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 2103 , Panama City Beach, FL 32408
$560,000
Est. Payment: $2,840.21/mo
2 Bed
3 Bath
1131 Sqft
Status: active | Days on site: 190
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

Price Reduction on this beautiful gulf front condo! Take advantage of this RARE opportunity to own a beautiful, luxurious Gulf front END unit! These 'E Floor Plan' type units rarely come on the market so this is your chance to invest in a Shores of Panama, breathtaking view of the Gulf, with a very competitive short term rental income condo. The wrap around 90 degree balcony provides a breathtaking view of the white sugary sands and of the blue Gulf waters which is only available with the End units. Unit 2103 is perfectly designed as a 2 bedroom with Bunkie's/ 2.5 bath turn-key condo that is fully furnished, and fully stocked (see document section for full inventory list) and is ready to go. Views of the Gulf are seen from both the living room and from the master bedroom. Relax on the wrap around balcony and watch both the Florida sunrises and the Florida sunsets as you enjoy your morning coffee and your evening glass of wine. Don't forget as you watch, look for the dolphins! Please see the video tour of this condo in this listing to get the full effect of what this condo offers and of what the Shores of Panama grounds offer. See documents section for everything you need! Shores of Panama Resort Condominiums are world-renowned for their massive resort-style lagoon pool that is complete with a hot tub and Tiki bars. The other amenities include an indoor heated pool, a spa, a fitness center, a sauna, a steam room, and in-resort shopping. There is also a banquet hall located on site for 'winter time' entertainment and for guest activities that the staff puts on year round for fun and enjoyment! Shores of Panama is also located right next to Pineapple Willys, which is also a renowned fabulous beach front restaurant. This unit is managed by a STR company so it is fully operated and easily able to switch over. Come see this picturesque condominium unit and visit the grounds of Shores of Panama and you will fall in love with this complex. Enjoy all it has to offer! Please text agent for the new 2026 revenue, earnings, and bookings sheet.

Highlights

Listed by Elaine G Fenster , 850-704-2051 Coastal Palms Real Estate , 716-912-1447. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

4354.06 Quarterly

Year Built

2007

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Shores Of Panama

Listing ID

784191

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
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Main Level Primary, Tub Shower

Exterior Features

Lot:Paved
Lot Dimensions:CONDO
Zoning:Resid Multi-Family
Sewer:Public Sewer
Parking Features:Electric Gate,Gated,Paved
Principal Interest
$2,840
Taxes
$498
HOA
$4,354

Home Price

$560,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$112,000
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:
$2,840.21

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,840.21 $498.17 $4,354.06 $7,692.44
Yearly $34,082.57 $5,978.00 $52,248.72 $92,309.29
Total $1,022,477.16 $179,340.00 $1,567,461.60 $2,769,278.76

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