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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 1003 , Panama City Beach, FL 32408
$699,950
Est. Payment: $3,550.01/mo
2 Bed
3 Bath
1131 Sqft
Status: active | Days on site: 65
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

RARE GULF-FRONT CORNER UNIT WITH AN OVERSIZED WRAPAROUND BALCONY, RESERVED PARKING SPOT + OWNER FINANCING AVAILABLE AT 2.9% INTEREST RATE! Opportunities like this rarely come available at Shores of Panama. This spectacular Gulf-front corner residence features one of the most sought-after floor plans in the entire resort, highlighted by an enormous wraparound balcony that delivers breathtaking panoramic views of the emerald-green Gulf waters, sugar-white beaches, and the resort's world-famous lagoon-style pool. Unlike standard balconies, this expansive outdoor living space provides multiple seating areas, incredible sunset views, and a front-row seat to everything that makes Panama City Beach one of the Gulf Coast's most desirable destinations. Inside, floor-to-ceiling glass fills the residence with natural light while showcasing stunning water views from nearly every angle. The spacious 2-bedroom plus bunk room, 2.5-bath layout sleeps just like a 3 bedroom and comfortably accommodates family and guests while offering exceptional flexibility and rental appeal. The beautifully appointed kitchen is designed for entertaining, featuring granite countertops, white shaker cabinetry, stainless steel appliances, and abundant workspace for hosting unforgettable beach gatherings. The open-concept living area is enhanced by upscale designer furnishings, custom tile flooring throughout, and absolutely no carpet, creating a sophisticated coastal atmosphere that is both elegant and easy to maintain. Wake up each morning to Gulf views from the luxurious beachfront primary suite, complete with private balcony access and a spacious ensuite bath. Additional guest accommodations include a generously sized guest bedroom and dedicated bunk room, making this residence ideal for large families and vacationing guests. Adding even more value, this residence includes a dedicated parking space located directly outside the unit on the same floor--a rare convenience that allows you to walk straight from your vehicle to your front door without ever waiting on an elevator. Shores of Panama continues to be one of Panama City Beach's premier resort destinations, featuring Florida's largest lagoon-style pool, an expansive tropical pool deck, beachside hot tubs, indoor heated pool, sauna, steam room, fitness center, spa services, on-site dining, and direct beach access. You're also just minutes from Pier Park, waterfront dining, entertainment venues, and the brand-new Topgolf attraction. For buyers looking to maximize affordability, the seller is offering a special financing opportunity, creating an incredible chance to own one of the most desirable Gulf-front corner units in Panama City Beach. Whether you're searching for a luxury beachfront getaway, an income-producing vacation property, or both, this extraordinary residence delivers the views, amenities, location, and lifestyle that buyers dream about. Rare wraparound balcony. Gulf-front corner location. Same-floor parking. Owner financing available. This is the one buyers wait for.

Highlights

Listed by Chad Hatfield , 850-225-6893 RealJoy Realty LLC , 813-376-5621. 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

Listing ID

791406

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 Oven, Electric Water Heater, Ice Maker
Air Cond:Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Balcony, Main Level Primary

Exterior Features

Lot Dimensions:0x0
Zoning:Resort
Others:
  • Additional:Deck, Patio
Sewer:Public Sewer
Parking Features:Additional Parking,Gated,Parking Lot
Principal Interest
$3,550
Taxes
$446
HOA
$0

Home Price

$699,950

Loan Details

30 yrs
6.529%

Down Payment

20%
$139,990
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:
$3,550.01

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,550.01 $446.22 $0.00 $3,996.23
Yearly $42,600.17 $5,354.62 $0.00 $47,954.79
Total $1,278,005.16 $160,638.53 $0.00 $1,438,643.69

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