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Harrison Lilly Team

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

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6609 Thomas Dr Unit 205 , Panama City, FL 32408
$669,000
Est. Payment: $3,696.13/mo
2 Bed
2 Bath
1427 Sqft
Status: Active | Days on site: 69
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Harrison Lilly Team
Owner/Operator

House Description

Coral Reef is a highly rated Gulf front complex where you KNOW you are in the right place the moment you arrive. It is in a fantastic location on Thomas Drive, close to St Andrews State Park and several area marinas. Some of the best restaurants and grocery stores on the beach are within a 5-minute drive from your condo. You're lucky that a 2nd-floor unit with a fabulous view is now available in the 82 unit, 14-story building. The Master Bedroom is beachfront in this popular and roomy 2 Bedroom-2 Bath 1427 square foot ''split'' plan with 9 foot ceilings. With many upgrades, you will have access to your large private balcony, two pools, a lounge, a sunning area, a gazebo, a grilling area, and a gym. The sugar sand and emerald water is there for a wonderful backdrop before the orange sunsets appear. Don't let too many moons go by before you secure a wonderful investment for your future! Being on the coast is a thrill, but owning at Coral Reef is EUPHORIA! Grab the opportunity while it exists! Inventory here is hard to find.

Highlights

Listed by Holli Persall , 850-866-8195 ERA Neubauer Real Estate Inc , 850-230-3665. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

3345 Quarterly

Year Built

1999

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Coral Reef Condo

Listing ID

792508

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 Range
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Double Vanity, Main Level Primary

Exterior Features

Lot:Paved
Lot Dimensions:0 x 0
Parking Features:Parking Lot
Principal Interest
$3,696
Taxes
$522
HOA
$3,345

Home Price

$669,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$133,800
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:
$3,696.13

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,696.13 $522.05 $3,345.00 $7,563.17
Yearly $44,353.54 $6,264.55 $40,140.00 $90,758.09
Total $1,330,606.31 $187,936.50 $1,204,200.00 $2,722,742.81

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, 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: 2026-10-07T08:07:44.000Z

© 2026 Bay County Association of REALTORS