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Harrison Lilly

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

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9900 S Thomas Dr Unit 1903 , Panama City Beach, FL 32408
$620,000
Est. Payment: $3,144.52/mo
2 Bed
3 Bath
1131 Sqft
Status: active | Days on site: 66
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to an extraordinary Gulf-front escape soaring above the sugar-white sands of Panama City Beach from the 19th floor of the renowned Shores of Panama Resort. Offering spectacular panoramic views of the emerald-green waters of the Gulf of Mexico, endless coastline, and the resort's stunning lagoon-style pool, this exceptional residence captures the very essence of luxury coastal living. Beautifully appointed and offered fully furnished, this turnkey 2-bedroom, 3-bath condominium is ready to be enjoyed from day one. Floor-to-ceiling views create a breathtaking backdrop throughout the main living areas, while the expansive private balcony provides the perfect setting to enjoy morning coffee above the shoreline, watch dolphins play in the surf, or unwind as the sun melts into the horizon. Recently renovated bathrooms add a fresh and sophisticated touch, while the thoughtfully designed floor plan offers both comfort and functionality. In addition to the spacious bedrooms, the residence includes a versatile bunk alcove conveniently located adjacent to the half bath, providing additional flexibility for hosting family and guests. Every detail needed for immediate enjoyment is already in place, with furniture, appliances, décor, and household contents conveying with the sale. Whether seeking a personal beachfront sanctuary, a luxury vacation retreat, or a rental-ready investment opportunity, this residence is positioned to deliver an exceptional ownership experience. Included with the property is reserved covered parkin space 8th floor, 1903, within the resort's private parking garage, providing convenience and peace of mind. Shores of Panama remains one of Panama City Beach's most sought-after beachfront destinations, celebrated for its direct beach access, breathtaking tropical lagoon-style pool, indoor pool, hot tubs, fitness center, and impressive resort-style amenities. Ongoing community improvements and enhancements continue to elevate the property's appeal and long-term value. Rarely does an opportunity arise to own a residence that combines such captivating Gulf views, resort luxury, turnkey convenience, and an unbeatable beachfront location. From the moment you step inside, you'll understand why Shores of Panama continues to be one of the most desirable addresses on the Emerald Coast. Buyer to verify all measurements, dimensions, square footage, and any information deemed important.

Highlights

Listed by Opey W Russ , 850-699-1996 and Non Member , 850-699-1996 Gulf Life Real Estate Inc , 850-699-1996. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

Year Built

2007

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Shores Of Panama Phase I

Listing ID

791382

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Washer/Dryer Stacked, Electric Oven, Electric Range, Electric Water Heater
Air Cond:Central Air
Fireplaces:
Other:
  • Additional:Balcony, Main Level Primary, Shower Only, Smart Thermostat

Exterior Features

Lot:Paved
Lot Dimensions:condo
Zoning:Resid Multi-Family
Sewer:Public Sewer
Parking Features:Community Structure
Principal Interest
$3,145
Taxes
$395
HOA
$0

Home Price

$620,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$124,000
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:
$3,144.52

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,144.52 $395.25 $0.00 $3,539.77
Yearly $37,734.28 $4,743.00 $0.00 $42,477.28
Total $1,132,028.29 $142,290.00 $0.00 $1,274,318.29

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

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