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Harrison Lilly Team

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

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8817 S Thomas Drive A608 , Panama City Beach, FL 32408
$214,900
Est. Payment: $1,187.29/mo
1 Bath
489 Sqft
Status: Active | Days on site: 90
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EKW5 - E26177
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Harrison Lilly Team
Owner/Operator

House Description

Beachfront Unit under $215,000 🌴 Experience the ultimate beachfront lifestyle at Top of the Gulf, where you can walk to beachfront live music at Tootsies new Orchid Lounge and enjoy a remarkably low monthly HOA fee of just $525.00! Located directly on the 🏖️ sugar-white sands of the Emerald Coast, this *recently remodeled* coastal retreat delivers panoramic Gulf views, spectacular sunrises, and private beach access steps from your door. Spend your days swimming, paddleboarding, or exploring miles of pristine shoreline. After hours, unwind watching waves crash from massive communal balconies or hit a few balls at TopGolf, six miles west. Resort-style amenities feature a Gulf-front swimming pool, kids' pool, fitness center, game room, owners' lounge, BBQ areas, beachside snack & drink bar, shuffleboard, and property-wide Wi-Fi. Major community upgrades--including elevators, windows, doors, railings, and walkways--maximize value and long-term appeal. Perfectly situated on the desirable west end of Thomas Drive, you are minutes from top-tier restaurants, shopping, marinas, and golf. Stroll to Pineapple Willy's, savor fresh Gulf seafood, or explore St. Andrews State Park. Everyday essentials like Walmart, bakeries, dining, gas, and ice cream are completely walkable. Whether you are seeking a lucrative investment, a vacation getaway, or your own beachfront sanctuary, Top of the Gulf offers an unbeatable combination of location, premium amenities, and efficiency.

Highlights

Listed by Evan H Dickson , 850-830-6358 Keller Williams Realty SRB , 850-654-2900. Emerald Coast Multiple Listing Services

Property Type

Condo/Townhome

HOA Fee

Year Built

1976

County

Bay

Area

27 - Bay County

Neighborhood

Top Of The Gulf Condo

Listing ID

1006606

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bathrooms:1
  • ▪ Full Bathrooms:1
Appliances:Dishwasher, Microwave, Refrigerator W/IceMk, Stove/Oven Electric, Water Heater - Elect
Air Cond:Ceiling Fans,Central Air
Fireplaces:
Floor:Floor Tile
Other:
  • ▪ Additional:Owner's Closet

Exterior Features

Lot:Gulf,Shore - Natural
Others:
  • ▪ Additional:Balcony, Deck Covered, Deck Open
Sewer:Community Sewer
Principal Interest
$1,187
Taxes
$215
HOA
$0

Home Price

$214,900

Loan Details

30 yrs
7.374%

Down Payment

20%
$42,980
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:
$1,187.29

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,187.29 $215.41 $0.00 $1,402.70
Yearly $14,247.50 $2,584.86 $0.00 $16,832.36
Total $427,424.96 $77,545.80 $0.00 $504,970.76

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 Emerald Coast Multiple Listing Services, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-10-07T06:31:40.000Z

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