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Harrison Lilly Team

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

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9450 S Thomas Drive 1209c , Panama City, FL 32408
$477,000
Est. Payment: $2,635.36/mo
2 Bed
2 Bath
1152 Sqft
Status: Active | Days on site: 170
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BSGC - B7726,B11042
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Harrison Lilly Team
Owner/Operator

House Description

2BR/2BA Gulf-front condo at Boardwalk Central in Panama City Beach. 1,152 sq ft, Gulf-view primary suite, short-term rentals allowed. Built 2005. This 2 bedroom, 2 bath Gulf-front condominium at Boardwalk Central in Panama City Beach offers 1,152 heated and cooled square feet and direct beach frontage at 9450 S Thomas Drive. Built in 2005 and listed at $477,000, the unit is sold furnished, allows short term rentals, and offers immediate occupancy. Located on the 12th floor of a 22 story high rise, Unit 1209C is positioned to balance view height with practical access, giving buyers evaluating investment property, second home, or full time residence options a clear combination of Gulf exposure and rental flexibility. Inside, the layout is designed for durability and efficient turnover. Tile flooring runs throughout the residence for simplified maintenance after beach days, and crown molding adds a finished look across the main living areas. The kitchen includes granite countertops, an oversized breakfast bar with seating for four, brushed nickel appliances, and a dedicated pantry area. The living area opens directly to the Gulf-front balcony, creating a continuous indoor outdoor flow supported by floor to ceiling glass and dedicated outdoor space overlooking the shoreline. The primary bedroom opens directly to the Gulf with approximately 16 feet of floor to ceiling glass framing shoreline views. The ensuite bath includes a double vanity, separate shower, jetted tub, and walk in closet. The guest bedroom is positioned separately from the primary suite, supporting privacy for owners and guests. A stackable washer and dryer are included, allowing immediate personal use or rental readiness. Boardwalk Central is a gated Gulf-front complex with 24 hour security and a structured amenity package. The oversized free form pool, multiple hot tubs, heated features, sun decks, splash pad area, community room, grilling areas, and direct beach access create a setting designed for both recreation and guest appeal. Onsite rental management operates from the lobby level, supporting owners who choose professional rental oversight. Quarterly HOA dues of 3,347.67 include accounting, cable TV, gas, insurance, internet, legal, maintenance grounds and structure, management, pest control, security, sewer, trash, and water, consolidating many recurring ownership expenses. Positioned on S Thomas Drive near the convergence of Thomas Drive and US Highway 98, the location offers access to shopping, dining, entertainment, and St. Andrews State Park while maintaining direct Gulf frontage. For buyers comparing furnished, rental eligible Panama City Beach condominiums built in the mid 2000s, this Boardwalk Central residence delivers documented square footage, established amenities, and true beachfront placement in a professionally managed high rise environment.

Highlights

Listed by Greg B Taylor , 850-896-4173 and Cindy Morehouse , 850-822-1055 Counts Real Estate Group Inc , 850-249-3615. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

Year Built

2005

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Boardwalk Central

Listing ID

782948

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Washer/Dryer Stacked, Electric Cooktop, Electric Oven, Electric Water Heater
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Double Vanity, Jetted Tub, Main Level Primary, Separate Shower, Walk-In Closet(s)

Exterior Features

Lot:Paved
Lot Dimensions:0 x 0
Zoning:Resid Multi-Family
Sewer:Public Sewer
Parking Features:Additional Parking,Paved,Parking Lot
Principal Interest
$2,635
Taxes
$505
HOA
$0

Home Price

$477,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$95,400
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Monthly Price:
$2,635.36

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,635.36 $505.17 $0.00 $3,140.52
Yearly $31,624.28 $6,062.00 $0.00 $37,686.28
Total $948,728.27 $181,860.00 $0.00 $1,130,588.27

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, 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: 2026-10-07T12:26:16.000Z

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