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Harrison Lilly

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

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8715 Surf Drive 1601a , Panama City, FL 32408
$889,000
Est. Payment: $4,508.84/mo
3 Bed
2 Bath
1801 Sqft
Status: pending | Days on site: 25
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Located on the 16th floor, this exceptional Gulf-front 3-bedroom, 2-bath residence offers breathtaking, unobstructed views of the emerald waters and sugar-white beaches from every bedroom and the expansive wraparound balcony. Meticulously upgraded with approximately $250,000 in improvements, this residence has been transformed with a new HVAC system, beautifully renovated bathrooms, a designer kitchen featuring marble countertops and a custom tile backsplash, all-new appliances, and stylish new furnishings throughout. Designed for both comfort and elegance, the open-concept floor plan also features a Gulf-front primary suite, split-bedroom layout for added privacy, crown molding, and 9-foot ceilings that enhance the home's bright, spacious feel. Located in the highly sought-after Gulf Crest community, owners and guests enjoy an impressive collection of resort-style amenities, including two beachfront pools, a hot tub, kiddie pool, fitness center, tiki bar and grill, game room, gazebo, gated entry, and assigned covered parking. For investors, this property presents an outstanding opportunity. Gulf Crest is a proven vacation destination with strong rental demand driven by its prime beachfront location, spacious three-bedroom floor plans that comfortably accommodate families and larger groups, and convenient access to restaurants, shopping, entertainment, and popular attractions. Offered in pristine, turnkey condition, this residence is ready to generate rental income immediately or serve as a private coastal retreat before entering the vacation rental market. Whether you're searching for a high-performing investment property, a luxurious second home, or a full-time beachfront residence, this Gulf-front condo offers the perfect combination of location, lifestyle, quality, and lasting value.

Highlights

Listed by The Wheeler Sauls Collective , 850-527-2275 Salty Marlin Realty LLC , 850-615-2406. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

3758 Quarterly

Year Built

2004

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Gulf Crest Condo

Listing ID

792588

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Electric Range
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Balcony, Double Vanity, Walk-In Closet(s)

Exterior Features

Lot:Paved
Lot Dimensions:0x0
Zoning:Resid Multi-Family
Sewer:Public Sewer
Parking Features:Additional Parking,Gated
Principal Interest
$4,509
Taxes
$567
HOA
$3,758

Home Price

$889,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$177,800
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:
$4,508.84

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $4,508.84 $566.74 $3,758.00 $8,833.58
Yearly $54,106.08 $6,800.85 $45,096.00 $106,002.93
Total $1,623,182.50 $204,025.50 $1,352,880.00 $3,180,088.00

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