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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 2124 , Panama City, FL 32408
$469,900
Est. Payment: $2,383.00/mo
3 Bed
2 Bath
1262 Sqft
Status: active | Days on site: 146
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Absolutely stunning Penthouse Condo offering sweeping views of the emerald waters and sugar-white sands of Panama City Beach! This beautifully updated unit features 12-foot ceilings and vestibule windows that fill the space with natural light and breathtaking Gulf views. Recent updates include new flooring, stylish light fixtures, a tiled kitchen backsplash, and a beautifully tiled master shower. Floor-to-ceiling glass doors lead to a private balcony where mornings begin with the sound of the waves and evenings end with unforgettable sunsets over the Gulf. Inside, the open living and dining space is designed to make the most of the view, creating a relaxed coastal atmosphere ideal for unwinding after a day on the beach. The kitchen provides plenty of cabinet space and a functional layout for preparing meals before heading out to explore the area's restaurants, attractions, and entertainment. The primary suite offers a peaceful retreat with direct Gulf views and private balcony access, allowing you to wake up to the sound of the surf. Additional sleeping space makes this property ideal for hosting guests or maximizing rental potential. Located within Laketown Wharf, residents and guests enjoy resort-style amenities including multiple pools, lakefront boardwalk, fitness center, and easy beach access just across the street. With dining, shopping, and entertainment within walking distance, this property places you in the center of everything Panama City Beach has to offer. Whether used as a vacation escape, income-producing rental, or personal beach retreat, this condo offers the chance to enjoy the coastal lifestyle from one of the most sought-after vantage points on the Gulf.

Highlights

Listed by Jessica L Adkins , 334-494-4620 Simply South Realty , 850-541-5382. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

3002 Quarterly

Year Built

2008

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Laketown Wharf

Listing ID

786469

Questions about this listing?

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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:Balcony, Double Vanity, Soaking Tub, Separate Shower, Walk-In Closet(s)

Exterior Features

Lot:Paved
Lot Dimensions:0x0
Zoning:Resid Single Family
Roof:Membrane
Principal Interest
$2,383
Taxes
$366
HOA
$3,002

Home Price

$469,900

Loan Details

30 yrs
6.528%

Down Payment

20%
$93,980
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:
$2,383.00

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,383.00 $365.50 $3,002.00 $5,750.50
Yearly $28,595.96 $4,386.00 $36,024.00 $69,005.96
Total $857,878.78 $131,580.00 $1,080,720.00 $2,070,178.78

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

6%

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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