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Harrison Lilly

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

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8711 Surf Dr , Panama City Beach, FL 32408
$4,350,000
Est. Payment: $22,060.09/mo
7 Bed
9 Bath
4715 Sqft
Status: active | Days on site: 365
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

If you're looking for an Airbnb powerhouse, you've found it. With an experienced Airbnb host and aggressive pricing strategy, this fully furnished 7-bedroom, 8.5-bath Gulf-front beach house is built to support a high-capacity rental operation. Built in 2025, the property features a heated private pool, parking for up to 9 vehicles, no HOA restrictions, and direct beachfront access. The seller is also building a new construction home next door, creating a unique opportunity for buyers interested in expanding their Gulf-front investment footprint. The approximately 30 x 30 main living area is designed for large groups, with Gulf views from nearly every angle. The chef's kitchen centers around a 10 x 5 island with granite slabs imported from Brazil, dual refrigerators, wraparound seating, and a 75-inch wall-mounted TV. The home also includes 12 smart TVs, a 412-game arcade console, and a third-floor entertainment lounge with room for movies, games, a pool table, or air hockey. The primary suite features 16-foot ceilings, chapel windows overlooking the Gulf, and a private lounge with a coffee and wine bar. More than $150,000 in designer furnishings, accessories, and custom window treatments contribute to the home's turnkey appeal and reduce the need for immediate setup. Hurricane-impact windows, a 10-foot sliding glass door, triple-pane Therma-Tru doors, and a commercial-grade fire suppression system with 24-hour monitoring add notable durability and safety features. Outside, an approximately 30 x 25 beachfront deck overlooks a heated 12 x 23 Gulf-front pool with an 8 x 6 sun shelf and two heaters. A powder-coated aluminum safety fence helps secure the pool area while preserving Gulf views, and reinforced balcony railings provide an additional safety feature. The lot extends to the wet sand, providing direct beachfront access and space for beach gear and jet skis. The home was built on 12 x 12 concrete pilings driven 20 feet deep rather than traditional wood pilings. The exterior also features Hardie Board siding secured with stainless screws and a rust-resistant aluminum roof. Located minutes from Pier Park, Tootsies, Top Golf, and Dolly Parton's Pirates Voyage. 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

Residential

Lot/Acreage
0.28

Year Built

2025

County

Bay

Area

03 - Bay County - Beach

Neighborhood

No Named Subdivision

Listing ID

774047

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:7
  • Bathrooms:9
  • Full Bathrooms:8
  • 1/2 Bathrooms:1
Appliances:ENERGY STAR Qualified Appliances, Gas Oven, Gas Range, Gas Water Heater
Air Cond:Central Air,Ceiling Fan(s),ENERGY STAR Qualified Equipment,Multi Units,Zoned
Fireplaces:
Other:
  • Additional:Balcony, Double Vanity, Separate Shower, Walk-In Closet(s), Storage

Exterior Features

Lot:Paved
Lot Dimensions:Irregular
Roof:Metal
Others:
  • Additional:Covered Patio
Sewer:Public Sewer
Principal Interest
$22,060
Taxes
$1,235

Home Price

$4,350,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$870,000
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:
$22,060.09

Principal

Taxes

Principal Taxes HOA Total
Monthly $22,060.09 $1,235.00 $0.00 $23,295.09
Yearly $264,721.05 $14,820.00 $0.00 $279,541.05
Total $7,941,631.60 $444,600.00 $0.00 $8,386,231.60

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

6%

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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