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Harrison Lilly

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

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8205 Surf Dr , Panama City, FL 32408
$2,875,000
Est. Payment: $14,581.46/mo
6 Bed
5 Bath
2856 Sqft
Status: active | Days on site: 545
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Gulf-Front Oasis with Private Saltwater Pool & Excellent Rental Income! This stunning 6-bedroom, 4.5-bath beachfront home offers the ultimate luxury coastal living experience, sitting directly on the sugar-white sands of Panama City Beach--zero steps to the beach! With approximately 2,850 sq. ft., this beautifully designed home provides expansive Gulf views from nearly every room. The open-concept floor plan features a nice kitchen and a spacious living room and dining area, perfect for large gatherings. The living area is bright and airy, with large windows that capture breathtaking sunset views over the Emerald Coast. The two king bedrooms on the main floor are en suite. Upstairs, the four bedrooms offer ample space for guests, each designed with comfort and relaxation in mind; they provide flexibility for families or rental guests, ensuring everyone has their own space to unwind. Step outside to over 1,800 sq. ft. of outdoor decking, including 450 sq. ft. of covered space, ideal for enjoying the soothing sound of the waves or escaping the midday sun. The private saltwater pool is the perfect place to cool off while taking in the unobstructed views of the Gulf of America. With ample parking for boats, motorcycles, or RVs, this home is designed for both relaxation and adventure. Whether you're looking for a primary residence, vacation home, or a high-income rental investment, this property delivers! Proven rental history makes it a turnkey investment opportunity, generating strong and consistent revenue. Located on Surf Drive, this home is just steps from Captain Jack's Crab Leg Buffet and minutes from some of the area's best dining and entertainment, including Schooner's, Grand Marlin and Captain Anderson's. Enjoy easy access to St. Andrews Bay, Shell Island, fishing charters, golf courses, and family attractions. This is your chance to own a piece of paradise on Panama City Beach--schedule your private showing today! $352263 on the books for 2025 and $340000+ for 2026 and over $100000 for 2027 (as of July 9, 2026)

Highlights

Listed by Alexandra Gavrilash , 850-867-5588 and Ben I Golden , 850-333-3583 Counts Real Estate Group Inc , 850-249-1414. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.14

Year Built

2013

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Bel Air

Listing ID

769495

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:6
  • Bathrooms:5
  • Full Bathrooms:4
  • 1/2 Bathrooms:1
Appliances:Electric Oven, Electric Range, Electric Water Heater
Air Cond:Central Air
Fireplaces:
Other:
  • Additional:Main Level Primary

Exterior Features

Lot Dimensions:40 X 150
Zoning:Resid Single Family
Roof:Metal
Others:
  • Additional:Covered Patio, Outdoor Shower
Sewer:Public Sewer
Principal Interest
$14,581
Taxes
$1,486

Home Price

$2,875,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$575,000
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:
$14,581.46

Principal

Taxes

Principal Taxes HOA Total
Monthly $14,581.46 $1,485.92 $0.00 $16,067.37
Yearly $174,977.49 $17,831.00 $0.00 $192,808.49
Total $5,249,324.72 $534,930.00 $0.00 $5,784,254.72

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, 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