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Harrison Lilly

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

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8715 Surf Drive 1702b , Panama City Beach, FL 32408
$640,000
Est. Payment: $3,245.96/mo
2 Bed
2 Bath
1310 Sqft
Status: active | Days on site: 176
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Live the coastal dream in this beautifully updated 17th-floor Gulf-front condo at the highly desirable Gulf Crest Condominiums. This spacious 2-bedroom, 2-bath residence with bonus bunks offers a split, open floor plan designed to maximize comfort, privacy, and breathtaking Gulf views. Luxury vinyl plank and tile flooring flow throughout the unit, creating a clean, modern coastal feel. The updated kitchen features quartz countertops, modern finishes, and opens seamlessly to the living and dining areas—perfect for entertaining while enjoying wide-open views of the emerald waters and sugar-white sands. Floor-to-ceiling glass leads to an expansive beachfront balcony, ideal for morning coffee, sunset cocktails, or simply relaxing to the sound of the waves. Thoughtfully refreshed with coastal décor and updated finishes, this condo offers both style and functionality. Whether you're searching for a full-time residence, a second home, or a strong vacation rental investment, this unit delivers on location, layout, and upgrades. Residents and guests of Gulf Crest enjoy resort-style amenities including two beachfront pools, hot tubs, a tiki bar, fitness center, and direct beach access, all conveniently located in the heart of Panama City Beach.

Highlights

Listed by Courtney V Harris , 850-628-9316 Superior Of Florida, LLC. , 850-832-4331. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

2896.21 Quarterly

Year Built

2004

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Gulf Crest Condo

Listing ID

784638

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:2
  • Full Bathrooms:2

Exterior Features

Lot Dimensions:0x0
Sewer:Public Sewer
Principal Interest
$3,246
Taxes
$595
HOA
$2,896

Home Price

$640,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$128,000
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:
$3,245.96

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,245.96 $594.83 $2,896.21 $6,737.00
Yearly $38,951.51 $7,138.00 $34,754.52 $80,844.03
Total $1,168,545.33 $214,140.00 $1,042,635.60 $2,425,320.93

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

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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: 2026-08-20T06:33:19.000Z

© 2026 Bay County Association of REALTORS