50%APR) for a 5 YR Balloon Note Amortized over 30 years with 30% down payment and 1% Origination Fee; Interest as low as 1.99% (2.39%APR) for a 5 YR Balloon Note Amortized over 30 years with 20% down payment with 1% Origination Fee; Qualified buyers have closed within a week. Ocean Reef is one of Panama City's newest gulf-front condo developments located at the west end of the beach just 1.5 miles east of Pier Park. Our spacious 2 bedroom, 2 bath units offer a 10' deep x 28' wide balcony, 9' knock down textured ceilings, crown molding in foyer, living room and kitchen, all appliances (including washer and dryer), granite kitchen countertops, ceramic tile floors in hallway, kitchen and baths, spacious laundry room and COVERED