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Harrison Lilly Team

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

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8817 Thomas Drive A210 , Panama City Beach, FL 32408
$199,999
Est. Payment: $1,104.97/mo
1 Bath
489 Sqft
Status: Active | Days on site: 544
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Harrison Lilly Team
Owner/Operator

House Description

PRICE IMPROVEMENT - $199,999! Don't miss your opportunity to own a beachfront condo at this price! Welcome to Top of the Gulf 210, a beachfront property with spectacular views of the sugar white sands and emerald-green waters of the Gulf of America. This cozy studio is being sold fully furnished and it features floor-to-ceiling windows with beautiful views, a queen bed, a sleeper sofa, and a fully equipped kitchen with everything you need to whip up the perfect meal. Watch the sunset after a fun-filled day from your residence, vacation home or investment property. Top of the Gulf has both spectacular coastal views and excellent amenities which include beach access, a large Gulf side pool, separate Kiddie pool, game room, shuffleboard court, fitness center, owners lounge, BBQ grills, picnic areas, large Adirondack chairs to relax in, laundry facilities, and a small poolside café. The resort is nestled in the heart of Panama City Beach, just minutes from restaurants, shopping, and many local attractions. Your HOA fee covers water, sewer, garbage, cable, and internet, ensuring you enjoy a hassle-free living experience. This charming property is ready for YOU--schedule your showing today and make it your perfect beach retreat! All information is approximate and should be verified by buyer if important.

Highlights

Listed by Laina Dillman , 972-743-9499 and Wendy S Johnson , 804-338-6453 Lifes A Beach Real Estate, LLC , 850-249-9111. 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

768936

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bathrooms:1
  • ▪ Full Bathrooms:1
Appliances:Electric Range
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Shower Only

Exterior Features

Lot:Paved
Lot Dimensions:0x0
Sewer:Public Sewer
Parking Features:Parking Lot
Principal Interest
$1,105
Taxes
$187
HOA
$525

Home Price

$199,999

Loan Details

30 yrs
7.374%

Down Payment

20%
$40,000
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:
$1,104.97

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,104.97 $186.67 $525.00 $1,816.63
Yearly $13,259.59 $2,240.00 $6,300.00 $21,799.59
Total $397,787.64 $67,200.00 $189,000.00 $653,987.64

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

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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: 2026-10-07T08:07:44.000Z

© 2026 Bay County Association of REALTORS