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Harrison Lilly

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

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9900 S Thomas 220 Dr Unit 220 , Panama City Beach, FL 32408
$475,000
Est. Payment: $2,408.86/mo
2 Bed
3 Bath
1102 Sqft
Status: active | Days on site: 366
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator
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House Description

Included Second floor Deeded Parking spot on the same floor as the unit so no need for an elevator. This delightful condo has been very well cared for and has had many updates. There are 2 bedrooms plus a large cozy bunk room. The double balcony is perfect for enjoying the scenery. This beautiful low floor unit has some of the most beautiful views of the Gulf of Mexico and the beautiful resort style pool. Just go through the 24/7 gated security to the second floor and walk right into your room. Shores of Panama has so many great amenities, you will love the beautiful resort/lagoon style pool, a heated indoor pool, hot tubs, tiki huts serving food and drinks, state of the art fitness center, and so much more. Shores of Panama is conveniently located close to everything Panama City Beach has to offer.
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Highlights

Listed by Michelle Rydeski , 850-890-0052 LPT Realty LLC , 877-366-2213. 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 II

Listing ID

776170

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:1
Appliances:Washer/Dryer Stacked, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater

Exterior Features

Lot Dimensions:0 X 0
Sewer:Public Sewer
Principal Interest
$2,409
Taxes
$427
HOA
$0

Home Price

$475,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$95,000
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:
$2,408.86

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,408.86 $426.89 $0.00 $2,835.75
Yearly $28,906.32 $5,122.64 $0.00 $34,028.96
Total $867,189.66 $153,679.20 $0.00 $1,020,868.86

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

6%

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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