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Harrison Lilly

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

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6505 Thomas Dr Unit 912 , Panama City Beach, FL 32408
$412,000
Est. Payment: $2,089.59/mo
2 Bed
2 Bath
1015 Sqft
Status: active | Days on site: 118
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Harrison Lilly
Owner/Operator

House Description

2BR/2BA Gulf-front condo in Summerhouse, Panama City Beach. 120 sq ft balcony, 2 pools, short-term rentals allowed. Built 1987. This 2 bedroom, 2 bath Gulf-front condominium at Summerhouse Condo in the South Lagoon area of Panama City Beach offers 1,015 square feet and direct beach frontage at 6505 Thomas Drive. Built in 1987 and listed at 422,000, the unit allows short term rentals and is being sold furnished. With 400 feet of Gulf frontage across the complex and onsite rental management, buyers comparing investment property, second home, or full time residence options can evaluate both rental flexibility and amenity depth. Inside, the layout balances durability with comfort, making everyday living or guest turnover straightforward. Tile flooring carries through the kitchen, living area, and baths for easy maintenance after beach days, while the carpeted bedrooms provide a softer retreat at the end of the day. Granite countertops in the kitchen and bathrooms add a finished, cohesive feel. Large sliding glass doors draw natural light into the living area and open directly to the balcony, keeping the Gulf view present even when you are indoors. The balcony itself offers comfortable space for seating and outdoor dining, creating a natural extension of the living area where mornings can begin with coffee overlooking the pools and shoreline and evenings can wind down with the sound of the Gulf in the background. The primary suite is positioned to capture Gulf views and includes private access to the balcony along with an ensuite bath. Waking up to natural light and stepping directly outside is a feature buyers consistently value in true Gulf-front properties. The thoughtfully separated bedroom design places the guest bedroom and second bath apart from the primary suite, offering added privacy and flexibility for owners and visitors. A conveniently located laundry closet with a stackable washer and dryer provides everyday functionality while keeping the main living areas uncluttered. Summerhouse is an established beachfront community known for its extensive amenities and structured management. Two beachfront pools, including one heated seasonally, a kiddie pool, hot tub, tennis courts, pickleball courts, game room, owners lounge, Gulf-front gazebo, and onsite homeowners and rental office all contribute to a setting designed for both enjoyment and ease. Elevators are located throughout the complex for convenient access, and ample paved parking accommodates residents and guests. Owners are permitted to have pets in accordance with association guidelines, and service animals are permitted for guests as required. Monthly HOA dues of 1,264.69 include accounting, cable TV, HOA insurance, internet, legal, maintenance grounds, management, pest control, security, sewer, trash disposal, and water. Positioned on Thomas Drive near St. Andrews State Park and Grand Lagoon, the location offers quick access to boating, fishing, dining, and shopping while maintaining direct beach access. For buyers evaluating furnished, rental-eligible Panama City Beach condominiums, this Summerhouse unit combines true Gulf-front placement, established amenities, and a layout that supports both personal enjoyment and consistent rental appeal. Make this unit ''your Summerhouse''.

Highlights

Listed by Greg B Taylor , 850-896-4173 and Cindy Morehouse , 850-822-1055 Counts Real Estate Group Inc , 850-249-3615. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

Year Built

1987

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Summerhouse Condo.

Listing ID

785448

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Electric Oven, Electric Range, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Balcony, Main Level Primary, Tub Shower

Exterior Features

Lot:Paved
Lot Dimensions:400x700
Zoning:Resid Multi-Family
Sewer:Public Sewer
Parking Features:Additional Parking,Paved,Parking Lot
Principal Interest
$2,090
Taxes
$356
HOA
$0

Home Price

$412,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$82,400
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:
$2,089.59

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,089.59 $356.00 $0.00 $2,445.59
Yearly $25,075.04 $4,272.00 $0.00 $29,347.04
Total $752,251.06 $128,160.00 $0.00 $880,411.06

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: 2026-08-20T09:45:57.000Z

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