Agent profile image in chat bubble
Agent profile image in chat header

Harrison Lilly Team

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

Agent profile image in message

8205 Surf Dr , Panama City Beach, FL 32408
$2,825,000
Est. Payment: $15,607.72/mo
6 Bed
5 Bath
2856 Sqft
0.14 Acres
Status: Active | Days on site: 21
Get Pre-Qualified
ECO6 - E27848
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from Harrison Lilly Team, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
Agent profile image
Harrison Lilly Team
Owner/Operator

House Description

Gulf-Front Oasis with Private Saltwater Pool & Excellent Rental Income! This stunning 6-bedroom, 4.5-bath beachfront home offers the ultimate luxury coastal living experience, sitting directly on the sugar-white sands of Panama City Beach--zero steps to the beach! With approximately 2,900 sq. ft., this beautifully designed home provides expansive Gulf views from nearly every room. The open-concept floor plan features a nice kitchen and a spacious living room and dining area, perfect for large gatherings. The living area is bright and airy, with large windows that capture breathtaking sunset views over the Emerald Coast. The two king bedrooms on the main floor are en suite. Upstairs, the four bedrooms offer ample space for guests, each designed with comfort and relaxation in mind; they provide flexibility for families or rental guests, ensuring everyone has their own space to unwind. Step outside to over 1,800 sq. ft. of outdoor decking, including 450 sq. ft. of covered space, ideal for enjoying the soothing sound of the waves or escaping the midday sun. The private saltwater pool is the perfect place to cool off while taking in the unobstructed views of the Gulf of America. With ample parking for boats, motorcycles, or RVs, this home is designed for both relaxation and adventure. Whether you're looking for a primary residence, vacation home, or a high-income rental investment, this property delivers! Proven rental history makes it a turnkey investment opportunity,

Highlights

Listed by Alexandra A Gavrilash , 850-867-5588 Counts Real Estate Group Inc , 850-249-1414. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.14

Year Built

2013

County

Bay

Area

27 - Bay County

Neighborhood

Bel Air

Listing ID

1009380

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:6
  • ▪ Bathrooms:5
  • ▪ Full Bathrooms:4
  • ▪ 1/2 Bathrooms:1
Appliances:Dishwasher, Disposal, Dryer, Microwave, Refrigerator, Refrigerator W/IceMk, Security System, Stove/Oven Electric, Washer, Water Heater - Elect
Air Cond:Central Air
Fireplaces:
Floor:Floor Tile
Other:
  • ▪ Additional:Breakfast Bar

Exterior Features

Lot:Gulf
Lot Dimensions:40 X 150
Zoning:Resid Single Family
Others:
  • ▪ Additional:BBQ Pit/Grill, Hot Tub, Pool - Gunite Concrt, Deck Covered
Sewer:Public Sewer
Principal Interest
$15,608
Taxes
$1,554

Home Price

$2,825,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$565,000
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:
$15,607.72

Principal

Taxes

Principal Taxes HOA Total
Monthly $15,607.72 $1,554.36 $0.00 $17,162.08
Yearly $187,292.62 $18,652.32 $0.00 $205,944.94
Total $5,618,778.51 $559,569.60 $0.00 $6,178,348.11

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

Never Miss a Property

Be the first to know when a property hits the market.

Current Listings

Last 30 Days
N/A
Oct 2026

Average Price

All Price Ranges
N/A
Oct 2026

Average Days on Market

All Price Ranges
N/A
Oct 2026
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 Emerald Coast Multiple Listing Services, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-10-07T02:54:18.000Z

© 2026 Emerald Coast Multiple Listing Services