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Harrison Lilly Team

Owner/Operator | Harrison Lilly Emerald Coast | Harrison Lilly Realty | PLACE

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8706 Surf Drive B , Panama City Beach, FL 32408
$439,000
Est. Payment: $2,425.41/mo
2 Bed
2 Bath
1150 Sqft
Status: Pending | Days on site: 163
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Harrison Lilly Team
Owner/Operator

House Description

Directly across the street from the Gulf, this 2 bedroom, 2 bathroom townhome offers quick beach access, Gulf views, and updates that help reduce near-term maintenance. Two public beach access points are nearby, and the home is being sold fully furnished, making it a practical option for personal use, a second home, or rental use. For buyers exploring added rental flexibility, the neighboring townhome is also available, creating a rare opportunity to own side-by-side units. Inside, the layout is set up to comfortably host guests with one king bed and two queen beds. The kitchen, bathrooms, and flooring were renovated in 2019, and the entire unit was freshly painted in 2025, including the walls, trim, and doors. All furnishings were also replaced in 2025, giving the interior a clean, updated feel. A full-size washer and dryer adds everyday convenience. The living area opens to a private patio where you can enjoy Gulf views and coastal breezes. A fenced backyard provides private outdoor space to unwind after time at the beach. The home also includes a private garage for beach gear, bikes, and other coastal essentials, plus additional driveway parking for guests. Nearby destinations include Pier Park, St. Andrews State Park, marinas, waterfront dining, shopping, and local restaurants. Buyer to verify all dimensions.

Highlights

Listed by Christina M Schlink , 850-368-1474 Compass Florida, LLC , 850-296-9769. Bay County Association of REALTORS

Property Type

Condo/Townhome

Year Built

1983

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Bel Air 2nd Add

Listing ID

787635

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Electric Range, Electric Water Heater, Ice Maker
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Interior Steps, Main Level Primary, Tub Shower

Exterior Features

Lot:Paved
Lot Dimensions:17x120
Zoning:Resid Multi-Family
Roof:Metal
Others:
  • ▪ Additional:Outdoor Shower
Principal Interest
$2,425
Taxes
$138

Home Price

$439,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$87,800
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$2,425.41

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,425.41 $137.67 $0.00 $2,563.08
Yearly $29,104.94 $1,651.98 $0.00 $30,756.92
Total $873,148.24 $49,559.40 $0.00 $922,707.64

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

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Market insight data is pulled from the same city as the listing being viewed (Panama City Beach, FL).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Bay County Association of REALTORS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-10-07T05:07:46.000Z

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