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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 1304 , Panama City Beach, FL 32408
$265,000
Est. Payment: $1,344.03/mo
1 Bed
2 Bath
1047 Sqft
Status: active | Days on site: 363
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

HIGH FLOOR. LOW STACK. THE BEST VIEWS. This 13th-floor unit near the southeast end of Laketown Wharf offers stunning Gulf views from the living room and balcony, plus peaceful golf course and lagoon views from the front entry. Located in the desirable fourth stack--close to the elevator but away from heavy foot traffic--this 1-bedroom, 2-bath condo also includes a dedicated bunk area with a double bed on the bottom bunk, comfortably accommodating up to six. Used exclusively as a vacation home by the current owners, this condo has not been rented under their ownership. The excellent condition reflects the care and maintenance consistent with non-rental occupancy, along with thoughtful updates that have preserved its like-new feel. With 9-foot ceilings, 1,047 square feet of well-maintained space, and being sold fully furnished and turnkey, it's ready for immediate enjoyment. Laketown Wharf is known for its unmatched amenities. Residents and guests enjoy five pools, including one heated year-round, two hot tubs, a fitness center overlooking the Gulf, a kids' playground, pickleball, and even mini golf. The 52,000 square-foot boardwalk circles the lake with a nightly fountain and light show. Direct, gated beach access sits right next door to Pineapple Willy's. On the ground level, you'll find a lineup of restaurants, shops, and entertainment: Juan Taco, Wharf Seafood Buffet, The Candymaker Ice Cream Shop, PCB Pizza, In Cahoots for breakfast and brunch, The Press coffee shop, The Bun Lab, and more. The property also offers 810 Billiards & Bowling, a salon and nail bar, barbecue and pet areas, a poolside Splash Bar & Grill, two parking garages, and beach chair rentals. HOA dues are $2,490.58/quarter and include water, sewer, trash, cable/TV, pest control, WiFi, and full use of amenities. Nearby recently opened attractions include Dolly Parton's Pirates Voyage Dinner & Show, Topgolf, and McGuire's Irish Pub, with Tootsie's Orchid Lounge scheduled to open in 2026, reinforcing the area's continued growth. All information is deemed reliable but should be verified by the buyer if important.

Highlights

Listed by Alice de La Penha , 850-771-3150 Coldwell Banker Realty , 850-234-6696. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

2490.58 Quarterly

Year Built

2008

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Laketown Wharf

Listing ID

777371

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:1
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Washer/Dryer Stacked, Electric Oven, Electric Water Heater
Air Cond:Central Air
Fireplaces:
Other:
  • Additional:Main Level Primary, Tub Shower, Home Theater

Exterior Features

Lot:Paved
Lot Dimensions:NA
Zoning:Resid Multi-Family
Roof:Clay
Sewer:Public Sewer
Parking Features:Additional Parking
Principal Interest
$1,344
Taxes
$302
HOA
$2,491

Home Price

$265,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$53,000
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:
$1,344.03

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,344.03 $301.75 $2,490.58 $4,136.36
Yearly $16,128.36 $3,621.00 $29,886.96 $49,636.32
Total $483,850.80 $108,630.00 $896,608.80 $1,489,089.60

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 Beach, 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