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Harrison Lilly

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

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9860 S Thomas Dr Unit 108 , Panama City Beach, FL 32408
$330,000
Est. Payment: $1,673.70/mo
3 Bed
2 Bath
1262 Sqft
Status: active | Days on site: 45
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

WHIMSICAL COASTAL STYLE. LAKEFRONT BALCONY VIEWS. FIRST RESIDENTIAL LEVEL CONVENIENCE. Laketown Wharf 108 is beautifully updated, thoughtfully styled, and full of beach-inspired personality. This spacious three-bedroom, two-bathroom split-bedroom floor plan has been extensively refreshed within the past year. From the furnishings and décor to the lighting, finishes, and updated details, this residence is move-in ready and equally suited as a primary residence, second home, or vacation rental investment. The primary suite overlooks the lake and features sliding glass door access to the large balcony. The ensuite bathroom includes double vanities, a soaking tub with decorative tile surround, a large walk-in shower, and updated fixtures. On the opposite side of the residence, a guest bedroom and bunk room share a full bathroom, creating privacy for owners and guests alike. A modern barn door with frosted glass panels provides privacy to the bunk room while also concealing the full-size stacked front-load washer and dryer. Throughout the residence, you'll find updated faucets, fresh paint, new lighting, ceiling fans, flat-screen TVs, and polished coastal décor with a distinctive Mermaid Cove feel. The owner's attention to detail is evident throughout, and the combination of furnishings, colors, lighting, and décor creates a residence that feels curated, memorable, and ready to enjoy from day one. The kitchen has been thoughtfully updated with River White granite countertops, an extended granite island with beveled corners, tile backsplash, all-new stainless-steel appliances, a deep undermount stainless steel sink, and an upgraded designer faucet. Luxury vinyl plank flooring runs throughout the living areas, with tile flooring in the bathrooms. Step outside onto the oversized balcony, fully furnished with a dining table and multiple seating areas overlooking the Laketown Wharf boardwalk, lake, and the famous nightly fountain show. From the primary bedroom and balcony, you'll also enjoy views of the iconic WonderWorks Upside Down House and Ripley's Believe It or Not!, two of Panama City Beach's most recognizable landmarks. Located on the first residential level, this residence offers convenient access without depending on elevators, although the elevators are located near the front door. The unit is also conveniently positioned near the owner's parking garage. Additional improvements include a new water heater installed in 2025 and a brand-new HVAC system installed in June 2026. This residence is owner-occupied and meticulously maintained. Some personal items do not convey with the sale. Laketown Wharf is known for its extensive amenity package, including five pools, two hot tubs, a Gulf-view fitness center, pickleball courts, mini golf, a playground, and a 52,000-square-foot boardwalk surrounding the lake with a nightly fountain and light show. The property also offers gated beach access next door to Pineapple Willy's, on-site dining and entertainment, two parking garages, barbecue areas, pet areas, and additional resort conveniences. HOA dues are $1,065.20 per month and include water, sewer, trash, cable/TV, pest control, WiFi, and access to amenities. All information is deemed reliable but should be verified by the buyer if important.

Highlights

Listed by Alice de La Penha , Coldwell Banker Realty , 850-234-6696. Emerald Coast Multiple Listing Services

Property Type

Condo/Townhome

HOA Fee

Year Built

2008

County

Bay

Area

27 - Bay County

Neighborhood

Laketown Wharf

Listing ID

1005464

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Dishwasher, Disposal, Dryer, Microwave, Refrigerator, Stove/Oven Electric, Washer, Water Heater - Elect
Air Cond:Central Air
Fireplaces:
Floor:Floor Tile
Other:
  • Additional:Breakfast Bar, Kitchen Island, Lighting Track, Owner's Closet, Pantry, Washer/Dryer Hookup

Exterior Features

Lot:Lake
Others:
  • Additional:Balcony
Sewer:Community Sewer
Parking Features:Garage
Principal Interest
$1,674
Taxes
$259
HOA
$0

Home Price

$330,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$66,000
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:
$1,673.70

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,673.70 $258.60 $0.00 $1,932.30
Yearly $20,084.37 $3,103.23 $0.00 $23,187.60
Total $602,531.19 $93,096.90 $0.00 $695,628.09

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 Emerald Coast Multiple Listing Services, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-08-20T06:32:47.000Z

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