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Harrison Lilly

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

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8817 Thomas Drive A208 , Panama City Beach, FL 32408
$209,900
Est. Payment: $1,064.57/mo
0 Bed
1 Bath
489 Sqft
Status: active | Days on site: 462
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to Top of the Gulf 208, a beachfront property offering stunning views of the white sands and emerald-green waters of the Gulf of America. This fully furnished studio features floor-to-ceiling windows with beautiful views, two queen beds, a full bathroom, and an updated and open kitchen equipped with everything needed to prepare the perfect meal. Enjoy the sunset after a day of leisure from your residence, vacation home, or investment property. Top of the Gulf offers exceptional coastal views and amenities including 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 for relaxing, laundry facilities, and a small poolside café. The resort is centrally located in Panama City Beach, within minutes of Tootsies, restaurants, shopping, and various local attractions. The HOA fee covers water, sewer, garbage, cable, and internet, ensuring a hassle-free living experience. This charming property won't last long--Schedule your showing today to make this your ideal beach retreat. All information is approximate and should be verified by the buyer if deemed important.

Highlights

Listed by Wendy S Johnson , 804-338-6453 and Laina Dillman , 972-743-9499 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

773250

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:0
  • Bathrooms:1
  • Full Bathrooms:1
Appliances:Electric Range, Electric Water Heater
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
$1,065
Taxes
$187
HOA
$525

Home Price

$209,900

Loan Details

30 yrs
6.529%

Down Payment

20%
$41,980
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:
$1,064.57

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,064.57 $186.67 $525.00 $1,776.24
Yearly $12,774.88 $2,240.00 $6,300.00 $21,314.88
Total $383,246.35 $67,200.00 $189,000.00 $639,446.35

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