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Harrison Lilly Team

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

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9860 S Thomas Dr Unit 1712 , Panama City, FL 32408
$498,000
Est. Payment: $2,751.38/mo
3 Bed
3 Bath
1681 Sqft
Status: Active | Days on site: 186
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Harrison Lilly Team
Owner/Operator

House Description

GULF VIEWS!! Welcome to Laketown Wharf, one of Panama City Beach's most amenity-rich resort communities. This spacious, fully furnished condo offers the perfect blend of comfort, style, and excellent income potential. The open-concept layout features a large kitchen with granite countertops, ample cabinetry, and generous living and dining spaces--perfect for relaxing after a beach day or entertaining guests. Floor-to-ceiling glass doors lead to a private balcony where you can enjoy beautiful Gulf views, all just steps from the sugar-white sand and emerald waters of the Gulf. The oversized primary suite offers plenty of closet space and a private en-suite bath, creating a comfortable retreat. Additional sleeping areas provide flexibility for guests and maximize rental potential. Designed to comfortably sleep 8, this unit is ideal for family vacations and strong short-term rental performance. Tile and LVP flooring, updated lighting, and tasteful coastal décor make this condo truly turn-key, whether you're looking for a second home or an income-producing investment property. Laketown Wharf is known for its incredible amenities including multiple pools, a large lake with nightly fountain and light shows, boardwalk, fitness center, putting green, on-site dining, and convenient beach access directly across the street. Located in the heart of Panama City Beach near shopping, restaurants, and entertainment, this property offers strong rental potential and an unbeatable central location. Whether you're searching for a high-performing investment property or your own beach retreat, this Laketown Wharf condo checks all the boxes. Schedule your showing today.

Highlights

Listed by The Sanchez Group , 850-890-6262 Think Real Estate , 850-270-4200. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

3988.72 Quarterly

Year Built

2008

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Laketown Wharf

Listing ID

786406

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Electric Cooktop
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Balcony, Main Level Primary, Tub Shower

Exterior Features

Lot Dimensions:0x0
Sewer:Public Sewer
Principal Interest
$2,751
Taxes
$400
HOA
$3,989

Home Price

$498,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$99,600
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:
$2,751.38

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,751.38 $399.75 $3,988.72 $7,139.85
Yearly $33,016.54 $4,797.00 $47,864.64 $85,678.18
Total $990,496.18 $143,910.00 $1,435,939.20 $2,570,345.38

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

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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: 2026-10-07T08:07:44.000Z

© 2026 Bay County Association of REALTORS