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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 2010 , Panama City, FL 32408
$399,000
Est. Payment: $2,023.65/mo
3 Bed
2 Bath
1262 Sqft
Status: active | Days on site: 66
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to Laketown Wharf, one of Panama City Beach's most sought-after resort communities! This beautifully maintained, fully furnished PENTHOUSE 2-bedroom, 2-bath condo-Plus a private bunk area offers 1,262 square feet of coastal living with soaring 13ft ceilings and is completely turnkey, making it ready for immediate enjoyment or continued rental income from day one. Designed with both comfort and functionality in mind, the unit features a highly desirable bunk room in addition to two spacious bedrooms, allowing it to comfortably accommodate families and larger groups. Located on the 20th floor, this condo offers beautiful views of the Gulf of Mexico and Panama City Beach's stunning coastline. Start your mornings with coffee on the balcony while taking in the emerald waters of the Gulf, and end your evenings watching breathtaking sunsets paint the sky in shades of orange, pink, and gold. The elevated vantage point provides a picturesque backdrop that guests and owners alike will appreciate year-round. Just a short walk from the sugar-white sands and emerald waters that make Panama City Beach famous, this property delivers the ultimate beach lifestyle. Whether you're spending the day on the shore, enjoying water activities, or simply relaxing and soaking in the views, you'll love having the beach just steps away. For investors, the numbers speak for themselves, with over $50,000 annually in actual gross rental income and a proven history of strong guest demand. The spacious floor plan, Gulf views, and resort amenities combine to create a property that appeals to vacationers throughout the year. Recent Upgrades & Improvements: This condo has been thoughtfully maintained and updated, offering added value and peace of mind for its next owner. Recent improvements include a new hot water heater (2022), new HVAC system (2023), new dishwasher (2023), new refrigerator (2024), and new microwave (2024). These major updates help minimize future maintenance expenses while enhancing the property's appeal for both personal use and vacation rental guests. Laketown Wharf is known for its impressive lineup of resort-style amenities, including five swimming pools, a private freshwater lake with a scenic boardwalk, fitness center, putting green, splash pad, covered parking garage, and the community's signature nightly fountain, music, and light show. These amenities help make Laketown Wharf one of the most popular destinations in Panama City Beach for owners and vacationers alike. Conveniently located in the heart of Panama City Beach, you'll be just minutes from some of the area's best shopping, dining, entertainment, golf, and family attractions. From Pier Park and local restaurants to popular attractions and outdoor activities, everything you need for the perfect beach getaway is within easy reach. Whether you're looking for a proven investment property, a vacation retreat, or a combination of both, this fully furnished condo offers an exceptional opportunity to own in one of Panama City Beach's premier resort communities while enjoying Gulf views, spectacular sunsets, outstanding amenities, and strong rental performance. (Buyer to verify all info)

Highlights

Listed by Cherissa Cabahug , 504-289-5400 1 Percent Lists Florida Coast , 850-376-3865. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

3195.61 Quarterly

Year Built

2008

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Laketown Wharf

Listing ID

791229

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Electric Cooktop, Electric Oven, Electric Water Heater
Air Cond:Central Air
Fireplaces:
Other:
  • Additional:Main Level Primary, Soaking Tub, Separate Shower, Walk-In Closet(s)

Exterior Features

Lot Dimensions:0X0
Roof:Clay
Sewer:Public Sewer
Principal Interest
$2,024
Taxes
$365
HOA
$3,196

Home Price

$399,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$79,800
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:
$2,023.65

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,023.65 $365.48 $3,195.61 $5,584.74
Yearly $24,283.83 $4,385.75 $38,347.32 $67,016.90
Total $728,514.98 $131,572.50 $1,150,419.60 $2,010,507.08

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

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