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Harrison Lilly

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

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8715 Surf Dr Unit 1606 , Panama City, FL 32408
$658,900
Est. Payment: $3,341.82/mo
2 Bed
2 Bath
1310 Sqft
Status: active | Days on site: 409
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Live the coastal dream in this beautifully updated 2-bedroom, 2-bathroom Gulf-front condo with bonus bunks, located on the 16th floor of the sought-after Gulf Crest Condominiums. This spacious unit features an open-concept layout, wide-open views of the Gulf, and an expansive beachfront balcony—perfect for morning coffee, sunset cocktails, or simply soaking in the sounds of the surf. Thoughtfully upgraded throughout, the condo includes new appliances, a new A/C, and a new hot water heater for enhanced comfort and efficiency. Both bedrooms feature new plank style tile flooring along with new mattresses and comforter sets. A new dining table and chairs complement the bright and airy space, while updated light fixtures in the kitchen and bathrooms add a modern touch. Freshly painted and decorated with coastal charm, the unit also includes new balcony furniture to enjoy the panoramic Gulf views. Whether you're looking for a primary residence, a second home, or an excellent vacation rental opportunity, this condo checks every box. Gulf Crest offers resort-style amenities including two beachfront pools, hot tubs, a tiki bar, fitness center, and direct beach access—all in the heart of Panama City Beach.

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

771986

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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
$3,342
Taxes
$572
HOA
$0

Home Price

$658,900

Loan Details

30 yrs
6.529%

Down Payment

20%
$131,780
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:
$3,341.82

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,341.82 $571.67 $0.00 $3,913.48
Yearly $40,101.80 $6,860.00 $0.00 $46,961.80
Total $1,203,053.93 $205,800.00 $0.00 $1,408,853.93

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