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Harrison Lilly

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

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8730 Thomas Drive 1309a , Panama City Beach, FL 32408
$179,900
Est. Payment: $912.42/mo
1 Bed
1 Bath
303 Sqft
Status: active | Days on site: 39
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

This professionally decorated studio condo in the gated Villas of St. Thomas community offers everything you need for comfortable coastal living, making it highly appealing to potential renters. This completely remodeled turnkey condo is available for rent or immediate occupancy and boasts over $43,000 in upgraded luxury furnishings. The Model T37 Luxury features a bidet and automatic sensors. The bathroom vanity includes a dimmable light display, a cosmetic mirror with power outlets and USB ports, and a foldable and flexible faucet. The bathtub is equipped with a three-way faucet that includes massage control and European-style facets. The bathroom temperature display is foldable and flexible, and the faucet has a sequential time setting with a 110 cfm exhaust fan and timed LED light settings. The kitchen and storage shelving cabinets are customized with soft-closing doors. The copper kitchen sink has an adjustable faucet, and the queen bed features a Beauty Rest hybrid queen mattress. The living area includes two nightstands with USB B and C ports and power outlets, a vanity stand with a sit-down storage chair, and a 75-inch Samsung 4K HD Smart TV. The TV stand has drawers, and there's a Panasonic microwave and a Cuisinart small oven with broil, bake, air fry, toast, and bagel settings. The refrigerator has a freezer, and there are two foldable TV tables. A laundry basket and a shower curtain are also included. The unit underwent a complete renovation in 2025. The drywall was removed and replaced, and the ceiling was stripped and finished with green board. The door trim and floor boards were replaced with solid wood instead of particle board. The oil stain Sherwin Williams paint and primer were hand-painted. The cement flooring was newly floated for a large, 2' x 4' European pink onyx wall-to-wall flooring. All electrical power outlets were replaced to maximize USB and smart home connectivity. Nestled on the third floor, this condo offers a covered patio overlooking the serene lagoon. It provides easy access and a tranquil waterfront setting that both renters and seasonal residents cherish. The practical interior layout boasts beautiful marble flooring throughout. Enhancing the guest experience, the condo offers a range of amenities, including a lagoon-front pool, tennis courts, a clubhouse, sauna, and a community dock with direct access to Grand Lagoon. This dock is perfect for boating, fishing, and kayaking enthusiasts. Short-term rentals are permitted, making this condo an ideal income-producing opportunity from the very start. Situated on the east end of Panama City Beach, it's conveniently close to the shoreline, local restaurants, marinas, and popular attractions. This prime location ensures that renters will return year after year. With its amenities, location, and strong rental demand, this turnkey beach property is an excellent choice for anyone seeking a coastal getaway that can also serve as a lucrative investment.

Highlights

Listed by Phyllis Holloway , 678-613-8804 Coastal Living Realty & Associates , 404-401-2444. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

Year Built

1985

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Plazas Of St.Thomas I

Listing ID

792541

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:1
  • Bathrooms:1
  • Full Bathrooms:1

Exterior Features

Lot Dimensions:0
Zoning:Resort
Others:
  • Additional:Dock
Principal Interest
$912
Taxes
$115
HOA
$0

Home Price

$179,900

Loan Details

30 yrs
6.529%

Down Payment

20%
$35,980
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:
$912.42

Principal

Taxes

Principal Taxes HOA Total
Monthly $912.42 $114.69 $0.00 $1,027.11
Yearly $10,949.03 $1,376.24 $0.00 $12,325.26
Total $328,470.79 $41,287.05 $0.00 $369,757.84

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