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Harrison Lilly

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

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9860 S Thomas Dr Unit 101 , Panama City, FL 32408
$415,000
Est. Payment: $2,104.80/mo
3 Bed
3 Bath
1483 Sqft
Status: active | Days on site: 532
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Rare opportunity to own a spectacular turn key 3 bedroom plus bunk room with window and closet, 3-bathroom condo in the coveted Laketown Wharf condominium, perfectly positioned in the heart of Panama City Beach, Florida. This beautifully appointed end unit has been thoughtfully updated with new paint and flooring creating a modern and inviting atmosphere. This condo features two luxurious master bedrooms with private access to a spacious wraparound balcony, allowing you to soak in stunning views and gentle ocean breezes. This property is designed for both relaxation and entertainment. In addition to the master suites, you'll find a charming room with a built-in bunk bed and a spacious closet, perfect for kids or guests, and another inviting room that shares a large bathroom with that room. The layout is ideal for creating lasting memories with family and friends or capitalizing on its current success as a vacation rental or second home. Laketown Wharf boasts an impressive array of amenities, including **five stunning pools** where you can take a refreshing dip or lounge under the sun. You'll also enjoy exclusive access to the beach with the **private beach access **, just steps from your door, perfect for swimming, sunbathing, or leisurely strolls along the shoreline.For those who love convenience, the property offers an array of **shops and restaurants**, all within easy reach, elevating your vacation experience. Whether you're craving seafood, local cuisine, or a quick snack, you're just a walk away from satisfying your appetite. Plus, with **Walmart directly across the street**, daily necessities are never out of reach, making your stay even more effortless. With easy access and no need for an elevator, this end unit condo is a practical choice for families and vacationers alike. Ample parking is conveniently located close to your unit, ensuring hassle-free arrivals and departures.Invest in this exceptional condo at Laketown Wharf and enjoy the best of coastal living, whether as a personal retreat or a lucrative vacation rental. This rare offering won't last long—schedule your private tour today and step into your dream lifestyle by the beach!With easy access and no need for an elevator, this end unit condo is a practical choice for families and vacationers alike. Ample parking is conveniently located close to your unit, ensuring hassle-free arrivals and departures.Invest in this exceptional condo at Laketown Wharf and enjoy the best of coastal living, whether as a personal retreat or a lucrative vacation rental. This rare offering won't last long—schedule your private tour today and step into your dream lifestyle by the beach!

Highlights

Listed by Mowayne Copeland , 850-276-1478 Keller Williams Success Realty , 850-249-0313. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

1175.91 Monthly

Year Built

2008

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Laketown Wharf

Listing ID

768813

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Electric Oven, Electric Range, Electric Water Heater
Air Cond:Central Air
Fireplaces:
Other:
  • Additional:Main Level Primary

Exterior Features

Lot Dimensions:condo
Sewer:Public Sewer
Parking Features:Parking Lot
Principal Interest
$2,105
Taxes
$302
HOA
$1,176

Home Price

$415,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$83,000
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:
$2,104.80

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,104.80 $301.75 $1,175.91 $3,582.46
Yearly $25,257.62 $3,621.00 $14,110.92 $42,989.54
Total $757,728.61 $108,630.00 $423,327.60 $1,289,686.21

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