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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 407 , Panama City Beach, FL 32408
$465,000
Est. Payment: $2,358.39/mo
2 Bed
3 Bath
1148 Sqft
Status: active | Days on site: 130
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Low Floor 407, has 3 full baths, and renters love it for that reason. 2 Bedroom, plus bunkroom feels like a 3 bedroom. (Sleeps 8) Parking is a vertical space so close to unit and on same floor. No elevator hassles. New microwave, refrigerator, and LVT flooring. Shores is a rental monster and this floorplan does not disappoint! Same seller has 409 for sale too which would be great to buy them and rent them to friends and family who want to stay together. Shores of Panama is one of the best ROI's on the beach, and when you have a low floor at Shores, with same floor parking - you are Golden! This particular parking space, is very close to the unit, and has a little extra space on the side of it. Currently, Shores of Panama is undergoing a major exterior facelift, and will be so beautiful when complete, which will put your investment well ahead of the others in PCB. The new Florida Condo Requirements are fast approaching for other resorts in town, and Shores of Panama will be complete, ahead of the game, and ready to capitalize maximum profit. Once Shores facelift is complete, there will be no stopping it. It will be the premier place to be in PCB. The price tag on a beachfront low floor unit like this will never be again. Don't miss this opportunity to capitalize on a ''buy now price''. Adding this to your portfolio will ensure years of ROI success. Rentals will continue strong during construction. Shores of Panama is a 23 story Tuscany style condominium complex in the heart of Panama City Beach, and right next door to the world-famous Pineapple Willys restaurant. Shores of Panama has unbeatable amenities, including a massive lazy river style gulf-side pool and hot-tub, tiki bars, food bars, indoor pool, garage parking, and a fitness center. Stucco Construction is complete on this unit, so it's ready for summer rental .

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

4419.5 Quarterly

Year Built

2007

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Shores Of Panama

Listing ID

788034

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Electric Range, Electric Water Heater
Air Cond:Central Air
Fireplaces:
Other:
  • Additional:Double Vanity, Main Level Primary, Soaking Tub, Tub Shower, Walk-In Closet(s)

Exterior Features

Lot Dimensions:0x0
Roof:Flat
Sewer:Public Sewer
Parking Features:Gated
Principal Interest
$2,358
Taxes
$296
HOA
$4,420

Home Price

$465,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$93,000
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:
$2,358.39

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,358.39 $296.44 $4,419.50 $7,074.33
Yearly $28,300.71 $3,557.25 $53,034.00 $84,891.96
Total $849,021.22 $106,717.50 $1,591,020.00 $2,546,758.72

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

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