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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 2230 , Panama City Beach, FL 32408
$320,000
Est. Payment: $1,622.98/mo
1 Bed
2 Bath
951 Sqft
Status: active | Days on site: 121
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
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House Description

Rare Endcap unit available just listed for sale. Enjoy beautiful Gulf views from this spacious 1-bedroom, 2-bath condo located at the highly desirable Shores of Panama in Panama City Beach. Unit 2230 offers a comfortable and functional layout, perfect for a primary residence, vacation getaway, or investment property. The bedroom provides a private retreat, while the second full bathroom adds convenience for guests. Step out to take in the sights and sounds of the Gulf, just steps from the sugar-white sand and emerald waters. Shores of Panama is known for its prime beachfront location and proximity to dining, shopping, and entertainment, making this an ideal place to enjoy the beach lifestyle. Comes with its own deeded parking space on floor 11.
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Highlights

Listed by Kelly R Zarda , 850-532-8456 Emerald Coast Real Estate & Vacations LLC , 850-290-2355. 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

784391

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:1
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Washer/Dryer Stacked, Electric Range, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:

Exterior Features

Lot:Paved
Lot Dimensions:0x0
Zoning:City
Sewer:Public Sewer
Parking Features:Gated
Principal Interest
$1,623
Taxes
$337
HOA
$0

Home Price

$320,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$64,000
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:
$1,622.98

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,622.98 $336.92 $0.00 $1,959.90
Yearly $19,475.76 $4,043.00 $0.00 $23,518.76
Total $584,272.66 $121,290.00 $0.00 $705,562.66

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