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Harrison Lilly

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

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8618 Surf Dr Unit 208 , Panama City Beach, FL 32408
$249,900
Est. Payment: $1,267.45/mo
1 Bed
1 Bath
576 Sqft
Status: active | Days on site: 14
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to Ocean Terrace Condominiums! This adorable second-floor, one-bedroom, one-bath condo is located directly across the street from the Gulf of Mexico and offers beautiful Gulf views. The open-concept floor plan features a spacious breakfast bar with ample counter space for meal preparation, a pantry, and a dining area perfect for enjoying your morning coffee or evening meal. The living area includes a convenient Murphy bed, providing additional sleeping accommodations. Tile flooring extends throughout the main living areas, while the bedroom is carpeted. The bathroom features a walk-in shower. Recent improvements include the replacement of all exterior windows with tinted, hurricane-rated windows, along with a new front entry door. Community amenities include a Gulf-front swimming pool and a covered picnic pavilion overlooking the beach. Restaurants, local attractions, shopping, and entertainment are all just a short walk away, while St. Andrews State Park is only minutes away for boating, fishing, kayaking, hiking, and exploring one of the area's most scenic coastal parks. Whether you're looking for a private beach retreat or a vacation rental opportunity, this turn-key ready condo offers beautiful Gulf views and a location that's just steps from the sugar-white sands of Panama City Beach.

Highlights

Listed by Darlene Tate , 850-890-9309 RC Real Estate Group , 850-249-6100. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

1621.88 Quarterly

Year Built

1982

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Ocean Terr. Condo.

Listing ID

793632

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:1
  • Bathrooms:1
  • Full Bathrooms:1
Appliances:Electric Range, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Shower Only

Exterior Features

Lot:Paved
Lot Dimensions:0x0
Sewer:Public Sewer
Parking Features:Paved,Parking Lot
Principal Interest
$1,267
Taxes
$177
HOA
$1,622

Home Price

$249,900

Loan Details

30 yrs
6.529%

Down Payment

20%
$49,980
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:
$1,267.45

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,267.45 $176.61 $1,621.88 $3,065.94
Yearly $15,209.35 $2,119.35 $19,462.56 $36,791.26
Total $456,280.43 $63,580.50 $583,876.80 $1,103,737.73

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: 2026-08-20T09:45:57.000Z

© 2026 Bay County Association of REALTORS