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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 1408 , Panama City Beach, FL 32408
$325,000
Est. Payment: $1,648.34/mo
1 Bed
2 Bath
864 Sqft
Status: active | Days on site: 33
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

TROPICAL STYLE INSIDE. LAGOON POOL AND GULF VIEWS OUTSIDE. RIGHT BY THE ELEVATORS. Shores of Panama 1408 is an A floor plan in Panama City Beach, offering a one-bedroom plus bunk layout, two full bathrooms, deeded parking, and a convenient 8-stack location just off the bank of elevators. This turnkey, fully furnished condo features coastal décor and furnishings, updated light fixtures, and luxury vinyl plank flooring throughout. The living area is designed for easy use as a short-term rental or personal beach retreat, with open flow into the dining area and kitchen. The kitchen features granite countertops, white appliances, and a white subway tile backsplash. The primary bedroom includes a king-size bed and private bathroom with a tub/shower combo. Near the entry, the bunk area has access to its own full bathroom, giving the floor plan added functionality beyond a standard one-bedroom layout. The balcony offers a strong resort-view setting with lagoon pool views and Gulf views from the 8th floor. Additional details include a deeded parking space on the 7th floor, water heater from 2016, and HVAC from 2006. Shores of Panama Resort features one of the largest Gulf-front lagoon-style pools in Panama City Beach. The zero-entry tropical pool includes palm-lined islands, fountains, and a spacious hot tub along the resort's private beachfront access. Additional amenities include an indoor heated pool and hot tub, a 24-hour fitness center, and a seasonal poolside Tiki bar. Located in the heart of Panama City Beach, Shores of Panama places dining, shopping, and entertainment nearby. Pineapple Willy's is adjacent to the resort, while Laketown Wharf directly across the street offers dining, retail, and entertainment options including Wharf Seafood Buffet, The Candymaker Ice Cream Shop, PCB Pizza, In Cahoots, The Press, The Bun Lab, 810 Billiards & Bowling, salon services, and more. Panama City Beach has also welcomed newer attractions and entertainment venues including Dolly Parton's Pirates Voyage Dinner & Show, Topgolf, McGuire's Irish Pub, and Tootsie's Orchid Lounge. The same owner is also listing Shores of Panama 1410 (MLS 792217), positioned nearby on the same floor. For guests traveling together, the close front-door proximity creates a convenient two-unit setup with the same elevator access, separate private spaces, and more time together without being spread across the resort. HOA dues are $3,326.18 per quarter. One special assessment payment remains in the amount of $1,155.20 (4th quarter of 2026) Approximate Gross rental income was $23,000 in 2024, $28,000 in 2025, and $28,750 year-to-date through the end of June 2026. All information, rental income, HOA fees, assessments, measurements, and property details are deemed reliable but not guaranteed; buyer to verify if important.

Highlights

Listed by Alice de La Penha , 850-771-3150 Coldwell Banker Realty , 850-234-6696. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

3326.18 Quarterly

Year Built

2007

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Shores Of Panama

Listing ID

792192

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:1
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Washer/Dryer Stacked, Electric Oven, Electric Range, Electric Water Heater
Air Cond:Central Air
Fireplaces:
Other:
  • Additional:Main Level Primary

Exterior Features

Lot Dimensions:CONDO
Zoning:Resid Multi-Family
Sewer:Public Sewer
Principal Interest
$1,648
Taxes
$207
HOA
$3,326

Home Price

$325,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$65,000
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:
$1,648.34

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,648.34 $207.19 $3,326.18 $5,181.71
Yearly $19,780.06 $2,486.25 $39,914.16 $62,180.47
Total $593,401.92 $74,587.50 $1,197,424.80 $1,865,414.22

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