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Harrison Lilly Team

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

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3600 Thomas Drive D207 , Panama City Beach, FL 32408
$210,000
Est. Payment: $1,160.22/mo
1 Bed
1 Bath
656 Sqft
Status: Active | Days on site: 1
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LPA - B11443,BD494
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Harrison Lilly Team
Owner/Operator

House Description

AFFORDABLE BEACH GETAWAY WITH BOATING ACCESS & SHORT-TERM RENTAL POTENTIAL! Welcome to Treasure Cove, where coastal living, convenience, and affordability come together. This charming 2nd floor, 1-bedroom, 1-bath condo offers the perfect opportunity for a beach getaway, second home, or short term rental investment. The unit has never been used as a short term rental, giving the next owner a fresh opportunity to make it their own. Located directly on the lagoon, Treasure Cove offers a pool and boat dock available for owners to enjoy, with Gulf access right from the property. Spend the day boating, fishing, or cruising to Shell Island, just approximately 5 minutes away by boat. Offshore fishing charters, jet ski and pontoon rentals, and the famous Sea Screamer cruise are conveniently located next door. One of the best features of this location is the balance--it's tucked away from the heavier traffic and noise while still being close to all the action. Beach Access #2 is within walking distance, giving you easy access to the beautiful white sand beaches of the Gulf. Whether you're looking for an affordable place at the beach, a second home that can potentially help pay for itself, or an investment opportunity in a highly desirable location, this Treasure Cove condo checks all the boxes!

Highlights

Listed by Lexi L Hinson , 229-456-0178 and Nathan Lawrence , 850-783-2302 Legacy Premier Agency , 850-468-2100. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

455 Monthly

Year Built

1985

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Treasure Cove

Listing ID

796309

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:1
  • ▪ Bathrooms:1
  • ▪ Full Bathrooms:1
Appliances:Electric Cooktop, Electric Oven, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Main Level Primary, Tub Shower

Exterior Features

Lot:Paved
Lot Dimensions:0
Others:
  • ▪ Additional:Dock
Parking Features:Parking Lot
Principal Interest
$1,160
Taxes
$135
HOA
$455

Home Price

$210,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$42,000
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:
$1,160.22

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,160.22 $134.58 $455.00 $1,749.80
Yearly $13,922.64 $1,614.99 $5,460.00 $20,997.63
Total $417,679.11 $48,449.70 $163,800.00 $629,928.81

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: 2026-10-06T23:58:41.000Z

© 2026 Bay County Association of REALTORS