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

Harrison Lilly Team

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

Agent profile image in message

By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from , its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
main property photo 0
main property photo 1
main property photo 2
main property photo 3
main property photo 4
main property photo 5
main property photo 6
main property photo 7
main property photo 8
main property photo 9
main property photo 10
main property photo 11
main property photo 12
main property photo 13
main property photo 14
main property photo 15
main property photo 16
main property photo 17
main property photo 18
main property photo 19
main property photo 20
main property photo 21
main property photo 22
main property photo 23
main property photo 24
main property photo 25
main property photo 26
main property photo 27
main property photo 28
main property photo 29
main property photo 30
main property photo 31
main property photo 32
main property photo 33
main property photo 34
main property photo 35
main property photo 36
main property photo 37
main property photo 38
main property photo 39
main property photo 40
main property photo 41
main property photo 42
main property photo 43
main property photo 44
main property photo 45
main property photo 46
main property photo 47
main property photo 48
main property photo 49
main property photo 50
main property photo 51
main property photo 52
main property photo 53
main property photo 54
main property photo 55
main property photo 56
main property photo 57
main property photo 58
main property photo 59
main property photo 60
View All (61)
property photo 1
property photo 2
property photo 3
9900 S Thomas Dr Unit 2231 , Panama City Beach, FL 32408
$640,000
Est. Payment: $3,535.91/mo
3 Bed
3 Bath
1400 Sqft
Status: Active | Days on site: 245
Get Pre-Qualified
ECRV - B9365
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from Harrison Lilly Team, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
Agent profile image
Harrison Lilly Team
Owner/Operator
View agent profile
Email
Call

House Description

Spacious 3BR/3BA gulf front wrap around condo at Shores of Panama, one of Panama City Beach's most popular Gulf-front resorts. Unit 2231 features an open-concept living and dining area, a functional kitchen with ample cabinetry, and generously sized bedrooms with three full bathrooms—ideal for full-time living, a second home, or investment use. Enjoy resort-style amenities including a lagoon-style pool, indoor heated pool, hot tub, fitness center, on-site bar & grill, and covered parking. Centrally located in the heart of PCB, just minutes from dining, shopping, and entertainment. This condo comes with its own deeded storage unit (very large) outside the condo with electricity and refrigerator. Also comes with it's own very valuable parking spot on floor 2.
Show more

Highlights

Listed by Kelly R Zarda , 850-532-8456 Emerald Coast Real Estate & Vacations LLC , 850-290-2355. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

4707.98 Quarterly

Year Built

2007

County

Bay

Area

03 - Bay County - Beach

 Neighborhood

Shores Of Panama

Listing ID

784392

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Washer/Dryer Stacked, Electric Range, Electric Water Heater, Ice Maker
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Balcony, Tub Shower

Exterior Features

Lot:Paved
Lot Dimensions:0x0
Zoning:Resort
Sewer:Public Sewer
Parking Features:Gated
Principal Interest
$3,536
Taxes
$521
HOA
$4,708

Home Price

$640,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$128,000
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:
$3,535.91

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,535.91 $520.75 $4,707.98 $8,764.64
Yearly $42,430.89 $6,249.00 $56,495.76 $105,175.65
Total $1,272,926.81 $187,470.00 $1,694,872.80 $3,155,269.61

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

Never Miss a Property

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

Current Listings

Last 30 Days
N/A
Oct 2026

Average Price

All Price Ranges
N/A
Oct 2026

Average Days on Market

All Price Ranges
N/A
Oct 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: 2026-10-07T08:07:44.000Z

© 2026 Bay County Association of REALTORS