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Harrison Lilly

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

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8817 S Thomas Drive A205 , Panama City Beach, FL 32408
$229,000
Est. Payment: $1,161.44/mo
0 Bed
1 Bath
489 Sqft
Status: active | Days on site: 46
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Enjoy Gulf and pool views from this 2nd floor studio at Top of the Gulf, a well-maintained beachfront community that has recently completed major building upgrades. This unit offers all the excitement of poolside activity as well as Gulf views. This turnkey condo is fully furnished and features a functional open layout. The fully equipped kitchen includes stove, refrigerator, dishwasher, microwave, Keurig, dishes, and cookware. Additional features of the unit include Wifi, large TV, comfortable seating, dining for four, and large walk-in closet. Recent building upgrades and amenities include new elevators, resurfaced floors, recently replaced windows and doors, new railings, and complex-wide Wifi. Community amenities include direct beach access, gulf-front pool and kiddie pool, seasonal snack bar, second-story sundeck, and BBQ/picnic areas. Inside the complex you will find a fitness room, game room, owner's lounge with kitchen, public lounge/wifi room, and four laundry rooms on even-numbered floors. Walk to dining, shopping, and attractions. Pineapple Willy's, Tootsie's, Juan Taco, Hersey's Ice Cream, and Alvin's Island are walkable. Ripley's Believe or Not, Coconut Maze, and Signal Hill Golf Course are all nearby. Great opportunity for a low-maintenance beach getaway or income-producing property with great short-term rental potential.

Highlights

Listed by Moe Mossa , 888-490-1268 Savvy Avenue LLC , 888-490-1268. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

Year Built

1976

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Top Of The Gulf Condo.

Listing ID

792220

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:0
  • Bathrooms:1
  • Full Bathrooms:1

Exterior Features

Lot Dimensions:0x0
Principal Interest
$1,161
Taxes
$146
HOA
$0

Home Price

$229,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$45,800
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:
$1,161.44

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,161.44 $145.99 $0.00 $1,307.43
Yearly $13,937.34 $1,751.85 $0.00 $15,689.19
Total $418,120.13 $52,555.50 $0.00 $470,675.63

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