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Harrison Lilly

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

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8715 Surf Drive 2002b , Panama City, FL 32408
$650,000
Est. Payment: $3,296.68/mo
2 Bed
2 Bath
1310 Sqft
Status: active | Days on site: 104
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Enjoy elevated coastal living from this 20th-floor Gulf-front residence at Gulf Crest Condominiums, offering breathtaking panoramic views of emerald waters and sugar-white sands. From the oversized beachfront balcony, dolphins and stingrays are frequently spotted gliding through the surf--an unforgettable daily bonus that truly sets this unit apart. This bright, coastal-style 2-bedroom, 2-bath condo with bonus bunks features a well-designed split floor plan that offers both comfort and privacy, ideal for owners and guests alike. The open living, dining, and kitchen areas are filled with natural light and designed to fully capture the stunning Gulf views, with floor-to-ceiling glass doors leading directly to the expansive balcony--perfect for morning coffee, sunset cocktails, or relaxing to the sound of the waves. The primary suite serves as a peaceful retreat with direct Gulf views and a beautifully updated en-suite bathroom featuring a tiled walk-in shower and double vanity. Recent upgrades include all new furniture (less than two years old), a new refrigerator, stove, master shower, and air conditioner, offering peace of mind and turnkey convenience for the next owner. Hurricane shutters on the oceanfront windows provide added protection and value. The guest bedroom and bunk area provide flexible accommodations, making this layout especially attractive for families and vacation renters. As an added bonus, this unit is approximately 80% booked--nearly fully booked through June--demonstrating strong rental demand and excellent income potential. Gulf Crest Condominiums is a gated, resort-style community featuring two beachfront pools, hot tubs, a tiki bar, fitness center, and direct beach access. Centrally located in the heart of Panama City Beach, the property is less than one mile from Walmart and Walgreens and just minutes from shopping, dining, and entertainment. Whether you're searching for a primary residence, a second home, or a proven income-producing vacation rental, this exceptional unit delivers on views, updates, location, and performance--all while offering the opportunity to personalize over time.

Highlights

Listed by Courtney V Harris , 850-628-9316 Superior Of Florida, LLC. , 850-832-4331. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

Year Built

2004

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Gulf Crest Condo

Listing ID

785546

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:2
  • Full Bathrooms:2

Exterior Features

Lot Dimensions:0x0
Sewer:Public Sewer
Principal Interest
$3,297
Taxes
$611
HOA
$0

Home Price

$650,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$130,000
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:
$3,296.68

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,296.68 $611.17 $0.00 $3,907.84
Yearly $39,560.13 $7,334.00 $0.00 $46,894.13
Total $1,186,803.85 $220,020.00 $0.00 $1,406,823.85

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