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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 2218 , Panama City Beach, FL 32408
$415,000
Est. Payment: $2,104.80/mo
2 Bed
3 Bath
1066 Sqft
Status: active | Days on site: 67
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to Shores of Panama Unit 2218, a beautifully updated Gulf-front condo for sale in Panama City Beach offering stunning Gulf views, resort-style amenities, direct beach access, and strong short-term rental potential. Located on the 22nd floor, this 2-bedroom + bunk, 3-bath beachfront condo features an open-concept layout with floor-to-ceiling glass doors leading to your private balcony-perfect for enjoying the emerald waters and white sand beaches of the Gulf of Mexico. This turnkey, Panama City Beach condo has been fully updated in 2024, including new flooring, updated furniture package, new appliances, and new HVAC system, providing both style and peace of mind. The spacious layout comfortably accommodates larger groups, making it ideal for a high-performing vacation rental or Airbnb investment in Panama City Beach. Shores of Panama offers unmatched resort-style amenities including a lagoon-style Gulf-front pool, indoor heated pool & hot tub, beachfront tiki bar & grill, fitness center & spa, direct beach access, covered parking and security Located on Front Beach Road, just steps from Pineapple Willy's and minutes to shopping, dining, and entertainment, this is one of the most sought-after beachfront condo communities in Panama City Beach. Whether you're searching for a Panama City Beach condo for sale, a short-term rental investment, or a second home on the Gulf Coast, this property delivers exceptional value, lifestyle, and income potential. Don't miss this opportunity--schedule your private showing today and secure your piece of paradise at Shores of Panama.

Highlights

Listed by Kelly McDaniel , 850-890-8156 Counts Real Estate Group Inc , 850-249-3615. 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

788428

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:Electric Range, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Double Vanity

Exterior Features

Lot:Paved
Lot Dimensions:N/A
Sewer:Public Sewer
Principal Interest
$2,105
Taxes
$397
HOA
$0

Home Price

$415,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$83,000
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:
$2,104.80

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,104.80 $396.50 $0.00 $2,501.30
Yearly $25,257.62 $4,758.00 $0.00 $30,015.62
Total $757,728.61 $142,740.00 $0.00 $900,468.61

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