Agent profile image in chat bubble
Agent profile image in chat header

Harrison Lilly

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

Agent profile image in message

9900 S Thomas Dr Unit 1122 , Panama City Beach, FL 32408
$499,000
Est. Payment: $2,530.83/mo
2 Bed
3 Bath
1453 Sqft
Status: active | Days on site: 7
Get Pre-Qualified
VCR-C15903466 - VCR-C159091383,VCR-C159052275

By providing your number, you are expressly consenting, in writing, to receive telemarketing and other messages, including calls or texts at the number you provided above. This consent is not required to purchase any good or service. Message and data rates may apply. Text STOP to cancel.

This site is protected by reCAPTCHA and the GooglePrivacy Policy and Terms of Service apply.

Agent profile image
Harrison Lilly
Owner/Operator

House Description

Experience the ultimate blend of beachfront luxury and high-performing investment potential in this 2BD 3BA +bunk Gulf front condo at Shores of Panama. Located within the highly sought-after and seldom available H-floor-plan stack (only 23 in the entire building), this spacious condo offers an exceptional layout designed for both strong rental returns and unforgettable coastal living. The condo conveys fully furnished and rental-ready, making it an effortless investment opportunity or turnkey beach retreat. This condo features two primary suites with ensuite baths, plus an additional bedroom and a separate bunk room, comfortably accommodating up to 10 guests. With three full bathrooms, the thoughtful configuration maximizes occupancy and guest comfort, making it one of the most versatile and desirable floor-plans in the resort. The open-concept living and dining area (seating for eight) flows seamlessly to an oversized private balcony showcasing sweeping Gulf views, vibrant sunsets, and the resort's iconic lagoon-style pool. This unit also includes one deeded parking space. Shores of Panama is home to the largest Gulf-front lagoon pool in Panama City Beach, with its spectacular 14,000+ sq ft zero-entry lagoon pool with palm-lined islands, fountains, and expansive hot tub. tropical palm islands, fountains, and an oversized hot tub--all just steps from exclusive beachfront access. Owners and guests also enjoy: Indoor heated pool and hot tub, 24-hour fitness center, Seasonal poolside Tiki bar, Covered parking, and On-site security. The location is unbeatable--walk next door to Pineapple Willy's for beachfront dining or cross the street to Laketown Wharf for multiple dining options including The Wharf Buffet, Juan Taco, and LuLu's Bar & Restaurant. Shopping, entertainment, and attractions are all within easy reach. If you're looking for a well-positioned Gulf-front condo with proven rental appeal and unbeatable amenities--this is a standout opportunity. With exterior renovations scheduled to enhance curb appeal and long-term value, this is a strategic opportunity to secure this wonderful gulf front condo--ideal as a personal retreat, income powerhouse, or both. All information and HOA details are believed accurate but should be verified by buyers if important.

Highlights

Listed by Cindy Shoemaker , 850-573-4045 Christies International Real Estate Emerald Coast , 850-213-2800. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

4886.21 Quarterly

Year Built

2007

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Shores Of Panama Phase II

Listing ID

794016

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Electric Oven, Electric Water Heater
Air Cond:Central Air
Fireplaces:

Exterior Features

Lot Dimensions:0x0
Zoning:Resid Multi-Family
Sewer:Public Sewer
Principal Interest
$2,531
Taxes
$455
HOA
$4,886

Home Price

$499,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$99,800
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:
$2,530.83

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,530.83 $454.75 $4,886.21 $7,871.79
Yearly $30,370.01 $5,457.00 $58,634.52 $94,461.53
Total $911,100.19 $163,710.00 $1,759,035.60 $2,833,845.79

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

Never Miss a Property

Be the first to know when a property hits the market.

Current Listings

Last 30 Days
N/A
Aug 2026

Average Price

All Price Ranges
N/A
Aug 2026

Average Days on Market

All Price Ranges
N/A
Aug 2026
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