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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 2331 , Panama City Beach, FL 32408
$625,000
Est. Payment: $3,169.88/mo
3 Bed
3 Bath
1400 Sqft
Status: active | Days on site: 164
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

ANOTHER MAJOR PRICE IMPROVEMENT -- NOW OFFERED AT JUST $625,000 + SELLER TO PAY OFF THE SPECIAL ASSESSMENT AT CLOSING! This true Gulf-front 3BR/3BA penthouse at Shores of Panama represents one of the most exciting values currently available in the building. Perfectly positioned on the coveted end of the U-shaped resort, Unit 2331 showcases sweeping Gulf views from a rare wrap-around balcony--an exceptional feature that elevates both the owner experience and short-term rental appeal. The penthouse elevation, direct Gulf-front exposure, and spacious three-bedroom, three-bath layout create one of the resort's most desirable configurations. The unit also conveys with a dedicated parking space and private storage closet, valuable extras rarely included with competing properties. Even better, the sellers will pay off the current special assessment at closing, delivering significant savings and added peace of mind for the next owner. Shores of Panama offers a spectacular lagoon-style Gulf-front pool, hot tubs, fitness center, on-site dining, direct beach access, and a prime location within walking distance of Pineapple Willy's, 810 Billiards & Bowling, shopping, dining, and entertainment. With strong rental potential, premium features, and a newly reduced price of $625,000, this is a rare opportunity for investors and second-home buyers to secure a true Gulf-front penthouse at an exceptional value. 🌊💰🏖️

Highlights

Listed by Marcy L O'Donnell , 848-220-5555 Luxe Coastal Realty Group LLC , 848-220-5555. 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

784818

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Electric Range, Electric Water Heater
Other:
  • Additional:Main Level Primary

Exterior Features

Lot Dimensions:N/A
Principal Interest
$3,170
Taxes
$558
HOA
$0

Home Price

$625,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$125,000
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:
$3,169.88

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,169.88 $557.75 $0.00 $3,727.63
Yearly $38,038.58 $6,693.00 $0.00 $44,731.58
Total $1,141,157.55 $200,790.00 $0.00 $1,341,947.55

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