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Harrison Lilly

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

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8817 S Thomas Drive A804 , Panama City Beach, FL 32408
$259,000
Est. Payment: $1,313.60/mo
0 Bed
1 Bath
489 Sqft
Status: active | Days on site: 7
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to Unit A804 at The Top of the Gulf, a beautifully renovated top-floor Gulf-front condo offering the perfect combination of coastal charm, modern comfort, and exceptional investment potential. Located on the 8th floor, this residence enjoys one of the most desirable positions in the building -- ''TOP FLOOR UNIT''means added peace and quiet for owners and guests alike. Thoughtfully updated and sold fully furnished, the condo features stylish coastal-inspired furnishings and décor, creating a bright, welcoming atmosphere that is completely turnkey and rental-ready. Major upgrades include a brand-new HVAC system and a self-draining dehumidifier installed approximately 2½ years ago, providing enhanced comfort, efficiency, and peace of mind. For investors, this property checks every box. The condo offers a proven rental history with future bookings already in place through April 2027, including confirmed reservations in September, March, and April, allowing a new owner to begin generating income immediately. Perfectly situated in the heart of Panama City Beach, The Top of the Gulf places you just minutes from great dining, shopping, and recreational activities. And for those seeking entertainment, the newly opened Tootsie's Orchid Lounge is only a 5-minute walk up the beach, adding even more excitement and value to this prime location. Whether you're searching for a personal beach retreat, a second home, or a high-performing income property, Unit A804 delivers turnkey Gulf-front living with established rental income and future reservations already secured. Don't miss this opportunity to own a top-floor beachfront condo in one of Panama City Beach's most convenient and sought-after locations at a GREAT PRICE POINT!!

Highlights

Listed by Scott Suber , 850-830-3266 Beach Haven Realty , 770-596-6599. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

525 Monthly

Year Built

1976

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Top Of The Gulf Condo.

Listing ID

793163

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:0
  • Bathrooms:1
  • Full Bathrooms:1
Appliances:Electric Oven, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:

Exterior Features

Lot:Paved
Lot Dimensions:0x0
Zoning:Resid Multi-Family, Resort
Sewer:Public Sewer
Principal Interest
$1,314
Taxes
$165
HOA
$525

Home Price

$259,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$51,800
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:
$1,313.60

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,313.60 $165.11 $525.00 $2,003.71
Yearly $15,763.19 $1,981.35 $6,300.00 $24,044.54
Total $472,895.69 $59,440.50 $189,000.00 $721,336.19

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