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Harrison Lilly

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

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8200 Surf Dr Unit 303 , Panama City Beach, FL 32408
$450,000
Est. Payment: $2,282.32/mo
2 Bed
2 Bath
1180 Sqft
Status: active | Days on site: 29
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Rare opportunity to own a beachfront condo at Gulfgate! These highly desirable 2-bedroom, 2-bath units with Gulf front master doesn't come on the market often, making this an exceptional opportunity for both investors and beach lovers alike. Located in one of Panama City Beach's sought-after low-density, mid-rise Gulf-front communities, this stunning condo offers breathtaking Gulf views, direct beach access, and the quieter, less crowded atmosphere today's vacationers are searching for. The spacious floor plan features an open living area, generous bedrooms, and a private Gulf-front balcony the perfect place to take in unforgettable sunsets over the emerald waters. This condo offers excellent short-term rental potential, whether you're looking to expand your investment portfolio or own a vacation home that helps generate income while you're away. Gulf Gate has completed its recent milestone inspection updates and remains in good standing with current Florida building and legislative requirements, giving buyers added peace of mind. Quarterly HOA dues are $3,294. With renovated beachfront inventory becoming increasingly limited and Gulfgate condos rarely becoming available, this is your chance to secure a piece of paradise in one of Panama City Beach's most desirable beachfront communities. Schedule your private showing today before this rare opportunity is gone.

Highlights

Listed by Sandi Smith , 229-326-2998 Dalton Wade Inc , 888-668-8283. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

3294.15 Quarterly

Year Built

1973

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Gulfgate Condo

Listing ID

792021

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Electric Range

Exterior Features

Lot Dimensions:0x0
Sewer:Public Sewer
Principal Interest
$2,282
Taxes
$287
HOA
$3,294

Home Price

$450,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$90,000
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:
$2,282.32

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,282.32 $286.88 $3,294.15 $5,863.34
Yearly $27,387.78 $3,442.50 $39,529.80 $70,360.08
Total $821,633.43 $103,275.00 $1,185,894.00 $2,110,802.43

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