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Harrison Lilly

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

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8601 Surf Drive 10w , Panama City, FL 32408
$799,900
Est. Payment: $4,056.94/mo
3 Bed
2 Bath
1783 Sqft
Status: active | Days on site: 93
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to Grande Surf Club--an exclusive Gulf-front retreat where low-density living meets elevated coastal comfort. With only 28 residences and just two per floor, this intimate community offers a rare level of privacy along one of Panama City Beach's most desirable stretches of coastline. This west-end 3-bedroom, 2-bath residence features a spacious, open layout filled with natural light and a wraparound balcony showcasing sweeping coastline views from sunrise to sunset. From the tranquil jetties to the endless Gulf horizon, the backdrop is nothing short of spectacular. The expansive living area flows seamlessly to the balcony, creating the perfect setting for entertaining or simply relaxing to the sound of the waves. The Gulf-front primary suite serves as a private retreat with direct balcony access, dual walk-in closets, double vanities, a jetted soaking tub, and a separate tiled shower--designed for comfort and relaxation. A standout feature of this residence is the covered parking space located under the building, a highly desirable upgrade valued at approximately $50,000--offering both convenience and protection that many units simply do not have. Residents of Grande Surf Club enjoy a heated beachfront pool and a pristine, uncrowded shoreline just steps away. Despite the peaceful, tucked-away feel, you're just a short beach stroll from dining, entertainment, and the upcoming Tootsies venue--blending privacy with accessibility. Recent building enhancements include a complete exterior paint and seal (2024), new fire control system (2025), new domestic water pump, and all structural engineering and elevator inspections current as of 2025--providing confidence in the building's quality and upkeep. Whether you're seeking a full-time residence, second home, or investment opportunity, this is Gulf-front living at its best--refined, private, and truly hard to find in today's market.

Highlights

Listed by David Connart , 850-259-1702 LPT Realty LLC , 877-366-2213. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

Year Built

2000

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Grande Surf Club Condo

Listing ID

788641

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Electric Range, Electric Water Heater
Air Cond:Central Air,Heat Pump
Fireplaces:
Other:
  • Additional:Balcony, Double Vanity, Jetted Tub, Main Level Primary, Separate Shower

Exterior Features

Lot:Paved
Lot Dimensions:0
Zoning:County, Resid Single Family
Roof:Flat
Sewer:Public Sewer
Principal Interest
$4,057
Taxes
$788
HOA
$0

Home Price

$799,900

Loan Details

30 yrs
6.529%

Down Payment

20%
$159,980
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:
$4,056.94

Principal

Taxes

Principal Taxes HOA Total
Monthly $4,056.94 $788.00 $0.00 $4,844.94
Yearly $48,683.30 $9,456.00 $0.00 $58,139.30
Total $1,460,499.08 $283,680.00 $0.00 $1,744,179.08

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