23 reviews

1 / 46 You'll love all of the beautiful colors of the Gulf and the lovely white sands!



Pets allowed:
Wi-Fi available:

2 Full baths

Description from owner

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TripAdvisor Property ID: 7056715

About the area

We are in a great location directly on the beach. So much to see, do and eat! Check out our binder which is filled with nearby places to visit and fun things to do. Two of my favorites are snorkeling at ST Joseph State Park, and Gulf World...

Owner profile

Milly W.
Years listed:

Languages spoken: English


Check in time:15:00, Check out time:10:00
If you have any questions about check-in or check-out times, please contact the owner/manager.
This owner does not use online booking. Please contact them and they will be able to offer you a secure way to pay for your stay. Never pay for your holiday rental by wire transfer (such as Western Union or Moneygram) as this type of payment is untraceable.

Damage deposit: $200.00
No smoking at this property
Cancellation policy
View Policy



  • Air conditioning
  • Balcony/Terrace
  • Grill
  • Heating
  • Balcony/Terrace
  • High Speed Internet
  • Private indoor pool
  • Hot tub/Jacuzzi
  • Linen provided
  • Private outdoor pool (unheated)
  • Parking Included
  • Secure parking
  • Balcony/Terrace
  • Safe
  • Sea view
  • Staffed property
  • Towels provided
  • Waterfront
  • Wi-Fi available


  • Ceiling Fans
  • Clothes dryer
  • Dishwasher
  • DVD player
  • Freezer
  • Hair dryer
  • Iron
  • CD player
  • Refrigerator
  • Satellite TV
  • Microwave
  • Stove
  • Toaster
  • TV
  • Washing machine


  • Cycling Trips
  • Fishing
  • Golf
  • Water sports
  • Horse riding
  • Sauna


  • 2 Full baths

Reviews (23)

Excellent – based on 23 reviews Excellent
23 reviews

“Great, roomy condo”

Reviewed 6 Mar 2018

I have been going to Panama City Beach since the 80's and this was one of the nicest and roomiest places I have stayed for the money. The bedrooms and bathrooms are larger than you would expect. Will probably stay again. All the other guests in the building were so nice and friendly and so were the maintenance guys who were always on the go keeping things nice.

Owner's reply: Corey and I are so happy that you and your wife chose to stay at our place this year for your winter getaway. Thank you for the kind words you posted concerning our condo. We try our hardest to make it warm and inviting to our guests. We too love that it is so roomy and that our balcony is the biggest we have seen on Panama City Beach. This is why we bought it!! Come back any time!! "Mi casa es Tu' casa!!" (My house is your house!!) Peace & Joy, milly

“Best place to stay in Panama City”

Reviewed 10 Nov 2017

I have been going to Panama City since 2009. We have stayed at this condo the last 3 years. I will never stay anywhere else. You get so much for your money. It is very spacious, beautifully taken care of, clean, homey and has everything you could possibily want for a vacation. The beach services are the added bonus. The balcony is large and you get lost looking at the ocean. We always want to stay longer.

Owner's reply: Thanks Tracey!! We are always happy to rent our condo to regulars!! We have some folks who have been returning for 6 years, which is when we first got our condo brand new. We hope you will be able to return for years to come. Happy Thanksgiving!! Sincerely, milly

“Everything you could want!”

Reviewed 8 Oct 2017

1104 is just perfect. Wonderful location, condo is beautiful, balcony is fantastic and provides an amazing view day and night. Corey and Milly have everything possible to make their condo and your stay the best ever. From the beach chair service to the games, movies, beach toys and the wonderful decor of the condo, you won't find a better place to stay. Will definitely be back. Thank you for sharing your condo!

Owner's reply: Hi Tina!! Corey and I are thrilled that your stay at our condo was such a positive one. Thanks for the great review. We really appreciate your sharing the experience with other potential guests. Happy Holidays!! Warmest Wishes, milly

“1104 Ocean Reef”

Reviewed 19 Aug 2017

Had a wonderful stay in 1104 with our daughter and son in law. They made use of the free chair rental every sunny day, and we enjoyed the view from our spacious balcony. Beautiful condo and view. Spacious and close to everything. Would definitely revisit.

Owner's reply: Hi Angela!! Thank you for sending me the wonderful photo of you and your husband on the beach. I so love seeing pictures of our guests enjoying themselves in the sun. You made my whole day!! Corey and I love the beach service so we have to get it each year for our guests too.Come back and enjoy the view again soon. You are always welcome at our place on the beach!! Milly

“Gorgeous Condo”

Reviewed 8 Aug 2017

Our family absolutely loved this condo! The views were amazing and the balcony was outstanding. We loved eating breakfast and drinking our coffee while just looking at the ocean. Milly and Corey was wonderful in answering our emails and questions before booking.The parking garage was a plus and loved having an assigned parking spot. The decor in the condo was beautiful and had so many extras. We used the lounge chairs that were included on the beach. The location was excellent and wasnt the beach area wasnt crowed like some of the condos around. Will be staying again!

Owner's reply: Thank you for your kind review. Corey and I are so happy that you were able to visit Panama City Beach this year. We sincerely hope you had the best of times with your family. Do come back soon. You are always welcome at our place on the beach. Please feel free to make it your second home too!! We hope the rest of 2017 is filled with peace, joy and love for you and your family!! Warmest Wishes, milly

“Wonderful condo!”

Reviewed 5 Jul 2017

My family was there the last week of June, and it was our first time staying at Ocean Reef in Milly's condo. It was exceptional! We had everything we needed, and the condo was the best we have stayed in since we started going to PCB almost 20 years ago. We will definitely be back!

Owner's reply: Darren, Corey and I are so happy that in almost 20 years of visiting PCB you consider our condo the best you have stayed in. You just made my week! Do come back again soon. You are always welcome:) Take care and have a great summer! milly

“Beautiful views❤️Gorgeous condo ❤️”

Reviewed 27 Jun 2017

Absolutely loved this condo! The views are amazing! Milly was wonderful in answering our emails about our stay and questions. The parking garage was a plus never having to fight for a spot was awesome! The condo was decorated very cute and very clean. They had it stocked with everything for the beach which was a huge plus. Also having the lounge chairs on the beach was wonderful they really did think of everything! Family friendly atmosphere. Will be staying again!

Owner's reply: I am so thrilled that you enjoyed your stay in our condo and in Panama City Beach. Thank you for your generous words and for complimenting the decor. Many of the paintings and photos where taken by me. We look forward to your coming back to our bit of paradise on the beach. Have a great summer!! milly

“The Real Deal”

Reviewed 31 May 2017

If you have read the previous reviews, there is not much more I can add. From initial contact with Milly to departure, everything was top notch. The business aspect was prompt and seamless. The condo is everything and more. Clean, spacious inside and out, stocked with everything imaginable and some things you haven't thought of yet. It is evident Milly and Corey have a gem of a condo. Reluctantly I will share this find with my friends and acquaintances. Thank you for an experience worthy of a repeat. 4 Educators (2 celebrating recent retirement + 2 recharging for another year. LOL)

Owner's reply: Paula, thank you for the kind words. I was once an educator as well and I know how important R&R is for them. Congratulations if you were one of the retirees!! If not, enjoy your summer off. I hope to hear back from you soon. Maybe you could come back at the end of summer too!! Tell your friends we have lots of openings after July, 2017!! Take Care, milly

“Perfect, well stocked condo. Great owners!”

Reviewed 19 Mar 2017

Thank you Milly for renting us your condo. It was perfect for our family of 5. My 14 yr old loved that the Wi-Fi was not slow. Everything we needed for a beach vacation and then some was available in the condo. It was very clean and updated. Very nice inside, the balcony was amazing. The master bedroom with access to the balcony and view is a great bonus. I loved that the building was not as big as one of the huge condo complexes down the street, there are so many condos in those buildings that the beach gets crowded by them. Milly was prompt with responses and the rental process was very easy, even when we booked last minute. I have already had some friends ask for the link to this property based on my pictures. If we come back to this area we will definitely stay here again.

Owner's reply: I am so happy that your family enjoyed your time on the beach. Thank you so much for telling your friends about our place on the beach:) Mi casa es Tu' casa!! Come back soon! Sincerely, Milly

“One of the best vacations ever!”

Reviewed 18 Oct 2016

What a great place to stay at the beach! It is a wonderful unit that is so beautifully decorated and clean. Everything we needed was in this unit. Great location and wonderful view of the gulf and beach. Easy access to the unit and elevators. The patio is oversize with access from the master bedroom and living room - great for lunch and dinner outside! We will stay there again!!

Owner's reply: Hi Penny! I am thrilled that you and your husband had a fabulous time and a good experience at our condo on the beach. Fall is my all time favorite season to go to Panama City Beach. There are no crowds and you feel like you have the whole beach to yourself. The balcony is my favorite place in the condo. We just updated it so folks can enjoy it even more! Come back soon! You are always welcome at our little peace of heaven on the ocean!! milly

Review 1-10 of 23
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Owner Supplied Testimonials

Although we are new to this site, we have the most reviews in Ocean Reef, and a 5-Star rating. See all of our EXCELLENT REVIEWS on our listing at Vacation Rentals By Owner. Just enter Vacation Rentals By Owner into your browser and then enter our listing number: 376863